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Leo ni May 31,Sijafanya lolote la Maendeleo licha ya Mshahara mnono ninaopata !

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Rutunga M, May 31, 2011.

  1. Rutunga M

    Rutunga M JF-Expert Member

    #1
    May 31, 2011
    Joined: Mar 16, 2009
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    Kwa kweli sijielewi kabisa ,tangu kuanza mwaka huu 2011 leo ni miezi 5 net.Sijanunua chochote cha maana wala kufanya lolote la maana mbali na kunywa,kula,kuvaa licha ya kupata mshahara ambao nikilinganisha na wenzangu naona wangu ni mnono.

    Nimerogwa?,ni ujinga? nimekuwaje mimi ?

    Kwa kweli leo nimewaza sana.

    Msaada unahitajika hapa
     
  2. M

    MSAFIRI KABULWA Member

    #2
    May 31, 2011
    Joined: Apr 15, 2011
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    nadhani mkuu jambo la msingi ni kujipanga kwa kuhakikisha mipango yako ya mwaka huu uliyopanga inaendana na hicho kipato chako maana waweza sema hujanunua chochote cha maana lakini umesema unakula, kunywa ingawa hukusema hayo makulaji ni gharama kiasi gani. ni ukweli ulio wazi maisha ni magumu hasa kwa miji mikubwa hapa kwetu tz, jipe moyo kwa hii miezi iliyosalia kabla kumaliza huu mwaka wa magamba utaweza hicho kitu cha maana
     
  3. m

    mwabaluhi JF-Expert Member

    #3
    May 31, 2011
    Joined: Oct 16, 2010
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    Ponda raha kifo chaja ila kumbuka tu maisha fainali ni uzeeni. Hata ivyo nakushauri haya:

    1. Chunguza kampani yako,je ni watu wa aina gani. Je wanapenda sana kujirusha kila wikiendi? Tena labda katika sehemu ambazo ni ghali?

    2. Jiulize umeoa/olewa ama kama hujaoa/olewa una boyfriend/girlfriend wa aina gani? Je anapenda sana starehe na kujirusha?

    Kwa mtazamo wangu mambo hayo mawili ukiyadadavua kwa undani yaweza kukupa mwanzo wa suluhisho kwa tatizo lako. Otherwise kila lakheri mkuu ila fainali ni uzeeni tu
     
  4. samito

    samito JF-Expert Member

    #4
    May 31, 2011
    Joined: May 16, 2011
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    Kwanza nikupe hongera kwa kujihoji katikati ya mwaka...

    Its not too late kama hujafanya chochote mpaka sasa, badilisha mfumo wa maisha unayoishi kwanza, alafu la pili weka malengo yako ikiwezekana yaandike kwenye diary na kisha uyape kipaumbele...

    Unaweza ukijikana nafsi ndugu yangu, lakini kubwa kuliko yote hapa ni kumtegemea Mungu! toa zaka na fungu la 10 ili ubarikiwe mjini na mashambani, vinginecyo utaendelea kujiuliza kila siku hizi ela unazopata zinaenda waaaaap!
     
  5. C

    Caroline Danzi JF-Expert Member

    #5
    May 31, 2011
    Joined: Dec 19, 2008
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    Pole sana, ukiniambia hujafanya lolote unamanisha kwamba hela yako inakaa kwenye akaunti unahitaji msaada wa jinsi gani uitumie. Wewe una interest kwenye mambo gani? Ki ukweli DSM siyo mji wa kutegemea mishara tu. Ebu jaribu kuangalia ni kitu gani unaweza kukifanya kwa usimamizi wako kikaenda vizuri.

    Othewise anza maombi ya haraka ili Mungu akunusuru na huo uvamizi wa umaskini uliokuingia.
     
  6. rosemarie

    rosemarie JF-Expert Member

    #6
    May 31, 2011
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    una uhakika unatumia brain vizuri,usipokubali kubadili au kuongeza speed ya kufikiria december hiyo hapo
     
  7. Rutunga M

    Rutunga M JF-Expert Member

    #7
    May 31, 2011
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    Nashukuru kwa maoni yenu nitayafanyia kazi.

    Dunia,dunia,dunia

    Asanteni
     
  8. funzadume

    funzadume JF-Expert Member

    #8
    May 31, 2011
    Joined: Jan 28, 2010
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    Target 10% of your income to help the less fortunate.
    Target 30% of your income to pay your living expenses.
    Target 30% of your income for fun and adventure.
    Target 30% of your income for saving and investing.

    ukifanya hivi utaendelea ila cha muhimu kwenye saving and investing inatakiwa uwe umeshapanga uantaka kufanya nn na chukulia hicho ulichopanga ni deni lazima ukikamilishe
     
  9. duda

    duda Senior Member

    #9
    May 31, 2011
    Joined: Mar 23, 2011
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    Jamani hapa duniani kila ki2 ni mzunguko, kuna wa2 tuna kamshahara kadogo lkn tunajitahidi kujiwekea malengo japo hakatoshelezi. Nakushauri jiwekee malengo, tafuta hata diary uwe unaandika ni nini unataka kiufanya na ni kwa wakati upi!! na ni lazima uhakikishe malengo yako yanatimia ontime au hata ikizidi kidogo bt lazima ukamilishe mipango na malengo yako.
     
