You need to login to view profiles OR to update your profile

Create a new account

Sign up for news and free books by email!
New announcements
Discussions
Proverbs

Kuokoa mia ni kuingiza mia

Join
or login
to VOTE for Proverb of the Month
Votes
1
Updated 6mo ago
by
View this proverb in English
A penny saved is a penny earned
Methali hii inatoka Kiingereza "A penny saved is a penny earned." Maana yake, mia inayobaki mfukoni inaweza kutumiwa kwajali ya madhumuni mengine. Mifano: Inaweza kutumika kwaajili ya kununua kitu kingine, unaweza kukopesha au kuwekeza ili kuingiza riba au pesa zaidi katika siku zijazo. Katika uchumi, kanuni hii inaitwa Opportunity Costs (gharama za kukosa fursa). Tunapotumia pesa au muda kwa jambo limoja, tunapoteza pia fursa ya kuzitumia kwajili ya jambo lingine.

Methali hii huhusishwa na Benjamin Franklin, lakini si chimbuko halisi, wala hakuandika msemo huu kamili. Misemo karibu na huu ilichapishwa kabla yake. Kwa mfano: 

A penny spar'd is twice got.
Senti iliyookolewa hupatikana mara mbili.
- Outlandish Proverbs by George Herbert (1640)  
 
Katika Poor Richard's Almanac (1736), Benjamin Franklin alinukuu methali hii na alifafanua vizuri kanuni ya Opportuinty Cost hivi:

Vidokezo kwa Wale Wanaotaka kuwa Matajiri

Matumizi ya pesa ndiyo faida zote zinayopatikana ukiwa na pesa.
Kwa pound [£] sita kwa mwaka [yaani riba] unaweza kutumia  £ mia [yaani kupitia mkopo], kama unajulikana kama mwaminifu na mwenye busara.
Anayetumia groat [senti 4] kwa siku bure, hutumia pound £ zaidi ya sita kwa mwaka, ambazo ni bei ya kujipatia matumizi ya pound £ mia moja.
[Kwa hivyo] Anayepoteza muda wake wa thamani ya groat [senti 4] kwa siku, siku moja na nyingine, anapoteza fursa ya kutumia pound mia moja kila siku.
Anayepoteza muda wa shilingi tano kwa uvivu hupoteza shilingi tano, ni kama amezitupa tu baharini.
Anayepoteza shilingi tano sio tu kwamba anapoteza kiasi hicho, bali anapoteza pia faida yote ambayo ingeweza kupatikana kwa kuzitumia katika shughuli zake, ambayo, akiwa kijana, wakati wa uzee ingefikia kiasi kikubwa cha fedha.
Tena: anayeuza kwa mkopo huongeza bei ya kile anachokiuza kwa kiasi sawa riba angaliingiza na pesa hizo kwa kipindi ambacho atazikosa. Kwa hivyo, anayenunua kwa mkopo hulipa riba kwa kile anachonunua, na anayelipa pesa mara moja kwa kila anachonunua hukoa fursa ya kuzikopesha kwa wengine, kwa hivyo aliye na kitu alichonunua ameshalipa riba kwa matumizi yake.
Hata hivyo nasema kulipa mara moja unaponunua ni bora, kwa sababu anayeuza kwa mkopo anatarajia kupoteza asilimia tano ya mikopo; kwa hivyo anaongeza bei ya kile anachokiuza kwa asilimia ileile ili kuzuia hasara. Wanaolipa kwa mikopo hulipa kodi mara moja. Anayelipa kwa pesa mara moja anaweza kuzuia kodi hii
"Senti iliyohifadhiwa ni senti mbili hakika;
[haba] kwa siku ni [nne] kwa mwaka."
 
Basi, unapofikiria kutumia muda au pesa zako katika jamblo fulani, jiulize, ningekosa, ningepata fursa zipi? Pesa hizi zingeweza kutumikia vipi? Mifano: kumkopesha mwingine, kurudisha madeni uliyonayo, kubuni kitu kipya au kuwekeza katika kitu ambacho kinaweza kuleta faida kubwa mbeleni.
Sources
Outlandish Proverbs by George Herbert (Explained and Translated to modern English)
Origin and meaning of the proverb (Snopes) (Grammarist) (Forbes) (Wiktionary)
Loading...
Loading...
Login to view and post comments
by Rose Mwanri 🇹🇿 
🏆 Proverb Essay Contest 
🥈 Second Place Winner
A proverb is a metaphorical expression used in a community. Words in proverbs have additional meanings and proverbs have two sides. The first side gives an idea and the second side completes the idea. Akiba haiozi (Savings do not decay) is one of the Swahili proverbs that is widely used in African communities and by Kiswahili speakers globally, with the aim of reminding people about the importance of saving.

