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Take Home 850,000 to 1,100,000; Please Advice

Discussion in 'Habari na Hoja mchanganyiko' started by Smarter, Feb 3, 2011.

  1. Smarter

    Smarter JF-Expert Member

    #1
    Feb 3, 2011
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    Geat Thinkers,
    Kwa mfanyakazi Bachelor, apatae Take home ya kati ya 850,000 mpaka 1,100,000/=
    Unashauri aishi maisha ya aina gani ili aweza kuishi vizuri, na ku-save, ikiwezekana kufanya investment baada ya Muda.

    1. Apange nyumba ya wastan wa Kodi kiasi gani?
    2. Chakula ( ki makadirio) Monthly?
    3. Gari aina gani?
    4. A save kiasi gani Kwa mwezi?
    5. Matumizi ya mwezi yanatakiwa kuwa asilimia ngapi ya kipato?

    Swali liko general bt naamini we can have something to say.
     
  2. Polisi

    Polisi JF-Expert Member

    #2
    Feb 3, 2011
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    Nimeshindwa kuelewa na maudhui ya thread yako. Kama unataka ushauri wa jinsi ya kutumia kipato chako wewe binafsi subiri watoto wenzio wakitoka lecture watakuja wakujibu. Vivyo hivyo kama unazungumzia taifa as a whole kwa kuonesha ugumu wa maisha ulivyo kwa sasa, kiwango ulichotumia ni kikubwa mno ukilinganisha na hali halisi ya mishahara ya watumishi walio wengi kama vile walimu, polisi n.k.ukizungumzia majority take home yao haizidi 300,000
     
  3. Henge

    Henge JF-Expert Member

    #3
    Feb 3, 2011
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    Namkumbuka Dr Slaa ndo alisema wananchi wengi tunaishi kisaniii tuuu! yaani niwiziwizi kwenda mbele!
     
  4. Babu Lao

    Babu Lao JF-Expert Member

    #4
    Feb 3, 2011
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    Kweli mkuu huyu bado hajaanza kuishi:coffee:!!!
     
  5. Obuntu

    Obuntu JF-Expert Member

    #5
    Feb 3, 2011
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    You will (not) change your life, until you change your choices
     
  6. Yo Yo

    Yo Yo JF-Expert Member

    #6
    Feb 3, 2011
    Joined: May 31, 2008
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    1. Apange nyumba ya wastani wa Kodi kiasi gani?
    Nyumba nilikuwa nalipa mnyamwezi 350 jiwe 5 hiyo….mlinzi 50k maji 27k kupandisha juu maji….jumla nilikuwa naspend 600,000/= taslimu kwa malazi

    2. Chakula ( ki makadirio) Monthly?
    msosi aisee…..tea sinywi…natoka home nikifika town kuna sehemu naenda kunywa supu na chapati..supu na chapati 2500/= maji sinywi asubuhi nabana matumizi nitakunywa ofisini.Mchana menyu buku 2 jero na maji ya 500 jumla 3000/= Usiku kwa kuwa nachelewa kurudi home na sitaki shori anipikie basi napita fasti fudi buku 3500/= na maji ndogo ya kilimanjaro……uku nikiwasubiri washikaji nasindikizia na Tusker barrriiidi hongera bar….

    Total kwa menyu tu buku 10 per day ni kwa kujibaaana sana….hio ni j3 mpaka ijumaa…sijaweka vocha approx buku 2 per day kama kuna promotion kama hamna promotion buku 2 kwa mitandao mi3 jumla 6000/=
    Weeekend lazima niweke 20,000/= kwa kiingilio sehemu sehenmu za starehe kwa wiki….tasker sinunui ndani zauzwa ghali nitaingia nikiwa tungi kwa za 1500*4=6000/=
    3. Gari aina gani?
    sina….naazima na kila nikiazima si chini ya 10000/= wese natia….

    4. A save kiasi gani Kwa mwezi?
    kweli si save….ila nina madeni….nakopa pa kwa wale wanaonisitiri…

    5. Matumizi ya mwezi yanatakiwa kuwa asilimia ngapi ya kipato?
    Hakuna fomula….mfano ukiangalia matumizi yangu si chini ya 900,000/= kwa kujibaaaana sana
     
  7. T

    Tikerra JF-Expert Member

    #7
    Feb 3, 2011
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    Hata maisha unataka wana JF wakupangie mm,kazi kwelikweli.
     
