TIPS TO SOLVE FINANCIAL CRISIS

The fear of being hit with a miserable incident that could change your financial condition, like losing your job, impoverishment, or a sudden medical emergency, can be a nightmare for anyone. Such miserable events require you to make major changes in your life and the revitalization period is incredibly stressful. Often, it is the result of a lot of trifling constant worries building up to one huge breaking point, and then all of a sudden everything rushes through, constructing a tidal wave of anxiety and fear and stress.
However, your financial crisis can be remedied by regaining your self-control and taking solid actions. The financial benefits of dealing with financial crisis—saving more, paying down debt—will improve not just your self confidence, but your overall mood as well. The less you worry about dealing with finances issues, the more you can enjoy life. You may consider your circumstances as unique, but many people around the world have walked this path before you. The road to financial revival is shabby but the steps to return after the financial disaster are well-proven.
So let’s get started with some useful tips that will help you to get motivated to take control of your finances:

1.  Identify the Problems

The first step to overcoming financial crisis is to identify the primary problem that is causing difficulties. Financial problems are generally an indication of a larger issue and to come up with long run solutions, you have to identify the actual cause of your financial troubles. The idea behind the importance of uncovering a specific problem is to come up with a permanent solution. Just like a leaky tap in your house; placing a bucket below it is a temporary solution. Fix the tap and the leak will stop permanently. Rather than dwelling on your stress, focus on resolving the problem that’s causing your financial problems.

2. Create a Budget

One of the best ways to deal with financial problems is creating a budget plan. A budget is a weekly, monthly or a yearly spending plan for your money that guides your spending decisions on important stuff for you. As you create your budget, it’s important to track your expenses for at least a couple of weeks (a month is best) to objectively see where and how much you are spending.
Once you are able to get realistic numbers from your budget, you can review your budget critically and seek out areas where you can save. Things like spending less on eating outside, spending less on entertainment or hobbies, taking lunch from home to work rather buying it are things that don’t make you miserly or restrict your budget. They just allow you to go after bigger things with less stress, like paying off your mortgage.

3. Set Financial Priorities

Determining your financial priorities is essential to overcome any financial crisis. These priorities help you to make tough financial decisions such as paying off your credit card bill, paying your mortgage or saving up for house repairs for your family; setting priorities will help you solve your money troubles and get back on track. Your financial priorities should include looking into new ways to have money coming in too, like a second job, downsizing your home, or even using assets you have like a mortgage to leverage financial flexibility for yourself.

4. Address the Problem

For most people, financial problems can be addressed by reducing expenses and increasing income, or a little combination of both, but it might be not be the ideal option for everyone. For humans, changing lifestyle is the most difficult task, but given the money crisis situation, we are forced to make changes.
So to deal with it, take small steps to accomplish your goals because big changes are always much harder. For instance; if you’re running $50 short every month, then perhaps you should first pay off a small credit card debt that requires a $50 minimum payment each month. By taking small steps get the card paid off, and then permanently have $50 extra to use in your budget every month or use it for the payment of another debt, and get all of your debts paid off more quickly.
This methodology is called the “snowball effect”; putting all extra money towards one debt to pay it off faster and then use the extra amount towards eliminating the next debt. It is very useful method for paying debts off faster.

5. Develop a Plan and Track Progress

Once you have ideas to tackle your financial difficulties, come up with a realistic plan to accomplish your financial goals with a timeline of weeks, months or years and track your progress continuously. For example, if your goal is to pay off a $2,000 debt, make a plan and create a timeline with the amount of money you will pay every month so that you can pay it off within your desired time frame. Once you are on the road to achieve it, take a few minutes to review the progress. Evaluate and assess your plan, see if you are making progress toward your goals and be open to the possibility of fine-tuning the plan

“High expectations are the key to everything.”

