Sikiliza hutuba ya mwisho katika mkutano mkuu wa UN aliyoitoa J.K.Nyerere

This Is How You Can Develop A Highly Successful Mind

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How To Be Successful In Life: 13 Tips From The World’s Most Successful People

No matter how old you are, where you’re from or what you do for a living, we all share something in common—a desire to be successful. Each person’s definition of success is different, however, as some may define success as being a loving and faithful spouse or a caring and responsible parent, while most people would equate success with wealth, fame, and power.

We all want to achieve success so we could live a comfortable life—have financial freedom, drive a nice car, and live in a beautiful house. However, although success can be achieved, it does not come easy.

There are a lot of tips and strategies out there on how to be successful in life, but I am still a firm believer that there is no better way to succeed than to follow that footsteps of those who have already done so. Here are 13 success tips from some of the world’s most successful and renowned people:

1.THINK BIG

From Michelangelo Buonarroti, Great Renaissance Artist: “The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark.”

2.Find what you love to do and do it.

From Oprah Winfrey, Media Mogul: “You know you are on the road to success if you would do your job and not be paid for it.”

3. Learn how to balance life.

From Phil Knight, CEO of Nike Inc.: “There is an immutable conflict at work in life and in business, a constant battle between peace and chaos. Neither can be mastered, but both can be influenced. How you go about that is the key to success.”

4. Do not be afraid of failure.

From Henry Ford, Founder of Ford Motors: “Failure is simply the opportunity to begin again, this time more intelligently.”

5. Have an unwavering resolution to succeed.

From Colonel Sanders, Founder of KFC: “I made a resolve then that I was going to amount to something if I could. And no hours, nor amount of labor, nor amount of money would deter me from giving the best that there was in me. And I have done that ever since, and I win by it. I know.”

6. Be a man of action.

From Leonardo da Vinci, Renaissance Genius :“It had long since come to my attention that people of accomplishment rarely sat back and let things happen to them. They went out and happened to things.”

7. Avoid conflicts.

From Theodore Roosevelt, 26th President of America: “The most important single ingredient in the formula of success is knowing how to get along with people.”

8. Don’t be afraid of introducing new ideas.

From Mark Twain, Famed Author: “A person with a new idea is a crank until the idea succeeds.”  

9. Believe in your capacity to succeed.

From Walter Disney, Founder of Walt Disney Company: “If you can dream it, you can do it.”

10. Always maintain a positive mental attitude.

From Thomas Jefferson, 3rd President of America: “Nothing can stop the man with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude.”

11. Don’t let discouragement stop you from pressing on.

From Abraham Lincoln, 16th President of America: “Let no feeling of discouragement prey upon you, and in the end you are sure to succeed.”

12. Be willing to work hard.

From JC Penny, Founder of JC Penney Inc.: “Unless you are willing to drench yourself in your work beyond the capacity of the average man, you are just not cut out for positions at the top.”

13. Be brave enough to follow your intuition.

From Steve Jobs, Co-founder of Apple Inc.: “Have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”

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Wateja ni msingi wa biashara, umeshawahi kujiuliza je biashara inaweza kwenda bila wateja? Bila wateja wa kuwauzia bidhaa au kutoa huduma biashara haiwezi kuwepo. Wajasiriamali wanahangaika na biashara zao kwakuwa wanaamini watapata wateja.

Wateja ni kila kitu katika biashara. Hospitali, vyuo, hoteli, daladala, magazeti, radio na biashara mbalimbali unazozifahamu zote zinahitaji wateja ili ziweze kuendelea. Ukosefu wa uelewa kuhusu wateja ni moja ya sababu zinazofanya biashara zianguke na kufungwa baada ya kuanzishwa. 

Pamoja na changamoto katika soko bado wajasiriamali wanashindwa kuelewa ni kwa namna gani wanaweza kukidhi mahitaji ya wateja wao.
. Fanya utafiti wa mahali pazuri pa kufanyia biashara.

Eneo ambalo biashara ipo ni jambo la msingi sana katika kuwavutia wateja na kujenga ufanisi katika biashara. Ni vyema pia kutambua si kila biashara inafaa kwa kila eneo na vilevile si kila eneo linafaa kwa kila biashara!

Unaweza kulalamika kwamba biashara sio nzuri na mambo hayaendi lakini kumbe mwanzo wa yote ni biashara yenyewe kutokuwa kwenye eneo sahihi, haya ni makosa yanayofanywa na wajasiriamali wengi hivyo chagua eneo sahihi kwaajili biashara yako.

Inawezekana upatikanaji wa maeneo ya biashara hasa maeneo mazuri yanahusisha gharama kubwa katika upatikanaji wake, ni muhimu ufanye tathmini ya uhusiano wa eneo na aina ya biashara unayotegemea kufanya.
. Tambua wateja halisi wa biashara yako.

Je ni wapita njia? Unapoamua kufanya biashara fikiria pia juu ya walengwa halisi wa biashara husika, ingawa wanaweza kutokea wateja mbalimbali lakini lazima walengwa wawepo.
Elewa wateja ni msingi wa mafanikio katika biashara yako, jiulize wateja wako ni akina nani, nini kitawasukuma kuja kununua kwako, je ni watu wenye uwezo wa kifedha kwa kiasi gani na wanatoka wapi? Ukijiuliza maswali haya utaweza kufahamu namna ya kubuni biashara nzuri kwaajili ya wateja wako.

Kwa mfano ukienda benki kuna akaunti za aina mbalimbali kutokana na madaraja ya wateja, kuna akaunti za makampuni, akaunti za watoto n.k. Hivi ndivyo na wewe kama mjasiriamali unatakiwa kufikiria kuhusu aina ya wateja wako.

Ni muhimu kuwa na mchanganuo wa aina mbalimbali za wateja unaowalenga katika bishara yako. Haiwezekani ‘’nguo’’ moja ikamtosha kila mtu! Kwa mfano kama umeamua kufungua duka la nguo jiulize walengwa ni kina nani na utawapataje?

Kumbuka soko ni kubwa sana na wateja ni wengi, hivyo wewe kama mjasiriamali unatakiwa kuwaainisha wateja wako katika matabaka kutokana na aidha mila, desturi, uwezo wa kiuchumi, jinsia, elimu, au maeneo wanayotoka.
. Ainisha bei stahiki ya bidhaa zako.

