Hivi laki 2 na nusu itanitoa kimaisha nikisave kwa mwezi?

[Mokoyo]

topic nzuri sana, nimeipenda maana inatufaa sana sisi waajiriwa hasa wa sekta binafsi

 

[Topical]

Watu wote wenye nyumba saving zao kwa mwezi chini ya 30,000/- sembuse 250,000/- Mkuu?

Inategemea unataka kujenga wapi? nyumba aina gani?

Pesa hazijengi ila akili na maarifa kwanza, in short my lord wewe ni Tajiri

Sisi tunaofanya biashara ya mchele mtaji 400,000/- na nyumba kibao? lakini kwetu mbagala

 

[Prime Dynamics]

Mkuu hutakiwi kufikiria mara mbili. unatakiwa kuanza sasa hivi na sio leo au baadae!, tena ningekushauri fungua fixed account. Remember Cash is power. alafu kama unajua umeajiriwa iko siku utaacha hiyo kazi so make sure you do what is necessary.

 

[Smarter]

Hashycool I can try to see your point here, pleae naomba unitoe Matongo tongo hapa, what do you mean Pal?

narudia tena..A bank is a place that will lend you money if you can prove that you don't need it.....akili kumkichwa....laki mbili pesa ya kaunta!

 

[Nyumbu-]

....Brother kutumia kadiri upatavyo ni hulka ya binadamu yeyote yule.....na ofcourse ipo hiyo hata kwenye msingi ya uchumi! Mambo ya propensity to save /consume etc....na matheory kibao ya DD/SS!

Ngoja niache hii mambo ya economics.....! kuna mambo binafsi ninayofanya sikuyasema hapo juu.......! Pointi yangu ilikuwa kusave cash kila mwezi kutoka kwenye mshahara ni ngumu mno mno......ndo maana hata kwenye business, ukishauza bidhaa...hela unachukulia mzigo mwingine etc etc! Sasa kwa ss tunaokinga madirishani kila mwezi, kama nilivosema ni ngumu kuweka hela eti kila mwezi, ila unachoweza kufanya...kama unamshahara mdogo, ni kuchukua mkopo bank then unanyia kitu cha muhimu mara moja........! kama unapata mshahara mkubwa unapaswa uwe na ongoing projects....such that inavoingia pesa, tayari inakuwa allocated kwenye projects bila kuchelewa!

Hao wanabadilisha life styles kwa kuwa na kipato kikubwa, hawana projects zozote, they don't plan for the future....what if huo mshahara wako unapata kesho ukakatika kwa kufutwa kazi, ulemavu etc? so the only way to save money ni kuinvest in any way......!

Next Level,
Sijajua wewe ni Mtz wa asili gani. Ila napenda kutofautiana nawewe kidogo katika hili kwa kutoa mfano wa wenzetu Waasia. Wao hawakurupuki kwa vimradi vinavyokwangua kila savings zao. Mara nyingi hawabadili life stail, na wanapokuwa vijana huchangia hata kodi ya chumba (siyo nyumba), kwa kuishi kigheto vijana wanne au zaidi.
Huajiri yaya mmoja wa kuwafulia au kupika. Na hula vyakula vya asili na cheap kama mihogo ya kuchoma, chapati nk. Hivyo kwa kufanya hivyo husave asilimia kubwa ya mishahara yao, na hutumia kila savings ambayo ni endelevu Bank ili kupata hata kama ni 2% interest.
Bado watatumia simu za bei ndogo na kutumia kila promotion itakayojitokeza positivelly. Hii inawafanya wawe liquid wakati wote , ila pesa yao itabaki Bank ( Narudia tena itabaki Bank).
Hiyo pesa hawataidraw hata afe nani, yake ni yake tu. Sasa tatizo letu sisi wabongo weusi ni kwamba hatujiamini kusave ,hivyo hukimbilia kununua fixed assets ambazo hutacha bila savings za kuendesha hiyo miradi.
Wengi hujenga nyumba ili upangishe; mara ununue bajaji, mara uchukue mashine ya kufyatua matofali, ili mradi vimradi vinakwangua pesa yote bank. Matokeo yake ni vibioashara hivyo kufa kwa kukosa umakini na muda wa kuvisimamia. Kumbuka kuwa Miradi hiyo huanzishwa ukiwa kazini: Na mradi wowote bila personal supervision inapoanza, hesabu ni hasara!
Ukitaka kujua ubaya wa kupeleka kila unachopata kwenye vimradi vya chap chap ni kwamba, siku kazi yako ikikatika ghafla, na wewe unajikuta huna cash...na bila working capital hiyo miradi yako itakufa with few months ya wewe kupoteza kazi.
Tofauti ya Waasia kwa hapo ni kwamba, by the time anapoteza kazi, atakuwa na liquid cash aliyoisave kwa kipindi kirefu. Hiyo lazima itakuwa nyingi na hata akianzisha kaduka kake, katakuwa kakubwa na atakasimamia vizuri, maana muda anao.
Kwa Mbongo, ukipoteza kazi tu, na umsikini siku hiyohiyo. Utakimbia kimbia na vi NSSAF baada ya miezi sita huku uko hoi! Matokeo yake unaweza kukubali ajira chini ya nusu ya msdhahara uliokuwa unaupata.
In this case, na insist on savings while you work!