  10. Dio

    Dio JF-Expert Member

    #10
    May 31, 2011
    Joined: Feb 8, 2011
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    tatizo ni kwamba haujajua kumanage hela zako kwa msaada zaidi tembelea
    GSHAYO
     
  11. T

    Tall JF-Expert Member

    #11
    May 31, 2011
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    Tatizo siyo unono wa mshahara,au kwa nini hujafanya lolote tatizo ni inflation
     
  12. Masanilo

    Masanilo JF-Expert Member

    #12
    May 31, 2011
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    Ujinga unaokusumbua hakuna cha zaidi! Umasikini unakuijia kwa kasi kubwa.
     
  13. King'asti

    King'asti JF-Expert Member

    #13
    May 31, 2011
    Joined: Nov 26, 2009
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    una mwenza? jitahidi kushauriana nae, wanawake (sio wote) wana uwezo wa kusimamia matumizi ya fedha kwa maana ya kufuatilia projects na kubana matumizi. anzisha project kama kununua kiwanja, anza kujenga. utaskia sifa kuenda site kila siku kabla ya kwenda kujisifia bar..afadhali umejigundua ujinga wako,kazi kwako sasa!
     
  14. FirstLady1

    FirstLady1 JF-Expert Member

    #14
    May 31, 2011
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    hata vijipesa vya sasa naona thamani imeshuka sana maisha yanazidi kupanda kwa kasi ,lakini inabidi ujipange upya Rutunga M siku zinaenda hazirudi nyuma
     
  15. Kweli

    Kweli JF-Expert Member

    #15
    May 31, 2011
    Joined: Jul 14, 2007
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    Pole Rutunga hujalogwa na wala sio mjinga ila unahitaji elimu ya udhibiti fedha (money management)
    Siri iliyowazi ni MATUMIZI YASIZIDI MAPATO (your monthly/weekly spending shouldn't exceed your earnings) ni rahisi kwa kutamka lakini inakuwa ngumu kutenda na hilo ndio tatizo letu wengi, nakushauri uanze kujifunza tabia ya kuandika kila senti unayotumia kwenye kila mwezi na pia uandike umeitumia kwa kitu gani? Kisha mwisho wa mwezi angalia jee ni vitu gani umetumia hela ambapo havikuwa na ulazima? Mwezi unaofuata jizuie usitumie kabisa hela kwenye vitu visivo na ulazima, sisi Wabongo wengi wetu tunafeli kutokana na kwamba tuna utamaduni wa kuweka hela mfukoni na kuitumia bila daftari, mfano akitokea mshkaji anakupiga mzinga utampa buku 10, utaondoka kwenda baa unawakuta washkaji unawanunulia bia buku 30 mwisho wa siku unakuta juma moja umekata laki 4 lakini pato lako la wiki pengine ni laki 3 tu ?
    Tafuta kitabu hiki The Money Secret - By Rob Parsons kitakufunua macho sana vile jinsi utaweza ku-manage kipato chako na bila shaka kitakusaidia kugundua wapi ulikuwa unakosea.

    The Money Secret: Amazon.co.uk: Rob Parsons: Books
     
  16. kipipili

    kipipili JF-Expert Member

    #16
    Jun 1, 2011
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    Rutunga msikilize huyu, una maana hujafanya kitu lakini pesa iko kwa akaunti?
     
  17. kanyagio

    kanyagio JF-Expert Member

    #17
    Jun 1, 2011
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    watanzania walio wengi wapo kundi hili!!. anza taratibu biashara ya aina yoyote utafanikiwa. kumbuka usimamizi usimamizi usimamizi aka close monitoring
     
  18. Shapu

    Shapu JF-Expert Member

    #18
    Jun 2, 2011
    Joined: Jan 17, 2008
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    Bosi, you only need DISCIPLINE ya mambo yako....kama uliweka malengo ya kununua kabati (for eg) hakikisha nidhamu inazingatiwa unanunua kabati. Maanisha....hili linawakumba wengi sana. watu hawamaanishi katika plan zao. Halafu hakuna hela ndogo...hata kama ni sh 50 ni hela kubwa usiitumie ovyo ukisema ni 50 tu kama wengi wanavyofanya. nina marafiki zangu wengi wana maduka ya chumvi na nyanya....i mean tag shops...unajua kilo moja ya sukari ni sh ngapi ni kama sh30-40 hivi so mpaka auze mfuko kilo 50 ndo anafunga buku na nusu ama buku mbili...hao jamaa wakikupeleka kwao hutaamini kama ndo biashara wanazofanya. So nidhamu ya hela na mipango ni muhimu.
     
  19. G

    Gamba Jipya JF-Expert Member

    #19
    Jun 2, 2011
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    Mkuu ukuijbu maswali yafuatayo nitakuwa na uwezo mkubwa wa kukusaidia

    1. Mshahara wako ni kiasi gani kwa mwezi (take home)
    2. Familia yako inaukubwa gani, kama uko kwenye mahusiano mwenza wako anamsharaha au kipato cha kiasi gani kwa mwezi
    3. Gari unayotembela ni yako au ya kampuni, mafuta na service unagharamia wewe au kampuni
    4. Je ni mnywaji wa pombe, pombe gani na mara ngapi kwa week na maeneo gani
    5. ni mara ngapi unamtoa mwenza wako out for drinking and dinners
    6. Nyumba unayoishi ni yako au ya kupanga

    Tuanzie hapa kwanza
     
  20. G

    Gamba Jipya JF-Expert Member

    #20
    Jun 2, 2011
    Joined: Apr 16, 2011
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    Mkuu hii itakuwa nchi ya DR wa CDM, maziwa na asali-mijuu guu!!
     
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