Ni muhimu kwa mjasiriamali kupanga bei za bidhaa zake kwa namna ambayo itawaridhisha wateja. Pamoja na kuwa na soko la bidhaa zako, yakupasa kuwa na bei zenye kukubalika miongoni mwa wateja wako.

Vilevile angalia uwezo wa kiuchumi wa eneo husika, zipo baadhi ya bidhaa ambazo bei zake zinaeleweka na zipo bidhaa ambazo bei zake hutofautiana kutokana na mahali. Hii yote inatokana na uwiano wa kiuchumi, mila, desturi na tamaduni za jamii husika.

Ni muhimu kuelewa na kukumbuka kuwa wewe kama mjasiriamali una wajibu wa kuwatafuta wateja, kuhakikisha wanakuja kwako na si wateja wakutafute wewe. Wapo wajasiriamali baada ya kuanzisha biashara wanakaa kusubiri waje badala ya kuwatafuta

. Wafahamu washindani wako. 

Tafuta namna ya kuwafahamu washindani wako kujua wanafanya nini kukidhi mahitaji ya wateja wao, ni muhimu kujifunza mabaya na mazuri ya washindani wako bila kuwachukulia washindani wako kama maadui.
Ni busara mara kwa mara ujiulize ni mahali gani kwingine wateja wako wanapoweza kununua bidhaa kama zako unazouza? Ni muhimu kufanya hivyo kwasababu wateja wengi hupenda kwenda mahali penye unafuu kupata bidhaa wanazohitaji na wapo tayari kwenda popote.

Pamoja na kuwafahamu washindani wako yakupasa kama mjasiriamali kuwa tofauti na washindani wako. Kuwa mbunifu kwa kutafuta namna ambayo itaweza kukutofautisha na washindani wako hata kama wote mnauza bidhaa zinazofanana.

Kuna namna mbalimbali ambazo unaweza kujitofautisha na washindani kama vile utoaji wa punguzo la bei kwa wateja wanaonunua bidhaa kwa kiasi kikubwa, utayari wa kupeleka bidhaa hadi eneo husika la mteja na njia nyinginezo.
. Biashara ni matangazo, jinadi kwa watu.

Je biashara yako inafahamikaje kwa watu? Tafuta namna mbalimbali zenye gharama nafuu ili kuweza kufikisha ujumbe wa kile unachokifanya. Mfano jaribu kuweka matangazo madogo madogo ya biashara yako kwenye magazeti, majarida na mabango makubwa ya biashara mbalimbali. Mbinu hii ya kutangaza biashara imewasaidia wengi kupata wateja wengi katika biashara zao.
. Fanya tathmini ya biashara yako.

Ni vizuri kujiuliza maswali kama vile, je una wastani wa wateja wangapi kwa siku, juma au mwezi?  Je unafikiri kuna mwelekeo wa kupata wateja zaidi wa kununua bidhaa zako siku zijazo?

Je wateja wako wapo tayari kununua bidhaa zako kwa bei uliyopanga? Je ni kwa kiasi gani wateja wako wanaridhishwa  na huduma unazotoa? Je mahitaji ya bidhaa unazouza yakoje, je ni ya msingi, lazima au ni ya kujifurahisha. Je unaridhia kwa kiasi gani kiwango cha mauzo au mapato yako?

Kama ambavyo tumeweza kuona wateja ni msingi wa biashara yako, wewe kama mjasiriamali jitahidi kufanya lolote linalowezekana uweze kubaki na wateja ulionao, unapofikiria biashara yako fikiria utoaji wa huduma bora, uendeshaji makini wa biashara ili isife kwa kuepuka kupata hasara zinazoepukika, kukuza mtaji na kupanua biashara yako  

Nani anasema kujitolea hakulipi na hakuna manufaa?

Wengi wetu tunapenda kushiriki katika kufanikisha jambo fulani kubwa na hata kujumuika na wenzetu wanaotuzunguka. Kwa jinsi tulivyojifunza baada ya kukutana na watu wengi wanaojitolea, tunaona kwamba kujitolea ni namna mojawapo na nzuri zaidi ya kutuwezesha kufanilisha azma hii.
Nani anajitolea?
Kuna aina nyingi tofauti za watu wanaojitolea, wenye misukumo na malengo tofauti. Mtu anayejitolea anaweza kuwa:

• Mtu aliyetambua mahitaji ya jamii yake na kuyashughulikia, anajisikia kuwajibika kwa jamii, anakwenda hatua mbele zaidi ya majukumu yake ya msingi.
  
• Mtu ambaye anajitolea muda na utaalam wake kwa manufaa ya wengine na wakati huo huo akipiga hatua zaidi mbele.
  
