Ungazijonga njani izibonelelo zakho ze-HR njengeBhosi

Umxholo

• 1. Lawula i-401k yakho
• 2. Flex Imisipha yakho yeFSA
• 3. Buyelwa Imali ukuze ube sempilweni
• 4.Ukude kude kwiMali-mboleko yabafundi
• Uphengululo lwe

Ngoko ulubethelele udliwano-ndlebe, wawufumana umsebenzi, kwaye wazinza kwidesika yakho entsha. Ungene ngokusesikweni kwindlela yakho yokuya #kudala njengomntu ngokwenene lomntu. Kodwa ingqesho eyimpumelelo ingaphezulu kokungena kwi-9-to-5 kunye nokuhlawula umvuzo wakho ngeveki; imisebenzi yelizwe lokwenyani iza nezinye izibonelelo ezongezelelweyo-ukuba uthatha inzuzo-kungakongela imali enzima. (Okungakumbi: Imithetho eli-16 yeMali Wonke uMfazi kufuneka ayazi nge-30 yobudala)

Abantu abaninzi bashiya imali etafileni kuba bengazibhaliseli izibonelelo, utshilo uKimberly Palmer, umbhali Ukufumana isizukulwane: Isikhokelo soLutsha esiSebenzayo sokuTyala, ukuTyala imali, kunye nokuBuyisa. "Nokuba abazazi okanye banengxaki yokubhalisela, kodwa ungazigcinela itoni yemali ngokuqinisekisa ukuba ubhalisela ezi zikhoyo."

Ngelixa abanye abantu befumana ulwazelelo olubanzi lwezibonelelo ezibandakanya zonke iindlela ezikhoyo, uPalmer uthi ngamanye amaxesha kufuneka ufikelele kwi-HR rep yakho ukuze ufumane imenyu epheleleyo yeerks. Uyafuna ukwazi ukuba ujonge ntoni? Saqhekeza ezona ndidi zibalulekileyo zezibonelelo onokuzifumana emsebenzini wakho. Ukwazi zonke ezi acronyms kunye namanani kuya kulunga-siyathembisa.

1. Lawula i-401k yakho

Le yenye yezo super abadala-y izinto wena cinga awudingi kukhathazeka malunga-de wonke umntu abe nenye ngaphandle kwakho. Ngokusisiseko, i-401k sisicwangciso somhlala-phantsi esixhaswe ngumqeshi wakho. Ukhetha ukuba imali ethile ikhutshwe kwi-paycheck yakho inyanga nenyanga, kwaye ingena ngokuzenzekelayo kwi-akhawunti yokulondoloza.

Ufanele ubeke malini? UPalmer ucebisa i-10-15 yepesenti yomvuzo wakho, ukuba ungayijingi. Ukuba uqala ukwenza loo nto kwi-20s yakho, uPalmer uthi uyakusindisa ngokulula ngokwaneleyo umhlala-phantsi wakho ngexesha lokuphila kwakho. "Ukuba ayenzeki kwaye uhlahlo-lwabiwo mali luxinene kakhulu, kufuneka ujonge ukugcina elona xabiso liphezulu lokuthelekisa, utshilo uPalmer.

U-Hack: Ukususela ngo-2015, iipesenti ezingama-73 zabaqeshi baqhuba uhlobo oluthile lweenkqubo ezingama-401k, ngokutsho koMbutho woLawulo lwaBasebenzi (SHRM). Oko kuthetha ukuba nantoni na oyikhethileyo yokuya kulondolozo lomhlalaphantsi, inkampani yakho iyakuyithelekisa ngokunikela konga lwakho kwi-dime yabo. Kuyamangalisa, akunjalo? Kodwa ngaphambi kokuba ucinge "imali yasimahla!" kwaye ubeke bucala 75 ekhulwini umvuzo wakho kumzamo wokubetha inkqubo, yazi oku: ngokuqhelekileyo kukho ubuninzi benkampani eya kuhambelana nayo. Umgangatho weenkampani ezininzi kukutshatisa isiqingatha seepesenti ezintandathu zokuqala, uPalmer uthi, oko kuthetha ukuba, baya kudibana isiqingatha igalelo lakho, ngomrhumo omkhulu weepesenti ezintathu.

