Ntchito yosintha imatanthawuza kusintha, kusintha malipiro anu, zosankha zanu zopuma pantchito komanso mwinamwake kusuntha. Ngati mwagwira ntchito mwakhama kuti musinthe ntchito yanu , simukufuna kuti kusinthika kusokoneze zinthu zabwino za ntchito yanu yatsopano. Pambuyo pake, zingakhale zikuthandizani kukwaniritsa cholinga chanu chachikulu cha ntchito . Imeneyi ndi nthawi yovuta kwambiri kuyambira pamene mukuyang'ana kuwonetsa bwino abwana anu atsopano ndi antchito anzanu, koma zosankha zanu zachuma ndizofunikira ndipo muyenera kuziganizira mosamala. Kumbukirani kuti kugwiritsira ntchito phindu lanu kungachepetse ndalama zomwe mumapeza. Mukhoza kulandira phindu latsopano panthawi yolembetsa, choncho onetsetsani kuti mukuwongolera chaka chilichonse.
01 Inshuwalansi Zaumoyo
Mukamalembera inshuwalansi yatsopano kwa abwana anu atsopano, mukhoza kukhala ndi ndondomeko zosiyana zomwe mungasankhe. Sankhani mapulani okwera mtengo omwe angakupatseni chithandizo chomwe mukufuna. Ngati simusowa zambiri, mungathe kusankha mtengo wotsika mtengo. Mungafunike kulingalira za ndondomeko ya inshuwalansi yapamwamba, makamaka ngati abwana anu athandizira ku Account Savings Account m'malo mwanu. Yesetsani kupewa ndondomeko yamtundu wosakanizidwa yomwe imapereka ndalama zambiri koma simungayambitse mwatsatanetsatane mukakumana nawo.
Mpumulo wopuma pantchito
Ntchito yatsopano ikutanthauza dongosolo latsopano lotha pantchito. Anthu ambiri amasiya njira 401 (k) s kumbuyo kwawo. Amaiwala kuthamanga 401 (k) kapena amawona kuti ndi ovuta kwambiri. Mukhoza kuyendetsa 401 (k) mu IRA kumalo osungira ndalama kapena ku banki yanu. Zimakupatsani mphamvu zowonjezera zomwe mumagwiritsa ntchito, ndikuphatikizapo zopereka zanu zopuma pantchito m'malo amodzi. Ngati muli ndi ngongole ya 401 (k), ndalamazo zidzakhalepo chifukwa mutasiya ntchito yanu yakale. Muyenera kukonzekera kulipira nthawi yomweyo kapena kulipira misonkho.
Pakhoza kukhala nthawi yodikira musanayambe kugawidwa ku 401 (k) pantchito yanu yatsopano. Ngati ndi choncho, musataye chizolowezi chothandizira pantchito. Konzani zopereka za mwezi uliwonse ku akaunti ya IRA mpaka mutha kukhala woyenera 401 kampani yanu (k). Lowani phindu lanu ndi zopereka zilizonse zomwe mukugwirizana nazo mukangoyenera.
03 Ubwino Wina
Ukayamba, uyenera kupatsidwa mwayi wolembetsa akaunti ya Flexible Spending Account komanso mitundu ina ya inshuwalansi. Choyambira choyambirira chikanakhala kukumbukira zomwe munali nazo musanachoke ntchito yanu yakale ndikuwona ngati chiwerengero chikufanana ndi zomwe ntchito yanu yatsopano ikupereka. Mutha kupeza kuti ndondomeko ya mano ili bwino pa ntchito yanu yatsopano ndipo muyenera kulemba. Kumbali inayi, ndondomeko ya masomphenya ikhale yopanda ndalama. Ndikofunika kuzindikira kuti monga momwe banja lanu likusinthira, ndipo pamene mukukalamba phindu lina lidzakhala lofunika kwambiri pamene ena sangakhale ofunika mukakhala aang'ono, osakwatiwa ndi osowa.
Budget ya 04
Tengani nthawi tsopano kuti mupange bajeti yatsopano ndi malipiro anu atsopano. Izi zikhoza kutanthauza kuti mwapeza ndalama zambiri zowonjezera kubweza ngongole yanu kapena kuonjezera zopereka zanu zapuma pantchito. Musanayambe kugwiritsa ntchito ndalama mwanjira iliyonse, ganizirani kuchoka ku ngongole ndikuwonjezera ndalama zanu kukhala zofunika tsopano. Kupanga kusintha pamene kuwonjezeka kwa malipiro anu kuli kosavuta kusiyana ndi kudula pambuyo mutapanga zatsopano zowononga ndalama.
Nthawi zambiri anthu amavutika kuti asinthe kugwiritsa ntchito zizoloŵezi m'malo atsopano. Yesani kuchepetsa kuchuluka kwa ndalama zomwe mumadya ndi zosangalatsa zanu mukasamukira kumalo atsopano kapena kuyamba kugwira ntchito ku ofesi yatsopano. Ngati mutabweretsa chakudya chamasana kwanu ndikuyang'ana malo abwino odyera, mutha kuchoka ku ofesi koma musunge ndalama zambiri.
05 Kusuntha
Ngati mukusuntha ntchito yanu yatsopano, onetsetsani kuti mukufufuza malo anu atsopano musanayambe kulemba. Muyeneranso kugwiritsa ntchito mndandanda wa ndalama kuti muwonetsetse kuti mukusintha maadiresi onse omwe mukufunikira, makalata oyandikira, ndikudzipatulira ku malipiro am'mbuyo ndi mavuto ena omwe amabwera ndi kusuntha.
Ngati kampani yanu salipira ndalama zanu zosunthira, onetsetsani kuti mukusunga mapepalawo chifukwa ndalama ndi msonkho wogwiritsidwa ntchito ngati ntchito yanu yoposa makilomita 50 kutali ndi malo anu atsopano. Ikhoza kukupulumutsani ndalama pang'ono ngati nthawi ya msonkho.