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Wednesday, October 19, 2011

How To Save......

 

Hello,

Umeamkaje? Jana kwenye gazeti la Citizen top page kulikua na habari kuhusiana na mfumuko wa bei na kua its getting worse. By the end of this year 2011 the inflation itapanda hadi 23%. Kwa wewe na mimi ina maana gani? It basically means kila kitu kitapanda bei!!! The goverment imetuomba you and I kuanza ku save. Manake ukizingatia kua WaTanzania hatuna tradition ya ku save, inakua taabu tupu. Inabidi tujifunze hata kama ni shilingi elf 10 tu kwa mwezi ambazo unajihakikishia kua hutozigusa...
All in all lazma tuanze jambo kama hili tukiwa wadogo - ila tusi blame wazazi (baadhi) kwa kutotufunza ku save. Maanake hii ni tabia unakua nayo.



Anyway, tunaweza kuanza hata now kujifunza ku save.. Its not too late..

 

  • Usitumie zaidi ya  kipato chako. Kuna msemo "Champagne Taste on a Beer Budget" - watu kibao tu wanatumia more money zaidi ya kipato chao... Tunajijua..Kisha ukizingatia kwenye mshahara wenyewe unakatwa PAYE, NSSF au PPF, Bank Loan etc hela inayobaki inakua finyu. Kisha hiyo hiyo ilobaki you want to live a more lavish life than you can afford. Inakua ngumu... Kwa hiyo ni muhimu sana kupunguza unncessary spending. au labda uombe kuongezwa mshahara! heheheh! As if!!!
  • Jilipe wewe kwanza. Kuna a Financial expert anaitwa David Bach, muandishi wa kitabu Start Late, Finish Rich  anatuambia wote tusing'ang'anie sana kwa kuandaa “family budget”  kwa sababu moja tu: It doesn’t work- Na kama ingekua ina work basi wote tungeitumia na wote tungekua rich.  According to Bach, as long as tuna save asilimia kadhaa ya mshahara wetu kila mwezi, jinsi tutavyotumia kinachobaki doesnt really matter.Hiyo unayosave ndo unajilipa manake kinachobaki si inabidi utumie kununua other stuff? 
  • Usiige majirani/marafiki. Sawa, your neighbour au rafiki and bonge la swimming pool, jacuzzi, Range Rover 2 na Hummer 3, but maybe ana bongeee la mkopo huko Bank! Analipia kwa kugugumia. Usi ggive in into social pressure - yanakuwa yaleyale "Ooh Flani kapelekwa Dubai shopping na mumewe na mie lazma nipelekwe" Dont... Its very silly. Angalia mfuko wako...
  • Lipa madeni yako. Kwa mf. Bank loan, mkopo wa gari kwenye Yard/Show Room. Ili usijilimbikizie madeni mengi, utaumbuka bureee...  

General Spending

  • Save kwenye kununua gari - instead of a brand new car in a showroom - kwa nini usinunue second hand? Mind you hata kama umenunua a brand new car - ukitoka nalo to showroom its value starts depreciating.  Baada ya mwaka 1 au 2 - value inashuka even more.. Huwezi kuliuza kama ulivyolinunua... You've saved kama umenunua second hand... :) 
  •  Nunua DVD's, CD's vitabu na vifaa vya sports vya mtumba. You'll save.  
  • Gucci, Prada, YSL, Christian Dior, Baby Phat etc... Nguo, mapochi, scarves, saa za hao designers ni expensive!!!!! Kama unataka kuvaa nguo za designers - nunua za mtumba! Nguo haziongezeki value hata siku moja - hua zina depreciate.. today a style - kesho? Heheheheh... "Oohh nataka nivae gauni la Prada kam Kim Kardashian" Those celebrities wanalipwa to wear those clothes!!! Na pia hizo nguo sometimes wanapewa bure!!! Ili wewe ukiwaona hao celebrities wamevaa utakimbia to shops to buy the same!

                                                              

PS. For you to save more - usinunue nguo, viatu handbags karibia na sikukuu kubwa kubwa kama vile - Chrismass, Eid, Pasaka... Kua unafanya window shopping kila wakati ili watapofanya Clearance sale uwe wa kwanza kujua and that way uta save more... Na pia kuzunguka huko kutakusaidia wewe in comparing prices...

Savings

  • Saving Money ni tabia chanya, sio hasi. Wazazi wanao save pesa automatically wanao pia will be good savers. Tabia can turn kua addiction - sio mbaya ukawa addicted to saving na kushuhudia pesa zako zikiongezeka.
  • SAve shilingi 100 kwa kila elf 1 unayopata. Iwe your rule kabisa - mambo ya 10%. Jaribu kufanya hesabu kama ungesave shilingi 100 kwa kila elf 1 ambayo ulishawahi kuwa nayo ungekuwa na hela ngapi now?  
  • Kuwa na Emergency Fund yenye thamani ya miezi 3 ya mshahara wako. Hii inakua in case of kuumwa, accident au kuachishwa kazi, unakua una hela yako pembeni tayari tayari.

 Kumbuka...

  • Pesa ni Important, but sio kila kitu. Afya na furaha ni vitu important zaidi in life, but haimaanishi kuwa uwe mjinga with your money.  Fighting and wasiwasikuhusu pesa wont solve matatizo na kiukweli inaweza kuharibu kabisa afya na furaha yako! Tayarisha plan yako, malengo and focus kisha utanambia! 

                          You know what - acha na mie nifuate my own advice.. Im starting to seriously save.. Who's with me?

siku njema wapendwa,
xoxo                      

2 comments:

  1. Asante sana Barbra mimi ni mmoja wa tunaotumia pesa bila mpangilio mpaka familia inashangaa, but today I learn something

    ReplyDelete
  2. Asante sana kwa hii article kwa kweli nimekupata vizuri kuanzia leo ntajitahiji kwenda na hesabu za matumizi

    ReplyDelete

 

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