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Utajiri Sio Uchawi, Akili au Bahati…. Ni Kanuni Tu…!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by VoiceOfReason, Dec 30, 2010.

  1. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #1
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    Baada ya kuangalia ni nini matajiri wote wanacho (what have they got in common)??..... Na kupitia vitabu tofauti na my own personal experience ya kuangalia watu; Nimegundua kuwa matajiri wote wana tabia zinazofanana

    When it comes to money kuna Kanuni (formula wanazifata) na formula hii in summary ni:- Spend less than your earn; Save, and Reinvest (zalisha pesa zako)

    Lakini am sorry kusema kwamba wengi wetu tunaspend Twice what we earn; na kwa kutumia msemo wa Robert Kiyosaki (Tuna-invest kwenye liabilities na tunaziita Assets). Mfano kwanini ununue gari linalokula sana petrol wakati kipato chako ni kidogo? Je gari (Unless ni gari la kutembelea na si la biashara ni Investment ??)

    Conclusion ni Kwamba Labda kama wewe ni Fisadi lakini usipofata kanuni hizo hapo Juu Kamwe hautakuwa Tajiri.

    Some Extracts kutoka kitabu Cha Richest Man in Babylon

     
  2. mapango

    mapango Member

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    Utajili ndio nini ndugu yangu? tafadhali kipe heshima kiswahili chetu. Najua una lugha yako ya kabila, lakini usichanganye.
     
  3. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    sorry ndugu yangu tarekebisha its just typo
     
  4. Mu-sir

    Mu-sir JF-Expert Member

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    True that is the voice of reason.
     
  5. mapango

    mapango Member

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    Salute!
     
  6. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Wakuu kuna yeyote anapinga kwamba ukifata hayo juu, unaweza usifanikiwe, au anamfahamu mtu anayefata hayo yote na hajafanikiwa?
     
  7. P

    Pokola JF-Expert Member

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    ... Sounds smart, lakini kuna kitu watu wengi hawajui... USIJIUMIZE KUTAFUTA UTAJIRI endapo in the process utapoteza FURAHA.
    Better be happy than frustrated riches. Popeye anajua.:first:
     
  8. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Ni kweli mkuu lakini maybe nikisema utajiri naonekana greedy okay lets say wealth ambayo ni sawasawa na
    Wealth = expenditures + Savings, meaning kwamba unakuwa na pesa za kukutosha kufanya kila unachotaka na unabaki na hazina ya emergency..., Je na hiyo itakufanya usiwe happy....,

    Money and success don't change people; they merely amplify what is already there. Will Smith
     
  9. babalao

    babalao Forum Spammer

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    Wakuu ngoja na mimi nichangie kwenye hili. Principles ulizo zieleza hapo juu ni basic kuna hii moja ambayo ni advanced nimeipata kutoka kwenye kitabu cha Why we want you to become rich (by Donald Trump and Kiyosaki) You can become wealthy by becoming complex or decide not to be wealthy live a simple life. Tajiri yoyote anatakiwa awe na Complex life kwa sababu anatakiwa kuishi matawi ya juu hivyo anataka kupata hela nyingi kwa hiyo atafanya kazi sana atatafuta maarifa makubwa ya ujasiriamali ili awe extra ordinary, hawezi kuishi maisha ya kujinyima kwa sababu mbinu zake za kupata pesa ni za hali ya juu na anapata pesa nyingi. Mtu huyu ana investor mentality hana saver mentality anaujua mchezo wa pesa anaweza kutumia hela kidogo akainvest mahali na kuchuma pesa nyingi ila usichanganye ukadhani ni wajinga, hawa watu ni wajanja sana hawamwagi mwagi pesa wanajua kuzitafuta na kuzitumia vizuri. Mtu anayetumia principle ya kujinyima ni mtu ambaye anataka kuishi simple life hana mpango wa kutafuta sana ila anacontrol matumizi ili yaendane na hali halisi ya maisha ya kimasikini.
     
