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.
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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.
Unahitaji msaada kwenye maswala ya kifedha na uwekezaji?
Wasiliana na mimi PM au tuma Message WATSAPP; +255 737 450 640
Swali la mjadala:
KWA UFUPI SANA, NAOMBA KUWASILISHA!