So I work remotely from my house and the company I work for pays per job. In short the more work you do the better.
Hatuna regular payment date but averagely nalipwa every 2 weeks. Mostly namek between 25-35k every of those two weeks.
Shida kusave imekua ngori wakuu. Job nliget Dec na hadi sai savings ni 15k tu. Sina bibi naishi tu solo keja nalipa 8k tu.
Huwa nakata maji but rarely. For instance since Feb sijaguza pombe. Mostly nimekua nikibuy vitu za keja juu job ndo nimepata. Alafu pia sijaguza malaya since 2019. Girlfriend ni moja nlipata January na ananikula approximately 2-3k per month.
At 28, how best can I plan my life going forward na hii kamsharaha. Sikai Nairobi.
Last but not least naplan kufungua biz na pia huwa niko na obsession ya gari. Nataka kupata yoyote tu bora si ya deni, inasonga, hainisumbui na haikunywi sana.
How best can I start saving nipate results na hii pesa wakuu.
Achana na gari. Stay next to the place utafungua biz kama ni out of Nai hata kama itakuwa expensive by a few thousands in rent. You may save more by cutting transport costs and hata expenses on lunch.
Usijali, savings can be difficult since you’re just starting. Try to minimize alcohol (you are doing good) lakini sherehe once in a while at that age sio mbaya, girlfriend sio lazima, na gari toa akili hapo kwa saahii. Give yourself 5 years ndio ufikirie gari.
Aim at saving 20k per month; kila wiki 5k. Jinyime na pia unyime watu. Kama uko na dependants (black tax) like young siblings na wazazi, kuna challenge but try kuwa mchoyo. Overcome the stage and focus on yourself.
The only thing I regret at your age ni kuchukua loan bila proper plan. If you can avoid the better.
@EATNER_Eater
When I was a freelancer, what helped me save was a money market fund…
I have used CIC and ICEA lion.
Kufungua ni online
You save 30k per month…
That’s how you build discipline ya kusave as you get ideas to grow
Tafuta book inaitwa, “The Richest Man in Babylon” by George Clason. You will get valuable insights on money management than what elders will offer in this forum.
Stick to your cheap gilfriend,na mkae na yeye. Save agressively na you focus on improving your skills to earn more.Your only focus should be improving your skills and experience to increase your earning potentiol sio gari.
Nilinunua vitu expensive, electronics na simu noma ya blackberry. You see, at that time nilipata office job ya net 60k; before that I was earning 25k from online jobs. So repaying 10k per month was not a big deal, but at the end ilininyonya.
Nakumbuka nikishikia dem wa mine kiatu ya 7k……upuuuzi saaana. We learn and move on.