Momwe Mungagwiritsire Ntchito Phindu Lanu la Paycheck

Mukalandire ndalama yanu yoyamba mungadabwe ndi kuchuluka kwa misonkho. Monga wogwira ntchito wosakwatiwa, mulibe vuto pankhani ya msonkho. Mudzakhala ndi zochepa zochepa kusiyana ndi anthu omwe ali pabanja ndipo muli ndi ana. Ngati mulibe nyumba, ndiye kuti simudzakhala ndi ndalamazo. Ngati muli mukhwima la msonkho wapamwamba, mungadabwe kudziwa momwe mungaperekere msonkho aliyense.

Mungagwiritse ntchito bwino ndalama yanu pogwiritsa ntchito mwayi wa antchito omwe abwana anu amapindula.

Pezani Ndalama Yanu Yopindulitsa mwa Kulembera Zopindulitsa

Ngati mulembela phindu lopatsidwa ndi abwana anu, mukhoza kuchepetsa ndalama zomwe mumatha kulipira ndikupangitsa ndalama zanu kupititsa patsogolo. Ndikofunikira kusamala mosamala zomwe mukulembera ndi momwe zingakhudzire chithunzi chanu cha msonkho. Mungadabwe ndi zomwe mumapeza. Zinthu monga inshuwalansi yaumoyo, zopereka zapuma pantchito, ndi ndondomeko zogwiritsira ntchito ndalama zingathandize kuchepetsa ndalama zomwe mumapeza. Ngati mumagwiritsa ntchito masewera a abwana anu, mukhoza kuwonjezera zopereka zanu zopuma pantchito opanda msonkho pa iwo. Zopindulitsa zina monga kugula mtengo wotsika mtengo wamabasi si msonkho wogwiritsidwa ntchito. Mungathe kufunsa ndi mtsogoleri wanu wazinthu kuti atsimikizire kuti omwe mukukambirana ndi msonkho wogwiritsidwa ntchito. Ndikofunika kubwereza zomwe mumapindula chaka chilichonse pamene mukulembetsa poyera pamene zinthu zikusintha.

Ganizirani Zomwe Muli Nazo Kuti Muwone Kupulumutsa Kwako

Pamene mukuona ubwino wolembera, mungaganize kuti simungakwanitse. Komabe, ngati mutayang'ana ndi cholembera, mungadabwe kuona kuti ndalama zanu za inshuwaransi ndi zopereka 401K sizikukhudzani ndalama zambiri.

Izi ndizo chifukwa ndalama zomwe mumalipiritsa zimachepetsa, choncho msonkho umene mumalipirako umachepetsanso.

Pindulani ndi Mapindu Anu Kuonjezera Kupulumutsa Kwanu

Ngati mulembela phindu lanu, onetsetsani kuti mumawagwiritsa ntchito. Inshuwalansi ya diso ikhoza kukhala yabwino, koma ngati simugwiritsa ntchito, mukungotaya ndalama kutali. Mofananamo, muyenera kuonetsetsa kuti mumagwiritsa ntchito ndalama zonse mu akaunti yanu yosasinthika . Izi zingakhale zovuta chifukwa muyenera kulingalira kuchuluka kwa ndalama zomwe muyenera kuziletsa mwezi uliwonse umene mudzagwiritse ntchito. Ngati simugwiritsa ntchito ndalama chaka chimenecho, mudzataya.

Gwiritsani Ntchito Mgwirizano Wanu Wothandizira Kuti Muwonjezere Kupuma Kusunga

Imodzi mwa njira zabwino kwambiri zowonjezeredwa ndi malipiro anu ndi kupeza ndalama zina zomwe abwana anu angakuthandizeni pa akaunti yanu yopuma pantchito m'malo mwanu. Kawirikawiri izi zimayenderana ndi ndalama, kotero muyenera kukhala ndi gawo la 401 (k) kuti mulandire. Mwachitsanzo, ngati muli ndi antchito omwe amacheza nawo mpaka atatu peresenti ya malipiro anu, bwana wanu amapereka zina zowonjezera peresenti pamene mukuchita. Izi zidzabweretsa zopereka zanu zonse kwa magawo asanu ndi limodzi pa zomwe mumapeza, ndipo ndizopanda ndalama. Olemba ena ali ndi mgwirizano wowolowa manja ndipo amatha kufika 6 peresenti, zomwe zikutanthawuza ndi kupereka kwanu kuti mudzakhala nawo khumi ndi awiri peresenti patsiku lanu.

Njira Zina Zowonjezera Paycheck Yanu

1. Mukhoza kuyimitsa moyo kuchokera ku malipiro anu kuti mulipire malipiro mwa kukhazikitsa bajeti ndi kusunga ndalama mwezi uliwonse. Konzani thumba ladzidzidzi, ndipo pempherani kutuluka ngongole mwamsanga momwe mungathere. Ndalama zomwe mumakhazikitsa tsopano zidzakuthandizani mtsogolomu. Ngati mukulipiridwa ndi khadi la debit yomwe munalipiritsa, mutha kukumana ndi malipiro obisika omwe akugwiritsidwa ntchito ndi khadi, ndipo ndi kofunika kwambiri kuti muwononge ndalama zanu.

2. Lowani akaunti yanu yopuma pantchito mukangoyenera. Ichi ndi chizoloŵezi chimodzi chomwe chingakuthandizeni m'tsogolomu. Mukhozanso kuyambanso kupereka ndalama ku IRA ngati simukuyenerera kukhala ndi ndalama zapuma pantchito kudzera mwa abwana anu. Ndikofunika kuyamba nthawi zonse kupereka pulogalamu yopuma pantchito kuti mutha kupuma pantchito. Mukayamba kugula ntchito mwamsanga mukangoyamba kugwira ntchito, muyenera kusunga ndalama zokwanira kuti mupume pantchito. Yesani kuwonjezera ndalama zanu pafupifupi pafupifupi fifitini peresenti ya ndalama zanu. Mungathe kuchita izi pamene mukukwera kuti zikhale zosavuta kukwaniritsa cholinga chimenecho.

1. Ngati ntchito yanu yatsopano ikupereka mabhonasi , simuyenera kuwaika mu bajeti yanu. ma bonasi amasiyana kuyambira kotala mpaka kotala, ndipo simungalandire bonasi pachaka. M'malo mwake, muyenera kupanga ndondomeko ya ndalama zanu pa bajeti yanu ndikugwiritsirani ntchito kuti ikuthandizeni kukwaniritsa zolinga zanu zachuma mofulumira. Ma bonasi anu angakuthandizeni kuchoka ku ngongole kapena kusungitsa malipiro anu pakhomo mwamsanga.

2. Kutuluka mu ngongole kudzaonjezera kuchuluka kwa momwe mungathere ndi kutenga malipiro anu a kunyumba. Ngati mukuvutika nthawi zonse kuti mukwaniritse zosowa zanu kapena mukufuna kugwiritsa ntchito ndalama zambiri, kuchepetsa malipiro anu pamwezi, monga ngongole ya malipiro, mudzachita zimenezo. Tengani nthawi tsopano kuti mupange bajeti yomwe imakupatsani ndalama zowonjezera kuti muyike dongosolo lanu la kulipira ngongole. Mukangokhala ndi ngongole mwamsanga, mutha kukwaniritsa zolinga zanu zina.