IMathematika: Masithi wenze malunga ne-50,000 yeedola ngonyaka (okungumvuzo oqalayo we-2015 grads kunye nesidanga se-bachelor, ngokutsho koMbutho weSizwe weeKholeji kunye nabaqeshi). Ukuba ubuza kufaka iipesenti ezili-10 zomvuzo wakho werhafu ngaphambi kwe-401k yakho, ugcina i $ 5,000 ngonyaka. Ukuba inkampani yakho ifanelana nesiqingatha seepesenti ezintandathu zokuqala, badibanisa i- $ 1,500 eyongezelelweyo ngaphandle kokuba wenze nantoni na. I-clutch entle, akunjalo?

Ayinkulu kumanani? Unokufumana kwakhona izixhobo zokubala eziluncedo kwi-intanethi, kwiinkonzo ezifana neFidelity, ezibonisa ukuba ulondoloza malini kwaye umqeshi wakho unegalelo elingakanani kubomi bakho bonke (kuxhomekeke kumvuzo, ipesenti yomnikelo, ukunyuswa konyaka, iminyaka yomhlalaphantsi. , njl.).

2. Flex Imisipha yakho yeFSA

I-FSA sisichazi esilula: iakhawunti yenkcitho eguqukayo. Kodwa xa idityaniswe neqela lolunye ukhathalelo lwempilo kunye nezibonelelo zejargon, kunokuba lula ukungazijongi njengenye yezo "zinto zididayo abazali bam abanazo andizidingi." Kodwa banokukugcina intlama enzulu ukuba ubeka umsebenzi womlenze kwaye uhlale uhlelekile.

Undoqo: Ii-FSAs zii-akhawunti zogcino onokuzisebenzisa ukuhlawulela izinto ezithile, ukusuka kwiindleko zonyango ukuya kwezothutho kunye nokupaka ukuya kukhathalelo lwabantwana. Njengama-401k akho, imali ethile oyikhethayo inyanga nenyanga iya kukhutshwa kwirhafu yakho yangaphambi kokurhafiswa kwaye ifakwe kwiakhawunti ekhethekileyo.

IHack: Nokuba awubhalisanga kwisicwangciso seinshurensi yezempilo yabaqeshi bakho, usenokusebenzisa ithuba lokhathalelo lwempilo i-FSA ukuhlawula iindleko ezinje ngeelensi zonxibelelwano okanye ukujonga impilo rhoqo. Ukuhamba kwe-FSA kuluncedo ngakumbi-ukuba uyazi ukuba uchitha imali ethile kwindawo yokupaka okanye kwikhadi elingaphantsi kwenyanga nganye, ukhuphe irhafu nayo.

IMathematika: Usenokuba ucinga, "phambi kwerhafu, yintoni ke?" kodwa ukuhlawulela ezi ndleko zisisinyanzelo ngqo emvuzweni wakho kungakongela imali eninzi ekuhambeni kwexesha ebinokuya kwirhafu. Umzekelo, masithi uchitha i-100 yeedola kumgaqo ongaphantsi kwenyanga ukuya emsebenzini. Kwaye masithi uhlala eNew York kwaye unomvuzo oyi- $ 50,000. Malunga nama-25 ekhulwini omvuzo wakho uya kwirhafu. Ukuba unayo imali engama-100 engaphantsi komhlaba ekhutshwe kwi-paycheck yakho yangaphambi kwerhafu nganye ngenyanga, uza kugcina malunga ne-25 yeedola ngenyanga. Kwaye, heyi, loo nto yongeza into efana ne-Starbucks eyongezelelekileyo ezintlanu ngenyanga, okanye i-1,500 yeedola eyongezelelweyo ebhankini emva kweminyaka emihlanu.

I-Palmer iqaphela ukuba kuya kufuneka ulunge kuloo mali evela kumvuzo wakho kungenakufunyanwa (funda: ngekhe uyisebenzisele izinto enye kunokuba iakhawunti ichaziwe). Kodwa ukuba unokuhlala uhlelekile kunye neerisithi kunye namaphepha, ii-FSAs zinokuba njalo ke ufanelekile ixesha lakho.

3. Buyelwa Imali ukuze ube sempilweni

Kukho izinto ezingaphezulu kokuqina komzimba ngakumbi kunale nto yokuba ngoku ungathenga iimpahla zokuzilolonga kwivenkile nganye; Abaqeshi abaninzi ngoku banikezela intlalontle okanye umsebenzi / izibonelelo zobomi ezingakhange zikunikeze xa, yithi, ningabazali nibadala. Ezi zinto zibandakanya izinto ezifana nokuhlolwa kwezempilo simahla kunye nokubonelela ngempilo entle emsebenzini (njengejimu ese-ofisini okanye iiklasi zokuzilolonga), ingcebiso yesondlo sasimahla kwindawo okanye uqeqesho lobuqu, kunye nengcebiso ethotyiweyo yempilo yengqondo, utshilo uPalmer. Unokubamba izaphulelo okanye ukubuyiselwa kwemali yobulungu bakho bokuzivocavoca kunye nezixhobo zokuphila ezisempilweni ezinje ngeFitbits okanye ezinye ii trackers nazo. Uninzi lweenkampani ziya kuhambelana nexabiso elithile ledola ngenyanga, unyaka, okanye imveliso, utshilo uPalmer.