13 Top Billionaires’ Tips on Positive Thinking—and Why It Matters

Leadership Money Productivity Quotes Self-education Successby Nick Bastion

In popular culture, people know that they are supposed to “think positive.” We all sort of know that we should scotch-tape affirmations to our bathroom mirrors and say “I love you” to ourselves, and keep our chins up (presumably while reading those mirror-stuck affirmations)
But why?
Well, on the surface of it, if you think positive, you’re not thinking negative, and therefore, you’re not grumpy and depressed. That’s a pretty good reason on its own. After all, who else but a poet or an emo musician wants to be grumpy and depressed?
But research shows that there are very real and measurable benefits to consciously cultivating and maintaining a positive, optimistic view on life.
The Mayo Clinic has proved conclusively that optimists have lower levels of cardiovascular disease and longer life-spans. Furthermore, they found that pessimists’ health deteriorated more speedily as they aged.
Researchers at Yale and the University of Colorado discovered that pessimism is correlated with a diminished immune response to tumors and infection.
Dr. Martin Seligman, the founder of Positive Psychology, has done landmark work that shows that positive, optimistic people have deeper and broader social networks, are more effective communicators, and are more resilient, seeing failure as a learning experience rather than as a confirmation of their ineptness, and therefore they believe they can do better in the future.
Moreso, in a broad study of insurance salespeople, he found that the optimistic ones sold 37% more policies than pessimists, who were twice as likely to abandon their career during their first 12 months of employment.
Seligman gives guidelines on how to cultivate optimism for those of us who have developed negative habits in his book, Learned Optimism.
But you don’t have to only look at the research to see that a positive outlook on life and optimism breeds success. When you look at the lives of billionaire innovators, you see that a positive mindset keeps the minds of the highly successful focused on what is possible rather than on what blocks them; on alternatives rather than on roadblocks; on creative solutions rather than on blame.

1. Imagine you’re on the threshold of success.

Andrew Carnegie, though often viewed as a shrewd and tight-fisted Scotsman, was actually a veritable starburst of sunny optimism.

“Think of yourself as on the threshold of unparalleled success. A whole, clear, glorious life lies before you. Achieve! Achieve!”

Carnegie, who famously hired Napoleon Hill to gather up the wisdom of the rich and powerful in a project that produced the book Think and Grow Rich, grounded his optimism in utter 100% responsibility in his own internal resources.

“Immense power is acquired by assuring yourself in your secret reveries that you were born to control affairs.”

Positivity gives the mega-successful the internal fuel to power through downturns and what others would call failure.

2. Keep moving forward.

Mark Zuckerberg veritably defined our fast-paced innovation culture with his most famous quote:

“Fail fast and break things.”

3. Think like a queen.

Or in Oprah’s words:

“Think like a queen. A queen is not afraid to fail. Failure is another stepping stone to greatness.”

4. Failure isn’t the end; it is the beginning.

Failure among billionaires is understood to be part of the creative whirlwind that is the very life of business. Success in not an endpoint. It’s merely a link in the continuing spiral.

“Failure is just a resting place. It is an opportunity to begin again more intelligently.”
– Henry Ford

“I have not failed. I have just found 10,000 ways that won’t work.”
– Thomas Edison

5. Abundant chance is all around you.

Sheldon Adelson, the toilet-kit salesman come multi-billionaire mastermind of the Las Vegas Sands Corporation expresses the optimistic mindset that failure is not only necessary, but that opportunity is unlimited.

“For me, businesses are like buses. You stand on a corner and you don’t like where the first bus is going? Wait ten minutes and take another. Don’t like that one? They’ll just keep coming. There’s no end to buses or businesses.”

6. Find the courage to continue.

Optimism may come easy to some. For others, it’s the cultivated result of another quality, which Churchill identified as courage:

“Success is not final, failure is not fatal; it is the courage to continue that counts.”

7. Own your mistakes—

Optimism and positive thinking feed our courage. Courage need not be heroic. Rather it may merely be the cool-headed outgrowth of a positive belief in yourself.
When Howard Schultz discovered that one of his most costly innovations had utterly flopped and cost the company nearly $100 million, he walked into his boardroom, looked his board in the eye and said, “Tactical mistake. Next.” No hand-wringing. No self-loathing. In fact, his entire ethos is summarized in the title of his memoir, “Onward.”

8. —and then move on.

Similarly, Steve Jobs:

“Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations.”

Jobs elaborated on his philosophy by applying his belief in innovation not only to his work, but to himself as well.

“If you want to live your life in a creative way, as an artist, you have to not look back too much. You have to be willing to take whatever you’ve done and whoever you were and throw them away.”

