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Hivi laki 2 na nusu itanitoa kimaisha nikisave kwa mwezi?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by AHAKU, Dec 8, 2010.

  1. A

    AHAKU Member

    #1
    Dec 8, 2010
    Joined: Jan 28, 2010
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    Salam wanajamii wenzangu. Naamini humu hakuna wachoyo wa msaada wa mawazo. Ni kwa matarajio haya naomba kuuliza mimi nafanya kazi sekta binafsi kama mwajiriwa mwisho wa mwezi naweza ku save laki mbili na nusu
    Ninauliza hivi kwa kiasi hiki ninawezaje kukitumia ili angalau miaka michache ijayo niweze kuwa na kabanda kangu na kisha angalau kamkoko kamoja kupunguza adha ya usafiri hapa mjini
    Nawashukuru sana
     
  2. C

    ChiefmTz JF-Expert Member

    #2
    Dec 8, 2010
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    Hizo Laki 2 na nusu ndizo take home au ndo ballance baada ya kutoa mahitaji muhimu ya mwezi.
     
  3. MLATIE

    MLATIE Senior Member

    #3
    Dec 8, 2010
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    kaka mipango tu unapunguza starehe unasave kwenda mbele watu wanapokea 150,000 na wanasomesha watoto sekondari.punguza anasa mzigo unatosha huo
     
  4. A

    AHAKU Member

    #4
    Dec 8, 2010
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    hicho kiasi mkubwa ni baada ya kutoa gharama zingine kama kuendesha familia, usafiri na mengineyo. Yaani huwa nabakiwa na mshiko huo baada ya kugaharamia vitu vyote muhimu vya mwezi
     
  5. hashycool

    hashycool JF-Expert Member

    #5
    Dec 8, 2010
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    A bank is a place that will lend you money if you can prove that you don't need it.....akili kumkichwa
     
  6. The Son of Man

    The Son of Man JF-Expert Member

    #6
    Dec 8, 2010
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    Kama ndo take home baada ya matumizi yote basi we dume endelea tu kuweka!
     
  7. chobu

    chobu JF-Expert Member

    #7
    Dec 8, 2010
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    hizo nyingi mwanangu!!!!!!!gangamala!!!!!!!!
     
  8. birungi

    birungi JF-Expert Member

    #8
    Dec 8, 2010
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    hizo nyingi,kama una uwezo chukua mkopo mzuri ujenge nyumba hata uitumie kwa biashara.nadhani kila mwisho wa mwezi watakua wanakukata kama hiyohiyo laki 2 na nusu ambayo ni ziada kwako.baada ya mda ile nyumba itakua inakulipa kidogokidogo.au unaweza ukajenga ukaishi mwenyewe utakua umeokoa ile kodi yako.
     
  9. Mpita Njia

    Mpita Njia JF-Expert Member

    #9
    Dec 8, 2010
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    Ingawa inatarajia na kiwango chako cha mshahara, lakini kwa standard za wengi humu, ikiwamo na mimi mwenyewe, Mkuu unapata mshahara mkubwa sana. Sijaona ni jinsi gani naweza kubakiwa na laki mbili unusu mwisho wa mwezi nikitoa gharama zote... sana sana nahitaji kiasi kama hicho zaidi ili kukamilisha mahitaji. Endelea kuserve mkuu, utatoka baada ya muda mfupi tu, si tu kwa kujenga nyumba, bali pia kuanzisha biashara yako mwenyewe.
     
  10. e

    ejogo JF-Expert Member

    #10
    Dec 8, 2010
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    Kwanini usiende banki kuchukua mkopo ambao makato yake yasizidi laki mbili kwa mwezi ambayo ndio saving yako ya mwezi! Ukisema udundulize hiyo itakuchukua ages kutimiza ndoto zako. Au unaweza kufikiria biashara fulani ambayo itakuwezesha kuizalisha hiyo pesa na hatimaye kutimiza ndoto zako.
     
  11. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #11
    Dec 8, 2010
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    huna extended family inakutegemea ukuachilia mbali familia?
     
  12. FirstLady1

    FirstLady1 JF-Expert Member

    #12
    Dec 8, 2010
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    Inawezekana good luck
     
  13. Ndachuwa

    Ndachuwa JF-Expert Member

    #13
    Dec 8, 2010
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    Oa kwanza ili upate wa kushauriana naye kimawazo na kupunguza kula hotelini ili hiyo akiba iongezeke
     
  14. Next Level

    Next Level JF-Expert Member

    #14
    Dec 8, 2010
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    MN,

    Nipo nakubaliana na hoja yako mkuu....napata mshahara mkubwa sana kwa viwango vya bongo....lakini, hata mwezi mmoja sijaweza fanikiwa kuwa na surplus....ingawa hata baada ya kulamba mkopo bank nimekuwa hivyo hivyo, huwa na break even tu au kuwa na deficit.....!

    So nafikiri huyu jamaa mambo yake mazuri....250k is a lot of savings.........! anaweza lamba hata mkopo wa 10m au hata 20 or 30 m kulingana na basic salary yake akafanya mambo makubwa sana......! Hata akisave hiyo 250k....kwa mwaka atakuwa na 3m, akifanya miaka mitano atakuwa na 15m.....a very good money kuanzisha business ndogo aiseee!
     