The purpose of this proverb is to encourage us as members of the community to prepare well for today's life as well as tomorrow so we are ready to face the various challenges of life.

This proverb shows us that it is normal for a human being to experience various emergencies in everyday life. For example, an illness, accident, or even death. When you have the savings that you have set aside, it will help you when you are faced with a sudden challenge that you did not expect.

Another benefit of saving is improving life. First of all, I advise we all have a regular savings plan to be able to improve our lives in general. The more we save, the more that savings can help us improve our housing and infrastructure within our communities. A good example is parents whose savings enable them to pay for school fees, supplies and even other expenses that may arise at the same time.

This proverb also reminds us that the more we save, the more we grow our treasury. As with the proverb that says "Haba and haba hujaza kibaba" (little by little fills up the measure). If you analyze these proverbs, they have the same meaning, and you will find that it is a great reminder about building a good fate for our community, now and later. [These proverbs] encourage us to invest every penny we get. We grow our treasury, because what we save is there for us.

Take the opportunity to ask yourself, how many times have you faced challenges and your savings kept the ship afloat? How many issues have arisen without notice that you used your savings to put things right? I believe we should all save regardless of whether our income is big or small. For example, you can start saving little by little from what you earn and in time your savings will add up to be big.

Also, this proverb helps to develop knowledge for individuals and communities, especially where there has been a difference in savings from one generation to another. In the past we are told that people used to store their savings by digging underground, putting under the bed or even other places that they believed were safe. Today, people do not use traditional methods to save their savings. When it comes to money, there are banks with stable and safe systems for storing money. In terms of crop saving, there are also safe ways to store crops, even for a long time, without spoiling. In fact, savings do not decay.

In Swahili, we say “Akiba haizoi” ("Savings don't rot"), “Haba na haba hujaza kibaba” (“Little by little fills up the measure") meaning that the savings may seem small but the more they increase, the bigger they become. On the contrary, we are told “Chovya chovya humaliza buyu la asali” (“Dip [by] dip finishes the jar of honey”), “Bandu bandu humaliza gogo” (“Chop [by] chop finishes the log.”) If we take from our savings little by little without a good reason, the day will come when we’re infuriated to see all the savings are gone without anything meaningful getting done. Let's remember “mali bila daftari huisha bila habari” ("Wealth without a notebook disappears without notice"). Let's look at an example of this poem that stresses us about saving.

  Savings are truly a treasure, they never betray,
  For us it’s very important, they carries us through times
  When we really have nothing, they stand sincerely,
  Let's all save, savings is a savior.

Truly, it’s clear that we should take care of the good things and the resources we have by saving, so that we can save ourselves when we are faced with surprising challenges in our present and future lives.
...
Updated 6mo ago
by
Ustawi wa kiuchumi huenea na huwafikia raia wote wa nchi au eneo. Nchi haiwezi kufaidika bila raia wake wote kufaidika kwa namna moja au nyingine, kama vile baharini, maji yakijaa boti zote zitapanda, wimbi linalokuja litainua boti zote ziwe mitumbwi, jahazi, meli au mashua.

Msemo huo hutumiwa kumaanisha makundi yote yalinufaika kutokana na mabadiliko ya hali, hasa utitiri wa rasilimali, hata kama inaonekana kama zinawafikia matajiri wachache pekee. Nimesikia wafanyakazi wakiona wenzao wamepokea bonasi au kamisheni kubwa wanasema, "A rising tide lists all boats," ikimaanisha mauzo yakipanda, mapato ya kampuni yataongezeka na fursa kwa kampuni, na kwa hivyo, kwa wafanyikazi wote pia. Katika kesi hii, ni wazi wimbi halizinui boti zote kwa usawa au kiasi kilekile.

Wakosoaji wa methali hii wanaweza kulalamika kwamba methali hii inatumika pia ili kuhalalisha mpango au makubaliano yoyote hata kama yatawanufaisha wachache tu. Lakini kwa kawaida msemo huo husemwa  na viongozi kwa matumaini au kama pongezi.

