Ungazilahla Kanjani Izinzuzo Zakho Zakwa-HR Njengebhosi

-Delile

• 1.Thola i-401k yakho
• 2. Flex Imisipha Yakho ye-FSA
• 3. Buyisela Imali Ukuze Ube Nempilo
• 4. I-Chip Away in Student Loans
• Buyekeza kwe-

Ngakho ushayele inhlolokhono, wawuthola umsebenzi, futhi wazinza edeskini lakho elisha. Usendleleni ngokusemthethweni eya #okudala njenge okwangempela komuntu. Kepha ukuqashwa okuphumelelayo kungaphezu kokuvala isikhathi kusuka ku-9-to-5 nokwenza imali yakho ekhokhelwa isonto ngalinye; imisebenzi yomhlaba wangempela iza nezinye izinzuzo ezengeziwe uma-uma usebenzisa inzuzo-ingakongela imali engathí sina. (Okuningi: Imali Eyi-16 Ilawula Wonke Umuntu Wesifazane Okufanele Akwazi Ngeminyaka Engama-30)

"Abantu abaningi bashiya imali etafuleni ngoba abazibhaliseli izinzuzo," kusho uKimberly Palmer, umbhali we Ukuthola Isizukulwane: Umhlahlandlela Wentsha Wobungcweti Kokusebenzisa Imali, Ukutshala Imali, Nokubuyisela Emuva. "Kuphakathi kokuthi abazi ngabo noma bayinkinga nje yokubhalisela, kepha ungazisindisela ithani lemali ngokuqinisekisa ukuthi ubhalisela lezo ezitholakalayo."

Ngenkathi abanye abantu bethola ukuqondisa kwezinzuzo okuphelele okuhlanganisa zonke izinketho ezitholakalayo, uPalmer uthi ngezinye izikhathi udinga ukufinyelela kummeli wakho wakwa-HR ukuze uthole imenyu ephelele yezinzuzo. Ufuna ukwazi ukuthi yini okufanele uyibheke? Siphule izinhlobo ezine zezinzuzo ezibaluleke kakhulu ongazithola emsebenzini wakho. Ukwazi wonke lawa ma-acronyms nezinombolo kuzofanele - siyathembisa.

1.Thola i-401k yakho

Lokhu kungenye yalezo zinto zabantu abadala abakhulu kakhulu cabanga awudingi ukuthi ukhathazeke ngokuthi-kuze kube yilapho wonke umuntu enaye ngaphandle kwakho. Ngokuyisisekelo, i-401k uhlelo lokuthatha umhlalaphansi oluxhaswe umqashi wakho. Ukhetha inani elithile lemali elizokhishwa kumholo wakho inyanga ngayinye, bese lingena ngokuzenzekelayo kwi-akhawunti yokonga.

Kufanele ubeke malini? UPalmer uncoma amaphesenti ayi-10-15 omholo wakho, uma ukwazi ukuwuguqula. Uma uqala ukwenza lokho ngeminyaka yama-20s, uPalmer uthi uzokonga kalula imali eyanele yokuthatha umhlalaphansi phakathi nesikhathi sakho sokuphila. "Uma lokho kungenzeki futhi isabelomali sakho siminyanisa, kufanele uhlose ukonga inani eliphezulu lokufanisa," kusho uPalmer.

Uhlelo lwe-Hi-ack: Kusukela ngo-2015, amaphesenti angama-73 abaqashi asebenzise uhlobo oluthile lohlelo lokufanisa lwe-401k, ngokusho kweNhlangano Yezokuphathwa Kwabasebenzi (SHRM). Lokho kusho ukuthi noma yini oyikhethayo ukungena kulondolozo lwakho lomhlalaphansi, inkampani yakho izokufanisa ngokunikela kulondolozo lwakho ngedime labo. Amazing, akunjalo? Kodwa ngaphambi kokucabanga "imali yamahhala!" bese ubeka eceleni amaphesenti angama-75 wemali yakho oyiholayo ukuzama ukushaya uhlelo, yazi lokhu: imvamisa kunenkinga enkulu inkampani ezofanelana nayo. Izinga lezinkampani eziningi ukufanisa uhhafu wamaphesenti ayisithupha okuqala, kusho uPalmer, okusho ukuthi, azofanelana uhhafu umnikelo wakho, nomnikelo omkhulu wamaphesenti amathathu.

