This is a temporary account juu sitaki mnijue:D Help needed. I graduated last year from some local university. Before nigraduate nilipata job and my NET salary is 72,000. That was July last year. 1 year ago. Now hesabu kidogo, 72,000*12 ni 864,000. I don’t have kids or family obligations, I don’t drink alcohol yet bado naishi paycheck to paycheck. Sipendi ata raha na sina pesa. How can I improve my finances? My expenses are as follows, rent maji na stima 15,000, internet 4000, kina siblings wako shule kuomba doo 2000, shopping 3500, fare na lunch 10,000, miscellaneous ni 8000. These are compulsory expenses. Tuendelee na hesabu. Expenses ni 474,000 for the year. Minus 864,000 ni 390,000. Someone should be expecting niko na savings ya over 300k but no, niko na only 45,000 kwa account as per today. No investments. Niko na only loan ya HELB which is kitu 70,000 and no other loan. The last 5 months nimetumia like 20,000 on slay queens. How can i fix my expenses? I want to buy a car but si lazima. I hate loans so i was expecting to buy in cash. Kindly mnisaidie on how to handle my finances juu clearly I am poor at it. Watu wamepitia kindly advise.
:Dtemporary.
Wacha wasiwasi. relax. life and all of us are temporary. wacha kuchukua life so serious sio permanent. nakupa tu miaka mitatu hivi hautauliza maswali kana hii hapa. when your head takes the bearings utakuwa tu sawa.
meanwhile enjoy your childhood.
Na usinunue gari ya loan.
tushakujua naniii
Hamia bedsitter. Wachana na slay queens, wacha kuzoesha watoto wenu kuombaomba, ingia sacco mzuri na uremit kitu 5k per month on check-off basis, anza biashara ya kuuza anything you can lay your hands on, usikimbilie gari kwanza na ukinunua isikuwe gari expensive ama guzzler, think of buying an asset especially land. Wengine wakusaidie pia.
Ingia a reputable sacco of your choice or open another bank account then give your employer standing orders to your employer to deduct an amount monthly, say 5K for your savings. Halafu Kenya hii bila loan ni ngumu kujiendeleza
[SIZE=3]Nadhani tumekujua lakini ni sawa [/SIZE]
Save.
SAVE
[SIZE=5]SAVE[/SIZE]
2. Enjoy bachelorhood.
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12. Enjoy bachelorhood.
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33. Enjoy bachelorhood
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2000. Enjoy bachelorhood
m2random niaje
I feel like your grammar should be ‘more rich’ (richer)
Wacha nikule lunch nakuja na advice musuri.
Boss wachana na slay kwin. Komboa bedsitter. Chukua loan ununue Suzuki alto ukuwe unatega usiku nayo kama uber chapchap.
Thank us later na jugdaniel
Actually he just needs to remove ‘more’…
Wacha niingie local ndio nipeane advice
Nikipewa hio mushahara nawacha kuchukua hongo.
Savage acha kudanganya msee. You need to save up, you clearly doing bad in that. Anything can happen ukipata accident uvunjike mguu utaitisha Harambe while you were earning 864 000 per year? Mwache ujinga. You are young so it’s good to learn early. At anytime It’s always good to have a savings that will last you at least 6 months comfortably doing NOTHING. Think if you loose your job today…?
:D:D reminds me when I first worked pale nakuru pyrethrum 2001…mshahara 28k!
what i noticed ni ati ata upewe advice na rotich pesa zako hutaeza kukua disciplined nazo, Mashida zako ndio zitatuma uchange, ile siku kitaumana ndio utajua kujipanga, si unajua vile wao husema kuhusu experience?
what i noticed ni ati ata upewe advice na rotich pesa zako hutaeza kukua disciplined nazo, Mashida zako ndio zitatuma uchange, ile siku kitaumana ndio utajua kujipanga, si unajua vile wao husema kuhusu experience?
Wee hauna shida, Nikurogwa umerogwa,na mkurogi akakufa.
You have never experienced any hardhip in your life, Lucky bastard
Ile siku kazi itasimama huyu ata commit suicide.
:D:D:D habari yako