• Mtu ambaye halipwi mshahara na hatambuliki kama mwajiriwa
  Kujenga ujuzi Kazi ya kujitolea inatoa fursa kwako kujifunza mambo mapya na kupata ujuzi wa kazi pamoja na kujenga hali ya kujiamini. Kefar Mbogela, (28) ni Mratibu Msaidizi wa Mradi, Restless Development. Kefar alianza kujitolea katika asasi hiyo mara baada ya kuhitimu Kidato cha Nne. Baada ya kujitolea kwa miaka mitatu pale Restless Development, hivi sasa ameajiriwa kuratibu mafunzo kuhusu masuala ya Katiba katika mikoa mbalimbali. “Nikiwa chuo kikuu niliwafundisha watu mambo yanayohusu ushiriki wa wananchi. Nimekuwa na ujasiri zaidi na nimepata uzoefu mkubwa katika zoezi hilo, sihitaji tena usimamizi kwa jambo lolote na naweza kushughulika na kundi kubwa tu wakati ninapotoa mafunzo juu ya mambo yanayoigusa nchi yetu.”
  Faida za kujitolea
  Tunapofi kiria kujitolea, wengi wetu tunafi kiria kufanya kazi bila kupata chochote, hata pesa. Lakini, tunapata mambo mengi na ukweli ni kwamba faida tunazozipata zina thamani zaidi ya fedha!
  Kujenga ujuzi
  Kazi ya kujitolea inatoa fursa kwako kujifunza mambo mapya na kupata ujuzi wa kazi pamoja na kujenga hali ya kujiamini.
  Kefar Mbogela, (28) ni Mratibu Msaidizi wa Mradi, Restless Development. Kefar alianza kujitolea katika asasi hiyo mara baada ya kuhitimu Kidato cha Nne. Baada ya kujitolea kwa miaka mitatu pale Restless Development, hivi sasa ameajiriwa kuratibu mafunzo kuhusu masuala ya Katiba katika mikoa mbalimbali.
  “Nikiwa chuo kikuu niliwafundisha watu mambo yanayohusu ushiriki wa wananchi. Nimekuwa na ujasiri zaidi na nimepata uzoefu mkubwa katika zoezi hilo, sihitaji tena usimamizi kwa jambo lolote na naweza kushughulika na kundi kubwa tu wakati ninapotoa mafunzo juu ya mambo yanayoigusa nchi yetu.”
  Kujijenga kitaaluma
  Kujitolea kunakusaidia katika kujiendeleza kitaaluma – ni fursa ya kunoa ujuzi katika masuala ya uongozi, kujiamini na kujitambua. Utaboresha utendaji wako na mwisho wa siku utapata uzoefu, jambo ambalo linakuongezea uwezekano wa kupata ajira.
  Adeline Cosmas, (24), ni Mratibu Msaidizi wa Mradi, Mabinti Tushike Hatamu, mradi unaoishirikisha serikali na asasi za kiraia, unaowalenga wasichana kati ya miaka 10 na 19.
  “Nilipokuwa chuo kikuu na mara baada ya kumaliza chuo, nilijitolea katika taasisi ya habari ambapo nilijifunza kufanya kazi na watu wa serikali ya mtaa, hii ilinisaidia nilipoomba kazi.”
  Adeline anasema, anamshukuru baba yake ambaye alimfundisha utaalam wake wa kufundisha, aliwafundisha wasichana wa darasa la nne na la tano Kiingereza na Hisabati kwa miezi sita wakati huo akiwa na miaka 19, jambo ambalo lilimjengea moyo wa kuwasaidia wengine.
  Kujenga mtandao
  Uzoefu unaopatikana kwa kujitolea ni fursa pia ya kujenga mtandao wa marafi ki pamoja na kupata mawazo mapya na mtazamo tofauti wa mambo. Hawa pia ni watu ambao watakumbuka kazi uliyoifanya.
  Ridhwan Ridhwan, (26), ni mwalimu wa Arusha School na ni balozi wa Fema ambaye amekuwa akijitolea kama mwelimishaji rika TACAIDS, msimamizi wa mazingira ya shule yake na mtu ambaye amekuwa akizisaidia shule katika mkoa wake kuanzisha klab za Fema. Uzoefu wake umemwezesha kukutana na watu wa kila namna.
  “Kwa mitandao niliyoijenga katika shughuli zangu za kujitolea hapa Arusha na wakati nikiwa masomoni, mashirika ya kimataifa kutoka nchi mbalimbali yamekuwa yakinialika katika matukio mbalimbali baada ya kukumbuka kazi ambazo nilizifanya na baadhi ya watu wa mashirika hayo.”
  Mwisho wa siku, unapotafakari ulichokifanya – unajisikia vizuri!
  KUMBUKA
  Jitolee ukiwa na lengo la kusaidia wengine au jamii, badala ya kufi kiria ni namna gani utanufaika kifedha. Unapojitolea, jitume kadri ya uwezo wako kwani huwezi kujua itakusaidiaje hapo baadaye.
  
  
   SOURCES:Fema 31, uk. 40, na Gaure Mdee
  
  

UNATAKA KUMILIKI BIASHARA? PITA HAPA...

Je, wewe ni mtu mwenye ndoto za kumiliki biashara yako mwenyewe? Unataka kuwa bosi wewe mwenyewe? Je, ni ngumu? Bila shaka. Changamoto je? Lazima zitakuwepo. Unahitaji utajiri, elimu na wasifu mrefu? Hapana. Sasa unafanyaje? Jipange!

Kuendesha biashara yako mwenyewe ni chaguo zuri kikazi na kimaisha. Inahitaji muda na malengo yako. Anza kwa kutambua kwamba unatakiwa kujitoa kikamilifu katika kuanzisha kazi yako mpaka itakapokuwa imesimama imara.

Kuna faida nyingi za kuendesha biashara yako mwenyewe.

✸✸ Uhuru na kubadilika: Uhuru wa kufanya kazi wakati na mahali popote unapotaka. Unaamua kile unachotaka mwenyewe.

✸✸ Fuata ndoto zako: Chagua biashara kulingana na kile unachopenda kukifanya na ambacho kinaendana na uwezo na ujuzi wako. Kila siku inakuwa na nafasi mpya ya kukuza uwezo na ujuzi na kufikia malengo yako.

✸✸ Kiwango cha kipato: Kipato unachoingiza kinategemea juhudi zako na kufanikiwa kwa biashara yako, jambo ambalo si kawaida sana unapokuwa umeajiriwa.

Si Kazi Ndogo

Yafuatayo ni mambo manne muhimuya kuzingatia ili kuanza biashara:

✸✸ Wazo zuri

✸✸ Maarifa/Uwezo 

✸✸ Hamasa na msukumo

✸✸ Rasilimali (za kifedha na zisizo za kifedha)

Wazo zuri

Wazo zuri ni kile kitu ambacho unaweza kukifanya na kupata faida na kufikia uhitaji wa wateja wako.

✸✸ Tambua mahitaji ya watu, ambayo hakuna mtu mwingine anayatoa.

✸✸ Ni bidhaa gani utauza au huduma unayoweza kuitoa vizuri zaidi ya mtu mwingine?

✸✸ Je, bidhaa yako itawashawishi watu kuja kuinunua na kukuletea faida?

✸✸ Fikiria hasara: Unafanya hiyo biashara kutegemea hali ya hewa au unategemea uwezo au maarifa ya watu wengine?

Maarifa na uwezo

Maarifa ni nguvu, hivyo kile unachojua kuhusu biashara yako kitakupa nguvu kuweza kufanikiwa. Kama mmiliki wa biashara ndogo, unatakiwa kujua biashara unayotaka kuianzisha; kwa mfano, unataka kuanzisha saluni ya kukata nywele, lazima uwe unajua jinsi nywele zinavyonyolewa, vifaa gani vinatumika na kama ikiwezekana wewe mwenyewe ujue jinsi ya kunyoa. Unaweza kujifunza maarifa haya kwa uzoefu rasmi au usio rasmi, elimu mafunzo, mazoezi au kujiendeleza kiujuzi. Kama huna maarifa na uwezo wowote, unapaswa kuhamasishwa ujifunze

Msukumo na hamasa

Una nafasi kubwa ya kufanikiwa kama unalipenda wazo lako na una nia ya kuliendeleza. Unatakiwa kupenda wazo la biashara unalolifikiria. Unahitaji nguvu na msukumo kuanzisha na kuendesha biashara. Unatakiwa uwe tayari kwa ajili ya hasara ambazo unaweza kukumbana nazo.

