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Nashindwa kupanga bajeti ya mwezi, nifanye nini ili niweze?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by binti ashura, Sep 1, 2011.

  1. b

    binti ashura Senior Member

    #1
    Sep 1, 2011
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    Ndugu zangu mie ni ni mfanyakazi kama siyo kibarua, nalipwa 500,000 kwa mwezi lakini kila nikijitahidi kupanga bajeti nashindwa. Najikuta nikipewa mshahara tarehe 24 kufika tarehe 10 ya mwezi unaofuata ni shughuri nzito. Mie sinywi pombe, sivuti sigara, kwa sasa nimeacha na soda lakini bado hali si shwari.

    Nina mpango wa kuacha chai ingawa sijui kama itasaidia, najikuta siku zinapopita madeni yanaongezeka mpaka imefikia kiasi cha kukopa kwa watu wapya ili niwalipe wale walionikopesha mwanzo.

    Naomba msaada wa mawazo.
     
  2. BADILI TABIA

    BADILI TABIA JF-Expert Member

    #2
    Sep 1, 2011
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    angalia matumizi yako, unanunua nguo mara ngapi? Viatu? Mitoko? One of the formula ukipata mshahara usiutumie hadi baada ya wiki 1. Uwe umeorodhesha mahtaji yako. Ni vyema uwe na budget
     
  3. B

    Bajabiri JF-Expert Member

    #3
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    Ushauri maridhawa huu.....
     
  4. nguvumali

    nguvumali JF Bronze Member

    #4
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    Jitahidi kuishi maisha halisi, achana na maisha ya maigizo.
     
  5. Dio

    Dio JF-Expert Member

    #5
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    Pia usipende kununua vitu hovyo
     
  6. D

    Dopas JF-Expert Member

    #6
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    Unachotakiwa kufanya, ni kuorodhesha mahitaji yako yote katika mafungu, kwa mfano chakula, vinywaji, mavazi, mawasiliano, consumables kama sabuni ya kuoga, dawa ya meno, mswaki, toilet papers, nk, vifaa vya nyumba kama sahani, jembe, kitanda, tv, nk, stationaries kama karatasi, kalamu, fotocopies, nk. transport, entertainments, nk

    Hakikisha kila kitu unachonunua unaandika, na unaweka chini ya fungu fulani. Uone fungu gani matumizi yasiyo ya lazima yanazidi, kisha unapunguza. Kwa mfano kama wewe ni mtumiaji sana wa simu, unapunguza simu zisizo za lazima. Au unatuma ujumbe mfupi kama unatosheleza kuliko kupiga kila mara na hadhithi ndefu kama sio lazima. Kama ni mtumiaji sana wa kinywaji unapunguza, nk.

    Ukifanya kwa siku 15, inaweza kukupa picha kwa mwezi, kwani vitu vingi vinajirudia na vingine unanunua mara moja kwa miaka.
    Jambo la pili kama unajua huna mapato mengine nje ya mshahara, matumizi hapaswi kuzidi kiasi unachopata. Daima hakikisha Kwa mwezi unajitahidi kutumia walau laki 3.5, ili uweze kusave pia Benki. Kwani kuna wakati utahitajika kununua kitu cha laki 5 au zaidi. Kama hela zako ni za kupokea na kula na huna akiba itakula kwako.

    Kama unasomesha vile vile, unajua ada sio kila mwezi, unaweka akiba kwaajili hiyo benki ili baada ya miezi sita au mwaka inapohitajika huna mzigo mkubwa wa kukopa.

    Kwa ujumla ni rahisi sana ikiwa utaandika kila hela inayoingia na inayotoka, sababu za kutoka.

    Kazi kwako
     
  7. Bornvilla

    Bornvilla JF-Expert Member

    #7
    Sep 1, 2011
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    Punguza matumizi yasiyo na lazima.Pia usipendelee vyakula vya gharama kubwa.Piga bajeti ya laki3 au3.5 na nyingine save!
     
