Jinsi ya kujiondoa kutoka kwenye lindi la umasikini(vircious poverty cycle)


che-guavara

che-guavara

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che-guavara

che-guavara

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Katika masuala ya kimaendeleo, kiasi kinachopatikana sehemu yake inatumika kwa matumizi ya kawaida (expenditures) na kiasi kikubwa kinatunzwa(savings) baada ya kutunzwa kiekezwe kadri ya mda au kiasi (investments).

1.Kuekeza kuko namna mbili; ya kwanza kwenye vitu vinavyoongezeka samani (asset) mfano nyumba, mashamba ya uzalishaji, mifugo, hisa, majengo ya kukodisha, n.k. (ukiona huna elimu ya biashara hii ni njia muafaka na risk yake ni ndogo.

2. Pili kwenye biashara yaani pesa inayozaa pesa yenyewe. Hii ni njia muafaka kwa wenye uzoefu wa kibiashara kwa sababu kama huna ujuzi kidogo kuna uwezekano ukarudi kwenye umasikini.

Matumizi ya vitu kama tv, simu ya bei, vitanda, sofa, n.k haya si utajiri haya ni matumizi ya kawaida tu.(expenditures). yanapaswa yafanywe pale tu umeshawekeza kwenye namba 1 juu au mbili au 1 na 2 kwa pamoja na kwa kiwango kadri ya uchumi unavyokua.

Ukiona huweki akiba, akiba unayoweka huiwekezi ila inakaa tu benki au nyumbani na baadae unaitumia inakwisha. hufanyi kabiashara hata kadogo na unafanya biashara usioweza kuidhibiti....basi hapo uajitazame upya ufanye marekebisho kwani bado kitafsiri uko ndani ya kitu kinaachoitwa na wataalam wa uchumi "mzunguko wa umasikini' au (VIRCIOUS POVERTY CYCLE).

Kujiondoa ndani ya mzunguko huo si jambo la mara moja lakini usome mtiriko hapo juu na fata taratibu hizo kidogo kidogo inawezekana.....
 
Raia Fulani

Raia Fulani

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Raia Fulani

Raia Fulani

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Unaijua disposable income ya mbongo? Hawa wanaofanya savings na ku invest ni wazi wana vyanzo nje ya mshahara
 
che-guavara

che-guavara

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che-guavara

che-guavara

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Unaijua disposable income ya mbongo? Hawa wanaofanya savings na ku invest ni wazi wana vyanzo nje ya mshahara
Hapo ndio ninapotaka tupaangaalie na je umaskini wa wabongo tutatokaje kwenye hii cycle........basi na tupate mawazo yenu zaidi...
 
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hargeisa

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use cosmi c laws
hakunaaliezaliwa masikini
watu waote maskini ni wao wametaka kuwa masikini
mungu kakuleta duniani ili kila mtu aaishi maisha mazuri
hakuna alietoka na utajiri tumbuni kwa mama yake!!!!!!!!!!!!1
 
che-guavara

che-guavara

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che-guavara

che-guavara

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unaweza tu mkuu.nimeshindwa ku pm kwa sababu posts zangu ziko chini ya 5.thanks
 
Who Cares?

Who Cares?

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Who Cares?

Who Cares?

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unaijua disposable income ya mbongo? Hawa wanaofanya savings na ku invest ni wazi wana vyanzo nje ya mshahara
hapa nilipo bold ndio utakuta kunazaliwa 90% ya rushwa, wizi, uchawi, waganga wa kienyeji na u-chuma ulete..10% ilobaki ni ya watu wanaofanya kazi za ziada nje ya kipato chao cha halali kama mwalimu kufundisha tuition, doctor kufanya hospital binafsi, mke kutembea nje ya ndoa, viongozi kuenda semina na washa kila siku, kina maryiooo na mengine utitiri kibao...kwa leo inatosha kuonyesha vyanzo mbadala vya mapato ya ziada ya wa-t
 
ndyoko

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ndyoko

ndyoko

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Che-guava yuko sahihi wakuu. Wengi wetu hatuwekezi kwenye mambo ya maana. Utakuta mtu gari anaiita asset kiukweli gari sio assets. Assets ni lazima viwe vitu vinavyokuingizia hela na sio vinavyokufanya utumie hela. Hata nyumba kama wewe unaishi ndani yake basi hiyo sio asset tena, inageuka kuwa utility ila kama umeipangisha basi kimantiki inakuwa asset maana hapo itakuwa inakuingizia mshiko.

Na ndio maana wajanja wengi huwa wanafanya biashara ya real estate kwani ni very nice, mshiko wake huwa ni wa kutosha unapofanya biashara hii.

Wakuu kuna kitabu kinaitwa Rich Dad, Poor Dad, take time kukisoma kina mawazo mazuri sana ya namna ya kuendesha maisha kwa kutumia mitaji yetu midogo tuliyonayo.

