TABIA MBAYA KUMI ZINAZOFANYA USHINDWE KUWA NA AKIBA "SAVINGS"....HATIMAE UNAKOSA MTAJI WA KUFANYA MAMBO YAKO...
1.Unanunua nguo bila mpangilio..
Kuna with wana nguo kama duka. Plz Kuwa na nguo chache Tu huwezi kushindana na fashion.
2.unanunua Viatu bila mpango.
Viatu pia vinameza savings zetu. Nunua pea chache zenye ubora ili zidumu.
3.unatoa ofa bar bila mpango.
Nenda bar kwa bajeti mahususi. Hakuna atakae kusifia kwa kutoa ofa hovyo. Kila mbuzi ale kwa urefu Wa kamba yake. Jifunze ubepari.
4.unatumia hela nyingi kwenye simu ambazo sio productive. Unaweka vifurushi vya week vya sh 7000 au 1000 ili uchati na marafiki Fb au wasaap Huo ni ujinga. Badilika.
5.unakopa hela banki na kununua vitu kama simu ya milioni na gari ambazo sio productive. Unakosa hela hata ya mafuta, gari la nini kwanini usingewekeza sehemu ili kuwe na mradi Wa kuzalisha ndio ununue gari?
6.una marafiki wengi ambao ni mizigo kwako au hamuendani kivipato hivyo unajikuta unalazimika kutumia zaidi ya kipato chako ili uwa-impress. Meneja Wa TRA na mwalimu Wa sec unatarajia utoe offer mpaka umfurahishe meneja? Utabaki na sh ngapi toka kwenye salary yako?? Zinduka.
7.huna timetable ya kudumu ya maisha yako, unajikuta unaburuzwa Tu na maradiki zako kwa kwenda sehemu mbalimbali za matumizi.
Kuwa na ratiba za maisha yako na zisimamie kikamilifu, usiburuzwe!
8.una michepuko inayokutegemea we we kwa kila kitu. Wanakuita ATM we we unakenua Tu huzinduki. Badilika.
9.una huruma sana kuliko kipato chako. Yaani kila ukiombwa unatoa hata kama muombaji hana genuine need. Usiwe mkristo kuliko Yesu. Fanya hivyo kama ni lazima. Ila sio kila anaekupiga mzinga unapigika.
10.unatembea na hela nyingi kwenye wallet au mshahara wote kwenye wallet au nyumbani kwako. Unapokuwa na petty cash nyingi unatengeneza mazingira ya kutumia hovyo. Jifunze kuweka hela benki. Tembea na hela Tu unayoihitaji kwa matumizi ya lazima.
Naamini tukizingatia kanuni hizi kumi tutaongeza savings zetu na kuwa na mtaji Wa kufanya vitu vikubwa endelevu.
Anza sasa...badilika...zikiwa nyingi nitumie sh elfu moja Tu.
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