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Unaishi kwa kipato chako?

Discussion in 'Jamii Intelligence' started by Mzee Mwanakijiji, Jan 20, 2009.

  1. Mzee Mwanakijiji

    Mzee Mwanakijiji Platinum Member

    #1
    Jan 20, 2009
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    Kutokana na hali ngumu ya kiuchumi imenilazimu kuanza kibarua kingine ku "supplement" ajira yangu kuu. Gharama ya nyuma, makadi kibao, na vitu vingine ninavyolipia ambavyo hata sivihitaji imenifanya nijikute nabadilisha sana mtindo wa maisha.

    a. Hakuna kwenda sinema kila weekend;
    b. Hakuna kula out (imebidi nijifunze kupika kitu kingine zaidi ya wali na maharage ya makopo)
    c. Hakuna kwenda mjini kwa gari (naendesha hadi Mall, napaki nakuchukua UDA - SmartBus) siku nikiwa na mizunguko mingi


    Sasa tatizo kubwa lililopo nikilinganisha na nilipokuwa nyumbani ni kuwa hapa kwenye kibarua kikuu na hata hicho cha pili "hakuna mitkasi" ya kuweza kusupplement kipato changu na hasa shughuli nyingi nizifanyazo. Wakati mwingine hali inakuwa ngumu na ninatamani kungekuwa na "njia" ya mkato ya "kibongo bongo" kuweza kujipatia "kipato cha ziada" bila kuhenyeka sana.

    Sasa hili limenifanya nijiulize mtumishi wa umma au hata sekta binafsi (ambaye si mmiliki) anatumia njia gani kusupplement kipato chake na kuafford lifestyle yake? Hivi kwa kipato chako peke yake unaweza kumudu maisha yako au itabidi ufanye mabadiliko makubwa ya jinsi unavyoishi? Je yawezekana kumbe wengi wetu tukipewa nafasi ya kula, tutatafuna bila kukaribishwa na kumegua bila hata kunawa mikono? Je yawezekana baadhi yetu ambao tunatamani kushika nafasi fulani ya kiuongozi tuna upotential fisadism wa aina fulani?

    Endapo mianya yote ya ulaji ikifungwa (no per diems, posho nyingine kama za vikao, za safari, za hali ngumu n.k) utafanya nini? Itakuwaje kama bosi wako anataka uwepo kazini kweli kwa masaa nane na usiende kushughulikia "miradi" yako wakati wa kazi? Vipi kama yule mtu wa supply akiamu kuzingatia sheria na kuhakikisha kitu hakitoki isipokuwa kwa saini na kwa idadi kamili; yaani njia zote za ujanja za kujipatia kipato zikibanwa utaweza kuishi kwa kipato chako au kutafuta shughuli nyingine halali katika muda wako wa ziada?

    Je yawezekana tunaishi katika utamaduni wa kijanja janja kiasi kwamba ufisadi siyo suala la wenye nguvu tu bali pia watu wa chini ambao maisha yao yote wamejifunza "kuula" na hivyo kila mtu anapopata nafasi ya kutumikia kitu cha kwanza anachofikiria ni jinsi gani nafasi hiyo itampa kipato zaidi ya kile kilichoko kwenye mkataba?

    Bila njia za ujanja ujanja tunaweza kweli kuishi kwa kipato chetu cha kawaida.
     
  2. P

    Pascal Mayalla JF-Expert Member

    #2
    Jan 21, 2009
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    Mzee Mwanakijiji, baadhi yetu tulijaribu maisha ya Bongo tukashindwa. Tukajaribu na ughaibuni tukashindwa hatimaye tumerudi Bongo kama Mishen Town. Japo maisha ni magumu lani mara moja moja line zinafunguka.
    Kwa watumishi wa umma, hakuna anaweza kuishi kwa kipato chake pekee. Kuanzia Mkuu wa nchi na mishe mishe za vijisafari chungu tele, sometime deal sio safari, deal ni per diem.

