Unalipwa 500,000 TZS? Jaribu kuishi hivi!

Unalipwa 500,000 TZS? Jaribu kuishi hivi!

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...
Tatizo hiyo 150k mpaka uje utoboe maisha ni lini? Au utafanya kazi mpaka unakufa? Utajenga lin? Bado kuna matumizi yasiyo ya lazima umetaja hivi huwezi ukala laki kwa mwezi? Mchele kilo 10 unga kilo 10 ,, dagaa kilo moja mboga za majan za 15000 ,, pia bima usikate🤣 internet piga chini, nguo sio kila mwezi ,, yani mpaka matumizi yako yasizidi nusu ya pesa unayopata
 
Stroke said:
Nakumbuka Mshahara wangu wa kwanza as baada ya kuwa certified professional ni hiyo laki tano.

But, maajabu ni kuwa nilijipinda mno kulinganisha na kiwango baada ya kuwa mkongwe.

Nimekuja gundua, ukilipwa mshahara kidogo ndio unafanya mambo makubwa kuliko mshahara mkubwa.
Click to expand...
Ukitaka kuamini zaidi ya asilimia 90 ya Watanzania kipato chao hakizidi laki 5 kwa mwezi na wapo wanaopata chini ya hiyo na still wanaishi
 
King Kong III said:
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.
Click to expand...
Wabongo bhana 😂
 
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!...
 
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!
Click to expand...
Toa ushauri juu ya matumizi ya boom vyuoni
615000 kwa miezi 2
 
King Kong III said:
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.
Click to expand...
Kwa Bongo hii ukiongeza mishahara chap na gharama za maisha zinapanda immediately
 
Jane Msowoya said:
Najilipa 500k, nyumba 300k, dada 70k, school bus 110k (twins), umeme 50k, dawasa 15k
Hapo bado chakula

Doh
Click to expand...
Tayari wewe una kipato cha kizuri, tena kama una save hiyo imekaa poa sana!!
 
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