Vincenzo Jr
Platinum Member
- Sep 23, 2020
- 33,225
- 83,181
Hizo asithubutu hazifai hata kidogo
Hizo asithubutu hazifai hata kidogoVoda bima...Yas pia wanayo.
😄 🤣 😂Hizo asithubutu hazifai hata kidogo
Hatimaye maboss mmefikaLaki tano hela ndogo mno yaani kwa sasa kumpatia mtu laki 5 ni kama kumfanyia ukatili sana
Swali zuri, Akikujibu nitagKwamba usipoweka akila hufi?
Tuliwasubiri kwa hamu sana!Hatimaye maboss mmefika
Pole sana kwao, 40s na 50s unapanga wanawake tena? Job security inawapa kibr mkuu.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.
Doh, umri huo kufanya huo ujinga ujanani walikuwa wapi??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.
Hapo maana yake ni kwamba usikae mbali na unapofanyia kazi.Eti usafiri buku mbili kwa siku.. Bange mbaya sana, hujui mtu anako ishi na bado unampanfia nauli kizembe hivo
Utakoma sasa, unaongelea mambo ya kusave 500k yako, bosi anakuona kituko.. í ½í¸í ½í¸í ½í¸í ½í¸í ½í¸Tuliwasubiri kwa hamu sana!
Bunju ndo wapi mkuu??Hapo maana yake ni kwamba usikae mbali na unapofanyia kazi.
Sio kibaruani kwako bunju halafu wewe unavimba kigamboni ☺️
🤣🤣🤣Pole sana kwao, 40s na 50s unapanga wanawake tena? Job security inawapa kibr mkuu.
Practicality yake ikoje? Inakutibu kwenye hospitali za serikali ambazo tunategemea ndio mtu wa hiyo income bracket ataenda? Usage limits? Inalaza? Inafanya upasuaji? Hospitals Coverage?Voda bima...Yas pia wanayo.
Well, Thanks. I like your style. Unlike other naysayers wewe unakuja kwa points and questions.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?
Fungi la 10 unaenda kumpa Mwamposa ,Lusekele Mzee wa Nyagi?Fungu la 10 ni elfu 50 baba😊
Tupo mkuuHatimaye maboss mmefika
Laki 5 kwa Mwezi labda kwa Single ambaye hana Demu ndiyo anaweza kusurvive tena kwa shida.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.
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
1. Kanuni ya 50/30/20Ndio boss, ila 10% au 20% bado si sawa. Ni vyema ukasave >30% of income!
Nimegundua ni tabia za wengi wa waliochelewa kuoa miaka yote walikuwa wanasema wanajipanga. Ila baadae sana unakuta walichojipanga nacho hakipo bali lifestyle ngumu kuacha.Pole sana kwao, 40s na 50s unapanga wanawake tena? Job security inawapa kibr mkuu.
Cashier pmMm nalipwa 200,000