No wonder why they are filthy rich!!

Matajiri wakubwa duniani, Carlos Slim Helu na Warren Buffett wanaishi kwenye nyumba walizozinunua miaka 40 na kitu iliyopita wakati walipokuwa siyo matajiri kama walivyo sasa. Soma hiki kipande:

1. Keep Your Home Simple
Billionaires can afford to live in the most exclusive mansions imaginable -- and many do, including Bill Gates' sprawling 66,000 square foot, $147.5 million dollar mansion in Medina, Wash. -- yet frugal billionaires like Warren Buffett choose to keep it simple. Buffett still lives in the five-bedroom house in Omaha that he purchased in 1957 for $31,500. Likewise, Carlos Slim has lived in the same house for more than 40 years.


What We Can Learn
Some of the world's billionaires have frugal tendencies. Perhaps this thrifty nature even helped them make some of their money. Regardless, they have chosen to avoid some unnecessary spending (at least on their scale) and the 6,864,605,142 non-billionaires out there can follow suit, eliminating excessive, keep-up-with-the-Jones style spending. No matter what a person's income bracket is, most can usually find a way to cut back on frivolous spending, just like a few frugal billionaires.


Kwa habari zaidi juu ya matumizi ya hawa mabilionea na wenzao bofya hapo - tips-from-frugal-billionaires: Personal Finance News from Yahoo! Finance

NN utajiri bongo lazma uoe wake wengi au uweke concubines kibao. Unyang'anye mali wengine, uhame mtaa, ununue magari mapya, uimbwe kwenye live band...hiyo ndo "keep your home simple" bongo

Mpambalyoto said:

NN utajiri bongo lazma uoe wake wengi au uweke concubines kibao. Unyang'anye mali wengine, uhame mtaa, ununue magari mapya, uimbwe kwenye live band...hiyo ndo "keep your home simple" bongo

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Ahh si kweli Mkuu,

Mimi mbona naishi kawaida sana..lol

wat a load of bs!eti kisa wame-save ndo maana wamekuwa ma-billionaire?? being frugal is just a personal attribute, but it does not equate to amassing billions!

hizo tips za ku save money sie wengine ndo maisha ya kawaida mbona?

hebu leteni tips to save money for an odinary guy ...........hizi za kuwa uache kununua yatch hata ndotoni hazipo mbona!

Gaijin said:

hizo tips za ku save money sie wengine ndo maisha ya kawaida mbona?

hebu leteni tips to save money for an odinary guy ...........hizi za kuwa uache kununua yatch hata ndotoni hazipo mbona!

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The principle is still the same: live within your means. Don't buy a $3,000.00 Louie bag when your rent is $900.00/month.

Refrain from flossin' coz at the end of the day it's you who's cable will be turned off, it's you who's cell phone will be disconnected, it's you who's car will be repossessed, etc. etc.

Don't get credit cards. If you can't pay cash, you can't afford it. Credit cards mean more debt.

I wouldn't be surprised a single bit if Warren Buffett didn't have a credit card. So why should you?

And always remember this; to be frugal is sexy, to be cheap is tacky....hahahahahaaa

Gaijin said:

[I believe more in the principle of being frugal in some areas and spending in others. After all what is the point of working hard if you don't spend your earnings in pleasuring yourself! of course within reasonable limits.

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True, you've got to spend money somehow, be it on toiletries, grocery, other bills, etc. But I'm talking more about splurging on things that you know good, damn, and well that you can't afford but you buy them anyway as if you got pockets on swole.

If the whole point of the article is to press the point on living within means, we got it but I would have been happier if the tips on how to be frugal were more applicable to middle class people at least.

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Sometimes you've got to use your common sense. Nobody knows your financial situation better than yourself. After balancing your checkbook you'll know how much you have left. So why spend money on big ticket items if you know they are going to put you in a crunch?

