Momwe Mungayambitsire Phindu Lanu la HR Monga Bwana

Zamkati

• 1. Phunzitsani 401k Wanu
• 2. Flex Your FSA Minofu
• 3. Pezani Ndalama Kuti Mukhale athanzi
• 4. Kutalikirana ndi Ngongole za Ophunzira
• Onaninso za

Chifukwa chake mudakhomera kuyankhulana, mwapeza ntchito, ndikukhala pa desiki yanu yatsopano. Muli panjira yopita ku # akulu ngati a zenizeni munthu. Koma ntchito yabwino sikungodikira kuyambira 9 mpaka 5 ndikusunga malipiro anu sabata iliyonse; ntchito zenizeni zimabwera ndi maubwino ena omwe-ngati mutagwiritsa ntchito-akhoza kukupulumutsirani ndalama zambiri. (Zambiri: 16 Ndalama Zimalamulira Mkazi Wonse Kuti Azidziwa Pofika Zaka 30)

"Anthu ambiri amasiya ndalama patebulo chifukwa samalembetsa kuti apindule," akutero Kimberly Palmer, mlembi wa bukuli. Kupeza Zobadwa: Upangiri wa Achinyamata Professional pa Kuwononga, Kuika Ndalama, ndi Kubwezeretsanso. "Mwina sakuwadziwa kapena akungokhala zovuta kuti mulembe, koma mutha kudzipulumutsa ndalama zambiri powonetsetsa kuti mwasainira omwe alipo."

Ngakhale kuti anthu ena amapeza phindu lokwanira lomwe limakwaniritsa zosankha zonse, Palmer akuti nthawi zina mumayenera kufikira kwa HR rep yanu kuti mupeze zofunikira zonse. Mukufuna kudziwa zomwe muyenera kuyang'ana? Tasanthula mitundu inayi yofunika kwambiri yamaubwino omwe mungapewe pantchito yanu. Kudziwa zilembo ndi manambala onsewa kudzakhala koyenera-tikukulonjezani.

1. Phunzitsani 401k Wanu

Ichi ndi chimodzi mwazinthu zazikulu za akuluakulu ganizani simuyenera kuda nkhawa mpaka aliyense atakhala ndi wina kupatula inu. Kwenikweni, 401k ndi pulani yopuma pantchito yomwe imathandizidwa ndi abwana anu. Mumasankha ndalama kuti mutuluke mwezi uliwonse, ndipo zimasungidwa muakaunti yosungira.

Kodi muyenera kuchotsa ndalama zingati? Palmer amalimbikitsa 10-15% ya malipiro anu, ngati mungathe kutsegulira. Mukayamba kuchita izi mzaka 20, Palmer akuti musunga ndalama zokwanira kupuma pantchito pazaka zanu zonse. "Ngati izi sizingatheke ndipo bajeti yanu ndiyokwaniritsa, muyenera kungokhalira kusunga ndalama zokwanira kufanana nazo," akutero Palmer.

The Hack: Pofika mu 2015, 73% ya olemba anzawo ntchito adachita mtundu wina wa mapulogalamu 401k ofanana, malinga ndi Society for Human Resource Management (SHRM). Izi zikutanthauza kuti chilichonse chomwe mungasankhe kuti mugwiritse ntchito ndalama zanu zopuma pantchito, kampani yanu idzafanana nayo popereka ndalama zomwe mwasunga pa ndalama zawo. Zodabwitsa, chabwino? Koma musanaganize "ndalama zaulere!" ndipo patulani 75% ya malipiro anu poyesa kuwononga dongosolo, dziwani izi: nthawi zambiri pamakhala kampani yomwe ikufanana. Muyeso wamakampani ambiri ndikuti afanane ndi theka la magawo asanu ndi limodzi oyamba, Palmer akuti, kutanthauza kuti, adzafanana theka chopereka chanu, ndi chopereka chachikulu cha magawo atatu pa zana.

