6.2 Buruta na Uachishe - Tengeneza Bajeti Yako ya Kila Mwezi

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.

Plan Your Money – A clear budget stops money from “disappearing” and lowers stress.
Goals Guide Choices – Setting malengo ya kifedha 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.