  8. Angel Msoffe

    Angel Msoffe JF-Expert Member

    #8
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    Sitaweza kukushauri
     
  9. FaizaFoxy

    FaizaFoxy JF-Expert Member

    #9
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  10. Ze burner

    Ze burner JF-Expert Member

    #10
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    ni vigumu kukushauri kwa kuwa sifahamu matumizi yako ni yepi yanaweza kuwa ni makubwa kuliko kulewa na hayo mengine uliyoyaeleza. ila katika hali ya kawaida inabidi uanze upya. achana na kukopa kwa kipindi cha mwezi mmoja kabla ya mshahara wako. then start afresh budgeting your income. ukiendekeza madeni siku zote unakuwa siyo mvumilivu ktk matumizi na hivyo no budgeting will be possible. ie. hata kukopa unatakiwa ukupangie budget.
     
  11. S

    SALOS Member

    #11
    Sep 1, 2011
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    Punguza mahitaj yasiyo ya lazma kama kununua nguo na via2 mara kw mara,na vocha.
     
  12. Mamndenyi

    Mamndenyi JF-Expert Member

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    laki tano ukijipanga inatosha sana, achana na vitu vya kukopa nunua kwa ujumla, achana na anasa, hapa jf kuna mdada alisema anapokea kiasi hicho na alikuwa anatafuta msaada wa aina ya gari la kununua kwa mkopo, even mimi napokea kiasi hicho na nina watoto wanne, but naishi japo kwa kujibana.
     
  13. mayenga

    mayenga JF-Expert Member

    #13
    Sep 2, 2011
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    tafuta shughuli ya ziada ya kukuingizia kipato na uachane na mshahara,kama we ni dume acha kuhonga.
     
  14. kichomiz

    kichomiz JF-Expert Member

    #14
    Sep 2, 2011
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    Unafamilia ya watu wangapi?
     
  15. S

    Stany JF-Expert Member

    #15
    Sep 2, 2011
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    Kwanza budgeting inategemea una familia ya watoto wangapi,eneo husika,matumiz yako ni daily,interests zako etc.ungeweka taarifa kuhusu hayo hp juu.
     
  16. g

    gracious86 JF-Expert Member

    #16
    Sep 2, 2011
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    heshma mbele mkuu! Thanks so much! Hii nimeipenda na nitaitumia! Hata mimi nina-face the same problem!

    Shukran sana mkulu
     
  17. l

    lombardin Member

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  18. L

    LAT JF-Expert Member

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    in reality hicho kipato hakiwezi kukidhi kwa asilimia 100% mahitaji ya maisha ya dunia ya leo, kuna gharama za simu, internet, petrol, house rent utilities(water and electricity) food (meals), clothing, refreshments, michango ya harusi n.k

    alternative ya hili tatizo siyo kubana matumizi bali ni kuongeza kipato ili kukidhi mahitaji

    ningekushauri uanzishe biashara ndogo huku unafanya kazi ya ajira ili iweze kutoa subsidy ya gharama za maisha pamoja na kipato chako .... nikimaanisha kwamba milango ipo wazi kujikita na ujasiriamali ..... omba mawazo ya biashara gani ya kufanya hapa jamvini wadau watakusaidia

    haya ni maoni yangu
     
  19. M

    Malila JF-Expert Member

    #19
    Sep 2, 2011
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    Kuna hii changamoto ambayo wengi huwa hatuijui kama ipo, yaani kuishi sawa na mazingira yako na sio mazingira ya jirani yako. Nilipotoka JKT nilipata kibarua cha hela ndogo sana, kwa sababu ya hofu ya maisha ktk jiji la Dsm niliweza kutunza akiba sana. Nilihakikisha kila siku ya ijumaa ambayo ndio tulikuwa tunalipwa nakata kafungu naweka akiba.

    Nikapata ajira na posho ikapanda na mazagazaga kibao, huwezi amini nilishindwa kuweka akiba kwa miezi kadhaa,mpaka niliporudi ktk mazingira yangu halisi. Familia zipo, unaweza kuwa na familia ndogo lakini wafujaji ile mbaya, na kinyume chake, sasa ukipata familia kubwa na ni wafujaji hapo ndugu utalia.

    LAT kashauri,badala ya kubana sana matumizi, tafuta la kufanya lingine ili likuongezee kipato. Maadamu umeleta jamvini, nina hakika tayari jibu la tatizo lako umepata.
     