Giving universal tips on frugality is not that easy because we all have different likes and dislikes as well as needs and wants. Wasteful spending to me (for example, that 3k vacation) may not necessarily be wasteful spending to you. I am a dude, every now and then I like to go and make it rain in strip joints. You may shake your head and say 'you big dummy'....why would you do that when you can have your own woman strip for you at home and not spend a dime?'

Therefore, other than saying spend your money wisely, there isn't much else that can be said on how to be frugal. Just assess your finances and see where you stand and go from there. A little common sense can go a long way......trust me on this one!

nyani ngabu said:

matajiri wakubwa duniani, carlos slim helu na warren buffett wanaishi kwenye nyumba walizozinunua miaka 40 na kitu iliyopita wakati walipokuwa siyo matajiri kama walivyo sasa. Soma hiki kipande:

1. Keep your home simple
billionaires can afford to live in the most exclusive mansions imaginable -- and many do, including bill gates' sprawling 66,000 square foot, $147.5 million dollar mansion in medina, wash. -- yet frugal billionaires like warren buffett choose to keep it simple. buffett still lives in the five-bedroom house in omaha that he purchased in 1957 for $31,500. Likewise, carlos slim has lived in the same house for more than 40 years.


what we can learn
some of the world's billionaires have frugal tendencies. perhaps this thrifty nature even helped them make some of their money. Regardless, they have chosen to avoid some unnecessary spending (at least on their scale) and the 6,864,605,142 non-billionaires out there can follow suit, eliminating excessive, keep-up-with-the-jones style spending. no matter what a person's income bracket is, most can usually find a way to cut back on frivolous spending, just like a few frugal billionaires.


Kwa habari zaidi juu ya matumizi ya hawa mabilionea na wenzao bofya hapo - tips-from-frugal-billionaires: Personal finance news from yahoo! Finance

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lakini yule jamaa wa india hashi hivyo, ananishi kitajiri kwelikweli, ananyumba ina ereji kama 100+ na maari 100+ nanyumba yake ni ya horofa 5+

The secret behind those millionaires amassing a lot of money is not in saving only is how they invest their money. Siri ya hawa mabwana ni kuwekeza kwenye real estate.

Gaijin said:

hizo tips za ku save money sie wengine ndo maisha ya kawaida mbona?

hebu leteni tips to save money for an odinary guy ...........hizi za kuwa uache kununua yatch hata ndotoni hazipo mbona!

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Umenichekesha Gaijin lol......
Kuna vitu vingine hata huwezi kuvi apply kwenye mazingira ya Kitanzania.
Tanzania kuw ana gari zaidi ya moja ni out of necessity na siyo kwa vile mtu unataka luxury.In the process unapoteza pesa ambazo ungeweza kuweka kwenye akiba. Kuwa na jumba kubwa pia inaweza ikawa ni out of necessity - maisha ya kiafrika na extended family inajulikana.Kwa kifupi kuwa watu wanatumia pesa nyingi sana siyo ati kwa vile wanapenda bali ni kutokana na ulazima.Hakuna miundo mbinu ya kumfanya mtu mwenye hela yake kidogo kuishi maisha simple kama ya kununua flat ndogo katika eneo zuri au kutumia usafiri wa umma badala ya kuchoma mafuta ya gari kwa safari za kawaida za kwenda kazini.Nchi nyingine inawezekana kabisa.

Ukiwa na hela yako kidogo Tanzania, inaishia kutatua practical needs badala ya kuweka akiba.Frugality inawezekana lakini siyo wakati wote.

WomanOfSubstance said:

Kwa kifupi kuwa watu wanatumia pesa nyingi sana siyo ati kwa vile wanapenda bali ni kutokana na ulazima

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Walevi wanaounguza pesa zao kwenye mabaa na kwenye mavilabu hufanya hivyo kwa ulazima gani?