  10. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Mkuu although sikatai unachosema ila kuna some fine points ambazo nataka niwe wazi au labda sijaeleweka..., It all depends how much cash you have..., now Abramavich kutumia milioni moja kwa wiki its nothing..., (according to his income hiyo huenda ni 0.00000000001%) ya kipato chake, now an ordinary Tanzanian kuspend laki moja in one weekend (probably that is 100%) ya mshahara wake..., therefore the notion aliyotumia Mtunzi wa kitabu cha Richest Man in Babylon ni kwamba "PAY YOURSELF FIRST" akimaanisha kabla haujaenda kumtajirisha jamaa mwenye bar kwanza chukua percent ya pesa zako na ku-reinvest (kwenye mradi wako) kinachobaki ndio ufanye utakavyo..

    Pia Investing is not wasting money (huku ni kuzalisha pesa) na watu hawa huwa hawakurupuki na kuinvest in everything (wanachukua calculated risks), pia another thing hawa watu hawatumii pesa zao (wanatumia OTHERS PEOPLES MONEY) Mtu kama Trump ambaye anainvest kwenye real estate hatumii savings zake ni mikopo kutoka benki, sababu the guy has got enough collateral na anatumia pesa za benki kujiongezea.

    Now Saving Mentality alone ni Ujinga ukiweka pesa tu chini ya mto sio kwamba kuna pesa dume na jike zitazaana, inabidi uweke baadhi ya hizo pesa kwenye miradi (calculated risks and not putting all the eggs in one basket), na faida unayopata baadhi unareinvest na baadhi unaweka kwenye savings..., kama unavyojua liquid funds na zenyewe zinasaidia huenda ukapata deal la ghafla ukawa hauna pesa na sisi average people huenda ikawa tabu kukusanya funds kwa haraka, na wabongo tushakuwa sio waaminifu mtu kukukopa ishakuwa tabu..
     
  11. MIUNDOMBINU

    MIUNDOMBINU JF-Expert Member

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    Wote Mliochangia hapa mko sahihi tu, kila mmoja wenu amejaribu kueleza yale anayoyajua kuhusu mbinu za kupata huo UKWASI.Vivyo nami natoa mchango wangu kiduchu katika mada hii.kama uko na element zifuatazo basi utakuwa uko ktk mkondo mzuri wa kuwa Tajiri;
    1.NIA/DHAMIRA
    2. BIDII
    3. IMANI
    4.UAMINIFU
    5.MALENGO
    6.KUJIFUNZA
    7.NIDHAMU
    8.MAONO
    9.KUJIAMINI
    10.MUDA, (TIME MANAGEMENT)
    SIPENDI KUTOA UFAFANUZI SANA JUU YA VIPENGELE HIVYO LAKINI NAJUA KWAMBA WAJASIRIAMALI WA KWELI WANAJUA VYEMA NILICHO MAANISHA HAPO.BASI CHUKUA HATUA SASA.HAKIKA UTASHINDA KAMA MIMI NILIVYOSHINDA.HAKUNA KUSHINDWA.NI USHINDI TU KWA KWENDA MBELE.HAKIKA HAKUNA ALIYEZALIWA AMESHIKA DHAHABU MKONONI, AMUA SASA, CHUKUA HATUA SASA.MILANGO YA MAFANIKIO IKO WAZI KWA KILA MTU, ACHA KUSITA SITA CHUKUA HATUA TU.MUNGU AWABARIKI.
     
  12. Ndallo

    Ndallo JF-Expert Member

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    11. Kutokukata tamaa!
     
