*MONEY MISTAKES*
[HASHTAG]#MoneyMistakes[/HASHTAG]: 1.
Never borrow money with interest to start a business (except for salary loans); only borrow to grow your business. This is because business takes a long time to gain ground and begin making profit yet for most of the loans you begin paying back a month later or even earlier. Hence, never borrow to start a business expecting that business to be the one to pay back the borrowed money plus the interest.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 2.
Never spend money you haven't received. Don't even promise someone money based a promise you have from someone else. Don't hear somebody say, "Ezra come to my office tomorrow at 9am and pick 2m" and you go buy items on credit hoping to clear when the promised money comes.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 3.
If u want to ever save, whenever u receive money ensure you don't start spending before removing the savings hoping that you'll save what remains. Normally what remains is zero because as long as money to spend it available what to be spent on is also available. And things to spend on even incite their 'relatives' while when money to spend is not available we naturally find a way of managing.
MoneyMistakes 4
When you get an opportunity to meet a very wealthy person never ask for money. Ask for ideas on how to make money. They can even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 5
Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especiallymafter retirement. When you save, your savings are seed; plant it. When you just keep it some seeds begin to die (eaten by inflation and the likes).
That's where I recommend that you read about the different types investment vehicles you can use to grow savings. I am not necessarily talking about putting the money in a business because you can easily lose money on a business. I am talking about putting it in an investment.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 6.
Never lend someone money you are not willing to lose. By the time you lendmmoney, be contented in your heart that should the person not pay, you will not die with the money. You should not even lose the person as a friend. If you find the person can fail to pay you and you remain as usual, then lend. If you find you would even hate the person's entire clan, please advise the person to go to the bank.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 7.
Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money. Do I have to explain that one? No. It's self explanatory.
=============KWA WATUMIAJI WA KISWAHILI==============
dmorigo post :
MAKOSA KATIKA PESA__
[emoji383]MONEY MISTAKE 1
Usikope pesa ya riba ili uanzishe biashara. Usitegemee pesa ya mkopo kuianzishia biashara, upate faida kisha uirudishe pesa ya mkopo na riba yake.
[emoji383]MONEY MISTAKE 2
Usitumie pesa ambayo bado haipo mikononi mwako. Wala usije ukamuahidi mtu kumpa pesa ambayo umeahidiwa mahali fulani. Kama kuna mtu kakwambia, Flan njoo kesho nikulipe deni lako" Basi wewe usiende kukopa vitu kadhaa dukani au hata kumuahidi mtu mwingine kumpa pesa ambayo na wewe umeahidiwa. Ni kosa. Unaweza kuingia kwenye matatizo.
[emoji383]MONEY MISTAKES 3
Kama unataka kuhifadhi/kutunza pesa, kila unapopata pesa usianze kuitumia kwanza kisha ukategemea kutunza kiasi kitakachosalia. Hivyo basi, ukipata tu pesa, weka pembeni kiasi unachodhani kinafaa kutunzwa/kuhifadhiwa kisha tumia kiasi kilichobaki.
[emoji383]MONEY MISTAKE 4
Ukipata nafasi ya kuonana na mtu tajiri, kamwe usiombe pesa. Omba maarifa ya kutengeneza pesa kama yeye, tena kwa mtaji mdogo. Maarifa ndio mtaji wa kwanza. Unaweza kupewa/kusaidiwa pesa iwapo una mawazo mazuri ya kuzalisha pesa. Baadhi husema, "Omba ndoano, usiombe samaki"
[emoji383]MONEY MISTAKE 5
Usitunze mbegu badala ya kuipanda. Watu wengi hufurahia pesa wanayolipwa/kuipata kisha wanaiweka bank au nyumbani bila kuiwekeza. Wekeza pesa ili uzalishe zaidi. Usiogope kuingia hasara, kila aliefanikiwa alipoteza kwanza kabla hajafanikiwa. Wengi walipoteza muda, pesa, afya na hata matumaini ya kufanikiwa, ila kwa uthubutu wao, mwisho wa siku walifanikiwa.