Na kutumia pesa kwenye mambo ya ulazima si "wasteful spending". Kama huwezi kuweka akiba basi hiyo ina maana wewe mazingira yako hayakuruhusu kufanya hivyo. Lakini pale yanapokuruhusu na wewe unaishia kutumia hela zako hovyo hovyo tu bila kuweka akiba, hiyo ndiyo "wasteful spending".

If frugality is intended to achieve filthy richness as the primary goal - then I think the frugality is misguided. But frugality aimed at saving something for the rainy day or retirement is indeed logical and essential.

Many Tanzanians do not save because their incomes are too low, so there is nothing to save.

But there are also many Tanzanians who could save something regularly and make their retirement a bit more comfortable/financially secure, but they don't do it. The saving culture among such people needs to be encouraged.

Nyani Ngabu said:

Walevi wanaounguza pesa zao kwenye mabaa na kwenye mavilabu hufanya hivyo kwa ulazima gani?

Na kutumia pesa kwenye mambo ya ulazima si "wasteful spending". Kama huwezi kuweka akiba basi hiyo ina maana wewe mazingira yako hayakuruhusu kufanya hivyo. Lakini pale yanapokuruhusu na wewe unaishia kutumia hela zako hovyo hovyo tu bila kuweka akiba, hiyo ndiyo "wasteful spending".

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Hapo kwenye bold..hebu tupajadili kidogo.....
Baada ya kazi na majukumu, mtu nategemewa upumzishe akili kwa kufanya shughuli za burudani kama vile michezo na hata mazoezi ( golf, tennis, squash, kwenda gym etc hufanyika zaidi huko ughaibuni..bongo pia zipo lakini ni kwa watu maalum).Ungeweza hata kusema usiende gym au kucheza michezo expensive na badala yake utembee tu.... utatembea wapi ndugu yangu ilhali njia zenye siyo salama?

Ukiangalia TZ, viwanja vya michezo kwanza vilishavamiwa na kuuzwa - havipo. Ukirudi nyumbani kuna kero zake lol... unakaa nyumba ya kupanga na watu kibao mmejisqueeze kwenye vyumba na siyo hata nyumba. Kwa wenye nyumba, hadi ufike nyumbani foleni itakuweka masaa kadhaa. Wengi wameamua kushinda vilabuni ambako pesa huteketea.Again point yangu ile ya mwanzo ya ukosefu wa infrastructure ya ku support savings bado ni valid.

Hata hivyo watu wanajiwekea akiba bado - wamewekeza kwenye biashara ndogo na kubwa, wamenunua hisa ( lol), wanapeleka watoto wao shule nzuri kuondokana na utegemezi, nk.

pmwasyoke said:

Many Tanzanians do not save because their incomes are too low, so there is nothing to save.

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No argument here

But there are also many Tanzanians who could save something regularly and make their retirement a bit more comfortable/financially secure, but they don't do it. The saving culture among such people needs to be encouraged.

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That's my whole point. If your circumstances allow you to have a tidy little nest egg, why not do it? Why go and waste money on things that you don't really need?

WOS bado zipo njia za vya kubana matumizi hapa na pale hasa kwa wale wenye uwezo mkubwa.

ngoja tuangalie katika mazingira hayo uloyataja.....

Baada ya kulazimika kununua hiyo nyumba kubwa, basi tenga angalau kona ndogo ya uwanja wako wa bustani kupanda mboga mboga na hata migomba miwili mitatu kuokoa pesa ya matumizi ya chakula.

Kama ulilazimika kuwa na gari yako, fanya trips za sokoni (sio lazima super market kwa kuwa sokoni ni bei nafuu zaidi) mara moja kwa mwezi au mara mbili kupunguza idadi ya safari za manunuzi na kuchoma mafuta kusikokuwa na ulazima.

asilimia 10 ya bili yako ya umeme inasemakana inatokana na vitu vilivyoko standby......zima kabisa na punguza matumizi ya mwanga wa artificial wakati wa mchana ( tatizo hili watanzania wengi tunalo).

nafikiri ziko njia nyingi tu ambazo tunaweza kupunguza gharama ya matumizi yetu.