  13. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Ni kweli mkuu uliyosema..., you need all those elements lakini mimi nimetoa formula kanuni... basic kabisa...., Kwamba Spend Less than you earn, reinvest and save. kwamba husipofata hii huwezi kufanikiwa sababu hii ndio basic foundation ambayo inazaa mengine yote. Sababu it comes a time biashara zako zinajiendesha, mfano unaweza ukawa hujui chochote kuhusu biashara lakini unayo team nzuri ya watu (na una people management skills) ambazo zinafanya uwe na uwezo wa kuwatumia watu wakuendeshee biashara zako. Kama unavyojua you are a one person you can not do everything unahitaji kutumia leverage. A good working team can do wonders for you. Mfano I know a Lady alipata pesa za urithi alichofanya aliziweka bank ambapo interest pekee inamfanya aishi comfortably na hafanyi kazi tena..., Therefore huyu dada yeye angeamua kujirusha bila ku-reinvest probably sahizi ndio angekuwa anamalizia the last 200 British Pounds
     
  14. MIUNDOMBINU

    MIUNDOMBINU JF-Expert Member

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    Mkuu.Ili kuweza kuwasaidia na wadau wengine nimeweka hapa baadhi ya copy za vitabu kikiwemo hicho cha THE RICHESTMAN IN BABYLON
     

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  15. SMU

    SMU JF-Expert Member

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    Hii dhana kwa mapana yake ni ya muhimu sana. Wengi ya watu wa vipato vya kati wana-tend (tuna-tend!) ku-invest kwenye liabilities badala ya assets. Nyingi kati ya tunazoziita assets (magari ya kutembelea, nyumba za kuishi nk) ni liabilities.
     
  16. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Mkuu thanks sana hicho kitabu cha Think and Grow Rich ninaki-recommed kwa kila mtu its the best motivational book ever...., na hiki kitabu sio kwa kuwa wealthy tu ni kwa maisha ya kila mtu in everyday life...., I highly recommend it.
     
  17. ANKOJEI

    ANKOJEI JF-Expert Member

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    kwani uchawi ni nini??
    have you ever been moved by an idea such that you can have a dream where you can see everything? though uko kwenye njozi?
    usiku hulali unawaza ki2 iyo 2?
    put in writing,
    take calculated risk,
    consult wahusika,
    pita kwenye izo site,
    fanya market research,
    do cash flow planing (including break even point).

    then be flexible learn the future not the present.

    memorise day in day out, that is business.
    utashangaa,
    The power of mind should be directly connected to the physical being to make dreams come true!!!! jaribu 2 kidogo utashangaa jinsi opportunities zinavojileta zenyewe. KIULAINI.

    huo ndio uchawi. THE DYANAMIC PRINCIPLES OF PROSPERITY.
     
  18. Kweli

    Kweli JF-Expert Member

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    Na kuna hiki kitabu cha The wealthy barber by D. Chilton kwa kweli kimenifurahisha, katika vitabu vyote kuna 5 ambavyo always I'll recommends:
    1 Rich Dad poor dad - Kiyosaki.
    2 Cashflow Quadrant- kiyosaki.
    3 The Richest man in Babylon - G. Clason.
    4 The wealthy barber - D. Chilton.
    5 The money secret - Rob Parson.
     
  19. Kweli

    Kweli JF-Expert Member

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    Kuna mshirika wangu nimeenda Bongo nimemkuta anatembelea Vogue, kwa siku anaweka mafuta ya shs.30,000 ambapo roughly ni shs. laki 2 kwa wiki ama laki 8 kwa mwezi, hapo hujaweka bima na service, mshahara wake ni millioni na nusu, sasa nilimuuliza hivi anamudu vipi kuishi na hilo gari? Jibu lake alinijibu hapa ni mjini, na hilo gari ni statement kwamba yeye ni matawi ya juu ingawa kwa kweli hakukuwa na sababu ya kujikimu mahitaji muhimu just to make statement?
     
  20. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Look at this Scenario...
    Mkuu lets say mimi sina ability ya any creation, am not that good with numbers or marketing..., and am not goot at many things..

    Sasa if I see Mr Good, yeye huwa anafata nyanya kijijini na kuziuza mjini..., I know where he gets them and I know here in town people need tomatoes...., So what I do using my X amount of money buy tomatoes there and sell them here and get 2X of money, spend 0.25; save 0.25; and reinvest 1.5 and carry on all year through, after sometimes move on buying onions as well as fruits and keep on selling...,

    Je do I need all of the above, or just this basic stuff can make me wealthy....?
     
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