  8. Vinci

    Vinci JF-Expert Member

    #8
    Feb 3, 2011
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    there is no formula broda....maisha ni vile ww utakavyojipangia kulingana na kipato chako,utakavyoridhika na kukubaliana na hali halisi..kuna ordinary life style..panga nyumba ya kawaida from 150k to 200k means kwa mwezi 6 au mwaka utapaswa kuwa na house rent kiasi cha sh. 1.2m hili la nyumba linazingatiwe kwa maritual status, je single or married...kama single huhitaji kuwa na nyumba kubwa yenye vyumba vingi..1 or 2 bed rooms will do.mengine hayana fixed situations anytime anything can happen.Gari first ni consumption/spare availability na bei za spares, kama sio mtu wa showoff hata starlet, duet, nissan march,vitz zinafaa tuu..depends on the nature of your daily business or work. mengine kanyaga twende maisha yatakuwa eazy na kama sio mtu kilaji tena aah..i believe utaweza kusave some gud money na bado ukaisha maisha mazuri.

     
  9. Mpita Njia

    Mpita Njia JF-Expert Member

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    Feb 3, 2011
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    Kwa mshahara huo jiandae kupanga uswahilini, ndo utaweza kusave na kununua gari.
     
  10. kibhopile

    kibhopile JF-Expert Member

    #10
    Feb 3, 2011
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    Duh kazi ipo, so u do want the instruction manual? u act like a new electronic machine.
     
  11. Mfamaji

    Mfamaji JF-Expert Member

    #11
    Feb 3, 2011
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    Ukishezipata ndio utajua
     
  12. bwegebwege

    bwegebwege JF-Expert Member

    #12
    Feb 3, 2011
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    Mshauri aanze kuiba mali ya umma na kupokea rushwa!
     
  13. s

    superfisadi JF-Expert Member

    #13
    Feb 3, 2011
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    duh huku duniani maisha kimtindo asikwambie mtu kwa mshahara wa kiasi chochote utatoboza next month cha msingi panga matumizi kulingana na kipato ulichonacho na uishi utakavyo si watakavyo hapo utasonga mbele ukiishi watakavyo utaishia kuwa mla rushwa na sound kibao
     
  14. Goldman

    Goldman JF-Expert Member

    #14
    Feb 4, 2011
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    Inatakiwa kabla hujanunua gari u save hela kwa juhudi kubwa upate hela zinazoweza kukufanya uishi miezi 3 mpaka 5 bila kutegemea mshahara kama kuna emergency. Hiyo hela ndo inakaa bank ni emergency money, baada ya kufanikiwa hilo unatakiwa uwe una save 10% ya mapato/salary yako, hiyo 10% saving hauiweki bank bali una invest maana bank riba yao ndogo. Kuhusu utakula sh ngapi, house rent ya sh ngapi hizo ni changamoto ambazo utazi handle mwenyewe . Kuhusu investments hapo inabidi utulie na najua opportunities ziko nyingi. Kwenye usafiri tafuta gari ambalo liko economic, spare availability etc. Ila usinunue gari kabla ya kuwa na emergency account & 10% saving monthly to investments. It can sound simple but it's tough thats why very few ndo wanafanikiwa.
     
  15. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #15
    Feb 4, 2011
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    Inategemea upo wapi kama upo mikoani its cheaper, lakini kabla haujawaza gari (unless unaongelea gari la biashara kama taxi) Priority ya kwanza ni Kujenga Kibanda Chako, Hii itakusaidia in the long run kusave hilo pango la nyumba unalolipa.

    Kwa mshahara wako unaweza ukajiunga Saccos na mikopo ya hapa na pale ukatafuta kiwanja ukaweka hata kibanda cha mbavu za mbwa, baada ya muda na kuinvest utakuwa unajenga nyumba nzuri na polepole.

    How much should you spend, inategemea your basic needs na upo wapi na vitu ni bei gani, lakini investment sio mpaka utumie ma millions of Cash unaweza hata kuanza kwa kufungua kibanda cha nyanya, polepole mtaji utaongezeka.

    Hakikisha kwamba matumizi yako yasiwe 100% ya kipato chako au zaidi save polepole as time goes on with more money mambo yatanyooka, Mfano baada ya kujenga kibanda chako cha mbavu za mbwa hapo utakuwa unasave kama 600,000/= au zaidi kwa mwaka ambazo ungempa mama mwenye nyumba.., avoid unneccessary spending, na looks for bargains, angalia kama unaweza kuweka bill kwa mama ntilie kwa mwezi mzima huenda akakupunguzia kama tshs 500/= kwa kila sahani kama utakuwa unalipa mwanzo wa mwezi..