Gaijin said:

WOS bado zipo njia za vya kubana matumizi hapa na pale hasa kwa wale wenye uwezo mkubwa.

ngoja tuangalie katika mazingira hayo uloyataja.....

Baada ya kulazimika kununua hiyo nyumba kubwa, basi tenga angalau kona ndogo ya uwanja wako wa bustani kupanda mboga mboga na hata migomba miwili mitatu kuokoa pesa ya matumizi ya chakula.

Kama ulilazimika kuwa na gari yako, fanya trips za sokoni (sio lazima super market kwa kuwa sokoni ni bei nafuu zaidi) mara moja kwa mwezi au mara mbili kupunguza idadi ya safari za manunuzi na kuchoma mafuta kusikokuwa na ulazima.

asilimia 10 ya bili yako ya umeme inasemakana inatokana na vitu vilivyoko standby......zima kabisa na punguza matumizi ya mwanga wa artificial wakati wa mchana ( tatizo hili watanzania wengi tunalo).

nafikiri ziko njia nyingi tu ambazo tunaweza kupunguza gharama ya matumizi yetu.

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Thanks Gaijin.. natamani ujumbe huu ungewafikia wanawake wengi zaidi maana mambo yangebadilika na kuleta mafanikio. Nimekumbuka usemi wa Margreth Thatcher "If you want something said, ask a man; if you want something done, ask a woman."... akina mama wangepata ujumbe huu wangeufanyia kazi vizuri sana.

WomanOfSubstance said:

Hapo kwenye bold..hebu tupajadili kidogo.....
Baada ya kazi na majukumu, mtu nategemewa upumzishe akili kwa kufanya shughuli za burudani kama vile michezo na hata mazoezi ( golf, tennis, squash, kwenda gym etc hufanyika zaidi huko ughaibuni..bongo pia zipo lakini ni kwa watu maalum).Ungeweza hata kusema usiende gym au kucheza michezo expensive na badala yake utembee tu.... utatembea wapi ndugu yangu ilhali njia zenye siyo salama?

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Hapo ndiyo mtu unatakiwa kuwa resourceful. Mimi nakumbuka hapo kitambo kidogo wakati kulikuwa hakuna gym bongo watu tulitengeneza gyms zetu wenyewe. Tulitumia flywheels za magari, makopo ya rangi yaliyojazwa simenti/zege, n.k. na tulipiga tizi kama kawa. Pia kuna open spaces kibao. Kuna viwanja vya mpira n.k.. Kwa nini usiende huko kukimbia laps kadhaa? Kuna hatari gani kwenye viwanja vya mpira au open spaces zingine? We made lemonade out of lemons!!! We (me and my friends) didn't hang out at the bars all the time. If we did it (made lemonade out of lemons) then I don't see how others can't do it. Kushindwa ni uvivu tu wa kufikiria njia mbadala za kufanya mambo.

Ukiangalia TZ, viwanja vya michezo kwanza vilishavamiwa na kuuzwa - havipo.

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Hii ina ukweli kiasi. Lakini bado open spaces zipo nyingi tu. Mbona mimi naendaga kukimbia...nina sehemu yangu mwenyewe. Ukiwa resourceful huwezi kushindwa kitu bana.

Ukirudi nyumbani kuna kero zake lol... unakaa nyumba ya kupanga na watu kibao mmejisqueeze kwenye vyumba na siyo hata nyumba. Kwa wenye nyumba, hadi ufike nyumbani foleni itakuweka masaa kadhaa.

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Ukweli ni kuwa si kila mtu mazingira yatamruhusu kwani hata majuu nako ni hivyo hivyo. Kuna watu hawana muda kabisa. Na hayo ya foleni unayoyazungumzia wewe ni Dar tu. Huko kwingine hakuna congestion. Kwetu Ikungulyabashashi open spaces kibao....lakini you'd be hard pressed to find anyone working out besides myself :becky:. Mimi hoja yangu kuu ni kama mazingira yako yanakuruhusu kwa nini usifanye mambo yaliyo chanya?