[emoji383]MONEY MISTAKE 6
Kamwe usimkopeshe mtu pesa ambayo unahisi hatorudisha. Unapomkopesha mtu huyo pesa, jiridhishe mwenyewe moyoni kuwa kama hatoweza kulipa basi deni lake halitoathiri urafiki wenu. Ukihisi kwamba kushindwa kwake kulipa kunaweza kuathiri urafiki wenu, basi mshauri aende bank akakope.
[emoji383] MONEY MISTAKE 7
Usikubali uwe shahidi , tena kwa kusaini kabisa ili umdhamini mtu ambae huna uhakika kuwa atalipa kile unachomdhamini. Kumbuka kuwa, dhamana maana yake utawajibika iwapo atashindwa kulipa.
[emoji383] MONEY MISTAKE 8
Epuka kutembea na pesa nyingi ambazo hata huna matumizi nazo wakati huo. Unaweza kujikuta unafanya matumizi ambayo hayakuwa kwenye ratiba sababu ya ushawishi wa pesa ya mfukoni. Ili kuepuka haya, tembea na pesa uliyopanga kuitumia katika safari yako. Pesa nyingine itunze mahali pengine palipo salama.
[emoji383] MONEY MISTAKE 9
Epuka kutunza pesa mahali pasipo sahihi. Maeneo kama kwenye soksi, sidiria, chini ya mto wa kulalia, chini ya begi, kwenye kopo au hata kwenye begi la safari, si maeneo salama. Ni rahisi kusahau, kuibiwa au kupoteza pesa zako. Ni bora ukatunza pesa kieletroniki; yaani bank au kwenye simu au kwenye pochi yenye kamba ngumu ya kuivaa mabegani au wallet ambayo inatosha kwenye mifuko imara na yenye vifungo kwenye nguo zako hasa uwapo safarini.
[emoji383] MONEY MISTAKE 10
Usitumie pesa kwa kitu ambacho hakikuwa kwenye ratiba yako. Jiulize kwanza kabla hujanunua, "Bila kitu hiki, maisha yataenda au lah? Ukiona maisha yataenda bila kitu hicho, acha kukinunua. Tabasamu kisha ondoka.
[emoji383]MONEY MISTAKE 11
Usiingiwe tamaa kwa kununua kitu ambacho ungeweza kununua kwa bei ya punguzo mahali pengine zaidi. Labda tu uwe una pesa nyingi.
[emoji383]MONEY MISTAKE 12
Matumizi yako ya pesa yasizidi pato lako. Unaweza kuwa una ndoto kubwa/matumizi makubwa ya pesa kuzidi pato lako. Unapaswa kuwa bahili katika matumizi yako. Cheza na pato lako. Fanya matumizi makubwa pale tu pato lako litakapoongezeka. Hii itakuepushia kushindwa kufanya baadhi ya mambo ya msingi na kisha ukajikuta unaishia kwenye madeni makubwa.
[emoji383]MONEY MISTAKE 13
Una ndoto kubwa hapo baadae; labda kujenga nyumba, kununua gari, kununua kiwanja, simu nzuri hata pikipiki. Usikurupuke, ukanunua kitu cha ndoto yako sasa eti tu sababu umekipata kwa bei ya punguzo. Usichanganye kati ya mahitaji ya baadae na ya sasa. Pesa unayotumia kutimizia ndoto sasa itumie kwa mahitaji ya sasa. Ndoto ibaki kuwa ndoto. Hii itakuepushia kuingia katika madeni au kuishi kwa shida sababu ya tamaa. Jipange taratibu kutimiza ndoto yako.
Bila shaka umewahi kufanya moja ya makosa haya. Usirudie kosa. Washirikishe wenzio ili tunufaike sote.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 1.