Napitapita tu, ntarudi tena.
 
Caroline Danzi

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Caroline Danzi

Caroline Danzi

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Ki ukweli huyu jamaa amekonga moyo wangu. Kuna watu wananunua simu za mamilioni anaita asset. Leo niko nje ya msitari nitatoa maoni na shukurani zang kesho asubuhi.
 
Mamushka

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Mamushka

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hapa nilipo bold ndio utakuta kunazaliwa <b>90% ya</b> rushwa, wizi, uchawi, waganga wa kienyeji na u-chuma ulete..<b>10%</b> ilobaki ni ya watu wanaofanya kazi za ziada nje ya kipato chao cha halali kama mwalimu kufundisha tuition, doctor kufanya hospital binafsi, mke kutembea nje ya ndoa, viongozi kuenda semina na washa kila siku, kina maryiooo na mengine utitiri kibao...kwa leo inatosha kuonyesha vyanzo mbadala vya mapato ya ziada ya wa-t
<br />
<br />
Ha haaa umenifanya ni cheke na mifano yako.
 
Mamushka

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Mamushka

Mamushka

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Che-guava yuko sahihi wakuu. Wengi wetu hatuwekezi kwenye mambo ya maana. Utakuta mtu gari anaiita asset kiukweli gari sio assets. Assets ni lazima viwe vitu vinavyokuingizia hela na sio vinavyokufanya utumie hela. Hata nyumba kama wewe unaishi ndani yake basi hiyo sio asset tena, inageuka kuwa utility ila kama umeipangisha basi kimantiki inakuwa asset maana hapo itakuwa inakuingizia mshiko. <br />
<br />
Na ndio maana wajanja wengi huwa wanafanya biashara ya real estate kwani ni very nice, mshiko wake huwa ni wa kutosha unapofanya biashara hii. <br />
<br />
Wakuu kuna kitabu kinaitwa Rich Dad, Poor Dad, take time kukisoma kina mawazo mazuri sana ya namna ya kuendesha maisha kwa kutumia mitaji yetu midogo tuliyonayo.<br />
<br />
Napitapita tu, ntarudi tena.
<br />
<br />
Sasa mkuu kama mtu una daladala zako kadhaa au hata gari za kubeba kokoto na tax, hizo pia unaziitaje kama gari sio asset? Mh hapo msaada kidogo.
 
che-guavara

che-guavara

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che-guavara

che-guavara

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Ni kweli kuna watu si wema .Hao wezi hawapo kwenye uchumi wapo kwenye wizi na utapeli .labda tatizo ni watu wa kuwashugulikia...wanafanya hata wafanyakazi wasilipwe vizuri na kuongeza disposable income. poverty cycle bado inatutesa watanzania wengi.bado tujadiliane kwa pamoja mawazo yote tu.swali je tutatokaje?
 
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Shadya

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Naunga mkono mpaka mguu, :cool:swali ni je tutatokaje:cool: hebu jamani atookee mtu mwenye mafanikio, atujuze amepataje mafanikio yake je alifanya nini na ana nini mpaka akapata mafanikio tuweze kujifunza wa kina sisi ;(shadya
 
Billie

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Billie

Billie

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use cosmi c laws
hakunaaliezaliwa masikini
watu waote maskini ni wao wametaka kuwa masikini
mungu kakuleta duniani ili kila mtu aaishi maisha mazuri
hakuna alietoka na utajiri tumbuni kwa mama yake!!!!!!!!!!!!1
We sina cha kuongeza ila naungana na concept n' laws za uchumi unazozitoa mheshimiwa
 
Billie

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Billie

Billie

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Che-guava yuko sahihi wakuu. Wengi wetu hatuwekezi kwenye mambo ya maana. Utakuta mtu gari anaiita asset kiukweli gari sio assets. Assets ni lazima viwe vitu vinavyokuingizia hela na sio vinavyokufanya utumie hela. Hata nyumba kama wewe unaishi ndani yake basi hiyo sio asset tena, inageuka kuwa utility ila kama umeipangisha basi kimantiki inakuwa asset maana hapo itakuwa inakuingizia mshiko.

Na ndio maana wajanja wengi huwa wanafanya biashara ya real estate kwani ni very nice, mshiko wake huwa ni wa kutosha unapofanya biashara hii.

Wakuu kuna kitabu kinaitwa Rich Dad, Poor Dad, take time kukisoma kina mawazo mazuri sana ya namna ya kuendesha maisha kwa kutumia mitaji yetu midogo tuliyonayo.

Napitapita tu, ntarudi tena.
kaka nimekisoma kina maarifa sana juu ya mtu kujiajili na kuajiliwa.
 

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