    Huko chini ndio usisikie, bila vikao,warsha, semina, kongamano na mikutano, hakuna linalowezekana. Procurement ndio inasawazisha mambo yote mpaka chakula ya wazee. Hii imekuwa ndio mtindo wa maisha.

    Sekta binafsi na mashirika ya kimataifa, multilateral organizations na maconglomerete ndizo zinaokua maisha ya kundi wanaloishi kwa mishahara yao, hawa wanalipwa kwa dola kuanzia 3,000 mpaka wa 30,000. Kundi hili ni wachache wenye bahati, CV/resume za mguvu ama technical know who na wenye majina makubwa, hawa life is good, the rest tunahangaika tuu kama nyie tena afadhali yenu hicho kibarua cha ziada kinapatikana, hapa Bongo, hata hiyo shughuli ya msingi kuipata ni issue.
     
  3. Kibunango

    Kibunango JF-Expert Member

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    Jan 21, 2009
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    Unataka kuhalalisha kitu gani Kamanda?
     
    Last edited: Jan 21, 2009
  4. Mzee Mwanakijiji

    Mzee Mwanakijiji Platinum Member

    #4
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    siyo kuhalalisha ndugu yangu bali kujaribu kufocus tatizo letu hasa ni nini? ndugu yangu Nyani ana msemo kuwa "Waafrika ndivyo tulivyo". Wengi wetu tunakerwa na ufujaji wa mali ya umma na matumizi mabaya ya ofisi (hasa inapohusu wanasiasa). Najaribu kuona kuwa yawezekana tunawanyoshea kidole kimoja wao, vitatu sisi wenyewe na kimoja Mungu shahidi yetu.

    Swali la msingi ni kuwa hivi kweli ikiingia serikali makini ikakata mianya yote ya "kipato cha ziada" na kulazimisha watu kuishi kwa malipo yao ya mwezi, wangapi kati yetu wataipigia kura serikali hiyo?
     
  5. Kibunango

    Kibunango JF-Expert Member

    #5
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    Huu mjadala wako umekakaa kimtego sana na hasa kwa kundi kubwa mno la wafanyakazi wa serikalini. Sio rahisi kwa kundi kubwa la watumishi wa umma kuweza kuishi kwa kutegemea kipato chao cha mwezi. Hili lipo muda mrefu na ili kulihalalisha limekuwa likipewa majina mazuri mazuri masikioni mwa watu ili kuondoa dhana nzima ya matumizi mabaya ya madaraka ikiwa ni pamoja na ufisadi.

    Kuna bandiko moja katika ukumbi wa Habari na Hoja lilikuwa linajadili kama Watz ni wavivu, huko yakaibuka mambo tele ikiwa pamoja na uwezo wa Watz kuishi kwa kutegemea kipato cha misharaha pekee. Kwa ufupi ilionekana kuwa hilo halitowezekana kwa mfumo wa sasa wa kulipwa kwa mwezi tena katika kiwango kisichoweza kukidhi mahitaji ya kawaida na ya lazima ya binadamu. Aidha kuna memba mmoja hukohuko alikujana bandiko la kuhoji matumizi makubwa ya wafanyakazi wa serikalini ilhali mishahara yao ni kidogo.

    Iwapo patatokea serikali makini katika mfumo wa sasa wa maisha, na kubana miaya yote ya mapato ya ziada haitopata kura yoyote toka kwa wafanyakazi. Ingawa asilimia 80 ya Watanzania ni wakulima, sidhani hata hao wakulima kama wataweza kuipigia kura, kwani kwa namna moja ama nyingine nao hufaidika kuwa na ndugu zao wafanyao kazi serikalini.
     