  15. Brooklyn

    Brooklyn JF-Expert Member

    #15
    Dec 8, 2010
    Joined: Mar 17, 2009
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    Mkuu next level hauko serious juu ya kuweka akiba; unaonekana wewe ni mtu ambaye unatumia kadili unavyopata, which to me is not good kama kweli una malengo ya kufanya kitu fulani baadae!

    Nina rafiki yangu mmoja anaishi DSM, wakati akipokea mshahara wa laki sita take home alikuwa anasema mshahara anaolipwa unamtosha tu kuishi basi. Alipoongzewa mshahara mpaka kufikia take home ya milioni moja na laki mbili akabadili life style kwa kuhama Tandika alikokuwa anaishi na kuhamia Sinza, pia akanunua na gari GX100. Mwaka huu mwanzoni kapata kazi nyingine kampuni moja ya nje analipwa take home ya 3.5 milioni. Tayari hivi majuzi kahama Sinza na kuhamia Mikocheni, kachukua mkopo wa gari nyingine aina ya Toyota Harrier huku akimwachia mke wake atumie ile GX100.

    Next level nimetoa mfano huo mrefu kidogo kutaka kukueleza namna ambavyo waafrika walio wengi wanavyoshindwa ku manage pesa zao vipato vinapoongezeka. Wengi wakipata kipato zaidi wanabadilisha bar wanazokunywa pombe, mademu wa matawi ya juu, na magari. Hii yote ni ulimbukeni kama ongezeko la kipato hali justify kihivyo ongezeko la matumizi ya anasa!!

    Mi nashauri jamaa aende kwa banker wake kwa ajiri ya kusolicit mkopo ili ajengee nyumba kwa sababu kuweka tu akiba kidogo kidogo kuna hatari ya kuja kuitumia kwenye dharula kama vile misiba, kuuguza mgonjwa n.k.
     
  16. hashycool

    hashycool JF-Expert Member

    #16
    Dec 8, 2010
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    narudia tena..A bank is a place that will lend you money if you can prove that you don't need it.....akili kumkichwa....laki mbili pesa ya kaunta!
     
  17. PayGod

    PayGod JF-Expert Member

    #17
    Dec 8, 2010
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    chukua mkopo bank, ila kabla ya kuchukua panga mipango ya kuifanyia hiyo ela , ndo ukachukue huo mkopo
     
  18. N

    Neytemu Member

    #18
    Dec 8, 2010
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    yap!maelezo za brooklyn yana muongozo mzuri ila kweli kudunduliza itamchukua mda mrefu sana kufanikicha ndoto yako.kama kuna uwezekano upate salary loan itakusogeza. HONGERA kwa Kuweza kufanya savings kwa kiasi hicho
     
  19. Kweli

    Kweli JF-Expert Member

    #19
    Dec 8, 2010
    Joined: Jul 14, 2007
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    Kwanza nakupa hongera kwa kujenga utamaduni wa kujisevia, ili ufanikiwe kusevu vitu 3 muhimu lazima uwe navyo: NIA, Utekelezaji na Kuamini. Kisha:
    1. Uwe na malengo (goals) - andika "blueprint" in details yale yote unayokusudia kufanikisha katika muda ulioupanga. Ila uwe realistic mfano baada ya miaka 5 uweze kumiliki nyumba ya millioni 15 mpaka 20 na sio ndoto ya hekalu la billioni 3.
    2. Andaa strategies na routine na ukomae nayo, usitetereke: Lengo katika hili ni kubana matumizi na kuifanya saving yako iongezeke zaidi, unapoanza kujisevia jambo la kwanza muhimu sana kujifunza ni ujanja wa kujua nini tofauti baina ya "thamani"(Assets) na "hasara" ( liabilities) thamani = kitu ambacho kina uhakika wa kuongeza kipato na hasara = kile ambacho kinahitaji fedha kujiendesha na hakileti tija, mfano mtu kakuuzia dhahabu bei bwerere hio ni thamani, gari ya millioni 7 inauzwa kwa millioni 3 hio ni thamani, ila unatakiwa uwe mjanja na makini sana katika hili. vitu kama TV, Hi-Fi system, Fenicha, gari ni hasara kwa sababu gari linahitaji mafuta, Tv, fenicha hata ukitaka kuuza ni taabu na mara nyingi hautopata faida, ni bahati hata ku break-even.
    3. Live frugaly - Matajiri wa kujitengeneza wengi wamefika huko kwa sababu waliishi kwa kujibana - sisemi kama unataka utajiri ila the same rules apply for Savers, Kama ulikuwa unakula chips kuku kila usiku, jitahidi iwe alau usiku mmoja na badala yake uanze kujipikia, andaa bajeti yako ya kula kila wiki na uangalie wapi unaweza kubana zaidi, mfano kama unanunua viungo gengeni, jaribu kwenda pale sokoni usiku mmoja k/koo na ujinunulie kwa jumla. Kama mtu wa ulabu punguza mahudhurio Pub, jinunulie jumla bia zako kwa wiki na utulie nyumbani usiku.
    Ukizingatia haya ambayo ni basics bila shaka utafanikisha malengo, wengi tulianza hivi hivi mpaka kufikia kumiliki vibanda nk.
     
  20. N

    Neytemu Member

    #20
    Dec 9, 2010
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    kama haujaoa ukioa inaweza kupunguza savings na hata kusababisha deficit kubwa!we kopa ufanye kitakachowezekana kwa wakati huu.Vinginevyo uchambuzi yakinifu unahitajika kumpata huyo wa kukushauri positively na aje akiwa anaelewa maana ya kufanya savings
     
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