IHack: Ukuba sele uhlawulela ubulungu bejim inyanga nenyanga, ukubuyisela imali kwinkampani yakho kunokuba lula njengokungenisa ilog yotyelelo lwakho kwindawo yokuzivocavoca. Ukufela iFitbit entsha? Endaweni yokukhangela i-Intanethi ngemodeli ethotyiweyo okanye ukugrumba iikhowudi zekhuphoni, unokukwazi ukuthumela irisithi yakho kwaye ufumane imali kwinkampani yakho. (Psst...Nantsi eyona Tracker yoFitness kuBuntu bakho.)

IMathematika: Yonke inkampani ilawula izibonelelo zempilo eyahlukileyo, utsho uPalmer. Kodwa uninzi lunenkqubo yembuyekezo entle xa kufikwa kubulungu bejim; ukuba inkampani yakho ibonelela ngesixa semali esiyi- $ 500 kwimbuyekezo yeklabhu yokomelela ngonyaka, oko kuthetha ukuba nabuphi na ubulungu obungaphantsi kwe- $ 40 ngenyanga ngokuqinisekileyo buya kuba simahla. Ukuba # uzonwabisela indawo yokuzivocavoca yomntu othanda umdlalo, usenokucinga ngesaphulelo esikhulu.

4.Ukude kude kwiMali-mboleko yabafundi

Ukuba uphumelele naliphi na ixesha kule minyaka ingamashumi idlulileyo, uyazi ukuba ingxaki yamatyala abafundi inkulu. Kwi-2014, phantse i-70 yeepesenti yabadala bekholeji abaphumeleleyo babenohlobo oluthile lwamatyala omfundi, ngokutsho kweZiko leKholeji yokuFikelela kunye neMpumelelo. Umndilili wetyala: $28,950 ngomfundi ngamnye. Xa ujonge i-avareji yomvuzo wokuqala we-50,000 yeedola, imbonakalo ayilunganga.

Kodwa kukho iindaba ezimnandi: ngakumbi nangakumbi iinkampani zibonelela ngoncedo lwemali mboleko yomfundi kubasebenzi babo ngenkqubo efanayo ne-401k efanayo. Ukusukela ngo-2015, zintathu kuphela iipesenti zabaqeshi abanikezela ngesi sibonelelo, ngokutsho koMbutho woLawulo lwaBasebenzi, kodwa iya isiba yinto edumileyo, utshilo uPalmer.

Ukuqhawula: Qhubeka nokuhlawula iimali-mboleko zakho zabafundi inyanga nenyanga (njengoko kufanelekile ukuba uyenza), kwaye ungenise amaphepha achanekileyo kumqeshi wakho. Banokunceda ngokuhlawula inkampani mboleko ngokuthe ngqo okanye bakubhalele itsheki yokukuhlawula, utshilo uPalmer. Esona sitshixo sikhulu: gcina umkhondo wawo onke amaxwebhu kunye namaxwebhu.

Izibalo: Oku kuxhomekeke ngokupheleleyo kumgaqo-nkqubo wenkampani yakho kunye nomda wedola ekubuyiselweni kwemali mboleko yomfundi. Kodwa masithi bahambelana nobuninzi beedola ezingama-200 ngenyanga, utsho uPalmer-loo nto isakugcinela i-$2,400 ngonyaka. Ixabisa yonke intwana yamaphepha, akunjalo?

Eyona nto inkulu ekufuneka uyiqaphele ngazo zonke ezi zibonelelo kukuba bahlukile kuzo zonke iinkampani. Ngena: i-HR BFF yakho entsha. Mtshitshise malunga nayo yonke imibuzo yakho. Ukuba u unako wonge imali ngokufaka umzamo owongezelelekileyo, kutheni ungakwenzi oko? (Cinga nje ukuba zingaphi brunches kuya kuthenga, nina!) Abantu abadala akunjalo ke emva koko kubi.

Uphengululo lwe