An optimist is open to the adventure of self-growth, and doesn’t cling to the past or present as a pessimist might, believing things can only get worse.

9. Trust your hard work.

Optimism is akin to faith, not merely in yourself but in something greater than yourself. Jobs, a noted mystic, put it this way:

“You can’t connect the dots looking forward; you can only connect them looking backward. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.”

10. Seek to help others.

Billionaires optimistically believe in a better world and see their efforts as contributing to it. As Peter Diamantis observed:

“The best way to become a billionaire is to help a billion people.”

Sergei Brin, Co-Founder of Google, when asked what really drove him, and what spurred his company to its stratospheric growth, replied:

“I would like to see anyone be able to achieve their dreams, and that’s what this organization does”

11. When in doubt, don’t be evil.

In fact, Google’s well-known slogan “Don’t be evil” stemmed from nothing other than a profoundly positive intent:

“We have tried to define precisely what it means to be a force for good—always do the right, ethical thing. Ultimately, “Don’t be evil” seems the easiest way to summarize it”

12. Have high expectations of yourself.

Billionaires often seek to create something great. Some are driven by the desire to have a great impact. Others just expect that greatness is before them. As Sam Walton says:

“High expectations are the key to everything.”

13. Be relentless.

However, this doesn’t mean that billionaires go about their businesses like starry-eyed Pollyannas. Kazuo Inamori, a Japanese entrepreneur who founded two multi-billion dollar companies claims that while developing a new product or strategy, you begin optimistically.
However, once the planning stage begins, he says you must “become a pessimist” in order to spot every obstacle in the way. Then, he says, he returns to optimism for the execution phase.
In the end, billionaires teach us that optimism is not a gift. It is a strategy.

NEVER STOP LEARNING

In order to succeed, your desire for success should be greater than your fear of failure”-Bill Cosby
What quality do you think differentiates the winners from the losers? Why are some people so successful in reaching their goals while others can’t achieve them? Because of their mindset, beliefs, and habits. Your brain is the first keystone to success. The second is your everyday actions, your daily habits. This list consists of 14 habits and beliefs that characterize phenomenally successful people—14 things that can transform your life as soon as you put them in your arsenal. If you want to become successful, you should get some paper and start taking notes.

1. They Know That Time Is Their Most Valuable Asset

They don’t let others make them invest time in activities they consider boring and counter-productive to their self-development. You shouldn’t do that either. When you think that something is a waste of your time, don’t do it. Your time is an asset that IS NOT INFINITE. Nobody on this planet has unlimited time, yet people tend to spend their time like garbage. The first thing you MUST DO if you want to change your life, become more successful, and achieve your goals is to change your perception of time. Realize that your time is not infinite and that you should spend it wisely, because it doesn’t come back.

2. They Step Out Of Their Comfort Zone

The only path to personal growth is doing things that make you feel awkward. When all you do is walk inside your comfort zone, you can’t grow as a person. You stay static because your activities can’t change you. If what you do doesn’t challenge you, if it’s not uncomfortable and difficult, then you should raise your standards and increase the game difficulty. You can’t build muscle if all you do is lift feathers. You have to lift heavy rocks.

3. They Create & Pursue Specific Goals

Most people don’t have goals at all. They don’t know what they want to do in their lives. They are just walking around like zombies. Would you ever take your car and start driving endlessly without knowing where you are going? Well, of course not. So why are you doing the same with your life? This is not a game, you don’t have 8 lives, only one. Setting up goals and having a destination is essential if you crave success. But that’s only the first step. The second step is to take these goals and make them specific. A goal like “I want to lose weight” isn’t specific. A goal like “I want to lose 15 pounds in the next 3 months” is what you should have in your mind.

4. They Focus on Small Continuous Improvements

Most people try to achieve overnight success. They want results instantly! Those who succeed in life know that things take time. How much time will it need? It takes as long as it takes. There is no certain period of work that guarantees success. Instead of trying to get rich in one month, you should focus on making little daily improvements. These improvements add up as the time passes, and after months or years of daily commitment, the progress is HUGE. That’s what every successful person does. Unfortunately, people can’t see the daily effort, as they only see the final outcome. Don’t ignore the progress. It might take some time, but it will be worth it. Focus on getting better every single day instead of trying to achieve a huge leap forward in just a week or so.

