Unalipwa 500,000 TZS? Jaribu kuishi hivi!

[July 77]

Ndo unazurula kutwa nzima na ndoo ya maji?? Daah hii kali sana

mkuu nunua tu ya chupa...mtaishia kupanga kwenye mapagale yetu fainali uzeeni

 

[wolverineGG]

mkuu nunua tu ya chupa...mtaishia kupanga kwenye mapagale yetu fainali uzeeni

Sawa tajiri

 

[RRONDO]

Ndio utajua watanzania ni magician,wanalipwa hiyo pesa,wanakaa nyumba ya lk 2,ana watoto wawili wanasoma English medium,analisha nyumbani kwake,anasaidia kwao na ukweni pia,anakunywa pombe kariba kila siku na ana mchepuko!...

Wengine nasikia wanaweza wasilipwe mshahara hata miezi mitatu na hawaachi kwenda kazini na mambo yanaenda 😀😀

 

[Inside10]

Mshahara ni laki tano kwa mwezi.
Goal: To cut expenses, And save more while investing for long term!
Tuchambue bila hisia.

Monthly Income: 500,000 TZS

Kama unaishi Dar au mji wowote, kama hujajenga mfumo, pesa itaisha kabla mwezi haujaisha.

Hivi ndivyo unatakiwa kuishi kama una akili ya kujenga future.


---

1. Kodi ya chumba ≤ 50,000

Ndiyo. Chumba.
Ndiyo. Uswahilini.
Ndiyo. Shared environment
Ndio, single....

Kama unalipwa 500k halafu kodi ni 250k, tayari umefeli kabla ya kuanza.

Luxury inakuja after discipline, sio starting point!
KWAHIYO KAMA UNALIPWA LAKI TANO NA UNALIPA KODI ZAIDI YA 60K KWA MWEZI, UNAFAKE LIFE!


2. Chakula & Maji = 5,000 kwa siku
≈ 150,000 kwa mwezi

Naam! Ugali tembele, ugali dagaa, wali maharagwe, wali na broiler, matunda ya buguruni, Mayai ya kuchemsha kwa ugali!
Kwenda shopers Supermarkets hii sio hadhi yako kwa sasa!
ACHA KUFAKE LIFE!



3. Usafiri = 2,000 kwa siku
≈ 60,000 kwa mwezi
Sahau kuhusu uber, Sahau kuhusu bolt! Rudi nyumbani kumenoga...daladala, mwendokasi. Umbali chini ya 1 KM tembea, kwanza ukitembea unapata Afya!

Kama una 500k halafu unataka Bolt kila siku, unajidanganya, Yeah UNAFAKE LIFE!



4. Internet = 20,000
Punguza scrolling, hakuna kitu unafaidika kuangalia ndaro na Steve mweusi wakifanya nonsense!



5. Security & City Bills = 5,000
Hii ipo baadhi ya manispaa za Dar, maeneo mengine hakuna!

6. Umeme & Maji = 15,000
Mara nyingi kwenye nyumba za kupanga umeme na maji gharama huwa haivuki hapo.

7. Health (75,000 annually) ≈ 6,300 monthly
You got that? Acha ujuaji kata bima!


8. Mavazi & Misc = 40,000
Kariakoo jinzi elfu kumi, suruali za kitambaa elfu tano.
Wewe unataka kelvin klein jeans ya 40k, Mike Amiri 70k, Jordan 4 za bei ndefu, Ili uonekane, then???
Acha kufake life!

Total ≈ 350,000 TZS

Remaining = 150,000 TZS

NICE!!!.
You saved 30% of your income!, Karibu kuadjust iongezeke!


Allocation yenye Discipline ya kiwango cha Kimataifa au interplanetary level of discipline never achieved even by Alliens!

Emergency Fund = 35,000
Dharula hazina hodi, weka emergency fund ili uwe na peace of mind!

Investment = 50,000
Peleka kwenye stocks. Tulia.
Long-term strategy.

Savings / Capital Reserve = 50,000
Kwa ajili ya biashara ya baadae, kumbuka lazima uongeze source of income! Hivyo kusave kwa ajili ya biashara ni non-negotiable!!!

Tithes = 15,000
Kwa ndugu zangu wa fungu la kumi!
(Kwa wanaoamini katika principle ya kutoa. Hii ni personal conviction.)
Kama huamini, hii pesa mtumie mama nyumbani, au shemeji yetu!

So....

Tatizo si laki 5.
Tatizo ni ego.

Watu wanataka kuonekana wamefika kabla hawajafika.

Ukiweza kusimamia 500k kwa miaka 2–3 kwa discipline:

- Utakuwa na emergency fund imara

- Utakuwa na investment portfolio

-Utakuwa na capital ya kuanzisha kitu

Lakini kama unashindwa sasa, hata ukilipwa milioni 2 utaishi milioni 2.

Income hu-amplify tabia, hairekebishi tabia.


Swali la mjadala:

KWA UFUPI SANA, NAOMBA KUWASILISHA!

UNATAKA KUJIFUNZA ZAIDI KUHUSU PERSONAL FINANCE AND INVESTMENT, JIUNGE NA CHANNEL YETU HAPA CHINI!

Kama umenigusa Mimi.. nice naanza fanyia KAZI asante

 

[Jane Msowoya]

Tayari wewe una kipato cha kizuri, tena kama una save hiyo imekaa poa sana!!

Kipato kizuri 500k 😂😂😂

 

[Seran]

Ukiingia app ya voda hiyo bima yao haieleweki ni hospitali gani, hata hazijulikani.

Basi ni utapeli tu huo 75 unaenda nayo wapi ss

 

[Seran]

Best message ever kwenye hili jukwaa.

