Unalipwa 500,000 TZS? Jaribu kuishi hivi!

Unalipwa 500,000 TZS? Jaribu kuishi hivi!

T14 Armata said:
Kuna mtu ananizidi mshahara mara nne, kabla ya marupurupu ila sina mwaka kazini lakini ameishanikopa mara tano. Ila yeye na wenzake wakimaliza kazi wanapita viwanja wanajua mademu kila kona. Ukifanya uchukue funguo zao, saa mbili usiku ndio wanagundua kumbe hawajabeba funguo wakati kazini wametoka saa kumi. Wakienda semina sijui safari, wanapanga mademu kabla. They are in 40s, 50s.
Click to expand...
Pole sana kwao, 40s na 50s unapanga wanawake tena? Job security inawapa kibr mkuu.
 
T14 Armata said:
Kuna mtu ananizidi mshahara mara nne, kabla ya marupurupu ila sina mwaka kazini lakini ameishanikopa mara tano. Ila yeye na wenzake wakimaliza kazi wanapita viwanja wanajua mademu kila kona. Ukifanya uchukue funguo zao, saa mbili usiku ndio wanagundua kumbe hawajabeba funguo wakati kazini wametoka saa kumi. Wakienda semina sijui safari, wanapanga mademu kabla. They are in 40s, 50s.
Click to expand...
Doh, umri huo kufanya huo ujinga ujanani walikuwa wapi??
 
RMK Freelancers Agency said:
Voda bima...Yas pia wanayo.
Click to expand...
Practicality yake ikoje? Inakutibu kwenye hospitali za serikali ambazo tunategemea ndio mtu wa hiyo income bracket ataenda? Usage limits? Inalaza? Inafanya upasuaji? Hospitals Coverage?

Unatibiwa bure au unajitibia kwa cash kisha una claim?

Kama inakupa NHIF/JUBILEE et.al like service & coverage at 75k a month basi hii ni bonge la code kwa watu wasio na ajira rasmi kuichukua.

But if there is a catch...... Unakuwa umeupiga mwingi ukatoka offside.

Niaibishe. Prove me wrong. 75k ya Vodabima inakutibu wapi na kwa utaratibu gani?
 
ISO M.CodD said:
Practicality yake ikoje? Inakutibu kwenye hospitali za serikali ambazo tunategemea ndio mtu wa hiyo income bracket ataenda? Usage limits? Inalaza? Inafanya upasuaji? Hospitals Coverage?

Unatibiwa bure au unajitibia kwa cash kisha una claim?

Kama inakupa NHIF/JUBILEE et.al like service & coverage at 75k a month basi hii ni bonge la code kwa watu wasio na ajira rasmi kuichukua.

But if there is a catch...... Unakuwa umeupiga mwingi ukatoka offside.

Niaibishe. Prove me wrong. 75k ya Vodabima inakutibu wapi na kwa utaratibu gani?
Click to expand...
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!
 
RMK Freelancers Agency said:
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!
Follow the Tanzania Wall Street channel on WhatsApp: Tanzania Wall Street
Click to expand...
Laki 5 kwa Mwezi labda kwa Single ambaye hana Demu ndiyo anaweza kusurvive tena kwa shida.

Hivi kuna mwajiri anamlipa mtu laki 5 kwa mwezi kweli tena aliyesoma?


Ningekuwa na Madaraka ningeweka standard ukiajiri mtu minimum net salary kwa non professional ni 1m na kwa professional ni 3m.
 
RMK Freelancers Agency said:
Ndio boss, ila 10% au 20% bado si sawa. Ni vyema ukasave >30% of income!
Click to expand...
1. Kanuni ya 50/30/20
●50% – Mahitaji muhimu (kodi, chakula, usafiri, bili n.k.)

●30% – Matumizi ya ziada (burudani, kula nje, safari n.k.)

●20% – Akiba na uwekezaji

Hapa inamaanisha angalau 20% ya mshahara wako uwe unaweka kwenye saving au uwekezaji.


2. Kama kipato ni kidogo
Kama mshahara ni mdogo na gharama ni nyingi, unaweza kuanza hata na 10% – 15% ya mshahara wako.

Muhimu ni kuanza tu, hata kama ni kidogo.
 
ERoni said:
Pole sana kwao, 40s na 50s unapanga wanawake tena? Job security inawapa kibr mkuu.
Click to expand...
Nimegundua ni tabia za wengi wa waliochelewa kuoa miaka yote walikuwa wanasema wanajipanga. Ila baadae sana unakuta walichojipanga nacho hakipo bali lifestyle ngumu kuacha.
 
You must log in or register to reply here.

Our Community

Coming Soon

Regional Communities

Coming Soon
Back
Top Bottom
Menu
Forums
New posts
Log in
Register