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Savings don't rot

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Updated 4mo ago
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View this proverb in Swahili
Akiba Haiozi
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.
Sources

About this Essay

This essay won second place 🥈 in Maktaba.org's Proverb Essay Contest 🏆 July 2023
Rose Mwanri is a teacher from Tanzania 🇹🇿

Copyright 

Creative Commons Attribution (CC BY 4.0)
Essay by Rose Mwanri
Published by Maktaba.org
English translation by Brighid McCarthy
Image: CC BY Maktaba.org

Related on Maktaba.org 


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Ufafanuzi


Methali hii ya Kiingereza inatafsirika pia kama "Kalamu ina nguvu kuliko upanga au jambia" au " Kalamu ni kali kuliko upanga." Katika methali hii, jambia au upanga unaashiria nguvu na ukatili, na maana ya kalamu ni maneno. Ingawa upanga unaweza kushinda kwa nguvu, kalamu inaweza kuwashawishi, kuwahamasisha, na kuwaelimisha watu. Sio kila mtu ana silaha za kuwalazimisha watu wengine kufanya kile anachotaka, lakini kila mtu ana uwezo wa kubadilisha ulimwengu kupitia kile anachofikiria, kusema na kuandika kwa maneno. 

Silaha za siku hizi ni kalamu na karatasi.
 - Methali ya Kiswahili

Methali hii ni kweli kwa sababu mara nyingi maneno huchochea na kudhibiti jinsi watu wanavyotumia nguvu na silaha zao. Kwa mfano, kupitia sheria, maneno ya viongozi, mahakimu na majaji yana uwezo wa kuwafunga watu gerezani au hata kuwaua. Kutoa hotuba ya moto kwa umati wa watu wenye hasira kunaweza kuleta ghasia kali na madhara mengine (ona Juliasi Kaizari).

"Ukinipa picha, nitakupa vita."
- William Randolph Hearst
(Mwandishi wa habari na mchapishaji wa magazeti, Marekani)

Lakini pia, methali hiyo inatukumbusha nguvu ya upinzani usio na vurugu kwenye kuleta mabadiliko ya kudumu, kanuni iliyotetewa na kuonyeshwa na watu kama Mahatma Gandhi, Martin Luther King, na Nelson Mandela.  Angalia pia: Insha ya "Civil Disobedience"  na Henry David Thoreau, pamoja na Tamthilia mashuhuri ya "Antigone" na Sophocles.

Chimbuko


Nukuu hii ya "kalamu ina nguvu kuliko upanga" ilipata umaarufu kupitia tamthilia ya "Richelieu: au The Conspiracy"  na Edward Bulwer-Lytton (mwaka wa 1839, ukurasa wa 47). Lakini hakika wazo lilikuwepo kabla.

Wengine wanasema chimbuko halisi la methali hii ni Hadithi ya Ahikar. Kitabu hiki kiliandikwa takriban miaka 600 kabla ya kristu, na ni chimbuko la methali zingine kama "Ndege mkononi ana thamani ya wawili mtini"). Katika toleo letu, mfasiri hakuweza kusoma maandishi kutokana na hali ya karatasi, na maneno yalikatika. (Ukurasa 171/274
Dhibiti kinywa chako kwa uangalifu ...[ILIKATA]... na ufanye moyo wako kuwa mzito(?), kwa maana neno linalosemwa ni kama ndege, naye alitamkaye ni kama mtu asiye na  ...[ILIKATA]... ufundi wa maneno una nguvu zaidi kuliko ufundi wa  ...[ILIKATA]...
- Hadithi ya Ahikar, Ukurasa wa 171/274
Je, hili ndilo chimbuko halisi la methali hii, miaka zaidi ya 2,500 iliyopita? Muwe majaji...

Chanzo karibu na methali hii pia kinaonekana katika Agano la Kale:
Kwa maana neno la Mungu ni hai, tena lina nguvu, tena lina ukali kuliko upanga uwao wote ukatao kuwili.
Waebrania 4:12, Biblia

Na vilevile katika Shakespeare: 
Wengi wanaovaa panga huogopa kalamu.
-William Shakespeare
Tamthilia ya Hamlet, Sehemu ya 2, Onyesho la II (ukurasa wa 59)

 Je, unakubali kalamu hushinda jambia? Toa maoni yako hapo chini!
...

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Updated 4mo ago
by
Hapo zamani za kale, palikuwa na binti mrembo, mkarimu, mwenye akili aliyeitwa Poshia. Wanaume wengi walitaka kumuoa na walikuja ili kuomba uchumba. Baba Poshia alikuwa amefariki dunia. Alikuwa tajiri na aliacha wosia ulioelekeza kamba yeyote aliyetaka kumuoa Poshia, lazima achague kati ya masanduku tatu: sanduku la dhahabu, sanduku la fedha na sanduku la risasi. Atakayechagua sahihi ndiye atakayeruhusiwa kumuoa Poshiia na kurithi mali zote za Baba Poshia. Siku moja, Mfalme wa Moroko alikuja ili kuomba uchumba.

Mabepari wa Venisi

Tazama ▶️ YouTube


POSHIA: Kayavute mapazia masanduku yaonekane kwake mtukufu huyu mtoto wa mfalme. Haya sasa kachague.

