Ukuqonda Izinzuzo Zakho Zomsebenzi

by UMiriam Caldwell

Kungakhathaliseki ukuthi uqala umsebenzi wakho wokuqala noma ufuna entsha, kubalulekile ukucabangela izinzuzo zenkampani ngayinye ezinikezayo. Kufanele wengeze izinzuzo ekucatshangweni kwakho kweholo, ngoba ungase umangale ukuthi umsebenzi ophansi okhokhela ngezinzuzo ezinkulu ungakubeka ngokwezezimali uma uqhathaniswa nomsebenzi okhokhelwayo ophezulu. Nakhu izinzuzo ezivame kakhulu nezinto okumele uzicabange ngazo ngokucabangela umsebenzi wakho omusha . Ukusebenzisa izinzuzo zakho kunganciphisa imali engenayo engenayo futhi wengeze imali eyengeziwe. Kufanele ubuyekeze izinzuzo zakho ngonyaka ngonyaka wokubhalisa okuvulekile. Ukuqala umsebenzi omusha yisikhathi esihle sokwakha imikhuba emihle yezezimali .

01 Umshwalense Wezempilo

Inzuzo evamile kakhulu umshwalense wezempilo. Izinkampani eziningi zinemigomo ehlukene mayelana nokuthi ufanelekela umshwalense wezempilo. Ngokujwayelekile uma usebenza isikhathi esigcwele ufanelekele le nzuzo. Ezinye izinkampani zizokufihla ngokuphelele, futhi zikuvumela ukuthi uthenge umshwalense womndeni wakho. Ezinye izinkampani zizokhokha imali eyakhokhelwa wena nomndeni wakho. Ezinye izinkampani zikuvumela ukuba uhlanganise nezinye izinto eziphawulekayo. Kufanele ucabange izindleko ezingaphandle kwe-pocket kanye nezindleko ze-premium uma uqhathanisa izinzuzo zomshuwalense wezempilo.Izincomo zidingeka ukuba zinikeze izinhlelo zomshuwalense wezempilo ezihlangabezana nemikhombandlela ye-Affordable Care Act .Ngokuvamile, kuyinto engabizi ukuthenga umshwalense kumqashi wakho ngokwakho , kodwa ungagcina imali ufuna umshuwalense wezempilo ozimele kumalungu omndeni wakho. Uma wenza lokhu, qiniseka ukuthi izinqubomgomo zihlangabezana nemikhombandlela yoMthetho Wokunakekelwa Onganakekelwayo.

02 Umlingisi Womqashi

Umdlalo womqashi ungenye inzuzo enkulu. Abaqashi abaningi bazofanelana neminikelo yakho engu-401K kuze kube iphesenti elithile lomholo wakho. Lokhu kuyinto okufanele uyisebenzise ngoba yandisa amandla akho okuzuza kanye nokonga. Uma ushiya inkampani ngaphambi kokuba unikezwe ohlelweni lwe-401K uzolahlekelwa inani umqashi wakho angene ngalo. Ngokuvamile kuthatha iminyaka emihlanu ukuba inikezwe. Ummeleli wakho wobuntu angakutshela ukuthi udinga isikhathi esingakanani ukusebenzela ukuze unikezwe. Kufanele wenze umzamo wokutshala izimali kuze kube yilapho inani lomqashi wakho lizohlangana, ngoba ngokuyisisekelo liphindaphinda kabili iminikelo yakho kuze kube yilokho.

03 Ukuphumula Okukhokhelwayo Nesikhathi Sokugula

Amaholide akhokhelwayo nezinsuku ezigulayo kukhona enye inzuzo enkulu. Ngokuvamile, uhola inamba yesethi ngenyanga osebenza ngayo. Lezi zinsuku zizokhula njengoba usebenza. Abaqashi abaningi banikeza nezinsuku ezengeziwe uma ufinyelela emakethe amahlanu noma ayishumi. Uma ushintsha imisebenzi ungase uthande ukucabangela izinto ozolishiya uma kuziwa ekukhulwini. Ukwengeza lapho ushiya, inkampani yakho kufanele ikukhokhele izinsuku zokugula nezinsuku zeholide ozifakile, kodwa ezingasetshenzisiwe.

04 Umshuwalense Wokuphila

Umshwalense wokuphila ungenye inzuzo evamile. Ngokuvamile, umqashi wakho uyokhokha inani lomholo wonyaka owodwa, ngenkathi ekunika ithuba lokuthenga okungeziwe. Lokhu kuyinzuzo enkulu, futhi kungasiza abathandekayo bakho bakhokhe izindleko zokungcwaba uma kwenzeka ushona. Kufanele ulungele ukubiza umzuzi uma ugcwalisa amaphepha akho okuqala. Lokhu kudinga inombolo yokuphepha yomphakathi kumuntu oyishiya imali. Ungaphinda ushintshe umzuzi ngokuxhumana nomnyango wakho wemithombo yabantu. Ubunikazi bakho bomshuwalense wokuphila oyinhloko akufanele kube ngomsebenzi wakho, ngoba uzolahlekelwa ukukhishwa uma ulahlekelwa umsebenzi wakho. Bheka inqubomgomo yomshuwalense wesikhathi eside owathengayo ngokuhlukile ukuze uthole ukukhokhela umshuwalense wakho oyinhloko. Kodwa-ke, uma unesimo esizokuvimbela ukuba ufanelekele umshwalense wokuphila, ungase ufune ukwandisa inani onalo ngomsebenzi wakho.

Izinketho ze-Stock

Umqashi wakho anganikeza izinketho zezitoko, futhi. Izinketho ze-Stock zikuvumela ukuba uthenge isamba ngentengo ehleliwe. Kunenkathi yokulinda efakwe yinkampani mayelana nokuthi ungayithengisa yini isitoko. Ngokuvamile, uthola izinketho zesitoko ngamanani aphansi, bese uthengisa uma zibiza ngaphezulu. Ukusebenzisa okukhethwa kukho kwesitoreji kuyindlela enhle yokwandisa imali yakho kanye nenzuzo enkulu enikezwa izinkampani eziningi zokuqala.

06 Ama-Akhawunti Okuchitha Ama-Flexible

Enye inzuzo evamile i-akhawunti yokusebenzisa imali. Lezi zilawulwa nguhulumeni, ngakho-ke imithetho ifana kakhulu ebhodini. I-akhawunti yokusebenzisa imali eguquguqukayo izokuvumela ukuba ubeke eceleni ama-dollar pretax ukuze ukhokhe izindleko zezokwelapha nezokugcina. Ama-akhawunti wokusebenzisa ama-flexible kuyindlela enhle yokunciphisa imali engenayo engenayo, kufanele usebenzise inzuzo uma ungakwazi.

Ezinye izinketho zomshuwalense

Inkampani yakho inganikeza ezinye izinketho eziningi zomshuwalense. Lokhu kungafaka umshwalense wamazinyo, umbono, nokukhubazeka . Kufanele unqume ukuthi ngabe awudingi yini le nzuzo yomshuwalense eyengeziwe . Umshwalense wokukhubazeka uyisizuzo esikhulu, ngoba uzovikela uma uvele wabulala ngokuzumayo. Uma ucabangela umshuwalense wamazinyo nombono kufanele ubheke ngokucophelela izinhlelo zakho zomshuwalense ngaphambi kokwenza isinqumo.