Workplace Stress isangano rekubhadhara $ 300 Billion Gore negore
Nehuwandu, dambudziko rinofungidzirwa kuti rinodhura mabhizimusi eUnited States $ 300 mabhiriyoni gore negore-kana $ 2,000 kune vashandi gore roga roga, maererano neMashoko Ekubatsira Kwebasa ra2015: Kubatsira vashandi kurarama hupenyu hwakanakisisa hwehupenyu hwavo .
Nhamba imwechete iyo inokonzera kushungurudzika ndeyemari kushungurudzika, nehupfumi hutsva hunoti 85% yevashandi varondedzera humwe huwandu hwehutano hwemari, maererano neAmerican Psychological Association uye Financial Finesse
Numeri haarevi nhema, uye kuti asiye kugadzirwa uye mari inokonzerwa nehupfumi inokonzerwa nevashandi kushungurudzika, HR vashandi vanomanikidzwa kupfuura kare kare kuti vagadzirise nyaya iyo.
Bhadhara Euphoria
Vakawanda vanoziva nenyaya mbiri dzinofambisa nyaya dzakabatana nevashandi vematambudziko emari. MunaJanuary, Walmart yakaratidza kuti vanopfuura mamiriyoni 1,2 evanoshamwaridzana navo vachawana kuwedzera kwebhasi pasi pemakore maviri emakambani, $ 2.7 mabhiriyoni ekutsvaga vashandi. Mari yekubhadhara ndeimwe yepamusoro-soro-zuva rimwe chete, mari yega yega yebhadharo yakambovapo.
Seattle-based Gravity Payments yakaitwawo nhepfenyuro apo CEO yayo ichitaura kuti yaive ichitsvaga zvishoma zvishoma nezvemari ye $ 70,000 kune umwe neumwe mushandi.
Yakazogamuchira kugadziriswa apo vatengesi vakavhiringidzika vakabvisa bhizimisi sezvo kutama kwaionekwa semashoko ezvematongerwe enyika kana chikonzero chekuwedzera mari.
Hazvishamisi kuti imwe yenzira dzakanakisisa dzekunatsiridza mushandi wehutano hwemari - uye kuderedza kushungurudzika kunofamba nehupenyu hwekubhadhara-ku-paycheck - ndeyokubudisa kambani-yakawanda muhomwe kuwedzera .
Zvinosuruvarisa, kune vashandi vakawanda, izvi hazvisi zvechokwadi, zvinobvira, kana mari inonzwika. Haisi chinhu chikuru chevatongi vaizobvumirana nazvo.
Iwe uchagara uchitsvaka kubhadhara mubhadharo uye uchigara iye zvino neunyika yebhadharo chikamu chikamu chikamu chako chekuzadzisa zvinangwa zvehurongwa. Asi, iwe unogona kuderedza vashandi vekushandiswa kwemari kuburikidza nedzimwe nzira. Iwe unogona kuita izvi nekutevera matanho matatu aya - hapana chimwe chinoda mutengo mukuru wemitambo kuti uite.
Danho 1: Tarisa Beyond Retirement Planning
SHRM ichangobva kutarisa zvinokonzerwa nezvinetso zvemari munzvimbo yebasa mukuedza kunzwisisa zviri nani nei vashandi vari kuramba vari kurwisana nemari, kunyange sezvo hupfumi huri nani. Maererano neH HR vashandi muSHRM Survey Findings: Kubudirira Kwemari Pabasa , kuronga basa rekurasikirwa kwakarongerwa sechipo chemari chinonyanya kufadza kune vashandi.
Iwe unofanira kugara uchikurudzira vashandi vako kugadzirira ramangwana. Zvisinei, vashandi veH HR vanoda kunzwisisa kuti hupfumi hwenyika hahuna humwe uye hunoitwa. Zvimwe sangano se 401 (k) purogiramu hazviwanzo mhinduro yekuderedza kushungurudzika kwemari. Uye ivo havasi ivo vanokurumidza kufadza nokuda kwema 76% evashandi veAmerica vari kurarama paycheck-to-paycheck, maererano neBhangerate.com ongororo.
Kana iwe wakatarisa kuburikidza ne lens yevashandi, mari yavo yepamusoro yehupfumi haisi kuwana mari yakakwana yekuchengetedza zvisingatarisirwi mari. Izvi zvakaratidzwa munguva pfupi yekudzidza PwC.
Kuti kuderedza kushungurudzika kwezvemari uye kushungurudzika, vashandi vanofanira kutsvaga kupa zvipo zvekubhadhara mari inobvumira vashandi kuita zvinhu zvakakura, zvisingatarisirwi, kana zvekutsvaga, pasina kushandiswa kune dzimwe nzira dzinodhura dzinotungamirira pamusika nhasi.
Iyi ndiyo mhinduro chaiyo yehupfumi iyo inogona kupa vashandi nekudzvinyirirwa mupfungwa uyezve, inowedzera kubudirira uye inoshanda panzvimbo.