5. They Dress to Impress

When you dress like a winner, people tend to respect you more. In psychology, this is known as The Halo Effect. In particular, people tend to make a perception of your whole character based on a single quality that you have shown them. If you look great and you take care of your appearance, then people assume that you are someone who deserves their respect—someone who is also successful, reliable, and kind. When Aristotle Onassis went to America, before becoming a millionaire, he spent all his money to buy clothes that would highlight his style and class. If Onassis gave such importance to his physical appearance, I don’t see any reason that you shouldn’t do the same.

6. They Maintain a Positive Mindset

Your thoughts are the brush that paints your destiny. Successful people think positive and don’t look at their disadvantages. They fight with what they have and always seek improvement. But this improvement can’t come if your mind is continuously occupied by negative thoughts and stress. Positive thinking has been found to reduce stress and, according to Mayo Clinic, it also offers benefits like:

• Increased life span
• Lower rates of depression
• Better psychological and physical well-being
• Reduced risk of death from cardiovascular disease
• Better coping skills during hardships and times of stress

7. They Embrace Failures

Phenomenally successful people carry the belief that failures are the stepping stones to success. Each failure yields rewards bigger than a win because it can offer you an invaluable life lesson. Start seeing your failures as an opportunity to become better instead of letting them bring you down and disappoint you.

8. They Surround Themselves With Winners

Jim Rohn has said that “you are the average of the 5 people you spend the most time with.” People with who you associate play a significant role in your life because they form your lifestyle and beliefs. If you are around people who are full of negativity, you won’t be able to maintain positive thoughts. On the other hand, if you are around people who write down their goals, focus on daily improvement, and dress to impress, you will be pushed to become the best version of yourself. Surround yourself only with like-minded people who have big dreams and are eager to take the necessary steps to achieve them. They will take you to the top with them.

9. They Don’t Seek The Perfect Moment, They Make a Random Moment Perfect

What are you waiting for? The right moment will never come. The circumstances will never be ideal, and if you wait for tomorrow to get started, it will never come. Tomorrow is just an excuse for inertia. There is no perfect moment. What matters is to get started as soon as possible and make the best out of what you have.

10. They Don’t Brag, They Listen

Successful people are ALWAYS eager to learn new things. They ask questions and they listen carefully to other people’s advice. They usually don’t talk too much because they are focused on listening and processing information. On the other hand, losers always speak about how much they know and how amazing their accomplishments are. They are so blinded by their need for acceptance that the only thing they care about is to brag about what they know. And in most cases, they just talk the talk. They don’t walk the walk.

11. They Know That Education is a Constant Process.

Do you believe that you should stop learning when you finish school or college? If the answer is yes, then it’s crucial to change that belief before it’s too late. Education shouldn’t stop at school or college; you should learn new things every single day. It isn’t a coincidence that the most successful people are those who have read countless books and have spent a lifetime acquiring new skills.

12. They Help Other People

Success isn’t about caring for your selfish needs. It’s about caring for the needs of others. EVERY successful person accomplished his goals because what he did really helped others in some way. Mark Zuckerberg gave the world a tool that made it easy to connect with their friends. Larry Page and Sergey Brin gave world a system (Google) that made it easy to find unlimited information in milliseconds. Famous singers and actors help people by fulfilling their emotional needs. If you want to succeed in life, you shouldn’t focus on yourself, you should focus on how you can improve other people’s lives!

13. They Have The Courage to Say NO

This is actually a quality that really separates the winners from the losers.When you are not afraid to say no, you have already avoided the need to please everyone. Trying to please everybody is impossible and can only lead to disappointment. When you don’t want to do something, just say no without apologizing for your decision.

14. Successful People Take Ownership Of Their Actions

Most people make the mistake of pointing fingers to others for their faults. They never accept responsibility for their actions and always believe that someone else is responsible for their misery. Targeting others for your frustrations won’t help you achieve your goals, it can only hurt other people’s feelings or even create enemies. In fact, your actions or your inertia is what actually determines the quality of your life. Blaming others is just an excuse to avoid the hard work needed to change your life. Stop blaming others and take care of your future, because it depends only upon YOUR ACTIONS.
Set a goal for yourself
"Failure is unavoidable in our lives. But if I can learn something from it every time, the chance of success will only increase

JIFUNZE NAMNA YA KUFANIKIWA KATIKA MAISHA

Soma njia 8 za kuwa huru na maisha yako.