  6. P

    Pascal Mayalla JF-Expert Member

    #6
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    Umasikini uliokithiri unawatuma watumishi/waajiriwa kuishi kwa mbinu. Kuna baadhi yetu siyo tunasikitika kwa nini mafisadi wamefisidi mabilioni, bali ilikuwaje deal ikabumbuluka?. kutokana na dhiki yangu nilijisikitikia kuwa niko Bongo, Mission town, natumia usafiri wa Dala dala huku kuna deal nene ya kununua Vogue imepita juu kwa juu!?. Najisikitikia nilikuwa wapi masikini mimi. Kwa vile deal imegomba, najifariji bora sikuwepo huku nikiendelea kuusikitikia umasikini usio na mwisho.

    Kasusura alipolamba kitita cha City Bank bila- kumwaga damu, japo siungi mkono ujambazi, nilijisemea kimoyo moyo, jamaa kauaga umasikini. Sio siri alipokamatwa nilimsikitikia kwa upuuzi wake wa kutanua kenye starehe na kuhnongo wanawake wa Mbeya laki laki, kimoyo moyo nikisema jamaa ni mpuuzi.
    Tafadhalini msinione kama nashabikia u fisadi bali umasikini uliokithiri unakufanya kuwaza hata maovu. Kwa walioona movie ya Trading Places ya Eddie Murphy na Dan Akroyd mtanielewa.

    Kwa wapenda mchezo wa boxing, wakiona watu wanavua mashati kutaka kupigana, atashabikia ili aone boxing bure na akija mtu kuamulia, utamkasirikia kuwa amekukatisha uhondo
    Na hivyo ndivyo ulivyo uhondo wa pesa.
    .

    Vivyo hivyo katika listi ya mafisadi, wamo na wasio mafisadi, na kuna mafisadi wakubwa zaidi na waovu zaidi ambao hawamo kwenye listi na hawatawemo milele.
     
  7. Shadow

    Shadow JF-Expert Member

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  8. Bowbow

    Bowbow JF-Expert Member

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    Jan 21, 2009
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    Napenda kusema inawezekana 100% kuishi kwa kipato halali cha serikali.

    Mimi binafsi nimefanya kazi kwa zaidi ya 4 serikalini katika rank ya kati TGS D tena kwenye mlango wa rushwa sikuwahi kuomba wala kupokea na nilikua naishi vizuri bila tatizo.

    Kama tunahitaji kuwa na kanyumba ka kuishi within 5 years hilo kwakweli haliwezekani. labda kwa mkopo ama kufanya kazi ya ziada. Baada ya miaka yangu 4 nilihamia sekta binafsi nililipwa lamost mara 3 zaidi ya serikalini life style ilibadilika kidogo (The higher the income the higher the consumption). Nilianza kuwa na savings lakini sikuweza kusave ile nyongeza yote mshahara, maana kama nilikua nawza kuishi na mshahara wa serikali basi ningepaswa kusave nyongeza yote.

    Hivyo nasema kulipwa mshahara mkubwa sio kufanikiwa kimaisha bali effective way ya kutumia kidogo tupatacho ndio msingi wa maendeleo.

    Fanya observation ifuatayo: Angalia masikini(mwenye kipato chini ya 500,000 lakini zaidi ya 150,000 na tajiri nani anakula mlo mzuri kwa maana ya balanced diet. Angalia plan zao za maisha zikoje.
    Hivyo tunaweza kuihi bila ufisadi na waafrika sivyo tulivyo
     
  9. BAK

    BAK JF-Expert Member

    #9
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    Tatizo letu kubwa linalosababisha watu kutafuta njia nyingine hata zikiwa za haramu kuongeza kipato chao ni mishahara midogo ambayo haiendani na hali halisi ya maisha.

    Nakumbuka SIKUPI (SCOPO) ilipoamua kuyaruhusu mashirika ya umma kulipa mishahara kutokana na uwezo wake, watu wengi walikuwa wanatafuta kazi BoT kwa udi na uvumba maana tarishi alikuwa anapata mshahara mkubwa kuliko makatibu wa wizara, General managers na Director Generals wa makampuni mengi ya umma.