Nhanho 2: Dzokera Kumasimboti
Gwaro rezvemajeri mazano uye dzidzo inogona kutaura zvakanyanya kumushandi wezuva ranhasi. Mamiriro emari evanhu vose uye kukonzerana kunokonzera kwavari, asi unogona kugovera mazano ezvinyorwa, asingagoneki achabatsira vashandi kutonga mari.
Funga kuumba mabhizinesi ezvokuchengetedza zvemari kuti uite mitemo inotarisirwa. Shandisa iyo zvinyorwa zvinowedzera bhajeti, kuwana mari, kugadzirisa mari, kubhadhara, uye kuchengetedza.
Kana ikambani yeHR ichida kutora raibhurari yekushandisa kune imwe nzvimbo inotevera, inogona kuongorora kudya kwemasikati-uye-inodzidza kune imwe nyanzvi yemari inofamba nenyaya imwe neimwe zvakadzama. Somuenzaniso, nyaya yebhajheti inogona kutarisa kukosha kwokubhadhara zvikwereti nenguva, kuchengetedza mari iri pasi pekutonga, uye zvinetso zvekwereti inosvika.
Pasinei nemugwagwa waunotora, HR inofanira kunyatsotaura nezvekuwanikwa kwechipo chokukurudzira kupinda pamwe nekuona zviwanikwa.
Kana rurasi yemari yepamusoro yemari ikanyanya kudedera, tora nyaradzo nokuti makambani achasunungura pasina ruzivo ruzivo urwu kuvashandi pasina rusununguko, pasina kuisa mhiko kune HR team.
Danho rechitatu: Iva Nheyo yeNyaya dzeMari dzakachengeteka uye dzisina kuchengeteka
Kana uchitarisisa kuti nei mushandi wezvemari ari kushandiswa pamatsetse, zvakaoma kusaregerera kuti zvirongwa zvakawanda zvehutano zvakarongwa zvisingatarisirwi maererano nezvinodiwa zvekuchengetedzwa kwemari. Vanoteerera zvido zveavo vane mari vasina kuchengeteka mune zvemari.
Mazano ekutsvaga mari uye kuronga basa rekugara muhurumende. Iwe haugoni kuramba kuti vanogona kubatsira kubvisa zvinetso zvakafanana. Zvisinei, mazano aya haagoni kuisa masangano ekudzoka kwawo kwakanakisisa sezvaanoenderana nehuwandu hwevashandi vakawanda.
Iye zvino zvaunoziva kuti mari yepamusoro yevashandi vazhinji ine mari yezvinhu zvisingatarisirwi, kuwedzera zvirongwa zvevashandi vanotarisa izvi. Ongorora zvisarudzo zvinosanganisira mapurogiramu asina kutenga.
Nehuwandu, 94% yevashandi vanobvumirana kana zvimwe vanobvumirana kuti kuva nekusvika kune purogiramu yekutenga mushandi kunobatsira kuderedza dambudziko ravo rezvemari uye kushungurudzika maererano nekuongorora kwakatarisa "9 kusvika ku 5" kukanganisa kwemari yekudzvinyirira. Kuzadzikisa mari yekambani yemari yepabheti nemhando iyi yepurogiramu ndeimwe yenzira dzakanakisisa dzokusunungura vashandi vekubhadhara mari mari.
Uye, zvisarudzo zvezuva ranhasi zvakagadzirirwa kuvimbisa kuti HR pros inogona kuita chirongwa mukati maawa makumi maviri nemaviri. Izvi zvinoderedza kushungurudzika kwekutora pane imwe rubatsiro iyo inowedzera nguva. Mari inoshandiswa iyo inodzorerwa kune kambani kuburikidza netarenda yekuwana, kuchengetedza , kuvimbika, kubatanidzwa , nekubudirira kunogona kuisa pakarepo hurongwa hweH HR sevatungamiri vanofambira mberi vanowedzera mukurumbira wavo sangano.
The Bottom Line
Hakuchina magic wand anozoita kuti kushanda kwepabonde kusvike , asi kubvisa pane zvayo kunogona kubatsira kuisa makambani munzira yekubudirira.
Zvidzidzo zvinoratidza kuti vashandi vanoisa mari yekudzidzisa vashandi mune mari yavo pachavo vachaona kudzoka kwe3 kusvika ku1 mukutsvaga, kuvandudza rutivi rwavo pasi, uye kunakidzwa nevashandi vanogutsikana uye vanobudirira. ("Inguva Yokugadzira Vashandisi Vezvemari Kunyora Kuvandudza Chinhu Chinokosha." Makomborero Okutsigirwa Digest 46 (4): 1, 11-14)
Nevashandi vatatu kubva kune vana vanorarama mubhadhare-ku-paycheck, mushandi wekumanikidzika wevashandi angasazoenda usiku humwe chete, asi hapana kumbove nguva yakanakisisa yekugadzirisa nyaya yacho nekubatsirwa kubva pamabasa anobatsira ekubhadhara mari.