“Mtazamo wa kijasiriamali unahitajika.” Hii inamaanisha kwamba utakumbana na changamoto ambazo unatakiwa kuwa tayari kuzikabili, pia kuna mambo mengine yanakuja kwa kushtukiza. Unapaswa kuzichukulia changamoto zote kama nafasi ya kutafuta njia ya kutatua nyingine siku zijazo. Wapo watu wachache wenye bahati ya kufanikiwa chapchap katika biashara zao, lakini wapo wengi pia ambao huwachukua miaka kuweza kupata mafanikio kama hayo. Fanya biashara yako kwa bidii, kuwa makini, jifunze mbinu bora za kutunza fedha, omba msaada na ushauri kutoka katika vyanzo vya kuaminika.

Rasilimali

Ni muhimu kujua gharama za kuendeleza biashara yako. Unatakiwa kujua ni shilingi ngapi zinahitajika kupata bidhaa na au kutoa huduma yako. Bajeti yako lazima ijumuishe gharama za kuanzia, kama vifaa, sehemu ya kufanyia biashara, kodi na huduma, usafi rishaji wa bidhaa, mishahara ya wafanyakazi, malipo ya mkopo, ada ya benki, ushuru na kadhalika. Gharama ikiwa ndogo inakuwa rahisi kuanza.

Kujua gharama ya biashara yako ni muhimu ili kuamua kama inaweza kukupa faida. Ili biashara ikue, utahitaji kutengeza fedha nyingi zaidi ya ulizowekeza.

Mipango ya biashara yako

Baada ya kuhakikisha wazo lako, unahitaji kuandaa mpango wa biashara yako. Huu ni mwongozo unaokuelekeza jinsi ya kulifanyia kazi wazo lako kwa vitendo. Mipango inajumuisha malengo, mikakati na utendaji.

Andika bajeti

Bajeti yako iwe na makadirio ya mapato na matumizi kwa kipindi cha angalau miezi sita. Unatakiwa kuandika kiwango cha fedha unachohitaji kila siku, kila wiki, kila mwezi kuendesha biashara yako. Andika ni kiasi gani cha fedha kinahitajika kwa gharama zote. Unapoanza biashara kuwa mkweli. Unaweza usifi kie matarajio yako yote kwa wiki au mwezi wa kwanza, hivyo unatakiwa kuweka bajeti ya gharama zako hadi uinuke na kuweza kuiendesha.

Yaliyomo kwenye mipango

Inajumuisha mambo mengi:

Maelezo ya biashara: Nini cha kufanya, kuzalisha au kuuza?

Utafiti wa soko: Ni kina nani unakwenda kuwauzia bidhaa zako au kuwapa huduma?

Uchambuzi wa soko: Kwa nini watanunua bidhaa zako au kufuata huduma zako? Ni kwa sababu una huduma na bidhaa bora zaidi ya wengine? Ni sehemu gani nyingine wanaweza kupata huduma hiyo?

Utekelezaji: Utatoaje huduma yako? Wakati gani? Mahali gani? Utawafi kiaje wateja wako?

Changamoto: Ni vikwazo gani vinaweza kujitokeza? Utatuaje? Je, kuna watu ambao wanaweza kukusaidia?

Kutafuta njia ya kupata fedha

Unaweza kuhitaji kuwa na fedha ya kuanzia. Vifutav yo ni vyanzo vinavyoweza kukusaidia.

✸ Akiba yako

✸ Familia

✸ Vyama vya kuweka na kukopa visivyo toa riba

✸ Benki za biasharabila riba

✸ Mikopo midogo ya biashara kutoka kwa watu binafsi 

✸ Ruzuku .

SOURES FEMA HIP

KIPI NI BORA KATI YA WAZO LA BIASHARA AU MTAJI???TUNDIKIE MAONI YAKO

MHESHIMIWA ZITTO KABWE MBUNGE MAKINI NA MUADILIFU TAIFA LINAKUHITAJI MSIKIE VIZURI

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FOR YOUR SUCCESS TRY THIS PLEASE??

. Do You Have Enough Confidence and Faith In Your Abilities?

If you are serious about making it big, you need to have faith and confidence in yourself and your abilities. This is imperative otherwise you will simply give up when you encounter criticism and negativity (Things you will have to tackle with once you are in the limelight). You should possess self-confidence. You must trust yourself. You should have a strong intention and feeling that you’re going to achieve it.

We all know how ‘Sachin Tendulkar’ reached great heights in his cricketing career. He is highly regarded as one of the greatest batsmen of all time that the world has ever witnessed. He is considered as the ‘God of Cricket’ among his fans. From a very young age, Sachin used to practise for hours at a stretch. He had a strong determination to make it big and remained focused putting in efforts persistently to achieve his goal.
. Are You Aware That Failure Is A Stepping Stone to Success?

If you are thinking about making a big success in your life, there is one word ‘quit’ that shouldn’t be there in your dictionary. Remember, without tasting failures, you won’t taste success. Those who have never failed, will never know when they have succeeded. Eventually, you succeed because you persistently keep on trying and never give up on the spirit. The moment you quit, you have lost.
 
For example: We all know how ‘Thomas Alva Edison’, (who was an American inventor and businessman) invented awesome devices including an electric bulb, which just changed the lifestyle of mankind (the way we live). Thomas Edison was consumed by his work and before he could invent a long lasting electric bulb, he failed numerous times (It’s believed that Edison failed more than 1000 times when trying to invent the light bulb) Edison in his own words declares it – ‘I have not failed 1,000 times, but I have successfully discovered 1,000 ways to NOT make a light bulb.’

Why Edison was after the invention? Why Edison did not leave it even after encountering frequent failures? Because Edison strongly felt the need to make the difference in people’s life through his invention and he was extremely passionate about his invention and never gave up his enthusiastic spirit and never lost his faith in his own abilities.

Take the history of great men who have ever lived on this earth and have made it big. Certainly each one of them has surely gone through testing times or have encountered failure at one point or another in their life, but they never gave up their spirit and always picked themselves up and marched ahead in their mission. And so they were able to make it big for themselves at the same time contributing towards the development and progress of mankind

sources::GaneshaSpeaks.com

ALSO VISIT TO LEARN MORE I APPRECIATE THIS MAN  KAMMOTTA.