    Naam wengi watawapigia kura waliopo madarakani kama wataamua kuziba mianya yote ya ufisadi na ufujaji na wakati huo huo kuongeza mishahara ilingane na hali halisi ya maisha badala ya hii ya sasa ambayo inatosha kwa siku 10 tu za mwezi. Kima cha chini labda kiwe 200,000 au 250,000.

    Na hili linawezekana kabisa kama tukisaini mikataba ya rasilimali zetu ambayo ina maslahi kwa Watanzania na pia kuachana na matumizi ya kifahari yanayofanywa na serikali yetu ya kutaka kununua magari ya kifahari ambapo gari moja linagharimu kati ya 100 na 150 millioni kuacha manunuzi ya kifisadi kama ya Rada, ndege ya Rais n.k.
     
  10. Susuviri

    Susuviri JF-Expert Member

    #10
    Jan 21, 2009
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    Tatizo ni kwamba tunataka kuishi beyond our means!! Nchi kama Tanzania ambayo haiproduce anything significant kutokana na kukosekana kwa viwanda etc, tunataka kuishi maisha anayoishi Mmarekani au mjapani.
    Pia gharama ya kuishi Western life in Bongo is out of proportion with the realistic income of people. Angalieni katika supermarket jinsi chakula tunachotaka kula cha nje kilivyokuwa expensive - it is more expensive than the UK. Nimeshatembelea some African countries nakuona that cheese and wine does not cost a fortune like in Tanzania. So let us talk about the food supply, the importers, the corrupt customs officials, the lack of agriculture strategy instead of looking at the surface of things and generalizing.
    (Mfano mwingine ni cinema - in the US the ticket costs 7 USD in Tanzania ... 8,000 Tshs!! Ludicrous!)
    Consumerism in Tanzania and the desire to live a life that is beyond our means is fueling unhappiness and unnecessary means of cheating, fraud and grand theft!
    Bowbow and Shadow have valid points! You cannot build a house in 5 years and buy a Vogue and very few Americans (in proportion to its population) can! Even the American fast way of life has come back to bite them in the form of Credit crunch, whereby Americans mortgaged their future and children's future for instantenous pleasure and it turns out even they were living beyond their means. Let us go back to sensible way of life that also is good for the environment and for the healthy growth of our society. Na tusiendekeze sentiments that are not in line with the reality of life.
    Mze Mwanakijiji, heshima mbele, hebu katembelee mikoa kama Rukwa, Lindi etc ukajionee jinsi mtu unavyoweza kuishi maisha mazuri kwa sh 150,000 na kupata lishe bora na ukajenga hata nyumba! Dar-es-Salaam is a screwed place with illusions using smokes and mirrors to pretend as if Tanzania has caught up with the Western world while in reality Tanzania (the real Tanzania) is the 80 % in rural areas who do not know or need cheese and wine, cinema every weekend and for whom 150,000 shs is an excellent salary. I find it sad that a thinker like you cannot see beyond the illusionary world of Dar.
     
  11. BAK

    BAK JF-Expert Member

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    Kwa maoni yangu Watanzania wengi wanataka sana kujituma tatizo ni mtaji wa kuwawezesha kujituma. Mabank kama tujuavyo kama huna unmoveable asset(s) basi kupata mkopo toka mabank yote ni ndoto na JK alijaribu kuja na "Mabilioni ya Kikwete" ili kusaidia Watanzania kujiajiri ili kuongeza vipato vyao yalikopotelea mabilioni hayo hakuna anayejua labda JK na subordinates wake. Kwa hiyo hili la kutokuwa na mtaji ni kikwazo kikubwa kwa wengi ambao wana nia ya kweli kujituma ili kujiajiri wenyewe na pia kuongeza vipato vyao.
     