    Hope this Helps, Just a challenge.., kama mtu anasurvive na laki 3 kwa mwezi basi wewe unaweza ukasave laki 7 kwa mwezi kutoka kwenye hiyo 1m unayopata
     
  16. Chapa Nalo Jr

    Chapa Nalo Jr JF-Expert Member

    #16
    Feb 4, 2011
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    Kwa Tanzania yangu ninayoijua na kuishi, kiwango cha take home ulichotaja kipo kwa kundi ndogo sana la wananchi, sana sana wanaofanya kazi private companies zenye heshima sio kwa wahindi, na vibosile serikalini.

    Back to advise; Mimi nasema hivi maendeleo ni commitment ya mtu, kuna watu wana mishahara mikubwa lakini wameshindwa kimaendeleo na wale wenye mishahara ya kawaida, eg mtu anapata Ths 350,000/= ana maendeleo kuliko yule wa hiyo uliyotaja. Kwa kifupi maendeleo ni kujibana na starehe ni kinyume chake. Ila nakubali kuna mishahara mingine ni midogo kiasi hata jinsi ya kusevu yataka muujiza, eg mtu anapata below 80,000/=Ths.

    Kwa mfano wa take home uliyotaja, mwingine anaweza amua kwenda kuishi uswahilini ambako atapanga nyumba nzima kwa 150,000/=, mwingine ataenda Sinza na kwengineko atalipa 400,000/= au zaidi nk. Sasa tuchukulie wote wawili wanataka maendeleo na si watu wa anasa mmoja ana uwezekano wa ku-save zaidi ya mwenzie.
     
  17. KakaJambazi

    KakaJambazi JF-Expert Member

    #17
    Feb 4, 2011
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    Huyo ni miner. Hawa wachimba madini/dhahabu (gold digger) akili zao ni minor sana.
     
  18. Mlachake

    Mlachake JF-Expert Member

    #18
    Feb 4, 2011
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    Buddy. This depends on your IQ 100%.
    Kila mtu huwa anaishi maisha yake.
    Hapo tunapotezeana muda kumpa mtu ushauri wa jinsi ya kuishi.
    Sidhani kama huyu jamaa ni m2 wa kilaji anaweza kuacha baada ya ushauri hapa!
    Sidhani kama anaishi Sinza anaweza kuhamia Buguruni baada ya ushauri hapa
    Sidhani kama anamiliki mademu sita anaweza kupunguza baada ya ushauri hapa
    Sidhani kama ana ndoto ya kuendesha Vx atarudi kwenye Vitz baada ya ushauri
    Sidhani kama analipa DST 125k kwa mwezi anaweza kuacha baada ya ushauri
    sidhani kama analipa rent ya 500k atarudi kwenye rent ya 150k baada ya ushauri
    Sidhani kama anaenda kazini na taxi atapanda dala dala baada ya ushauri
    Sidhani kama anakula Fast food ataenda kula kwa mama ntilie baada ya ushauri
    Nimalize kwa kusema ajishauri mwenyewe tu.
     
  19. birungi

    birungi JF-Expert Member

    #19
    Feb 4, 2011
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    kwa take home ya 850,000 naweza kukushauri ufungue account maalum ya malengo.
    kwanza kama hauna familia kila mwezi uwe unajiwekea akiba kama400,000. na inayobaki iwe matumizi yako yote upendayo. baada ya nusu mwaka utakua na kiasi cha kama 2,400,000. hizo uzitumie kununulia kiwanja vipo vya bei hiyo huko mbezi mwisho,kitunda au pugu.
    baada ya kununua kiwanja unaweza chukua mkopo kama mil 12. gawa nusu,mil 6 jengea kibanda na 6 zinazobaki nunulia gari dogo,nalo uwe unalifanyia biashara na wewe unalitumia kwa dharula tu na week ends.
     
  20. Darlingtone

    Darlingtone JF-Expert Member

    #20
    Feb 4, 2011
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    Hivi unaweza kujenga kibanda kwa Mi. 6?

    Jamani maisha yamepanda na vifaa vya ujenzi vimepanda kwa asilimia zaidi ya 50, Misumari ilikuwa inauzwa Sh. 2000/- kwa Kilo sasa inauzwa Sh. 4000/-, Nondo zilizokuwa zinauzwa Sh. 23,000/- sasa zinauzwa Sh. 38,000/-
     
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