Ukushintsha imisebenzi kusho ukushintsha izinzuzo, ukushintsha umholo wakho, izinketho zakho zokuthatha umhlalaphansi kanye nokuhamba. Uma usebenze kanzima ukushintsha umsebenzi wakho , awufuni ukuvumela izinyathelo zokushintsha ziphazamise izici ezinhle zomsebenzi wakho omusha. Ngemuva kwalokho, kungase kukusize ufinyelele umgomo wakho wokugcina . Yisikhathi esicindezelayo njengoba ugxila ekwenzeni okuhle kumphathi wakho omusha nabasebenza nabo, kodwa izinqumo zakho zezimali zisabalulekile futhi kufanele zibhekwe ngokucophelela. Khumbula ukuthi ukusebenzisa izinzuzo zakho kunganciphisa imali engenayo engenayo. Ungakwazi ukuthola izinzuzo ezintsha ngesikhathi sokubhalisa okuvulekile, ngakho qiniseka ukuthi uyazibuyekeza ngonyaka ngamunye.
01 Umshwalense Wezempilo
Uma ubhalisela umshuwalense wezempilo omusha kumqashi wakho omusha, ungahle ube nezinqubomgomo ezahlukene ongakhetha kuzo. Khetha uhlelo olungabizi kakhulu olunikeza ukuhlinzekwa okudingayo. Uma ungadingi okuningi kokufaka, ungakhetha uhlelo oluphansi. Ungase uthande ukucabangela uhlelo oluphezulu lokushuwalula umshwalense, ikakhulukazi uma umqashi wakho ezofaka isandla kwi- Akhawunti Yokulondoloza Impilo egameni lakho. Zama ukugwema i-hybrid plan enezinzuzo eziphakeme kakhulu kodwa ayikhiphi ngokugcwele lapho uhlangana nabo.
Izinzuzo zomhlalaphansi 02
Umsebenzi omusha usho uhlelo olusha lomhlalaphansi. Abantu abaningi bashiya umzila we-401 (k) s ngemuva kwabo. Bakhohlwa ukuhambisa ama-401 (k) ngaphezulu noma kubonakala kunzima kakhulu. Ungagcwalisa ama-401 (k) wakho ku-IRA kumayini okutshalwa kwezimali noma ebhange lakho. Ikuvumela ukulawula okungaphezulu ukuthi yimaphi amasheya owasebenzisayo, futhi kuhlanganiswa neminikelo yakho yokuthatha umhlalaphansi endaweni eyodwa. Uma unomalimboleko we-401 (k), inani lizokwenziwa uma ushiya umsebenzi wakho omdala. Kuzodingeka uzilungiselele ukuyikhokha ngokushesha noma ukhokhe intela kuyo.
Kungase kube khona isikhathi sokulinda ngaphambi kokuthi uqale ukufaka isandla ku-401 (k) emsebenzini wakho omusha. Uma kunjalo, ungapheli umkhuba wokufaka umhlalaphansi. Setha umnikelo wenyanga ngenyanga kwi-akhawunti ye-IRA uze ufanelekele umqashi wakho 401 (k). Bhalisela izinzuzo nanoma yimiphi iminikelo efanelana nawe oyifaneleka ngokushesha uma ufaneleka.
03 Ezinye Izinzuzo
Uma uqala, kufanele unikezwe ithuba lokubhalisela i-Akhawunti ye-Flexible Spending kanye nezinye izinhlobo zomshuwalense. Isiqalo esihle sokuqala kungaba ukucabangela lokho okwakunakho ngaphambi kokuba ushiye umsebenzi wakho omdala bese ubona ukuthi ukufakwa kokusebenza kufaniswa nokuthi yini umsebenzi wakho omusha enikezayo. Ungathola ukuthi uhlelo lwamazinyo lungcono emsebenzini wakho omusha futhi kufanelekile ukubhalisela. Ngakolunye uhlangothi, uhlelo lombono lungase lungabi nasizo imali. Kubalulekile ukuqaphela ukuthi njengoba umndeni wakho ushintsha, futhi njengoba ukhula ezinye izinzuzo kuyoba kubaluleke nakakhulu ukuba nabanye ngenkathi abanye bengakufaneleki uma usencane, ungashadile futhi unempilo.
04 Budget
Thatha isikhathi manje ukwenza isabelomali esisha ngeholo lakho elisha. Lokhu kungase kusho ukuthi uthole imali eyengeziwe yokufaka ukukhokhela isikweletu sakho noma ukwandisa iminikelo yakho yomhlalaphansi. Ngaphambi kokuba ukwandise ukusetshenziswa kwakho kunoma iyiphi indawo, cabanga ukuphuma esikhwameni nokukhulisa imali yakho kuqala manje. Ukwenza ushintsho uma ukwanda kweholo lakho kulula kunokwehlisa ngemuva kokudala imikhuba emisha yokuchitha imali.
Ngokuvamile abantu bakuthola kulula ukushintsha imikhuba yokuchitha endaweni entsha. Zama ukunciphisa inani olidlayo kanye nokuchitha kwakho kokuzilibazisa lapho uhambisa endaweni entsha noma uqale ukusebenza ehhovisi elisha. Uma uletha isidlo sakho sasemini ekhaya bese ubheka ipaki enhle ongayidla, ungasaphuma ehhovisi kodwa ugcine imali eningi.
05 Ukuhamba
Uma uhambisa umsebenzi wakho omusha, qiniseka ukuthi uhlola indawo yakho entsha ngaphambi kokubhalisa ukuqasha. Kufanele futhi uhlole uhlu lokubheka imali ukuze uqiniseke ukuthi ushintshe wonke amakheli okudingayo, ama-close close, futhi uzigcinele ekukhokhelweni kwesikhathi esilandelayo nezinye izinhlekelele eziza nokuhamba.
Uma inkampani yakho ingakhokhi izindleko zakho zokuhamba, qiniseka ukuthi ulondoloza amaresidi ngoba imali iyakhokhiswa intela uma umsebenzi wakho omusha ungaphezu kwamamayela angaphezu kwangu-50 ukusuka endaweni yakho entsha. Kungakusindisa imali encane uma sekuyisikhathi sentela.