Kuchitapo kanthu pofuna kulimbikitsa malo anu azachuma sikudzangokuthandizani ngati ntchito yanu idzakhala yaitali kuposa momwe mukuyembekezeredwa; zidzakuthandizani kuti mupirire kukhumudwa ndi kukupatsani mphamvu yakulamulira pazochitika zanu.
Nazi zisanu ndi ziwiri zomwe zimapangitsa kuti mupange mwamsanga mwamsanga.
1. Samalani zofunikira. Ngati simunayambe kale, onetsetsani kuti zakuthupi zanu, monga ntchito yopanda ntchito ndi inshuwalansi ya umoyo, zimasamaliridwa. Ngati munagwira ntchito ku kampani yomwe ili ndi antchito oposa 20 kapena kuposa, muyenera kukhala ndi chithandizo cha inshuwalansi kwa nthawi yaying'ono pansi pa lamulo lotchedwa COBRA; Komabe, inshuwalansi pansi pa COBRA ikhoza kukhala yotsika mtengo. Mudzakhala ndi masiku osachepera makumi asanu ndi limodzi kuti musankhe kufotokozera ndipo mudzakumbidwa mwamsanga inshuwalansi yanu yakale itatha. Ngati mwamuna wanu akadali ndi inshuwalansi, muyenera kukhala ndi masiku 30 kuti mupite kuntchito yake. Kapena, ngati mukufuna kulembetsa ku Obamacare, muyenera kulembetsa masiku 60 mutataya ntchito-pokhapokha ngati ntchito yanu isanafike nthawi yolembera. Zikatero, dziko lanu lingakupatseni miyezi itatu kuti mulembetse mu dongosolo latsopano.
Malingana ndi zomwe mumapeza, inu kapena okondedwa anu mukhoza kukhala oyenerera kulandira kudzera mu Medicaid kapena Programme ya Inshuwalansi ya Ana. Muyeneranso kufotokozera pulogalamu yanu ku ofesi ya ntchito yanu kuti muyambe kulandira phindu la ntchito .
2. Khalani osasamala. Ngati munapatsidwa phukusi lokhalitsa, perekani ndalamazo pambali ndipo musazikhudze pokhapokha ngati mukuyenera.
Musagwiritse ntchito panthawi yopuma pantchito kapena ngakhale ndalama zofunikira ngati zingatheke. Pokhapokha mutakhala kale ndi ndalama zokwanira kuti mukhale ndi moyo kwa zaka zambiri ngati mukuvutika kuti mupeze ntchito ina, muyenera kuyesa kusunga ndalama zambiri monga momwe mungathere-ngati mukufunika kuika ndalama zanu muutali kuposa momwe mukuyembekezera . Ngati muli ndi chiyero cholimba, muyenera kuyembekezera kupeza ntchito nthawi yayitali chitsimikizo chanu chisanachitike. Komabe, nthawizonse n'zotheka kuti mudzavutikira kuti mugulitse luso lanu kwa abwana atsopano, kapena kuti chuma chidzayang'ana pamene mudakalibe ntchito. M'malo moganiziranso ngati chingwe, ganizirani za phukusi lanu lokhalitsa ngati tsamba lodzidzimutsa limene mumangoyamba mutatha kutopa zina zonse zomwe mungasankhe.
3. Chitani zambiri zokhudza ndalama. Pendani bwino mbali zonse zachuma chanu. Dzikumbutseni nokha momwe muliri mu ndalama ndi ndalama. Tsegulani ngongole zanu zonse ndikuwonjezerani ndalama zomwe mwatsalira. Ngati simukuyesa kugwiritsa ntchito ndalama zanu nthawi zonse, pezani zolemba zanu zachuma kuti mudziwe zambiri zomwe mumagwiritsa ntchito tsiku lililonse. Komanso muwerengere kuchuluka kwa momwe mungapezere ndalama zomwe mukupeza tsopano zomwe mulibe ndalama zochepa.
Tayang'anani pa misonkho yanu ndi kulingalira momwe iwo adzakhudzidwe ndi kusowa kwanu kwa ntchito ndi phukusi lopatulidwa . Pamapeto pake, muyenera kumvetsetsa bwino za ndalama zanu zatsopano komanso zomwe mukufuna kuti mupeze zofunika pamoyo wanu.
4. Dulani molimba mtima. Mutatha kumaliza ndalama zanu, yang'anani zomwe mumagwiritsa ntchito pamwezi komanso kugwiritsa ntchito ndalama zanu ndikuyang'ana mipata yochepetsera malipiro anu kapena kuwadula. Ganizirani mozama za zomwe inu ndi banja lanu mukufunikira kuti mupitirizebe panthawi yovutayi ndi kuthetsa ndalama zambiri zomwe mungathe. Mwachitsanzo, mutha kusunga ndalama zambiri mwa kudula chingwe ndi kukulitsa chiwerengero cha maulendo omwe mumayendera. Mofananamo, mukhoza kudzipatsanso chipinda chopumira mophika mwa kuphika zakudya zochepa, kupatulapo zochepa kapena kuchepa kwa kanthawi ndalama zomwe mumalipira kwa ngongole zanu.
5. Pangani ndondomeko yochepetsa ndalama. Pangani mtendere ndi ndalama zanu zazing'ono ndikuchotsani zodabwitsa mwa kukhazikitsa bajeti yaikulu yomwe mungakhale nayo. Ngati n'kotheka, bajeti yanu iyenera kukhala yopanda malipiro kuti mutha kukhala ndi moyo wanu popanda kulipira ndalama zowonjezera ku makadi anu a ngongole, koma ziyeneranso kukhala ndi malo ochepa omwe angakhale nawo.
6. Khalani omasuka ndi zikoni, mphotho, kukwezera makhadi komanso mapulogalamu omanga ndalama. Ino ndi nthawi yoti mulowetse mkati mwachitsulo chanu-wosaka. Ngati muli ndi ngongole yabwino, muyenera kukhala ndi mwayi wopindulitsa ndalama, kuphatikizapo zopereka zotsatila 0 peresenti, kutumizira APRs ndi mphoto za khadi zomwe zingakupulumutseni ndalama tsiku ndi tsiku. Ngati mwakhala mukukweza mphoto yamakhadi, ndalama zanu mu makadi a mphatso mungagwiritse ntchito kulipirako zofunika zapakhomo ndi zina zofunika. Kapena mugwiritseni makadi kumbuyo kuti mulipire ndalama zonse zomwe mungathe kulipirira kuti mupeze ndalama zina. Muyeneranso kugwiritsa ntchito nthawi yanu yowonjezera pakhomo kuti muyambe kujambulana, fufuzani Webusaiti kuti mugwire ntchito ndi kukopera mafoni, monga Ibotta kapena Checkout 51, zomwe zingakuthandizeni kupeza ndalama zogula zomwe mwakonzekera kupanga.
7. Gwiritsani ntchito luso latsopano. Ngati muli ndi ndalama zochepa zotsalira mukamalipira ndalama zanu komanso ndalama zanu zitasonkhanitsidwa, gwiritsani ntchito ndalamazo kuti muzitha kugwiritsa ntchito luso lanu kapena kuphunzira zatsopano zomwe zingakuthandizeni kupeza ndalama zambiri m'tsogolomu. Mapulogalamu monga Lynda kapena Skillshare amapereka matani a maphunziro apamwamba pa intaneti. Mukhozanso kupeza gulu lothandizira ku koleji ya kumudzi kwanu kapena kupeza maphunziro ena pa webusaiti.