Methali hiyo mara nyingi huhusishwa na John F. Kennedy rais wa Marekani, ambaye aliiitumia katika hotuba yake, mwaka wa 1963 akijitetea baada ya baada ya kukosolewa juu ya ujenzi wa bwawa ulitumia pesa nyingi sana (matumizi ya fujo). Mwandishi wa hotuba za Kennedy (aliyeitwa Ted Sorensen) alifichua kwamba Rais Kennedy alitumia methali hii baada ya kuisoma katika jarida la "New England Council."

Msemo karibu na huu ni "to grow the pie" yaani "kukuza keki" ambayo inamaanisha, kama keki ni kubwa zaidi, washiriki wote watapata keki zaidi hata kama uwiano/asilimia haibadiliki.

Je, unakubali kwamba ustawi mpana wa kiuchumi huwafikia wote?
...
Updated 6mo ago
by
A penny that stays in your pocket can be used for another purpose. It could be used to buy something else, or you could lend or invest it to yield more money in the future. In economics, this principle is called "opportunity cost". When we spend money or time on one thing, we also lose the opportunity to use it for something else.

This proverb is usually attributed to Benjamin Franklin, but he did not originate it, nor did he use the exact phrase. Similar versions of the proverb appear in earlier sources. For example:
A penny spar'd is twice got.
- Outlandish Proverbs by George Herbert (1640) 

In Poor Richard's Almanac (1736), Benjamin Franklin quotes the proverb and explains it well:
Necessary Hints to Those That Would Be Rich
The use of money is all the advantage there is in having money. For six pounds a year [interest] you may have the use of one hundred pounds [a loan], provided you are a man of known prudence and honesty.
He that spends a groat [4 pence] a day idly spends idly above six pounds a year, which is the price for the use of one hundred pounds.
He that wastes idly a groat's [4  pence] worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.
He that idly loses five shillings' worth of time loses five shillings, and might as prudently throw five shillings into the sea.
He that loses five shillings not only loses that sum, but all the advantage that might be made by turning it in dealing, which by the time that a young man becomes old will amount to a considerable sum of money.
Again, he that sells upon credit asks a price for what he sells equivalent to the principal and interest of his money for the time he is to be kept out of it, therefore, he that buys upon credit pays interest for what he buys, and he that pays ready money might let that money out to use, so that he that possesses anything he has bought pays interest for the use of it.
Yet in buying goods it is best to pay ready money, because he that sells upon credit expects to lose five per cent by bad debts; therefore he charges on all he sells upon credit an advance that shall make up that deficiency. Those who pay for what they buy upon credit pay their share of this advance. He that pays ready money escapes, or may escape, that charge.
"A penny saved is twopence clear;
A pin a day's a groat a year."

So, next time you think about spending money or time on something, ask yourself what the opportunity cost might be. If you didn't spend it, could you lend it to someone else? Could you pay off your existing debts? Could you invest in something that might bring a larger profit in the future?

...
Updated 6mo ago
by

Do you have a big dream?

A dream too big for you to ever accomplish on your own? Maybe even too big to be accomplished in one generation?

Some gothic cathedrals in Europe took over 600 years -- more than 20 generations -- to complete! Although the Great Pyramid of Giza seems to have been built much faster (in a single generation), it also took tens of thousands of people.

In Tanzania, the Great Mosque of Kilwa was built in the 11th-14th centuries, rebuilt after earthquake damage, and continued to be remodeled up to the 18th century. It was described in the 1300s by Ibn Battuta. (You can take a 3D virtual tour of Kilwa! Check out the link in sources.)

The wonders of the world, modern and ancient, began as big dreams, dreams that took many generations to fulfill. Each generation continued the work of the past and also contributed to revising the blueprints for the future.

So if you are trying to do something great -- something that will really change the world -- don't expect to do it in one day. And don't try to do it alone. 

Related proverbs:


 Swahili:
Ukitaka kwenda haraka, nenda peke yako, ukitaka kwenda mbali, nenda na wenzako
If you want to go fast, go alone, if you want to go far, go together 

French:
Rome ne fu[t] pas faite toute en un jour
from Li Proverbe au Vilain, published around 1190
Modern French: Rome ne s'est pas faite en un jour
Rome wasn't built in a day

Chinese:
冰凍三尺,非一日之寒
Three feet of ice is not the result of one cold day

Scottish Gaelic
Chan ann leis a’ chiad bhuille a thuiteas a’ chraobh
It is not with the first strike that the tree will fall
...

Image credit: Screenshot from 3D virtual tour of Kilwa Kisiwani created by Zamani Project

Updated 6mo ago
by