Never borrow money with interest to start a business (except for salary loans); only borrow to grow your business. This is because business takes a long time to gain ground and begin making profit yet for most of the loans you begin paying back a month later or even earlier. Hence, never borrow to start a business expecting that business to be the one to pay back the borrowed money plus the interest.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 2.
Never spend money you haven't received. Don't even promise someone money based a promise you have from someone else. Don't hear somebody say, "Ezra come to my office tomorrow at 9am and pick 2m" and you go buy items on credit hoping to clear when the promised money comes.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 3.
If u want to ever save, whenever u receive money ensure you don't start spending before removing the savings hoping that you'll save what remains. Normally what remains is zero because as long as money to spend it available what to be spent on is also available. And things to spend on even incite their 'relatives' while when money to spend is not available we naturally find a way of managing.
MoneyMistakes 4
When you get an opportunity to meet a very wealthy person never ask for money. Ask for ideas on how to make money. They can even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 5
Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especiallymafter retirement. When you save, your savings are seed; plant it. When you just keep it some seeds begin to die (eaten by inflation and the likes).
That's where I recommend that you read about the different types investment vehicles you can use to grow savings. I am not necessarily talking about putting the money in a business because you can easily lose money on a business. I am talking about putting it in an investment.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 6.
Never lend someone money you are not willing to lose. By the time you lendmmoney, be contented in your heart that should the person not pay, you will not die with the money. You should not even lose the person as a friend. If you find the person can fail to pay you and you remain as usual, then lend. If you find you would even hate the person's entire clan, please advise the person to go to the bank.
[HASHTAG]#MoneyMistakes[/HASHTAG]: 7.
Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money. Do I have to explain that one? No. It's self explanatory.
=============KWA WATUMIAJI WA KISWAHILI==============
dmorigo post :
MAKOSA KATIKA PESA__
[emoji383]MONEY MISTAKE 1
Usikope pesa ya riba ili uanzishe biashara. Usitegemee pesa ya mkopo kuianzishia biashara, upate faida kisha uirudishe pesa ya mkopo na riba yake.
[emoji383]MONEY MISTAKE 2
Usitumie pesa ambayo bado haipo mikononi mwako. Wala usije ukamuahidi mtu kumpa pesa ambayo umeahidiwa mahali fulani. Kama kuna mtu kakwambia, Flan njoo kesho nikulipe deni lako" Basi wewe usiende kukopa vitu kadhaa dukani au hata kumuahidi mtu mwingine kumpa pesa ambayo na wewe umeahidiwa. Ni kosa. Unaweza kuingia kwenye matatizo.
[emoji383]MONEY MISTAKES 3
Kama unataka kuhifadhi/kutunza pesa, kila unapopata pesa usianze kuitumia kwanza kisha ukategemea kutunza kiasi kitakachosalia. Hivyo basi, ukipata tu pesa, weka pembeni kiasi unachodhani kinafaa kutunzwa/kuhifadhiwa kisha tumia kiasi kilichobaki.
[emoji383]MONEY MISTAKE 4
Ukipata nafasi ya kuonana na mtu tajiri, kamwe usiombe pesa. Omba maarifa ya kutengeneza pesa kama yeye, tena kwa mtaji mdogo. Maarifa ndio mtaji wa kwanza. Unaweza kupewa/kusaidiwa pesa iwapo una mawazo mazuri ya kuzalisha pesa. Baadhi husema, "Omba ndoano, usiombe samaki"
[emoji383]MONEY MISTAKE 5
Usitunze mbegu badala ya kuipanda. Watu wengi hufurahia pesa wanayolipwa/kuipata kisha wanaiweka bank au nyumbani bila kuiwekeza. Wekeza pesa ili uzalishe zaidi. Usiogope kuingia hasara, kila aliefanikiwa alipoteza kwanza kabla hajafanikiwa. Wengi walipoteza muda, pesa, afya na hata matumaini ya kufanikiwa, ila kwa uthubutu wao, mwisho wa siku walifanikiwa.