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How to Plan Less and Grow Faster

Today, I want to introduce you to a new concept for starting and growing successful companies: Lean Planning.

Lean Planning is a set of tools for discovering a business model that works, building an action plan to test your assumptions, creating financial models and a plan for a viable business, and tracking your performance so you can adjust your plan on the fly, quickly and easily.

and easily.

Before I dive too deeply into the Lean Planning methodology, it makes sense to talk about its history and where it comes from.

It starts with “Plan-As-You-Go” instead of detailed, formal business plans
Lean Planning started with Tim Berry‘s 2008 “Plan-As-You-Go Business Plan” which was a new way for entrepreneurs to think about planning. Instead of encouraging entrepreneurs to focus on developing long and in-depth, static business plans, Tim advocated for a simpler approach:

1. Define your business identity: What’s your value proposition to your customers?
2. Determine your target market: You need to know and understand your customers.
3. Build an action plan: How are you going to validate your assumptions and measure progress?
4. Develop a forecast: Basic forecasts and budgets are critical; And tracking them is even more so.

The business plan should no longer be just a single event. Instead it should be a living tool that is revisited on a regular basis. “Plan-as-you-go” planning is about setting goals and objectives, defining accountability, and then revisiting and revising the plan as new information is discovered.

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Can the Business Model Canvas replace the business plan?
 

In 2010, Alex Osterwalder published his book, Business Model Generation, where he created a framework for what Tim called “business identity.” Osterwalder defined a template called a Business Model Canvas, for documenting business models. This form of planning condensed the business model onto one page and is most useful for high-growth, technically focused startups (think Silicon Valley).

We really liked the concept of condensing a business model onto one page, but as I worked with startups, small businesses, and academics, the tool provided to be not quite the right fit for all business types and difficult for small businesses to make use of the canvas without coaching. For example, many businesses have a difficult time arriving at their key value proposition without first thoroughly understanding the customer problem. Also, the “customer relationships” section didn’t seem to fit for many traditional businesses. Finally, while the Business Model Canvas asks for a basic list of expenses and revenue streams, it doesn’t help entrepreneurs determine if their company is truely financially viable.

Do startups have a manual?
 

Just this past year, in 2012, Steve Blank synthesized the ideas from his 1st book, “Four Steps to the Epiphany,” with The Business Model Canvas in his “Startup Owner’s Manual.” Blank’s main innovation here is what he calls Customer Development, which is a methodology for learning and validating market needs through detailed customer communication and follow up.

For us, this methodology made sense for high growth technology startups seeking to define and prove a new business model. But, it stopped short of the tracking and accountability that we really liked from “Plan-as-you-Go” planning.

Lean Planning is born
 

We felt that there was a need to pull all of these concepts together and create a methodology and set of tools that both startups and existing businesses could use – a tool set that would work for both Silicon Valley startups and Main Street small businesses. So, we developed the concept of Lean Planning, with it’s foundations in “Plan-As-You-Go” planning and incorporating the idea of documenting a business model in a simpler format so entrepreneurs could find success faster.

Lean Planning is made up of five core components:

1. Start with a pitch that defines your initial hypotheses.
2. Create an action plan with real accountability to test hypotheses and refine the pitch.
3. Build a financial model to prove that a viable business can be formed.
4. Flesh out the specifics with more detailed planning (as necessary).
5. Track your performance so you can spot problems and opportunities early.

Step 1: The Pitch
 

The Lean Planning methodology starts with a documenting your hypothesis with a pitch. The initial pitch is your best guess at the problem your business is solving, a summary of your solution, and an overview of your intended target customer. While similar to the Business Model Canvas concept, it’s a different approach that brings more focus to the problem that an entrepreneur is solving.

We’ve found that too many entrepreneurs fail because they don’t fully understand the problem they are solving. By making the problem statement a critical part of the business pitch, entrepreneurs are forced to tackle the problem they are solving head on.

In addition to “the problem”, the pitch contains an overview of the following:

• Solution
• Business Model (how do you make money?)
• Target market
• Team
• Competitors & Alternatives and your core differentiation

You can read more about what we include in the perfect pitch in our post on the topic.

Instead of the pitch just being a tool to present ideas to others, we believe that it should be a tool entrepreneurs use to validate their business idea. And, instead of being locked in stone, the pitch represents a set of assumptions about a business:

• Do the target customers actually have the problem that is defined in the pitch?
• Does the solution the entrepreneur is proposing actually solve the problem?
• Do the target customers want to pay for the solution? How much?

The pitch should be used to generate a set of questions that need to be answered and then revised on a continuous basis until most unknowns are removed.

Step 2: Build an Action Plan
Based on the first versions of the pitch, entrepreneurs should build an action plan. The action plan should be a list of milestones that focus on validating the assumptions that are defined in the pitch. Early milestones could include such things as conducting customer interviews, sending out surveys, researching physical locations, interviewing potential suppliers, etc.

The goal of the action plan is to validate assumptions and make the pitch a reality. As uncertainty is removed from the pitch, the action plan and milestones should become more about implementation, and less about validation.

As with all action plans, it’s critical to have accountability. Milestones should have dates and people responsible for completing them as well as regular review to make sure everything is on track.

Step 3: Develop a Financial Model
 

Even if you have a problem that’s worth solving, a solid solution to the problem, and a target market that needs your solution, you don’t have a business unless the numbers work out. The next step in Lean Planning is some basic forecasting and budgeting to ensure that a great idea can actually lead to a great business.

Yes, forecasting and budgeting does mean looking into the future, and no one knows the future (at least I don’t!). But, it doesn’t have to be as difficult as it sounds. Putting together some basic, bottom-up sales forecasts and a basic budget for expenses will quickly tell you if you have a business model that works – one that can create a viable business that will pay the bills.

At this stage, it’s important to NOT focus on putting together forecasts that paint an incredibly rosey picture. Instead, the sales forecasts should be as realistic as possible. Assume that not nearly as many people as you think will show up in your store. Assume that your website won’t get mainstream press coverage. If these things happen, do you still have a viable business? Can you turn a profit? If you can only be successful with incredibly high volumes of customers, you may need to take a second look at your pricing, expenses, and other aspects of your business model.

