Beshte yangu Waf ni msee amejipanga na vision ya life vibaya sana. Dream yake kubwa ni kujengea mathe na budake boma.
Lakini kama kawa dreams zinachengana na reality. Reality ni the fact that expenses za kila mwezi zinaweza fanya dreams zako zikuwe story ya jaba. Kufikia hiyo dream yake itachukua time.

Uzuri ya Waf ni anakuaga 5 steps ahead! Juzi vile nilimuuliza amefika wapi na hii dream yake alinichanua na hacks noma sana za kusave na KCB Simba Savings Account.
Na juu huku we don’t gatekeep information wacha niwafunze vitu nililearn.
 
The power of “Kidogo Kidogo”

Watu wengi hufikiria kusave inataka big amounts lakini unajua unaweza start small? Haba na Haba kujaza kikubwa. Whether unasave mia mbili ama thao mbili, with KCB Simba savings account utagrow kulingana na uwezo wako.

Plus Simba savings account inakupatia a competitive interest rate on your savings na hakuna monthly charges. Hata ukistart small bado savings zitagrow.

Yaani hapa ndio tunasema your money works for you.

Ile kitu hampendi kuskia “Budgeting”

Kuna masaa ya kuenjoy soft life na kuna masaa ya kusave. Wewe uking’ang’ana kukeep up na influencers wengine wakijipanga na life.

Kidogo kidogo, unaskia wamenunua kaBMW na wewe downtime ni nduthi gang. Chanuka sis.

Budgeting! Budgeting! Budgeting

Na si ile ya kumake Excel sheet alafu unailenga - Ziii!!!. Sahii tunabudget na 50,20, 30 rule.
Mwalimu wa math huku ndio tuko sasa.

• 50% of your income iende kwa needs zako. Food, Clothing, Shelter, Transport. Na sijasema dinner with your girlies…

• 20% tunasort zile madeni ukonazo. Na kama deni hazikutambui save 20% yote pia. You’ll thank me later.

• 30% imebaki ni ya vitu tunaita miscalleanous.  Yaani, entertainment, that trip to Vasha, brunch with your girlies, kabirthday gift ka Mans – anything that makes your skin glow.

Na sijasema uende uthrow bash usote. Kuwa mjanja.

Tukishamaliza kubudget inafaa ubaki a base of zero. This means, you have no negatives, yaani usispend doh hauna. Na pia if you have extra funds, it means hujabudget doh yote yenye inakam through. Rudia hiyo process and put more in savings.

In simple, tunasema the math should be mathing. Usispend pesa hauna ama you go beyond your means!

Kaa ngumu na budget yako! Juu ya hiyo story, with KCB Simba Savings account, discipline itajipa juu you get one monthly withdrawal.

Kama unadai kuget more information about KCB Simba savings account click hapa.

Over and Out,
Witty Banker.