  20. Tulizo

    Tulizo JF-Expert Member

    #20
    Sep 2, 2011
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    Kwanza hongera kwa kuleta mada hii. Kujua tatizo ni mwanzo wa mafanikio. Sasa wengi wameshasema mazuri, nitaongeza kidogo.
    • Kwanza kubali hakuna mshahara mdogo. Bajeti yako yote na maisha yako inabidi yategemee hapo. Hata upate hela kiasi gani kama hujui ni maisha ya aina gani unataka yote ni kazi bure..
    • Pili kumbuka mafanikio ya bajeti yako ni nidhamu. Kama hauna nidhamu kwa bajeti utakayopanga basi haina haja ya kujisumbua kwani ni kazi bure. Siku zote, matumizi ni madogo kuliko mapato, sio tu Tanzania hata kule kwa matajiri hali ni hiyo hiyo.
    • Mapato ya mwezi yatumike kama bajeti inavyotaka tu!.. kama umepata bingo yaani hakikisha unaingiza kwenye bajeti ya mwezi ujao na sio kukimbilia tofali. Hakikisha una benki akauti zaidi ya moja,kila moja kwa dhumuni lake.. Benki ndogo ndogo ziko nyingi bila gharama kama Azania n.k.
    • Tatu, weka muda wa malengo, yaani bajeti yako ilenge mapato na matumizi ya miezi sita au mwaka, usifanye vitu kwa kila mwezi. Ukifanya vitu kwa kila mwezi ndio utaishia kuchukua asimilia 90% ya hiyo laki 5 kununua mifuko ya cement, halafu utakopa hela ya unga. Upande mmoja watakuona jasiri kununua cement lakini watashindwa kujua madeni ya chakula yatakuandama na hicho kibanda hakitaisha kamwe.
    • Nne, katika ile bajeti ya miezi 12 ambayo itakuwa na malengo makubwa kama (a) kukufanya ujimudu kuishi na kufanya kazi (b) mtoto kwenda shule (c) kuwa na akiba ya matibabu na (d) kununua tofati 50 au kiwanja au kuwekeza kwenye njia mbadala yaani kabiashara.
    • Tano. Hiyo bajeti ya mwaka ndiyo uwe unaigawa kila mwezi katika mafungu yafuatayo
      • Kundi la kwanza: Matumizi ya lazima (Fixed) Kama kodi ya nyumba, Mshahara wa H/girl kama unaye; vitu vingine ambavyo ni lazima (hapa achana na michango ya harusi au send off). Hivi ni vitu ambavyo huna haja ya kufikiri viko dhahiri na huwezi kuchakachua
      • Kundi la pili: Kama una mtoto.. Gharama za mtoto ni kundi a peke yake (unaweza hata kufungua akauti tofauti)
      • Gharama zako kwenda kibaruani na chakula cha mchana ma Vocha (kundi lapeke yake)
      • Gharama za chakula panga bajeti na ujue kwa mwezi unahitaji nini.. Vitu vingi vinunuliwe mara moja katika maduka ya jumla kama sabuni, mchele, sukari.. (hapa ndio utaona inabidi uwe na bajeti ya miezi 6 kwani ukinunua mfuko mmoja wa sabuni sokoni kariakoo utatumia miezi mitatu. Na ukilinganisha gharama ya sabuni kwa miezi mitatu kwa duka la mangi ni sawa mara 6 ya kununua jumla. Changamoto hapa ni Nidhamu..nidhamu..nidhamu.. H/Girl akiona sabuni iko ndani basi atasaza ..kuwa mkali na kwa mahesabu!
      • Baada ya hapo..ni kundi la dharura na akiba (hakikisha unakuwa na malengo na kuweka hata elfu 10, akauti tofauti)
      • Kundi lingine ..ni mahitaji yako binafsi na mshahara wako (hii inatokana na salio la hapo juu)
      • Mwisho ni kundi la michango ya harusi, kitchen party n.k (inategemea na salio, kama hakuna salio usikope hela kutoa mchango wa harusi..Kaa kimya, jitoe wewe mwenyewe kama nguvu kazi kwenye vikao, kupika n.k kama kamati haitaki nguvu kazi yako ..basi kaa nyumbani.. Mungu ndiye anayejua bajeti yako!
    • Mwisho kumbuka chachu ya mafanikio sio kufanya alichofanya jirani ila kufanya kile ambacho ulipanga kufanya!
     
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