Step 4: Detailed Planning (as necessary)
 

With a pitch that has been refined by customer interviews and testing and a financial model that works, it’s time to flesh out additional details of your business. Your business is moving into operational mode and specific plans for marketing, sales, fulfillment, and partnerships are critical. You should also be reviewing your cash flow forecasts to understand how much money you need to take your business through its early stages.

The detailed plan does not have to be a lengthy, polished document. But, it does need to expand on the summary details that you developed in the pitch. For example, in the pitch you determined your target markets and how many people are in each market. Now, you need to understand how to reach these markets. What are their psychographics? How do you market to them? How will they find you? Your plan will need a marketing plan that details this, and more.

The detailed plan should also include an updated action plan. The action plan is no longer about testing assumptions, but now about how to get your business up and running. What do you need to do to get your doors open?

Step 5: Track your Performance
Both Silicon Valley startups and Main Street small businesses need to know how they are doing. Are they growing according to plan? Why or why not? If not, what changes need to be made? Should the plan change?

Tracking performance is the 5th pillar of Lean Planning. Beyond tracking key financial metrics such as cash, sales, expenses, accounts receivable, and accounts payable, businesses must track the other key metrics that are critical to their success. These other key metrics might be web site visits, foot traffic in the store, table turns in a restaurant, or any other core number that drives business success.

These metrics should be reviewed at least monthly in a regular planning meeting with key business partners and employees. This is when you refine your plan and your pitch if necessary and track your on-going action plan.

Lean Planning is planning faster with less writing
So, what’s “lean” about Lean Planning?

Eric Reis brought the lean methodologies popularized by Toyota in lean manufacturing to startups, advocating “minimum viable products” to test assumptions while growing a startup. His core ideas are about learning quickly (and failing quickly) to make early course corrections so that startups succeed faster.

Lean Planning is a methodology and toolset for planning faster so that entrepreneurs can start the planning process without the burdens of a creating a long document. The goal of Lean Planning is to help entrepreneurs discover business models that work and then grow the business successfully and track progress so course corrections can be made quickly.

Historically, business planning has not been lean. It’s been a lengthy “waterfall” process where entrepreneurs take months to craft a detailed plan without interacting with outsiders to validate their ideas. It shouldn’t be that way.

Business planning is not a single hurdle to clear to get your business up and running or a thick wad of paper to shove across a banker’s desk in order to get the funding you need. Instead, a real business plan is a tool to grow your business smarter, faster, and more profitably than the competition. It’s a tool help you identify a business model that will work – one that will grow a successful business that generates solid profits and solves a real customer problem. A real business plan is an operational tool to steer your business to success, not a one-time document that is quickly forgotten.

We think that the Lean Planning methodology makes planning easier, faster, and more useful.

We’re integrating the Lean Planning methodology into our LivePlan product and are excited about how it’s making ongoing planning a reality for entrepreneurs and small businesses

 

FOR MORE LEARNING VISIT How to Write a Business Plan

MSONGO MAWAZO(STRESS)

Msongo wa mawazo unaweza kukupelekea ushindwe kufanya shughuli zako za kila siku kwa ufanisi zaidi,kukufanya kupoteza hamu ya kula. Jambo la kufurahisha ni kuwa msongo wa mawazo unaepukika, leo nimejaribu kueleza  baadhi ya mambo ambayo yanaweza kukuwezesha kuepukana  kupata msongo wa mawazo.

                                 jizoeze kukabiliana na changamoto za maisha

Katika maisha huwa tunakutana na mambo ambayo hatukutaka kukutana nayo na pia tunashindwa kupata yale tuliyoyataka, karibu kila mtu huwa anapitia hali hii kwa namna moja au nyingine. Jifunze kukabili changamoto na sio kusikitika kwa nini mambo hayajawa kama ulivyotaka na kubaki ukisononeka. Jaribu kukubali mambo kwa busara zaidi, na utulivu huku ukitafakari nini cha kufanya ili kulipata lile ulilo kusudia. Changamoto iwe ni chachu ya wewe kuzidi kukazana na kujaribu zaidi

Usiwaze zaidi au usikae na jambo linalo kusumbua moyoni 

Pale unapokutana na jambo ambalo umeshindwa kulitatua ni vyema ukamshirikisha mzazi wako au mlezi, rafiki wa karibu, mume au hata mshauri. Jifunze kutokuweka mambo yanayokuumiza moyoni maana katika hali hiyo ni rahisi sana kupata msongo wa mawazo. Uwe na tabia ya kupeleka wasiwasi na hofu zako zote mbele za Mungu kwa maombi na pia kuongea na mtu ambaye unajua atakuwa msaada kwako

 Jali afya yako kiujumla

mara nyingi tunakuwa na shughuli nyingi kiasi cha kuusahau mwili na kuuchukulia tu kwa juu juu. Ni muhimu sana mwili wako uwe katika hali nzuri na afya bora ili uweze kufanya kazi zako vizuri na kwa wepesi. Hakikisha unakula chakula chenye virutubisho bora na pia unakunywa maji ya kutosha. Fanya mazoezi ya viungo mara kwa mara na pata muda wa kutosha wa kupumzika kila siku.

Pangilia mambo yako vizuri

 hakikisha unapangilia mambo yako na shughuli zako za kila siku,hii itakusaidia sana kuepukana na msongo mawazo  ,ni muhimu kuishi kwa mpangilio ,panga maisha yako vizuri usiishi au usiongozwi na matukio

jaribu kufanya mazoezi kula matunda

hii itauweka mwili wako vizuri na kukuepusha na msongo mawazo ,faida za matoezi tembelea link hii hapahizi ni faida za kufanya mazoezi uboreshe afya na maisha yako

mungu awabariki wote!!!!!!

hizi ni faida za kufanya mazoezi uboreshe afya na maisha yako

1. Mazoezi huboresha uwezo wa ubongo kuhifadhi kumbukumbu.

2. Mazoezi hupunguza msongo wa mawazo.
3. Mazoezi hukufanya uchangamke na kuwa shupavu.

4. Mazoezi huboresha ufahamu wako, uwezo wa kuelewa na kufikiri mambo katika mazingira yanayokuzunguka
5. Mazoezi huimarisha moyo hivyo huepusha maradhi yatokanayo na mapigo mabaya ya moyo. (Body exercise prevents and reduces cadiovasicular diseases)

6. Mazoezi humfanya mtu ajiamini kwa kupunguza stress, tension, wasiwasi n.k

7. Mazoezi hupasha mwili joto hivyo husaidia kuzuia na kupunguza baridi.

8. Mazoezi husaidia kuweka sawa kiwango cha cholesterol na mafuta yaliyopo mwilini. (Physical exercise burn more calories)