Masamu: Tiyerekeze kuti mumapanga pafupifupi $ 50,000 pachaka (yomwe ndi ndalama zoyambira mu 2015 grads ndi digiri ya bachelor, malinga ndi National Association of makoleji ndi Olemba Ntchito). Mukadapereka 10 peresenti yamalipiro anu amisonkho ku 401k yanu, mukusunga $5,000 pachaka. Ngati kampani yanu ikufanana ndi theka la magawo asanu ndi limodzi oyamba, akuwonjezera $ 1,500 popanda kuchita chilichonse. Chovala chokongola, chabwino?

Osati akulu pamanambala? Muthanso kupeza ma calculator othandizira pa intaneti, kuchokera pazantchito monga Kukhulupirika, zomwe zimakusonyezani kuchuluka kwa ndalama zomwe mumasunga komanso zomwe abwana anu akukuthandizani pamoyo wanu wonse (kutengera malipiro, kuchuluka kwa zopereka, kukweza pachaka, zaka zopuma pantchito , etc.).

2. Flex Your FSA Minofu

FSA ndichidule chosavuta: akaunti yosinthira ndalama. Koma ikaphatikizidwa ndi magulu ena azachipatala ndi mapindu, zingakhale zosavuta kuzinyalanyaza monga china mwa "zinthu zosokoneza zomwe makolo anga ali nazo zomwe sindikuzifuna." Koma akhoza kukupulumutsani mtanda waukulu ngati muyika ntchito ya mwendo ndikukhala mwadongosolo.

Zofunika: FSAs ndi maakaunti osungira omwe mungagwiritse ntchito kulipirira zinthu zina, kuyambira pamitengo yamankhwala, mayendedwe ndi magalimoto mpaka kusamalira ana. Monga 401k yanu, ndalama zomwe mumasankha mwezi uliwonse zidzachotsedwa pamalipiro anu musanaperekedwe ndikuyika muakaunti yapadera.

Kusokoneza: Ngakhale simunalembetsedwe mu inshuwaransi ya olemba anzawo ntchito, mutha kugwiritsa ntchito mwayi wa FSA kuti mulipire zolipira monga magalasi olumikizirana kapena kuwunika pafupipafupi. Mayendedwe a FSA ndi othandiza makamaka-ngati mukudziwa kuti mumagwiritsa ntchito ndalama zingapo poyimika magalimoto kapena makhadi apansi pamwezi mwezi uliwonse, mwalandiranso msonkho.

Masamu: Mwina mukuganiza kuti, "msonkho usanachitike, ndiye chiyani?" koma kulipira ndalama zoyenerazi kuchokera pa zomwe mumalipira kumatha kukupulumutsirani ndalama zambiri pakapita nthawi zomwe zingapite kumisonkho. Mwachitsanzo, tinene kuti mumagwiritsa ntchito $ 100 pamitengo yapansi panthaka mwezi uliwonse kuti mupite kuntchito. Ndipo tinene kuti mukukhala ku New York ndipo muli ndi malipiro a $ 50,000. Pafupifupi 25 peresenti ya ndalama zanu zimapita kumisonkho. Ngati muli ndi ndalama zokwana $ 100 zapansi panthaka zomwe zimachotsedwa pamalipiro anu musanapereke msonkho mwezi uliwonse, mudzasunga pafupifupi $ 25 mwezi uliwonse. Ndipo, Hei, izi zimawonjezera zina monga ma Starbucks lattes asanu pamwezi, kapena $ 1,500 ku banki patatha zaka zisanu.

Palmer akunena kuti muyenera kukhala bwino ndi ndalama zomwe mumalandira chifukwa chosagwirika (werengani: simungagwiritse ntchito pazinthu zina kuposa zomwe akauntiyo yatchulidwira). Koma ngati mungakhale okonzeka ndi mapepala anu ndi mapepala, FSAs akhoza kukhala kotero ndiwe wofunika.