  12. Susuviri

    Susuviri JF-Expert Member

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    Bubu my friend, you are right from this aspect but I am a little restraint when it comes to mikopo, kumbuka this has become the Black hole of the American economy, people taking credit to live a life they cannot afford.
     
  13. BAK

    BAK JF-Expert Member

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    That is true Susuviri, but you can not compare someone who would like to get a loan in order to start a business and someone who would like to swipe his/her credit card in order to buy the latest TV on the market or SUV.
     
  14. Susuviri

    Susuviri JF-Expert Member

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    Very fair comment: business loans are available however in Tanzania, even though the conditions are ridiculous. However I think that this loan issue is overrated in some ways just like the micro loans were so fashionable a few years ago.
     
  15. Outlier

    Outlier JF-Expert Member

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    Samahani Bosi lakini naona unatania maisha ya watu wa maeneo hayo, ama hujawahi kufika!
    How can you possibly, sensibly say watu kule wanaishi maisha mazuri?!
    % ngapi wana access na clean water? Je, huduma ya afya? Umeme? Transport? Akina mama wanakufa wakati wa kujifungua kisa mbali na huduma ya afya, ama wakienda hakuna wataalam. Hospitali daktari afanya upasuaji kwa kibatari- wagonjwa kibao wanakufa.
    na nyumba walizojenga, ni nyumba bora au bora nyumba!
    Acha kutania, maisha ni mabaya- watu hawana alternative, inabidi wayapende hivyo hivyo.
     
  16. Bonnie1974

    Bonnie1974 JF-Expert Member

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    Issue hapa ni wale wanaotafuta mahitaji ya msingi ya siku na wale wanajilimbikizia zaidi ya mahitaji ya mtanzania wa kawaida ya hata mwaka mzima.
    Usinihukumu kwa kutafuta fee ya mtoto wangu asome pale Mgulani sekondari na pesa kidogo ya kupelekea wazazi wangu.Tofautisha hilo mkulu.
     
  17. Iteitei Lya Kitee

    Iteitei Lya Kitee JF-Expert Member

    #17
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    Ngwea aliimba nipeni dili masela,nikapate mahela!!
    Tena dili la kulala maskini kisha kuamka tajiri!!
    Yani wizi mtuupu Bongo.
     
  18. Mzee Mwanakijiji

    Mzee Mwanakijiji Platinum Member

    #18
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    Mtu ambaye kipato chake halali ya mwezi (bila mabonus na ma per diem) ni kama Tshs 200,000, ana watoto wanne (mmoja ndio ameanza sekondari), ana bila ya nyumba ya kupanga kwa Mama John, usafiri wake ni wa kudowea kwa Mzee Ramadhani hadi kituo cha basi ambapo anapanda basi kwenda kazini, akirudi jioni hadi afike nyumbani ni karibu saa moja kila siku.. mara mtoto wa mwisho mgonjwa anahitaji kupelekwa hospitali kwa haraka, matumizi ya mtoto wa bweni nayo yamefika.. mtu huyo anapopata nafasi ya kutengeneza visafari na visemina akapata Tshs 20,000 tutamuonaje?

    Kama ni mtu wa ngazi ya kati au ngazi ya juu ambaye ana hudumia na familia ya kaka yake aliyefariki baada ya kuugua Ukimwi (akitanguliwa na mke wake) anapata nafasi ya ziara za RAis akijua kwamba kila ziara analipwa Elfu 4000 kwa siku (wakiwa nje ya nchi) kwanini asifanye mipango ya kuwemo kwenye ziara hizo kila inavyowezekana?

    Kama yeye ni mwandishi wa habari ambaye hana njia nyingine na hawezi kutegemea kuandika ripoti tu kupata fedha isipokuwa analazimika kuchonga habari dhidi ya kiongozi x,y na kwa vile anaonekana machachari anakaribishwa katika ziara ya Rais Marekani gharama zote zikilipwa na serikali na tuposho twa safari, kweli tutamlaumu akiandika habari moja au mbili za kuisifia serikali hata kam hazina substance yoyote?