9. Mazoezi hushusha kupanda kwa shinikizo la damu. (high blood pressure)

10. Mazoezi hupunguza uwezekano wa mtu kupata baadhi ya maradhi ya saratani. (Reduces risk of getting breast cancer and colon cancer)

11. Mazoezi humsaidia mtu kuondokana na baadhi ya matatizo ya akili.

12. Mazoezi huongeza hamu ya mtu kutaka kula.

13. Mazoezi hupunguza uzito wa ziada wa mwili na kufanya mwili wako kuwa mwepesi.

Kwa ujumla mwili wako uliumbwa kwa ajili ya kufanyakazi (manual labour) kama vile kusukuma,kuvuta, kubeba, kutembea, kuruka,kuimba, kucheza, kusakata rhumba,kuinama, kuinuka, kukimbia, kukusanya,kupanda (climb) kuwinda nk.Tunapofanya kazi yoyote kimwili ubongohuweza kutoa aina za kemikali(endocrines) ambazo hutuwezesha kuji-balance na kutupa hisia za kuwa wellbeing.Unajua kuna watu wabishi inawezekanana wewe msomaji ni mmoja wao, hivi nilini umefanya zoezi? na kwa nini hufanyimazoezi?

KAMA UNACHOCHOTE CHA KUCHANGIA,AU TANGAZO USISITE KUTUANDIKIA KUPITIA barakamuss75@gmail.com au  whatsup +255754251804

   

karibu comments,like, vijana wanahitaji maoni yako welcome all 

How to lead people older and senior to you

Sometimes you find yourself in a rather difficult situation, where you have people older and more experienced than you, reporting to you.

Or perhaps you have been asked to lead a project and there are team members who are senior to you.
Maybe you feel awkward and intimidated.

How can you effectively lead and manage people who know more than you, or are senior to you?
Why should they take direction from you

What is leadership and management?

Well let’s consider what we are doing here. The definition of management is achieving things through other people.
There are many theories and models of leadership, and leadership styles, including John Adair’s Action Centred Leadership, which focuses on Achieving the Task, Developing the Team and Developing Individuals
So your task here is three fold;-

1. Achieve the task; -Ensure the team’s task, project or workload is completed on time, within budget. So you are managing the resources at your disposal.
2. Develop the team-make sure the team work together to achieve the task. Establish performance standards, monitor performance, give feedback, facilitate communications, encourage the team to deliver objectives.
3. Develop the people -assist and support individual team members, develop their skills, provide training if required, encourage them to reach their potential

   Think about their reasons

   In the situation where you have older people as direct reports it is worth considering why that situation has arisen. Perhaps there is a formal hierarchy, and they are not suitably qualified to move up to the position you hold. For example you are a qualified Solicitor, Accountant, Nurse, or Buyer, and this person is your secretary or assistant.
   They will have come to terms with that long before you came on the scene-your job is not open to them.
   Maybe they have chosen to stay in their position and not tried for promotion. Or perhaps they have caring responsibilities and value the fact that their job level does not require them to work late, take work home, work weekends, and travel.
   Again, they have made a choice and they should have come to terms with that

   What if they wanted your job?

   The problematic situation arises when they have applied for the position that you hold and were unsuccessful. They may not be well disposed to you, and unwilling to cooperate fully with you.
   In this case all your interpersonal skills will be called into play. You should behave professionally at all times, treat everyone with respect, and prove your ability to perform better than them.
   |After all you were selected because the management thought you were better than internal candidates. Now you need to demonstrate that.
   The danger here is that a vindictive person may withhold information, or even provide misinformation. Consider carefully the facts they provide, and keep your wits about you!!
   In all cases, concentrate on the three elements of your task, and behave in a professional way.
   The best way to deflect any potential conflict is to lead the team to a great result !
   
   
   
   
   

Business Continuity Management

Business Continuity Management (BCM) usually involves having a contingency plan in place should disaster strike, to ensure that essential functions can continue during and after the disaster, and to minimize the disruption by avoiding the impact of an unplanned interruption of service,

One of the most well-known precautions that companies take is to have off- site IT back up. But this is only the first step that most companies will need to take.

The objective is to prevent interruption of critical functions and to return to normal functioning as soon as possible. It is impossible to envisage and guard against all the potential events that could interrupt business as usual. So the key to effective planning is to consider the loss or non – availability of key resources, no matter what the cause.

First of all the critical functions and processes necessary to keep the business running need to be identified. Each business critical function should have its own contingency plan, independent of the others, which allow for it to maintain essential services.

The plan describes how the organization will deal with a disaster and the precautions it takes to minimise the effects and allow the business to return to normal

Developing the BCM plan

A Business Continuity Management Plan sets out clear roles and responsibilities, nominating staff assigned to manage liaison with customers, employees and the emergency services.

It lists contingency plans to enable key business activities to continue in a crisis and also details emergency procedures to ensure employees’ safety.

To develop the BCM plan, the management team need to identify the parts of the organisation that they can’t afford to be without. Depending on the business, this may include maintaining information, stock, offices or other buildings, protecting staff, accessing key pieces of equipment, or the ability to communicate with remote teams delivering a service.

The team first need to identify the business’ key products or services, and the critical activities and facilities required to deliver them without interruption.

Then they will need to identify the risks to the critical activities and facilities, and then consider how they can maintain these critical activities in the event of different types of crisis

Minimum the BCM plan should include

The BCM plan should include;-

• BCM plan leader – name and contact details
• Nominated management team who will make key decisions
• Team members contact details
• Nominated meeting point
• List of business critical functions, with summary of necessary details
• Recovery plan outline
• Arrangements for Telephone diversion
• Employee’s Emergency contact numbers, next of kin names and contact details
• Resources required, with appropriate details e.g. staff, work area, IT, telecommunications
• Contact details for agencies nominated to support recovery e.g. outsourced third parties
• Address of nominated recovery site if applicable
• Contents and storage location of any offsite disaster pack, or IT back up, vital records, any offsite records
• Contact list of major customers, suppliers, and subcontractors
• Team cascade list, to allow dissemination of information to staff
• Network infrastructure plans, factory floor plans, any other technical information
• Any specific risk hazard, such as chemicals in the factory

 

 

 

IPI HISTORIA YA UJASIRIAMALI????