3. Pezani Ndalama Kuti Mukhale athanzi

Palinso zofunikira zambiri pazolimbitsa thupi kuposa kuti mutha kugula zovala zolimbitsa thupi m'sitolo iliyonse; olemba anzawo ntchito ambiri tsopano amakhala ndi moyo wathanzi kapena ntchito / moyo zomwe sanakupatseni pomwe, munati, ndinu makolo anali achikulire. Zowonjezerazi zikuphatikizapo zinthu monga kuyezetsa kwaulere ndi zopereka zolimbitsa thupi kuntchito (monga masewera olimbitsa thupi kuofesi kapena makalasi olimbitsa thupi), upangiri waulere pamalopo kapena maphunziro aumwini, komanso upangiri waumoyo wamaganizidwe, atero a Palmer. Mutha kubwezanso kuchotsera kapena kukubwezerani umembala wanu wamasewera olimbitsa thupi ndi zida zokhala ndi thanzi labwino monga Fitbits kapena ma tracker enanso. Makampani ambiri amafanana ndi ndalama zina za dollar pamwezi, chaka, kapena mankhwala, Palmer akuti.

The Hack: Ngati mumalipira kale mamembala a masewera olimbitsa thupi mwezi uliwonse, kupeza ndalama kuchokera ku kampani yanu kungakhale kosavuta monga kutumiza chipika chaulendo wanu ku malo ochitira masewera olimbitsa thupi. Ndikulakalaka Fitbit yatsopano? M'malo mofufuza pa intaneti kuti mupeze mtundu wochotseredwa kapena kukumba ma code amakuponi, mutha kupereka risiti yanu ndikubweza ndalama ku kampani yanu. (Psst...Nayi Best Fitness Tracker ya Umunthu Wanu.)

Masamu: Kampani iliyonse imagwira ntchito mosiyanasiyana, atero a Palmer. Koma ambiri amakhala ndi pulogalamu yobwezeretsanso ndalama pokhudzana ndi ziwalo za masewera olimbitsa thupi; ngati kampani yanu ikupereka ndalama zokwana $ 500 pakulipirira zolimbitsa thupi pachaka, zomwe zikutanthauza kuti mamembala onse ochepera $ 40 pamwezi amakhala omasuka. Ngati inu #treatyoself kupita kumalo ochitira masewera olimbitsa thupi, mutha kuganizabe ngati kuchotsera kwakukulu.

4. Kutalikirana ndi Ngongole za Ophunzira

Ngati mwamaliza maphunziro anu nthawi iliyonse zaka makumi angapo zapitazi, mukudziwa kuti vuto la ngongole la ophunzira ndi lalikulu. Mu 2014, pafupifupi 70 peresenti ya omwe amaliza maphunziro awo ku koleji anali ndi ngongole zina zaophunzira, malinga ndi Institute for College Access and Success. Chiwerengero cha ngongole: $ 28,950 pa wophunzira. Mukayang'ana ndalama zoyambira pafupifupi $ 50,000, malingaliro siabwino.

Koma pali nkhani ina yabwino: makampani ochulukirachulukira akupereka thandizo kwa ngongole kwa ophunzira kwa njira yofananira ndi 401k yofananira. Pofika mu 2015, atatu okha mwa olemba anzawo ntchito ndi omwe adapereka izi, malinga ndi Society for Human Resource Management, koma ikuyamba kutchuka, akutero Palmer.

The Hack: Pitirizani kulipira ngongole za ophunzira anu mwezi uliwonse (monga mukuyenera kuchita), ndipo perekani zolemba zolondola kwa abwana anu. Angakuthandizireni kulipira kampani yobwereketsa kapena kukulembera cheke kuti akubwezere, akutero Palmer. Chinsinsi chachikulu: sungani zolemba zonse ndi zolemba.

Masamu: Izi zimadalira kwathunthu malingaliro amakampani anu ndi malire amalo obwezera ngongole za ophunzira. Koma tinene kuti akufanana ndi ndalama zokwana $200 pamwezi, akutero Palmer-zomwe zikukupulumutsiranibe $2,400 pachaka. Ndikofunika zolemba zonse, sichoncho?

Chofunika kwambiri kuzindikira pazabwino zonse izi ndikuti amasiyana pamakampani onse. Lowani: HR BFF yanu yatsopano. Mufunseni za mafunso anu onse. Ngati inu angathe sungani ndalama poyesetsa pang'ono, bwanji osatero? (Tangoganizani za brunches angati izo kugula, inu anyamata!) Achikulire si kotero zoipa pambuyo pake.

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