 

[Nyumbu-]

Akimpata Mrombo ndani ya miaka mitatu watamiliki nyumba na kuwa na biashara nje ya ajira yake.

Na akimpata Mdigo, ndani ya muda huo atakuwa jela kwa madeni!

 

[Nyumbu-]

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Kalagabaho!

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[Nyumbu-]

Ushauri wa kuchukua mkopo toka benki yoyote upo sawa.ila kabla ya kufanya hivyo tengeneza mchanganuo wa kibiashara yaani business plan,ukiweka uwiano wa mapato yako ya sasa(mtiririko wa fedha-cash inlows),na matumizi yaani,gharama za ujenzi wa nyumba hiyo,riba ya mkopo (interest expenses) na marejesho ya mkopo mkuu wa kila mwezi,yaani mtiririko wa matumizi -cash outflow).mwisho pima mapato mbadala ya nyumba hiyo,yaani ya kuishi wewe au kibiashara na ni shilingi ngapi utapata kama utapangisha nyumba hiyo kwa bei ya soko (market rent versus economic rent).kumbuka mkopo kama mkopo haulipiwi kodi ya mapato.tunakutakia kila la heri ktk mchakato huo.

Mkuu,
Kuanzisha Biashara kutokana na loan sishauri. Loan inatakiwa ichukuliwe kuendeleza Biashara, na si kuanzisha.
Bank nying hukopesha loans kwa asilimia kuanzia 20% kwenda juu. Lakini ukiangalia retail business nyingi profit margin yake ni 10%. Huoni kwamba hiyo biashara itakufa kwa kulipa 10% more than you earn in profit?
Ni wazo tu!

 

[Kweli]

Hongera kwa kuweza kusave,,,,,,,,,,,yaani mimi siwezi kabisa ata sijui napata sh ngapi kwa mwezi nikiangalia exl ya mapato na matumizi yangu nafunga program maana inafika mara nyingine 2000000,,na mfukoni sina hela,,,,,,,,,,,,,kilichoni saidia nilichukua hela mahali kwa mtu,,,kama 2000000,,, nikanunua photocopy mashine nikaweza kuilipa ile hela nikaamini mikopo inasaidia kwani kuweka hela inahitaji roho ngumu kama mchaga kushinda na njaa alafu mfukoni una hela