1. Usijisikie vibaya unaposhindwa kufanya vizuri katika jambo lolote.

Unaweza kuwa umefanya vibaya sana katika kazi au mitihani uwapo shuleni, usife moyo na kukata tamaa. Ni kawaida mtu kushindwa kufanya vizuri, kila mtu ana udhaifu wake mahali fulani hivyo ukijipanga upya na kuongeza bidii katika kujifunza wapi umekosea na wapi unahitaji kutilia mkazo zaidi hapo baadae utaweza kuwa hodari na mahiri kwa kile ulichokifanyia kazi. Chukulia mapungufu yako kama ni mwalimu wa kukuonyesha makosa na udhaifu ulionao ili ujirekebishe na kuwa mtu bora.

Soma pia: Sababu 5 za wewe usikate tamaa

2. Usijutie sana kukosa nafasi au fursa ya kupata kitu ulichotegemea kupata.

Inatokea hukubahatika kupata nafasi ya kuonyesha uwezo wako kuwa unaweza kufanya kitu fulani au kuonekana unastahili. Penye watu wengi wenye nia moja kila mtu anategemea kushinda kama wewe.

Mfano: Kazini wakati wa kupewa "promotion" au "bonas" kila mfanyakazi anapenda kutunukiwa zawadi hivyo haiwezekani wote mpate japokuwa unastahili. Hivyo katika hali ya watu wengi kutegemea kupata kitu kimoja jifunze kuelewa kuna kukosa au kupata. 

Kujua zaidi: Soma Jinsi ya kutumia fursa zilizopo katika ajira ukiacha mshahara

3. Usikose kuwa na imani na watu.

Kuna hali ambayo ni ya kawaida kuwa na mashaka na mtu juu ya utendaji wake wa kazi au namna alivyo. Hofu yako inapozidi ni vigumu kuridhika na kazi au jambo lolote atakalofanya mtu mwingine. Kama una mashaka na mtu ni bora ukamweleza jinsi unavyotaka mambo yawe au mtafute mtu mwingine unayefikiri anawezafanya utakavyo. Hakuna mtu awezaye kufanya mambo yote mwenyewe, kugawana majukumu na kushirikiana kwa pamoja ndio mafanikio ya kuwa na mahusiano bora na utendaji mzuri wa kazi.

4. Usifikirie sana kuhusu maisha yako ya baadae kuwa mabaya.

Hakuna sababu ya kuwa na mawazo hasi (negative thoughts) kwani maisha ni safari ndefu na hubadilika kila siku kwa kadri utakavyojitahidi kupambana na maisha yako.

Ikiwa una matumaini kuwa mambo yatakwenda vizuri na kujitahidi kutafuta maisha yaliyobora kwako ni wazi kuwa utashinda. Katika maisha hakuna hali ya kudumu hivyo mambo hubadilika. Muhimu ni kujituma kwa bidii bila kuchoka au kukata tamaa.

        Don't be afraid of going slow. Be afraid of standing still."

5. Usiwaze sana kwanini watu hutenda mabaya.

Duniani kuna watu wa kila aina, kwa maana ya kila mtu ana tabia au hulka yake. Kuna watu wabaya na wazuri. Kwa kulijua hilo tegemea kukutana na watu tofauti tofauti katika maisha yako. Amini kuwa kuna watu wengi wazuri lakini sio wote, hivyo uasi au ubaya wa mtu usikufanye uhuzunike au kubadilisha mtazamo wa maisha yako kwasababu unastahili kuishi kwa amani, upendo na furaha.

Makala nyingine ya kupitia: 32 Tips for living a happy and rewarding life

6. Usitamani kupita kiasi mafanikio ya mtu mwingine au kujilinganisha sana na watu wengine waliokuzidi uwezo katika nyanja fulani.
 
Kutamani ni chachu ya maendeleo lakini tamaa inapozidi hukufanya ukose msimamo wa namna maisha yako unavyotaka yawe. Kama mwenzako ana mafanikio makubwa na umevutiwa na maendeleo yake ni vyema ukajifunza kutoka kwake.

