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1. Save money on your car
a. Own the car that is within your
means
A lot of people have fallen in the trap of owning
cars that are above and beyond their income, maybe they don’t know that
expensive cars usually are expensive to maintain. Their monthy maintaince may
be higher than the cheap car.
You should
think about car spear, do you really have income to replace Land Cruiser or Hammer
lights, cluthes, engine e.t.c? Can you afford to fuel it or you just want
to maintain status quo?
Other
people especially we Tanzanian and African at large are changing cars like
dresses, we are competing with fashion. I am not saying its bad to own good
cars but we should evaluate ourselves; what am I try to achieve to by having a
new car every month? In my society is every kid going to school and every
family having a meal? Why can’t I switch and give back to society and be a
blessing?
We should
be as our fathers in the bible they were blessed and become blessing to the
society. For example Abraham when God blessed him he made him a blessing to
others also.
It is
important to own the car that is within your means for you to have a stress
free life, Amen!
b. Car Insurance
Shop around to find the lowest insurance broker in the
market, these days there are a lot of them which means the competition is
higher for others to offer lower rate.
It is good also to pay the comprehensive and avoid third
party, if anything happen you are sure your car will be recovered.
Third party can be used temporarily to avoid traffic chaos
especially if the comprehensive is due and you don’t have enough money to pay
for it.
2. Save money on your phones
a. Cell Phones
Cell
phones help us to communicate but in our society we are misusing this service
hence misusing our finances.
You will a
student having three phones, where did you get the money to recharge it? Think
about it otherwise you will fall in the trap of doing illegal businesses or
having unpleasant relationship then dishonoring God by only maintaining status
of recharging mobile phones.
Women have
become victim of spending a lot through mobile phones, because they are blessed,
like chatting. Before you call someone ask yourself does the conversation
worthy it, what is the gain? What are you going to achieve? Above all, is it a
blessing or a curse because I am just calling to gossip?
If you
recharge your phone, keep the vouchers then at the end of week check the cost,
you will be surprised how huge is it than any other bill.
Also
beware of promotional message, they will sometimes eat up your money.
Then be
disciplined on what to talk on the phone and why? If it is business it is
okay....Say no to Blah Blah conversation.
You can
save up to 50,000 Tsh and more by disciplining yourself on unnecessary calls.