Mkuu hili ni tatizo la wengi, zaidi huko nyumbani Tanzania, wengi wetu wanapoteza uongozi wa pesa "Loosing financial control"
Katika maisha ili kutoyumba kifedha inatakiwa walau uelewe misingi ya usimamizi wa fedha " Money management" Sio lazima upitie darasani katika hili, ila unaweza kumtafuta mtu ambaye amepita huko na amefanikiwa na umuombe akupe darasa jinsi aliwezaje ku-manage hela mpaka kufikia hapo alipo? bila shaka atakusaidia.
Ila mimi nitakueleza sababu kubwa ni kwamba "unatumia zaidi ya mapato yako ya wiki/mwezi/mwaka"
Ikiwa huweki kumbukumbu ya kila senti ambayo umeingiza kwa wiki na kila senti ambayo umetumia katika wiki hiohio basi lazima huko mbele utajizonga tu na kupoteza control ya fedha yako, nitakueleza very simple equation inayotumiwa na biashara zote ndogo/kubwa na watu wa kawaida vilevile ambao wako na control ya hela zao nayo ni: "Spending shouldn't exceed the earning"
Utakuta mtu ana biashara ya wastani wa millioni 15 kwa mwezi ambapo faida pengine ni wastani 10% (milioni moja na nusu) lakini bado anahangaika na madeni, unajiuliza kwa maisha ya kawaida Tanzania matumizi wastani laki tano kwa mwezi, alitakiwa awe na savings ya walau laki 8 kwa mwezi baada ya kutenga laki 2 kwa ajili ya hela ya emergency lakini matokeo yake hela yote hajui wapi inakwenda kwa sababu huyu mtu yeye anaangalia faida tu ambayo ameingiza kwa huo mwezi lakini ukimuuliza ni kiasi gani exactly ametumia katika huo mwezi haelewi?
Kiuhalisia kwa vile haweki rekodi na hajui mambo ya bajeti utakuta ni rahisi kwa huyu mtu kutumia zaidi ya mapato, ukifanya mchanganuo 1.5 Mil = elfu 50 kwa siku hapo kama atapanga bajeti yake vizuri anatakiwa ale elfu 20 kwa siku lakini utakuta huyu mtu pengine anatumia wastani wa elfu 60 kwa siku. Na ndio utaona kila siku anafanya biashara na faida aningiza ila madeni hayaishi sababu simple hana bajeti na anatumia zaidi ya kile anachoingiza.
Dee Ward Hock huyu bwana ni kati ya waanzilishi wa Visa Credit card kiufupi alipoanzisha hii kadi alitaka kuipa jina la Hock Card lakini akaona haitokuwa na soko kwa jina la Hock limekaa kimitego, huyu bwana aliacha kutumia kadi za Visa kitambo pamoja na kuwa yeye ni Millionea na ni muanzilishi alipoulizwa kwa nini alisema "I had no wish to be in debt, I vowed I would never again be in more debt than I had cash in the bank."
Waingereza wana ule msemo maarufu wa Wilkins Micawber ambao unajulikana kama Micawber Principle:
"Annual income £20, annual expenditure £19.19s. 6d, result happiness. Annual income £20, annual expenditure £20. 0s. 6d, result misery."
Unapotumia zaidi hata kwa vijisenti juu ya kile unachoingiza mwisho wake ni huzuni tu.

 

[Kweli]

Mkuu naona umesahahu kuwa kama ataendelea kuweka hii pesa Benki polepole pia thamani ya hiyo pesa inashuka kila mwaka na kumpunguzia uwezo kufanya mambo. Mkopo sio mbaya kama unavyodhani ila ni jinsi ya kuu-manage tuu ndio panapotoa tafsiri kama mkopo ni mbaya au mzuri. Naona watu wengi wanamshauri achukue mkopo na kufanya investment ya mara moja badala ya kusubiri akiba ikae miaka minne kama unavyomaanisha ndio aanze project. Kama akitegemea kuweka akiba tuu along the way kuna matatizo , sherehe , nk ambavyo vinaweza mtibulia mambo akatumia akiba yake kiasi. Naona njia ya kumsaidia ni kuwa na plan nzuri na kuchukua mkopo, kufanya investment ya kumuingizia fedha. Akifanya investment nzuri badala kuwa anatoa ile 250K kulipia mkopo mapato ya ile investment yanaweza kuwa yanatoa hiyo pesa ya kulipa mkopo na riba yake na yeye akaendelea kusave hiyo 250K inayotokana na mshahara wake.

Kushuka kwa thamani ya shillingi, anaweza kufungua akaunti ya Dola, narudia kusema wazo la mkopo wa benki sio zuri kwa sababu kulipia bank interest ni kujinyima kiwango cha kujisevia. Labda Mortgage sawa ila mkopo as mkopo haufai. Tatizo letu sisi watu weusi tulio wengi ni kuwa na malengo ya muda mfupi na hili sio Bongo tu, hata tulio nje, mtu ukianza kumpangia hesabu ya miaka 10 ama 15 mbele anaona ni mbali mno atakuletea mambo ya Mungu na uhai mfupi etc, lakini wenzetu hasa Wazungu wanafanikiwa kwa vile wanakuwa na long terms plans kuanzia utotoni mtu anaanza kupanga mambo ya miaka 30 mbele kuanzia, ujana, kazi, mortgage, retirement, kupata watoto, elimu nk.
Hii laki mbili na nusu ($200) wafanyakazi wengi hata huku nje hawamudu kujisevia. Na nakuhakikishia akianza kumudu kusevu kwa muda miezi sita hii hela ikifika millioni 3 automatic ataongeza juhudi na kujisevia zaidi pengine laki 3 kwa mwezi, Hii ya kujisevia ni culture (utamaduni) wa kigeni kidogo kwetu lakini unapokukolea ( when you get the hang of it) inakuwa uteja mzuri sana.
Nina personal experience katika hili mimi mwenyewe na pia nilimsaidia rafiki yangu ambaye anapata income kubwa zaidi yangu lakini madeni yalimzonga na sasa (2 years later) yuko huru na madeni na stable kifedha, nikipata muda nita-share hapa