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Bajeti ya Matumizi

2025-06-25 13:00:00
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Kabla sijatoa sample, ni vyema tukatambua kuwa bajeti ina makundi matatu ya muhimu: Mambo ya lazima ambayo huwezi kuahirisha,Mambo ya ziada ambayo unaweza kuahirisha na Mambo ya dharura usiyoyatazamia. 

Mambo ya Muhimu

Haya ni matumizi ya lazima kila siku ambayo unaishi, ni ya lazima ili wewe na familia yako muendelee na maisha. Hapa ndipo unapopaswa kuweka hela yako kabla ya mambo yote mengine. 

Fungu la kumi na matoleo yote.

Bili zote (kodi ya nyumba, umeme, maji, insurance, ada, wasaidizi wa kazi,ulinzi).

Chakula (nyumbani, kazini).

Usafiri (mafuta ya gari, nauli).

Matumizi muhimu ya nyumbani (sabuni, mafuta, pampers kwa wenye watoto, vifaa vya usafi). 

Mambo ya Ziada

Nguo na Viatu

Kulipia vitu vya ziada kama Dstv, gym, na membership nyingine Kutoka na familia kwenda kupumzika mahali Michango ya harusi ma sherehe

Michezo ya watoto na zawadi nyinginezo

Saluni

 

Matumizi ya Dharura. 

Hospitali

Michango ya majanga 

Ukishaainisha matumizi yako kwenye makundi haya, ndio utajua lipi la ziada ufanye na lipi lisubiri wakati mwingine, na ukiweka hela ya akiba kwa ajili ya dharura. Utashangaa kwa nini nimeweka kodi ya nyumba na ada kama matumizi ya mwezi wakati unalipa mara moja au mbili kwa mwaka. 

Wengi tunakosea hapo, unatumia hela yote kisha ukifika wakati wa kulipa kodi unatafuta pa kukopa. Kodi yako unatakiwa kuilipa kila mwezi ila tu mwenyenyumba anaitaka kwa mkupuo, ili usiangaike baadaye hakikisha kila mwezi unaitoa pamoja na ada zote na kuweka pembeni hasa kwenye akaunti maalumu. Ukifika wakati wa kulipa unakuwa huna wasiwasi.

Usije ukanunua nguo, viatu au kuitoa familia out wakati haujatoa fungu la kumi, hujalipia umeme au hujatenga kodi ya mwezi husika. Wengine wanashona kitenge kila kitchen party na kwenda saluni kila wiki na nyumbani hajui wiki ijayo atakula nini. Fanya shopping ya mwezi, ya kila kitu ambacho hakiharibiki: sukari, unga, mchele, majani ya chai, sabuni, dawa za miswaki, tambi, maharage, mafuta, pampers, wipes, maziwa n.k. Utakuwa na maisha ya furaha sana, na vitu kama nyanya, nyama, vitunguu, karoti unanunua kwa wiki. Yani kwangu kitu ninachonunua kwa siku ni mboga za majani na ndizi tu.

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