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How to manage My monthly salary?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Ally Msangi, Apr 15, 2011.

  1. Ally Msangi

    Ally Msangi Verified User

    #1
    Apr 15, 2011
    Joined: Jun 29, 2010
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    How to manage My monthly
    salary? For example,
    If my salary is Tsh 250,000/= How should
    I save? am asking for help cos i thnk am spending alot that i earn.
     
  2. everybody

    everybody JF-Expert Member

    #2
    Apr 16, 2011
    Joined: Oct 30, 2010
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    Tuambie unatumia kwenye mambo gani ndo tuweze kukusaidia maana kama unawahonga mademu itakuwa ngumu kukupa ushauri maana hiyo ni starehe yako unless unaamua kuacha
     
  3. Ally Msangi

    Ally Msangi Verified User

    #3
    Apr 16, 2011
    Joined: Jun 29, 2010
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    naposema kuhusu expenses i mean unrealized ones, bt matumizi mengi naeza sema ni 4 luxuries cos i cant even detect were did i use t after spending it.
     
  4. J

    JAY2da4 JF-Expert Member

    #4
    Apr 16, 2011
    Joined: Nov 11, 2008
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    1. punguza matumizi ya simu ,kama kwa mwezi unatumia tsh 40,000 kwa simu,punguza kwa 60%.

    2.kama unaendesha gari punguza matumizi ya kuitumia mara kwa mara,si unajua kiwese kipo juu.

    3.Kama ni mtu wa lager,hizo nazo punguza kwa 80% .

    4.Kama ni mtu wa mademu,punguza baki na demu mmoja.

    NB.Sio lazima upunguze matumizi ili uweze ku manage your monthly salary,unaweza kuongeza kipato kwa kufanya side business.
     
  5. E

    Epifania Senior Member

    #5
    Apr 16, 2011
    Joined: Oct 18, 2010
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    Nadhani hauna tabia ya kujitengenezea plan ya mwezi. Unapaswa kabla hujapokea huo mshahara bila kujali ni kiasi gani ujaribu kukaa chini, kama umeoa/olewa upange na mwenzio, ni gharama gani ambazo ni za lazima, mzitambue na mziandike mf. Bili za maji, umeme, rent kama mnapanga nyumba, bili za maziwa kama una watoto n.k
    Ukisha fanya hivyo unaangalia kiasi kilichobaki na unaanza kuweka priorities, mf. Chakula (Ni lazima mle vile mlivyozoea au mnaweza kupata balanced diet kutoka kwenye cheaper sources?, fuel n.k. Kama una watoto wanaoenda shule, unapaswa kutenga japo kiasi kidogo sana uweke kenye bank acount zoa (Kama huna wafungulie), hii itasaidia sana ifikapo mwanzo wa term kutotumia fedha ya mshahara kulipia gharama za shule.
    Hapo sasa unapaswa kutenga kiasi cha fedha za tahadhari ambazo zinapaswa zisitoke nyumbani (weka sehemu ambayo hugusi), then unaweza kujipongeza.
    NB. Kila mwezi jaribu kupanga mambo ambayo utapenda kufanya mwezi unaofuata, hiyo itakufanya uweze kufikiri zaidi (Mimi binafsi kwa mfano, mwishoni mwa mwaka hukaa na mwenzangu na tunapanga mambo yote ambayo tunatamani kufanya ndani ya mwaka unaofuata, bila kujali vyanzo vya mapato, na tunapanga muda ambao tungependa tuwe tumefanikisha, kwa kweli inasaidia sana, na tumejikuta tunaepuka sana matumizi yasiyo ya lazima).
    Nakutakia kila la heri. Hakuna kiasi cha fedha kinachotosha, tunahitaji mipango tu.
     
  6. Ally Msangi

    Ally Msangi Verified User

    #6
    Apr 16, 2011
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    Asanteni sana kwa ushauri, at least now i know wat to do,
     
  7. M

    Masuke JF-Expert Member

    #7
    Apr 18, 2011
    Joined: Feb 28, 2008
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    Natumia simu mzee ningegonga kitufe cha 'thanks', pokea thanks manually mzee.
     
  8. pmwasyoke

    pmwasyoke JF-Expert Member

    #8
    Apr 18, 2011
    Joined: May 27, 2010
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    Kwa kweli kujaribu kupanga mshahara wa sh 250,000 kwa mwezi kwa mafanikio inahitaji ujuzi wa hali ya juu. Kwa hakika starehe zote ni OUT.

    Mkuu, unahitaji sana kutafuta njia nyingine za kuongeza kipato hicho.
     
  9. only83

    only83 JF-Expert Member

    #9
    Apr 18, 2011
    Joined: Oct 15, 2010
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    Mimi namshauri kuwa aachane na hao unaowaita mademu...kama ujaoa fanya fasta...Mimi sijaoa but I came to realize kuwa watu wenye wake wenye akili wanakuwa na bajeti nzuri sana hata kama mshahara ni mdogo...unajua haya mambo ya kula kwa hoteli au mama ntile ni cost kubwa sana....
     
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