Watu wanachanganya vitu. Huwezi lipa fungu la kumi based on mtaji. Kiusahihi fungu la kumi ni ile % ya extra. Hata kodi kwenye biashara unalipa after miscellenious costs. Baada ya kutoa gharama za uendeshaji. Otherwise biashara itafeli.

Ila sasa wachungaji wetu wanavyotafsiri fungu la kumi..Utachoka!

Asante sana mleta mada. Mwenye kusikia na asikie na kuelewa

Naumia sana, ishia hapo mkuu🥹

 

[Seran]

Ndio utajua watanzania ni magician,wanalipwa hiyo pesa,wanakaa nyumba ya lk 2,ana watoto wawili wanasoma English medium,analisha nyumbani kwake,anasaidia kwao na ukweni pia,anakunywa pombe kariba kila siku na ana mchepuko!...

Ukimuuliza atakujibu ni Mungu tu🤗

 

[ERoni]

Kipato kizuri 500k 😂😂😂

Nyingine unatoa wapi sasa, 300k kodi, 110k transport, bado utilities nyingine na chakula. Au ndio tunasema "Ni Mungu tu"?

Wanasema mshahara wa mwezi mmoja uweze kulipa kodi ya mwaka mzima. Kama una kipato cha 500k, manake ukae chumba cha 40k.

 

[GemMaster II]

Kuna mentality mbaya sana ya kuona supermarkets ni kwa washua hata mimi nilikuwa napaogopa sana....Supermarkets vitu bei za kawaida sana na vitu vyao ni OG .....sabuni za kuogea na mafuta mgando,dawa za mswaki na kiswaki yake n.k vya mtaani miyayusho mno fake everywhere.

Hata ukitaka imported beer nakushauri kachukue supermarkets achana na liquor store.

 

[Monetary doctor]

Well, Thanks. I like your style. Unlike other naysayers wewe unakuja kwa points and questions.
Since premium insurance kama NHIF ni ghali ( from 150k annually)kwa mtu mwenye kipato cha 500k inakuwa uongo.
My last time kucheck,
Voda bima ni 70k kwa mwaka
Yas ilikuwa 2500 monthly
Hizi zinacover cost za matibabu ambazo hazivuki 2 millions. (Basic treatment)
Hili ndio goal, kama huna hatari ya magonjwa makubwa hii imekaa poa kwa gharama za matibabu madogo ya dharura ambayo pengine yatakuharibia budget.

Something to remember, Sir.
Goal sio kulipia bima goal is to cut down unnecessary expenses, kwahivyo ukiona bima ya 70k ya voda ni useless, basi ni vema uka-opt kukaa bila bima au ukatoa 150k kutoja kwenye 500k.
Karibu tena mkuu!

Sorry hii 150k unalipia kila mwezi au kwa mwaka boss nieleweshe

 

[Jane Msowoya]

Talk to me Jane, I can help!

Karibu, ehe nifanyeje? Maana niliwaza the only solution ni ku grow my sales na kujiongezea mshahara

 

[RMK Freelancers Agency]

Easier said than done.

It take time to understand what the right thing to do, It take courage to do what you understand is right.

 

[RMK Freelancers Agency]

Sorry hii 150k unalipia kila mwezi au kwa mwaka boss nieleweshe

Hii ni kwa mwaka.

 

[RMK Freelancers Agency]

Huyu mtu hata weekend moja asijitoe out ale hata beer Tano?

If that really matter to them, they can do!
There's a lot of free things that are funny to enjoy, Why bother to pay just to have funny, no I mean just to trick your mind to act like a fool?

 

[Monetary doctor]

Hii ni kwa mwaka.

Ok inaweza nisaidia ni NHIF ama kampuni gani ya bima boss ?

 

[RMK Freelancers Agency]

Kwa maandiko yapi hayo mkuu??

Haya ni kwa majibu wa uchambuzi wa biblia kutoka watu wa restoration ministries & LDS.

 

[RMK Freelancers Agency]

Ok inaweza nisaidia ni NHIF ama kampuni gani ya bima boss ?

Naam, HIF inaweza kukusaidia as itacover gharama zote za matibabu kwa mwaka mzima.
Hivyo ukijichanga changa utakuwa na uhakika wa kupata huduma za afya kwa mwaka mzima bila kuwa na wasi wasi wa gharama.
Angalizo.
Mimi si mtaalam wa maswala ya bima.
Kama ya kulipia bima ni vyema ukawasiliana na NHIF, ili kufaham utaratibu wao.
NHIF Customer Care: +255 26 2963887 / +255 26 2963888

 

[Monetary doctor]

Naam, HIF inaweza kukusaidia as itacover gharama zote za matibabu kwa mwaka mzima.
Hivyo ukijichanga changa utakuwa na uhakika wa kupata huduma za afya kwa mwaka mzima bila kuwa na wasi wasi wa gharama.
Angalizo.
Mimi si mtaalam wa maswala ya bima.
Kama ya kulipia bima ni vyema ukawasiliana na NHIF, ili kufaham utaratibu wao.
NHIF Customer Care: +255 26 2963887 / +255 26 2963888

Ok shukrani kwa taarifa

 

[RMK Freelancers Agency]

Best message ever kwenye hili jukwaa.

Watu wanachanganya vitu. Huwezi lipa fungu la kumi based on mtaji. Kiusahihi fungu la kumi ni ile % ya extra. Hata kodi kwenye biashara unalipa after miscellenious costs. Baada ya kutoa gharama za uendeshaji. Otherwise biashara itafeli.

Ila sasa wachungaji wetu wanavyotafsiri fungu la kumi..Utachoka!

Asante sana mleta mada. Mwenye kusikia na asikie na kuelewa

Thanks for appreciating!!!