    Kama mtu ameshindwa au anashindwa kuishi kwa kipato chake wakati gharama za maisha hazimuonei huruma, tutamlaumu akiwa "fisadi mwanafunzi"? Au tumwelewe hali yake na tuendelee na wale wanaoiba mabilioni kama vile ya EPA?
     
  19. J

    Jitume Senior Member

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    MM

    1.Kama si wote basi thread hii wengi wetu itatusuta, hakuna wa kupona.

    2.Lakini ikumbukwe, SERIKALI yenyewe (wanasiasa) ndio wametufikisha hapo!!.
     
  20. Recta

    Recta JF-Expert Member

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    Mkuu Mwanakijiji, Heshima kwako na wakuu wote wanaochangia hapa. Mkuu, sioni tatizo kwa mfanyakazi wa serikali kujiongezea kipato kwa safari (Per DIEM). Katika utaratibu wa kawaida, mfanyakazi akisafiri (kutoka katika kituo chake cha kazi) kwenda sehemu yoyote, anatakiwa kuwezeshwa kufanikisha safari yake kadri inavyowezekana. Mfanyakazi huyo, anatakiwa awe na nidhamu ya kubana matumizi, ili mapato atakayopata kutokana na safari zake hizo yaweze kumsaidia yeye na familia yake. Ukweli ni kwamba, mishahara ya serikali ni kicheckesho cha ajabu sana. Maana wafanyakazi wanalipwa mishahara midogo sana kulinganisha na maisha halisi ya jamii zetu, na wakati huo huo, marupurupu mengine (kama safari, posho za vikao, na hata posho za extra duty) yamekuwa makubwa na yakiongezeka kila kukicha. Sababu hizi ndizo chimbuko halisi la rushwa makazini, kwa kuwa mshahara sio kitu cha kutarajiwa sana kulinganisha na mbinu nyingine za kuongeza kipato, na hivyo kuingiza wachangiaji wa kipato hicho kutoka ndani na nje ya idara zao (suppliers). Kwahiyo tatizo kubwa kwa wafanyakazi hao ni utaratib na mfumo mzima wa compensation kwa jasho lao. Utaratibu huu ni lazima ubadilike na kuondoa malezi hayo ya Rushwa hata kwa wasiotaka kuwa wala rushwa. Mishahara lazima iangaliwe upya kabisa, posho za vikao hazina maana yoyote.

    Kwa waandishi wa habari au hata wadau wengine wowote wa serikali, ni vyema wakawa na maadili na ustaarabu wa kujihakikishia heshima kwa jamii kwa kuwa wakweli kadri inavyowezekana. Kuliko kutoa taarifa za uongo, ni afadhali kukaa kimya (kwa kuwa kinyume chake ni kuchafua akili za wasomaji, wasikilizaji au watazamaji wa taarifa zako). Mkuu, kukubali kuwa kifaa cha maovu ni kujinyima haki na kudhoofisha uhuru wako binafsi. NI vyema watu hao wakatafuta njia mbadala ya kuuza taaluma zao badala ya kuziuza kwa bei ndogo kiasi hicho. Ninavyoamini mimi, hili halitokea sana kwa waandishi wetu (ila nakubali kuwa wapo wachache wanaofanya hivyo).

    Mshahara hautatosha hata ukiwa mkubwa kiasi gani. Kama mchangiaji mmoja hapo juu alivyosema, kadri mshahara/kipato kinavyoongezeka, mahitaji pia yanaongezeka. Hivyo, nidhamu ya matumizi ndio njia pekee katika kuwezesha kuishi maisha bora. Kuna gharama nyingi zisizo za msingi katika maisha yetu ya kila siku. Tujitahidi kuainisha mahitaji yetu muhimu na jinsi ya kuyapata kwa gharama nafuu.
     
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