Historia ya Elimu ya Ujasiriamali

Asili ya elimu ya ujasiriamali katika vyuo na vyuo vikuu ilianzia Marekani ambapo kozi ya kwanza ya MBAilianzishwa mwaka1947 katika Shule Kuu ya Biashara ya Harvard chini ya kichwa cha habari “Uendeshajiwa Biashara Mpya” (Katz 2003). Kuanzia miaka ya 1980 na kuendelea, elimu ya ujasiriamali ilianza kuenea kwanza Ulaya Kaskazini, na kisha kuenea katika sehemu za Ulaya ya Kati na Ulaya ya Kusini katikamiaka ya 1990. Elimu ya ujasiriamali baadaye ilienea katika sehemu zingine za dunia. Kimataifa, Amerikaya Kaskazini ndio mfano wa kuigwa katika ustawi wa miradi na pia Amerika ya Kaskazini ni kiongozikatika elimu ya ujasiriamali. Hakuna asiyejua mchango mkubwa wa kiuchumi wa Kampuni ya Microsoft, Amazon, Intel, Cisco au Google na makampuni mengine yenye ustawi mkubwa huko Marekani.Ukilinganisha na nchi zingine, Marekani ndiyo nchi yenye historia kubwa katika elimu ya ujasiriamali, napia ndiyo nchi yenye mpangilio, utamaduni na mazingira rafiki ya ujasiriamali kuliko nchi yoyote duniani(Kourilloff, 2000).Nchini Tanzania, elimu ya ujasiriamali haikuwepo enzi za ujamaa wakati wa Azimio la Arusha.Wakati huo Watanzania walisadikishwa kuchukia kila kitu kinachohusiana na ubepari, ujasiriamali ukiwemo.Mjasiriamali alichukuliwa ni kama shetani na alilinganishwa na mnyama katili wa mwituni. Msemo“Ubepari ni Unyama” ulisikika kwenye radio kila baada ya taarifa ya habari. Ujasiriamali uliwavutia tu waleambao walichukuliwa kuwa ni watu waliopotoka kimaadili. Watumishi wa umma walizuiwa kujishughulisha na biashara (Rutihinda, 2002). Kwa kuwa karibu watumishi wote wa umma walikuwa ni Waafrika, hiiina maanisha kuwa shughuli za kibiashara zilibaki kuwa za Watanzania wenye asili ya Asia pamoja na walewazawa ambao walikuwa hawana ajira katika ofisi za umma. Watu wa aina hii walikuwa ni wale ambaohawakuwa na kiwango kikubwa cha elimu (Olomi, 2009). Hata hivyo, maendeleo ya hivi karibuni katika

MABADILIKO ENDELEVU

                      GO WITH CHANGES,CHANGE WITH CONTENTS

Ulimwengu unabadilika kwa kasi kubwa. Kwa hakika jamii yoyote ambayo haijajiandaa kikamilifu kuendana na kasi ya mabadiliko hayo, kuna uwezekano wa kuwa jamii yenye kutegemea misaada. Jamii hiyohaitakuwa na mbadala zaidi ya kutembeza bakuli kwa ajili ya kuomba chochote. Na cha kusikitisha zaidi,hali hii haitaathiri kizazi kilichopo tu, bali hata kizazi kijacho ambacho hakitakuwa na uwezo wa kulipamadeni yaliyokopwa na baba zao. Kwa hali hiyo, laana ya utamaduni wa kuwa ombaomba itaendelea kuwepo kwa vizazi hadi vizazi kwa kuwa mtoto wa ombaomba ni ombaomba pia

 ONA MAAJABU:wanaomba hadi msaada wa kujengewa choo cha familia??

Tafiti zinaonesha nchi nyingi zinazoendelea ikiwemo Tanzania kwa mfano, zimejaliwa raslimali ambazo zinaweza kubadilishwa kuwa mali. Lakini suala ni jinsi ya kuzigeuza raslimali hizo ili kuwa vitu halisi. Elimu isiyofaaimeelezwa kuwa ndiyo kikwazo kikubwa kinachokwamisha kuzibadilisha raslimali hizo kuwa vitu halisi.Elimu ya Tanzania inasemekana kuwa ni elimu inayowaandaa watu kuwa waajiriwa wa maofsini, japokuwanafasi za kazi ni chache ukilinganisha na idadi ya watu wanaotafuta kazi za kuajiriwa. Kwa ufupi, elimuyetu haijengi ubunifu na udadisi ambao ungewawezesha watu ama kujiajiri (ujasiriamali) au kuzipanuafursa za ajira ambazo zingewawezesha watu wengi kupata ajira. Fursa za ajira hazijatumiwa kwa kiwangokikubwa kiasi cha kuweza kuwachukua watu wote wenye sifa za kuajiriwa. 

MAFANIKIO YAPO KATIKA KUDHUBUTU

WATU WANAJIULIZA NI IPI SIRI YA MAFANIKIO??
 Watu wengi wanajiuliza, “Siri ya utajiri  katika utajiri?” Jee ni mbinu gani zinaweza kumsaidia mtu kupata utajiri?
 Siri kubwa ya mafanikio ya  utajiri ni kujifunza elimu ya namna ya kutafuta mtaj na kuweza kusimamia vyema mtaji unaopatikana , kuwekeza kuwa na busara kwa namna ambayo daima panakuwa na ziada na faida.
Inabidi utambue pia   elimu hii haifundishwi darasani ila wanayo watu wachache na kila anaye itumia humsaidia kufikia mafanikio katika maisha.  kwa bahati nzuri napenda kuwaelesha vijana wenzangu juu ya siri ya utajiri na mafanikio

•   Siri ya kwanza ya kuelekea mafanikio

 Siri ya kwanza katika mafanikio ni  kubuni mradi unaoliipa, yaani unaoweza kuitoa ziada na faida.hapa inakubidi ufanye utafiti juu ya mradi au biashara inayo lipa itakayo endana na mazingira yanayo kuzunguka

• Siri ya pili ya kuelekea kwenye utajiri ni kujifunza na kujenga tabia ya kuweka akiba 

kujifunza kuweka akiba vyema na kusimamia vyema matumizi yako ya pesa ,kutunza akiba kutakusaidia kupata ziada 

• Siri ya tatu ni kuwekeza fedha hizo za akiba katika vitega uchumi ambavyo vinazalisha faida endelevu.

•   Siri ya nne ni kujifunza namna ya kufanya biashara na kuanzisha biashara yako ili iwe indelevu