Chuma chaumwini chimathandizira ntchito yosamalira
- Kuwonjezeka kusinthika posankha ntchito yomwe mukugwira kapena ntchito yomwe mukugwira
- Kulemekezedwa kwina kuchokera kwa akuluakulu anu
- Inshuwalansi pazocheka malipiro kapena kusowa ntchito
Ichi ndi mbali yosangalatsa ya chikhalidwe cha chikhalidwe , monga momwe tafotokozera mwatsatanetsatane.
Kukula Kowonjezereka: Ponena za ntchito ndi ntchito, ndalama zimakamba ndikukupatsani mphamvu yakukana ayi. Pogwiritsa ntchito dziwe lalikulu la ndalama, mukhoza kuthetsa mwayi umene sukupempha, komabe ndalama zothandizira zingakhale zopindulitsa. Malinga ndi wolemba zachuma Randall Lane (monga momwe anafunsidwa mu The Pennsylvania Gazette , magazini ya alumni ya yunivesite ya Pennsylvania, November / December 2010), "Ndalama, kwa ine, ndi ufulu wokwaniritsa zomwe ukufuna."
Komabe, ngati mulibe ndalama zambirimbiri zosungira ndalama, zosankha zanu ndizochepa. Zidzakhala zovuta kwambiri kuti mutsike malo olipira kwambiri, ziribe kanthu zomwe zocheperapo. Zidzakhalanso zoopsa kwambiri kukana zofuna za akuluakulu anu kuti mumawoneka osaganizira kapena opanda nzeru.
Kulemekezedwa Kwambiri: Ndalama zimayankhulanso chifukwa chakuti, nthawi zonse, wantchito yemwe amadzinenera kuti ali ndi chuma chamtengo wapatali amapeza ulemu waukulu kuchokera kwa akuluakulu ake, onse ofanana, kuposa wina amene sali.
Chifukwa chiyani? Ichi ndi phunziro lochititsa chidwi mu maganizo otsogolera .
Wogwira ntchito yemwe akuwoneka kuti akusowa ntchito, makamaka ngati iye angayambe kukakamizidwa ndi mavuto azachuma, ndizosavuta kuti azindikire zopanda nzeru kapena zowonjezereka ngati kasamalidwe katha. Wogwira ntchitoyi sangathe kukankhira kumbuyo, ndipo motero amaopseza kuwonongeka bwino kwa ntchito kapena ngakhale kutayidwa.
Munthu wamtunduwu, nthawi zambiri, amanyalanyaza ndi otsogolera.
Kumbali ina, ndalama zimayankhula pa nkhani ya antchito amene amadziwika kuti ali ndi ndalama zambiri. Munthu wotereyu ali ndi mphamvu zowonetsera ayi ndipo akukankhira kumbuyo malamulo opanda nzeru. Utsogoleri, nthawiyi, amayembekeza kuti wogwira ntchito ngatiyo sali wogwidwa kuntchito, kapena kulimbikitsa. Ngongole yachuma yomwe imapangidwa ndi dziwe lalikulu lakusungirako amalola munthu woteroyo kuchoka ku vuto losasangalatsa, ndi zifukwa zochepa. Choncho, kasamalidwe kameneka sichitha kukakamiza antchito olemera kusiyana ndi omwe sali.
Career Inshuwalansi: Chifukwa cha kuwonongedwa, kudulidwa kwa bonasi kapena kudula malipiro ochepa (monga opangira pang'onopang'ono akukumana ndi mavuto atsopano pogwiritsa ntchito makonzedwe a kampani), kukhala ndi ndalama zokwanira zogulitsa kumapereka inshuwaransi pa mavuto a zachuma omwe mwina angapangitse.
Ambiri omwe amagwira ntchito kuntchito amakhala odzigulitsa okha chifukwa cha kuwatsitsa kapena kuwomba ntchito pakati pa olemba ntchito awo, ndikupeza kuti chifukwa cha msinkhu amakhala ndi mwayi wofuna ntchito yatsopano kwinakwake.
Kukhala ndi ndalama zokwanira kungathetsere kusintha koteroko ndikupatsanso mbewu zatsopano pazinthu zatsopano, kumene kuli kofunikira.
Khalani Osamala, Komabe: Kukulitsa chuma chamtengo wapatali, ndi kulengeza izi (mosamalitsa, koma momveka) kwa oyang'anira, samakupatsani inu blanche card kuti mukhale slacker. Ndalama zanu zimalankhula kokha ngati mupitiliza kuchita zomwezo ndikupanga olemba ntchito anu makamaka za kutaya ntchito zanu ngati sakukuchitirani bwino.
Pakalipano, onetsetsani kuti ntchitoyi ikuthandizani kusintha ntchito nthawi ndi nthawi . Zotsatira zofananazi zikhoza kuchitika, panthawi zina, pokhala ndikuyembekezera mwayi watsopano ndi wabwino kwinakwake.
Ntchito Yothandizira: Chimodzi mwa zifukwa zazikulu zokhalira ntchito mu malonda a zachuma ndi chifukwa cha malipiro omwe ali pamwambapa okhudzana ndi olemba ntchito ambiri.
Ndalama zimayankhula pamene mupanga chisungidwe, m'malo mopatula ndalama, zina zimalipilira patsogolo. Pogwiritsani ntchito luso lanu la ndalama kuti muzitha kugwiritsa ntchito ndalama zomwe mukuzigwiritsa ntchito bwino, komanso makamaka, kuti mudziwe zambiri za momwe mungagwiritsire ntchito ndalama komanso kukonzekera ndalama (ngati simukuyenda mumasitomala anu).
Mwamwayi, ochuluka kwambiri omwe amalandira ndalama m'makampani ogwira ntchito zachuma samalephera kuphunzira izi. Ambiri amalola ndalama zawo kuwonjezereka kuti zipeze ndalama zawo, zomwe zimapangitsa kuti azipeza ndalama zambiri komanso zosangalatsa zomwe zimavuta kuti agwedezeke, ngakhale panthawi yovuta kwambiri. N'zosadabwitsa kuti iwo asokoneza ntchito zawo ndikusiya ntchito zawo zazikulu kuwamanga m'malo mowapatsa ndalama. Musagwere mumsampha uwu. Kumbukirani kuti ndalama sizowona chuma (onani kukambirana kwathu za chuma ), ndipo nthawi zonse zimakhala zovuta kuthetsa ntchitoyo.
Kulimbana ndi Kuwunika Ngongole: Kuda nkhawa kwakukulu kwa anthu ofuna ntchito masiku ano ndikuti olemba ena amagwiritsira ntchito ngongole polemba zolemba. Chifukwa chaichi, kupeza ndalama zanu mwa kuchepetsa ngongole komanso kuchulukitsa ndalama kungatanthauze kusiyana kapena kupeza malo. Mfundo yaikulu ndi yakuti anthu ofuna ntchito zambiri omwe ali ndi ngongole zambiri ndi odalirika komanso odalirika kuposa omwe ali ndi zochepa. Umboni wa chiphunzitso ichi ndi wotsutsana kwambiri, komabe olemba ambiri akuumirirabe kugwiritsa ntchito kufufuza ngongole, kumene chiloledwa ndi lamulo.
Komabe, onani kuti kukhala ndi ndalama zazikulu komanso kuchepetsa ndalama sikutanthawuzira kuti mukhale ndi ngongole yaikulu. Zina mwa zolakwika zambiri mu FICO ngongole yowonetsera ngongole ndikuti zimapangitsa anthu kukhala ndi mbiri yochepa kapena yopanda malire.