Izibalo: Ake sithi wenza cishe ama- $ 50,000 ngonyaka (okuyimali ejwayelekile yokuqala yamagradi ka-2015 oneziqu ze-bachelor, ngokusho kweNational Association of Colleges and Employers). Uma ubunganikela ngamaphesenti angu-10 omholo wakho wangaphambi kwentela ku-401k wakho, wonga u-$5,000 ngonyaka. Uma inkampani yakho ifana nengxenye yamaphesenti ayisithupha okuqala, ingeza i- $ 1,500 eyengeziwe ngaphandle kokuthi wenze noma yini. I-clutch enhle, akunjalo?

Ayinkulu ngezinombolo? Ungathola futhi izibalo zeminikelo eziwusizo ku-inthanethi, ezinsizeni ezifana ne-Fidelity, ezikubonisa ukuthi wonga malini nokuthi umqashi wakho unikela kangakanani phakathi nokuphila kwakho konke (kuye ngeholo, iphesenti lomnikelo, ukukhushulwa konyaka, iminyaka yomhlalaphansi. , njll.).

2. Flex Imisipha Yakho ye-FSA

I-FSA isifinyezo esilula kakhulu: i-akhawunti yokusebenzisa imali eguquguqukayo. Kodwa uma kuhlanganiswe nenqwaba yolunye ukunakekelwa kwezempilo nezinzuzo zejargon, kungaba lula ukungazinaki njengenye nje "yalezo zinto ezididayo abazali bami abanazo engingazidingi." Kepha bangakongela inhlama engathi sína uma ufaka umsebenzi womlenze futhi uhlale uhlelekile.

I-jist: Ama-FSAs ama-akhawunti okonga ongawasebenzisela ukukhokhela izinto ezithile, kusuka ezindlekweni zezokwelapha ukuya ezokuthutha kanye nokupaka kuya ekunakekelweni kwengane. Njengo-401k wakho, inani elithile lemali olikhethayo njalo ngenyanga lizokhishwa enkolweni yakho yangaphambi kwenkokhelo bese lifakwa ku-akhawunti ekhethekile.

I-Hack: Ngisho noma ungabhalisiwe ohlelweni lomshwalense wezempilo wabaqashi bakho, usengakwazi ukusebenzisa i-FSA yokunakekelwa kwezempilo ukuze ukhokhele izindleko ezifana namalensi okuxhumana noma ukuhlolwa kwezempilo okujwayelekile. I-FSA yezokuthutha iwusizo kakhulu-uma wazi ukuthi uchitha inani elithile endaweni yokupaka noma ekhadini lesitimela esihamba ngaphansi komhlaba njalo ngenyanga, nawe ukhiphe leyo ntela yangaphambi kwesikhathi.

Izibalo: Ungahle ucabange, "pre-tax, pho?" kepha ukukhokhela lezi zindleko eziyimpoqo kusuka ekukhokhelweni kwakho kungakongela imali eningi ngokuhamba kwesikhathi ebingaya enteleni. Isibonelo, ake sithi usebenzisa u-$100 ezindlekweni zesitimela esihamba ngaphansi komhlaba njalo ngenyanga ukuze uye emsebenzini. Futhi ake sithi uhlala eNew York futhi uneholo lama- $ 50,000. Cishe amaphesenti angu-25 omholo wakho aya ezintela. Uma unayo leyo mali engaphansi kuka- $ 100 ekhishwe esitimeleni sakho senyanga nenyanga, uzokonga cishe u- $ 25 njalo ngenyanga. Futhi, lokho, lokho kufinyelela entweni efana nama-Starbucks lattes amahlanu amahle ngaphezulu ngenyanga, noma amanye ama- $ 1,500 ebhange ngemuva kweminyaka emihlanu.

UPalmer uphawula ukuthi udinga ukulunga ngaleyo mali evela kumholo wakho ngokungathinteki (funda: awukwazi ukuyisebenzisa ezintweni okunye kunalokho okushiwo yi-akhawunti). Kodwa uma ungahlala uhlelekile ngamarisidi akho kanye namaphepha, ama-FSA angaba njalo ngakho kukufanele isikhathi sakho.