Hatuwezi wote kuwa na mafaniko makubwa kama matajiri wa dunia lakini tunaweza kuwa na mafanikio makubwa yaliyo bora kimaisha kulingana na matakwa yetu. Ni vyema ukawa na ufafanuzi wako wa nini maana ya mafanikio kwako iwe ni kuwa na pesa nyingi au mali tele, maendeleo binafsi ya kujiimarisha kitabia, kimahusiano n.k. Unauwezo wa kufanikiwa chochote kile unachotaka lakini itategemeana na jinsi utakavyojipanga na kujibidiisha katika utafutaji.

7. Usiogope kushindwa kwasababu wengine walishindwa au walikumbwa na matatizo.

Kila mtu ana njia yake kimaisha, hakuna sababu ya kuwa na wasiwasi utashindwa ikiwa unajua kitu unachofanya sio kibaya au hakitadhuru maisha yako. Kuna mambo ya kuogopa lakini sio yote, wewe ndiye mwenye maamuzi ya nini ufanye na nini usifanye. Jaribu na ushindwe, thubutu kutenda na ushindwe lakini usife moyo na kuogopa kujaribu.

8. Usifikirie watu wengine watakuonaje iwapo utaamua kubadilika au kufanya maamuzi yako.

Wewe ndiye mmiliki wa maisha yako, rubani wa maisha yako na una kila sababu ya kufanya maamuzi unayoona yanafaa kuhusu maisha yako. Huwezi kuwa mtu bora pasipo kubadilika, huwezi kufanya mambo yenye manufaa kwako ikiwa huna maamuzi na maisha yako.   

Unaweza soma pia: Siri ya kuishi maisha yenye furaha

Unapodiriki kubadilika, mwenye nafasi kubwa ya kuamua nini ufanye ni wewe. Watu wengine wanaweza kukushauri , kukusihi na kukueleza watakayo lakini mwenye maamuzi ya mwisho ni wewe. Usiogope kufanya maamuzi yako binafsi ikiwa unajiona upo sahihi kwa kile unachoamini ni sawa.

        Worring changes nothing, you better decide to act or keep calm.''

Kumbuka wasiwasi haubadilishi chochote, ni bora uamue kuchukua hatua au uwe mtulivu.

KAZI NI MUHIMU

Ni kazi kupata kazi, na ukiona ni kazi kufanya kazi, basi acha kufanya kazi uone kazi ya kukaa bila kazi ilivyo kazi kuliko kazi yenyewe inayoweza kubadili maisha yako ya kazi

BONYEZA HII LINK BARAKA CHATTING,KISHA SHARE NA WENZAKO

karibuni katika click  chatting(2daysky),join today

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

This Is How You Can Develop A Highly Successful Mind

SOMA ZAIDI KWA KU CLICK  HAPAUBONGO WENYE MAFANIKIO

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.”

 DO YOU LIKE IT COMMENTS,SHARE OR LIKE....

UNGANA NA MSHAURI WA MASUALA YA UCHUMI DUNIANI

click hapaPAUL ZIEGLER FINANCIAL ADVISOR

MTEJA NI MFALME,MKARIBISHE VYEMA..........!!!!!!!

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

"Thomas Sankara once said “You cannot carry out fundamental change without a certain amount of madness”. Uwendawazimu ,,,,ssoma zaidi kwa ku click hapa    by zitto kabwe,MWAMI RUYAGWA

click here to learn more about cyber security  Take Your First Step To A Cyber Security Career

zijue faida za kuoa katika uislam tembelea link hii ,please click here Sifa Gani Za Kutafuta Mke?

wasiliana na DR.BILALI PHILIPH MOJA KWA KUPITIA FACEBOOK KWA KU CLICK HAPADr. Bilal Philips (Islamic Lectures)

create your GMAIL ACCOUNT KWA KU CLICK HAPA CREATE GMAIL ACCOUNT

sign up in facebook kwa ku click hapa www.facebook.com

PIA PATA HABARI MOTO MOTO KATIKA MAGAZETI YA TANZANIA KWA KUCLICK HII LINK MAGAZETINI LEO

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.

this page have helped you,share with your friend   

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.

.

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!!!!!!