```Bajeti ni mpango wa kukusaidia kupangilia matumizi yako na uwekezaji wako kutokana na mapato yako!```
```Bajeti hasa huweza kukusaidia kujua matumizi yako ya siku, mwezi hadi mwaka na miaka mpaka mi 5 kama unaweka record!```
```Ndio maana suala la bajeti sio la kufanya kwa kichwa! It must be a written one! Lazima uandike chini ili uweze kutrack matumizi yako```
*Kupanga bajeti ni kitendo cha kuielekeza pesa yako iende wapi ikifika badala ya kubaki kushangaa pesa yako imeenda wapi*
```Nimekutana na baadhi ya watu wanasema "Nilipata hela lakini hata sijui imeishaje na imeenda wapi"```
```Wengine husema ni chuma ulete anakula pesa yao kumbe ni kukosa kuishi kwa bajeti!```
```Kama ulikuwa hupendi hesabu kwakweli hesabu ya hela yako inaenda wapi huwezi kuikwepa kama unatafuta uhuru kifedha!```
```For beginners
Kama ndio unaanza kufikiri suala la kuweka bajeti ni muhimu kwa mwaka huu ukajitahidi kuweka juhudi ya ku keep record ya matumizi yako!```
```Watu wengi na wengine tupo humu, wakiulizwa unatumia kiasi gani kwa siku, week hata mwezi unakuta mtu hajui
Ni kwasababu haweki bajeti yake kwa maandishi```
```Umuhimu wa bajeti```
*Itakusaidia sana kujua pesa yako imekwenda wapi*
```Na utajua ni wapi ume over spend ili kupunguza etc!```
*Itakusaidia kutokufanya matumizi yasiyo na msingi*
```Yaani anaything outside your budget haipati chance!```
*Itakusaidia kufikia uhuru unaotaka kifedha* Maana ```utajua namna ya kutawala fedha yako```
*Itakusaidia kuweka akiba ya kutosha, kwa kujua unatumia kiasi gani, any extra money goes to savings*
```Just to mention a few!```
```Sasa kuna budget ya aina nyingi i will just mention a few```
1. ```50/30/20
50% needs(hapa nazungumzia vitu ambayo huwezi ishi bila, kama chakula, maji, kodi, etc)```
```30% wants (hapa ndo unaweza mambo ya shopping zako binafsi,hobbies, and having fun etc)```
```20% savings/tithing```
2. ```70/10/10/10
Mie naitumia hii na nnaipenda kwasababu matumiwi yangu juu kwasababu kuna mkopo na clear so
70% (matumizi ya lazima plus debts kama unazo)
10% savings
10% tithing
10% investing/fun (which normally sina fun naunganishaga na savings to achieve smthn```
3. 30/30/30/10
Hii @Fellyivetha
atarudia kutuelezea!
```Lakini its mostly used na watu ambao tayari they have a healthy financial progress!```
*Tengeneza budget kulingana na mapato yako! Bajeti sio kujibana bali inakusidia to be in control with your money*
```Na you can be as flexible as you want with any budget you choose to follow```
Hakuna mtu anakushikia fimbo
```Bajeti hasa huweza kukusaidia kujua matumizi yako ya siku, mwezi hadi mwaka na miaka mpaka mi 5 kama unaweka record!```
```Ndio maana suala la bajeti sio la kufanya kwa kichwa! It must be a written one! Lazima uandike chini ili uweze kutrack matumizi yako```
*Kupanga bajeti ni kitendo cha kuielekeza pesa yako iende wapi ikifika badala ya kubaki kushangaa pesa yako imeenda wapi*
```Nimekutana na baadhi ya watu wanasema "Nilipata hela lakini hata sijui imeishaje na imeenda wapi"```
```Wengine husema ni chuma ulete anakula pesa yao kumbe ni kukosa kuishi kwa bajeti!```
```Kama ulikuwa hupendi hesabu kwakweli hesabu ya hela yako inaenda wapi huwezi kuikwepa kama unatafuta uhuru kifedha!```
```For beginners
Kama ndio unaanza kufikiri suala la kuweka bajeti ni muhimu kwa mwaka huu ukajitahidi kuweka juhudi ya ku keep record ya matumizi yako!```
```Watu wengi na wengine tupo humu, wakiulizwa unatumia kiasi gani kwa siku, week hata mwezi unakuta mtu hajui
Ni kwasababu haweki bajeti yake kwa maandishi```
```Umuhimu wa bajeti```
*Itakusaidia sana kujua pesa yako imekwenda wapi*
```Na utajua ni wapi ume over spend ili kupunguza etc!```
*Itakusaidia kutokufanya matumizi yasiyo na msingi*
```Yaani anaything outside your budget haipati chance!```
*Itakusaidia kufikia uhuru unaotaka kifedha* Maana ```utajua namna ya kutawala fedha yako```
*Itakusaidia kuweka akiba ya kutosha, kwa kujua unatumia kiasi gani, any extra money goes to savings*
```Just to mention a few!```
```Sasa kuna budget ya aina nyingi i will just mention a few```
1. ```50/30/20
50% needs(hapa nazungumzia vitu ambayo huwezi ishi bila, kama chakula, maji, kodi, etc)```
```30% wants (hapa ndo unaweza mambo ya shopping zako binafsi,hobbies, and having fun etc)```
```20% savings/tithing```
2. ```70/10/10/10
Mie naitumia hii na nnaipenda kwasababu matumiwi yangu juu kwasababu kuna mkopo na clear so
70% (matumizi ya lazima plus debts kama unazo)
10% savings
10% tithing
10% investing/fun (which normally sina fun naunganishaga na savings to achieve smthn```
3. 30/30/30/10
Hii @Fellyivetha
atarudia kutuelezea!```Lakini its mostly used na watu ambao tayari they have a healthy financial progress!```
*Tengeneza budget kulingana na mapato yako! Bajeti sio kujibana bali inakusidia to be in control with your money*
```Na you can be as flexible as you want with any budget you choose to follow```
Hakuna mtu anakushikia fimbo