3. Buyisela Imali Ukuze Ube Nempilo

Kunezinzuzo eziningi nakakhulu ku-fitness craze evamile kuneqiniso lokuthi ungakwazi manje ukuthenga izingubo zokujima kuzo zonke izitolo; abaqashi abaningi manje banikeza inqwaba yezinzuzo zempilo kahle noma umsebenzi/impilo abangazange bakunike ngenkathi, yithi, ningabazali basebancane. Lezi zinzuzo zifaka izinto ezinjengokuhlolwa kwezempilo kwamahhala nokunikezwa kokuqina emsebenzini (njengokuzivocavoca okusehhovisi noma amakilasi okuzivocavoca umzimba), ukwelulekwa mahhala kokudla endaweni noma ukuqeqeshwa komuntu siqu, kanye nokwelulekwa ngempilo yezengqondo, kusho uPalmer. Ungathatha futhi izaphulelo noma ukubuyiselwa kwemali kubulungu bakho bokuzivocavoca kanye namathuluzi wokuphila anempilo afana neFitbits noma amanye ama-tracker nawo. Izinkampani eziningi zizofanelana nenani elithile ledola ngenyanga, ngonyaka, noma umkhiqizo, kusho uPalmer.

Ukugenca: Uma usuvele ukhokhela ubulungu bokuzivocavoca inyanga ngayinye, ukuthola imali enkampanini yakho kungaba lula njengokuhambisa ilog yokuvakasha kwakho ejimini. Ufela iFitbit entsha? Esikhundleni sokuhhewula i-Intanethi ukuthola imodeli enesaphulelo noma ukumba amakhodi amakhuphoni, ungahle ukwazi ukuthumela irisidi lakho bese ubuyisa imali enkampanini yakho. (I-Psst ... Nansi Isilandeli Esihle Sokuqina Kobuntu Bakho.)

Izibalo: Yonke inkampani iphatha izinzuzo zokuphila ngendlela ehlukile, kusho uPalmer. Kodwa iningi linohlelo oluhle lokubuyisela imali uma kuziwa ebulungwini bejimu; uma inkampani yakho inikeza u-$500 wembuyiselo yekilabhu yokufaneleka ngonyaka, lokho kusho ukuthi noma ibuphi ubulungu obungaphansi kuka-$40 ngenyanga buzoba mahhala. Uma #utreatyoself to a fancier gym, usengacabanga ngakho njengesaphulelo esikhulu.

4. I-Chip Away in Student Loans

Uma uphumelele nganoma yisiphi isikhathi emashumini ambalwa edlule, uyazi ukuthi inkinga yezikweletu zabafundi inkulu. Ngo-2014, cishe amaphesenti angu-70 abantu abadala basekolishi abaphothula iziqu babenohlobo oluthile lwezikweletu zabafundi, ngokusho kwe-Institute for College Access and Success. Inani elilinganiselwe lesikweletu: $ 28,950 ngomfundi ngamunye. Uma ubheka iholo elijwayelekile lokuqala lama- $ 50,000, umbono awumuhle.

Kepha kunezindaba ezinhle: ziyanda izinkampani ezihlinzeka ngosizo lwemalimboleko yabafundi kubasebenzi bazo ngenqubo efana nokumadanisa okungu-401k. Kusukela ngo-2015, amaphesenti amathathu kuphela abaqashi abanikeze le nzuzo, ngokusho kweNhlangano Yezokuphathwa Kwabasebenzi, kodwa iya ngokuya idume, kusho uPalmer.

Ukugenca: Qhubeka nokukhokha izimalimboleko zakho zabafundi inyanga ngayinye (njengoba kufanele wenze), bese uthumela umqashi wakho amaphepha afanele. Bazosiza ngokukhokha inkampani ebolekayo ngqo noma bakubhalele isheke lokukukhokhela, kusho uPalmer. Ukhiye omkhulu kunayo yonke: gcina umkhondo wawo wonke amaphepha nemibhalo.

Izibalo: Lokhu kuncike ngokuphelele kunqubomgomo yenkampani yakho kanye nomkhawulo wedola ekubuyiselweni kwemali mboleko yabafundi. Kodwa ake sithi ahambisana nenani eliphakeme lama- $200 ngenyanga, kusho uPalmer-lokho kusakongela u-$2,400 ngonyaka. Ufanele wonke amaphepha, akunjalo?

Into enkulu okufanele uyiqaphele ngazo zonke lezi zinzuzo ukuthi zihlukile kuzo zonke izinkampani. Faka: i-HR BFF yakho entsha. Mtshele mayelana nayo yonke imibuzo yakho yezinzuzo. Uma u can wonga imali ngokufaka umzamo omncane owengeziwe, kungani ungeke? (Cabanga nje ukuthi izothenga amabhulashi amangaki, bafo!) Ukukhula akuyona ngakho ngemuva kokubi.

Buyekeza kwe-