MOROKO: La kwanza, ni la dhahabu, lenye maandiko haya:
‘Anichaguaye mimi atakuwa amepata kile wanaume wengi wakitamanicho sana.’
Na la pili, ni la fedha, linaloahidi hivi: 
‘Anichaguaye mimi apate astahilicho.’
La, tatu, risasi butu, na onyo lake ni butu:
‘Anichaguaye mimi itambidi atoe, na pia ahatarishe chochote alicho nacho.’
Nitajuaje yakuwa nimechagua vizuri?

POSHIA: Moja lina picha yangu, mzawa wa mfalme: Ukilichagua hilo basi na mimi ni wako.

MOROKO: Muungu Fulani uniongoze. Hebu nione; nitayachagua tena maandiko toka mwisho. Nitaanzia la tatu: lasemaje, la risasi?
‘Anichaguaye mimi itambidid atoe na pia ahatarishe cho chote alicho nacho.’
Itambidi atoe - atoleeni? Risasi? Na pia ahatarishe - kwa ajili ya risasi? Sanduku hili latisha: wahatarishao vyote hutumaini kupata faida iliyo nzuri: Wenye moyo wa dhahabu hawajali takataka; Kwa hiyo basi sitoi na wala sihatarishi chochote nilicho nacho kwa sababu ya risasi. La fedha lasema nini, lenye rangi ya baridi?
‘Anichaguaye mimi apate astahilicho’.
Apate astahilicho! Subiri hapa, Moroko. Upime thamani yako kwa mkono wa mwadilifu: Kama ukithaminiwa vile ujifanidivyo wastahili kutosha; walakini ya kutosha inaweza isitoshe kumpata siti huyu. Bali nikitia shaka kuwa simstahili,Basi hapo nitakuwa najiumbua mwenyewe. Stahili yangu ni nini? Bila shaka ni bibie. Namstahili, hakika, kwa nasaba na kwa mali, kwa madaha na kwa sifa zote za malezi mema na kuzidi yote hayo namstahili kwa pendo. Vipi, nisiendelee, nichague papa hapa?
Hebu tuyaone tena ya sanduku la dhahabu:
‘Anichaguaye mimi atakuwa amepata kile wanaume wengi wakitamanicho sana!’
Naam, ni siti huyu; anotamaniwa kote. Toka pande zote nne za dunia wanakuja kubusu sanamu hii takatifu ilo hai: Majangwa ya Hirikani na nyika pana ajabu, za Uarabuni kote, sasa zimekuwa njia ziletazo watawala kumwona Poshia bora. Nayo dola ya bahari ambayo inapofura hutemea hata mbingu, haiwezi kuzuia nia ya wageni hao; ila wanazidi kuja, kama wavuka kijito, kumwona Poshia bora. Moja la matatu haya lina picha yake nzuri. Itawezekana kweli liwe lile la risasi? Wazo chafu kama hilo lingekuwa ni laana. Halifai japo kuwa sanda yake ya kaburini.
Au niwaze ya kuwa kawekwa ndani ya fedha? Moja ya kumi na moja ya thamani ya dhahabu? Hilo ni wazo la dhambi! Kito cha thamani hivi hakiwekeki po pote ila ndani ya dhahabu. Uingereza wanayo sarafu tu ya dhahabu, ambayo kwa juu yake imechapwa malaika. Bali hapa malaika mwenyewe hasa yu ndani ya sanduku hili hapa, na bahati nijaliwe!

POSHIA: Ni huu hapa, chukua, mzawa wa mfalme; kama sura yangu imo nimekuwa mali yako.

[Anafungua sanduku la dhahabu]
MOROKO: Mama yang! Nini hii? Ni fuu tupu la kichwa, ambalo katika jicho lina hati ma’ndiko. Nitasoma maandiko.
Kila kitu king’aacho usidhani ni dhahabu,
umekisikia hicho ni kiambo cha mababu.
Kuniona kwa nje tu, wengi wameuza utu;
Makaburi ya dhahabu yana mafunza ajabu.
Ungekuwa na werevu ulivyo na ushupavu,
kijana kiwiliwili na mzee kwa akili,
usingelistahili kulipewa jibu hili:
Basi buriani dawa; pposa umefarikiwa.
Nimefarikiwa kweli. Bure nimejitanibu. Basi buriani, joto; nawe, makiwa, karibu. Basi kwa heri Poshia. Ninayo
huzuni sana siwezi kwa heri ndefu: Ndivyo wanavyoagana watu waliopoteza.
[Aondoka na Wafuasi wake. Tarumbeta]
...
Updated 4mo 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 4mo ago
by
It’s a simple and profound truth about human relationships: Making a promise means creating an expectation in others. When we fail to keep our promises, we damage our relationships and our reputation. Next time you make a promise, ask yourself, "Would I sign a contract that said this?"

French
Chose promise, chose due 
A thing promised is a thing owed. 
Russian:
Долг платежом красен, а займы отдачею. 
The beauty of a debt is its payment 
Alternative translation: A debt is beautiful when it is paid off, and loans when repaid.
Latin:
Pacta sunt servanda
Agreements must be kept (an important principle of international law)
Chinese
口說無憑
Spoken words are no guarantee.
English
Your word is your bond

What do you think? Is a promise as strong as a contract?
...
Updated 4mo ago
by