6.1 Kitabu chenye Maingiliano chenye Maswali - Misingi ya Bajeti

Lesson Learning Objectives:

  • Budget Basics – Create a budget to decide where every dollar goes and keep spending under control.

  • Kuweka Malengo – Define short-term and long-term goals so your money choices match what matters most to you.

  • Income vs. Expenses – Compare income, fixed expenses, variable expenses, and savings using the 50/30/20 rule.

Tracking & Adjusting – Use any tracking tool, recognize opportunity cost, na update the plan when life changes.

Habari Muhimu ya Somo:

  • Plan Your Money – A clear budget stops money from “disappearing” and lowers stress.

  • Goals Guide Choices – Setting financial goals helps you avoid impulse buys and stick to priorities.

  • 50/30/20 Rule – Spend 50 % on needs, 30 % on wants, 20 % on savings to balance life now and later.

  • Track & Adapt – Log spending honestly, watch for mental accounting, na adjust your budget whenever income or costs shift.

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