Wengi wameamua kushinda vilabuni ambako pesa huteketea.Again point yangu ile ya mwanzo ya ukosefu wa infrastructure ya ku support savings bado ni valid.

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Kushinda vilabuni ni lame excuse. Mtu anayefanya kazi chuo kikuu kwa mfano na anaishi Makongo au Savei au hata Ubungo anaathirika vipi na congestion? Ukiniambia mtu anayefanya kazi mjini na anaishi Mbezi beach huko hapo nitakuelewa. Lakini kuna watu wengi tu ambao mazingira yanawaruhusu lakini bado hawana utamaduni wa kutumia pesa zao kwa busara.

Hata hivyo watu wanajiwekea akiba bado - wamewekeza kwenye biashara ndogo na kubwa, wamenunua hisa ( lol), wanapeleka watoto wao shule nzuri kuondokana na utegemezi, nk.

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See now, it can be done somehow/ someway if one puts their mind to it.

Gaijin said:

WOS bado zipo njia za vya kubana matumizi hapa na pale hasa kwa wale wenye uwezo mkubwa.

ngoja tuangalie katika mazingira hayo uloyataja.....

Baada ya kulazimika kununua hiyo nyumba kubwa, basi tenga angalau kona ndogo ya uwanja wako wa bustani kupanda mboga mboga na hata migomba miwili mitatu kuokoa pesa ya matumizi ya chakula.

Kama ulilazimika kuwa na gari yako, fanya trips za sokoni (sio lazima super market kwa kuwa sokoni ni bei nafuu zaidi) mara moja kwa mwezi au mara mbili kupunguza idadi ya safari za manunuzi na kuchoma mafuta kusikokuwa na ulazima.

asilimia 10 ya bili yako ya umeme inasemakana inatokana na vitu vilivyoko standby......zima kabisa na punguza matumizi ya mwanga wa artificial wakati wa mchana ( tatizo hili watanzania wengi tunalo).

nafikiri ziko njia nyingi tu ambazo tunaweza kupunguza gharama ya matumizi yetu.

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Unaona sasa....ndio maana nimesisitiza kuwa ni muhimu kuwa resourceful. Angalia mazingira yako, yafanyie tathmini, na ukikuna kidogo tu kichwa chako utapata njia za kubana matumizi. Sasa kubana kwako matumizi siyo lazima kufanane na kwangu. Ndiyo maana nikasema maumizi ya busara za kawaida yatakufikisha mbali katika malengo uliyoyapanga.

QUOTE=WomanOfSubstance;1078557]Thanks Gaijin.. natamani ujumbe huu ungewafikia wanawake wengi zaidi maana mambo yangebadilika na kuleta mafanikio. Nimekumbuka usemi wa Margreth Thatcher "If you want something said, ask a man; if you want something done, ask a woman."... akina mama wangepata ujumbe huu wangeufanyia kazi vizuri sana.[/QUOTE]

WOS

Wanawake wako katika nafasi kubwa sana ya kupunguza matumizi hata kuliko wanaume......


Badala kila ukitaka kufanya conditioning ya nywele kwenda saloon kuwekewa za kiwandani, kwa nini usichukue parachichi lako ( au vitu vyengine kama hinna) ukafanya mwenyewe nyumbani angalau ukapunguza pesa ya salon kwa mara moja kwa mwezi au miezi miwili? :smile-big:

Utashangaa kuona katika nchi zilizoendelea angalau kila mtaa au mtaa wa pili kuna duka la kufanya repair ya viatu na handbags licha ya kuwa raia wana pesa ya kuwatosha na kubaki, kwetu matunzo ya viatu au handbags ni madogo na kikiharibika kidogo mtu ananunua kipya.