[emoji383]MONEY MISTAKE 6
Kamwe usimkopeshe mtu pesa ambayo unahisi hatorudisha. Unapomkopesha mtu huyo pesa, jiridhishe mwenyewe moyoni kuwa kama hatoweza kulipa basi deni lake halitoathiri urafiki wenu. Ukihisi kwamba kushindwa kwake kulipa kunaweza kuathiri urafiki wenu, basi mshauri aende bank akakope.
[emoji383] MONEY MISTAKE 7
Usikubali uwe shahidi , tena kwa kusaini kabisa ili umdhamini mtu ambae huna uhakika kuwa atalipa kile unachomdhamini. Kumbuka kuwa, dhamana maana yake utawajibika iwapo atashindwa kulipa.
[emoji383] MONEY MISTAKE 8
Epuka kutembea na pesa nyingi ambazo hata huna matumizi nazo wakati huo. Unaweza kujikuta unafanya matumizi ambayo hayakuwa kwenye ratiba sababu ya ushawishi wa pesa ya mfukoni. Ili kuepuka haya, tembea na pesa uliyopanga kuitumia katika safari yako. Pesa nyingine itunze mahali pengine palipo salama.
[emoji383] MONEY MISTAKE 9
Epuka kutunza pesa mahali pasipo sahihi. Maeneo kama kwenye soksi, sidiria, chini ya mto wa kulalia, chini ya begi, kwenye kopo au hata kwenye begi la safari, si maeneo salama. Ni rahisi kusahau, kuibiwa au kupoteza pesa zako. Ni bora ukatunza pesa kieletroniki; yaani bank au kwenye simu au kwenye pochi yenye kamba ngumu ya kuivaa mabegani au wallet ambayo inatosha kwenye mifuko imara na yenye vifungo kwenye nguo zako hasa uwapo safarini.
[emoji383] MONEY MISTAKE 10
Usitumie pesa kwa kitu ambacho hakikuwa kwenye ratiba yako. Jiulize kwanza kabla hujanunua, "Bila kitu hiki, maisha yataenda au lah? Ukiona maisha yataenda bila kitu hicho, acha kukinunua. Tabasamu kisha ondoka.
[emoji383]MONEY MISTAKE 11
Usiingiwe tamaa kwa kununua kitu ambacho ungeweza kununua kwa bei ya punguzo mahali pengine zaidi. Labda tu uwe una pesa nyingi.
[emoji383]MONEY MISTAKE 12
Matumizi yako ya pesa yasizidi pato lako. Unaweza kuwa una ndoto kubwa/matumizi makubwa ya pesa kuzidi pato lako. Unapaswa kuwa bahili katika matumizi yako. Cheza na pato lako. Fanya matumizi makubwa pale tu pato lako litakapoongezeka. Hii itakuepushia kushindwa kufanya baadhi ya mambo ya msingi na kisha ukajikuta unaishia kwenye madeni makubwa.
[emoji383]MONEY MISTAKE 13
Una ndoto kubwa hapo baadae; labda kujenga nyumba, kununua gari, kununua kiwanja, simu nzuri hata pikipiki. Usikurupuke, ukanunua kitu cha ndoto yako sasa eti tu sababu umekipata kwa bei ya punguzo. Usichanganye kati ya mahitaji ya baadae na ya sasa. Pesa unayotumia kutimizia ndoto sasa itumie kwa mahitaji ya sasa. Ndoto ibaki kuwa ndoto. Hii itakuepushia kuingia katika madeni au kuishi kwa shida sababu ya tamaa. Jipange taratibu kutimiza ndoto yako.
Bila shaka umewahi kufanya moja ya makosa haya. Usirudie kosa. Washirikishe wenzio ili tunufaike sote.
