Nzira Yokubata Nayo Kusiya Basa Rako

by Alison Doyle

Mazano Nezano Rokufambisa Nenyasha Kubva Mubasa

Paunobva mubasa rako, zvisinei pasinei nesarudzo yako kana kuti sarudzo yako, mushandi wekuenda kwako unoda kugadziriswa. Iwe unoda kupa chiziviso kana iwe uri kuregera uye kuronga zuva rako rokupedzisira pane basa.

Iwe uchazofanirawo kuronga kuchinja kwako uye kufunga nezvebasa rekubatsira zvingasarudzwa, sezvipi zvingaita newe 401k kana pension yako, uye enda pazwi rakanaka kana uchikwanisa.

Hezvino ndiyo nzira yekuita nayo basa rako, kusanganisira mazano ekurega basa, maitiro ekubvisa kubhadhara, apo iwe uchawana mubhadharo wako wokupedzisira, ungataura sei kubhadhara kune vashandi vako, uye kuti kutarisira mushandi wako kunobatsira sei kuchinja.

01 Ungadzivisa sei Kubva pane Jobho

Kana paine chisarudzo chako chekuenderera mberi, zvinokosha kuti usunungure zvakanaka pasina kupisa mabhiriji. Iwe unogona kunge unoda ruzivo kubva kune waunoshandira pane imwe nguva panguva, uye inofanira kuva yakanaka. Tora nguva yekunyatsogadzirira kuenda kwako, kupa zvakajeka sezvaunogona, uye kupa kupa rubatsiro nechinje. Ongorora mazano aya ekuti ungasiya sei basa, saka iwe unogona kubva pane zvakanakisisa zvingaita.

Kusarura Mutsamba Mutsamba

02 Kupa Mavhiki maviri Cherechedza

Kupa vhiki mbiri chizivo ndechekuti, kunze kwekuti une kontrakiti inotaura kuti iwe unofanira kugara nguva refu. Kunze kwekunge kune maitiro akawandisa apo hazvibviri kugara, iva nechokwadi chekutendera bhosi yako kuti uzive uri kuenda nehuwandu hwekufanirwa kunyeverwa. Heano mazano ekucherechedza, uye mazano pamusoro pezvaunofanira kuita kana iwe zvachose haugone kugara kwenguva refu.

03 Ipai Chikonzero Chakanaka Chokusiya

Kunyange kana iwe usina kufarira basa rako, ino haisi nguva yekuzvitaura. Zvakakosha kusiya basa rako nemashoko akanaka, uye zvakakosha kuti chikonzero iwe kupa bhodha yako zvaanotaura iwe zvaunotaura apo uri kubvunzurudza. Heano zvimwe zvakanaka, uye kwete zvakanaka, zvikonzero zvekusiya basa.

04 Kutarisira Kwaungaita Kusagadziriswa

Pasinei nokuti iwe wakadzingwa here kana kuti ukadziviswa, kurasikirwa nebasa rako kunorwadza. Zvinorwadza, kunyanya kana zvisingatarisirwi. Hezvino izvo zvaunoda kuziva kana basa rako rakagumiswa, kusanganisira kodzero dzevashandi, kusashanda kwebasa, zvingati kutaura mubvunzurudzo dzebasa, uye mamwe mazano ekugadzirisa kubviswa.

05 Kuwana Paykuck Yako Yokupedzisira

Pasinei nokuti une basa idzva rakatsvaga kana iwe uchitanga kutsvaga basa, zvakakosha kuziva nezvekubhadhara kwako kwekupedzisira. Iwe uchawana rini rekubhadhara yako yekupedzisira kana iwe ukarega kana kubviswa kubva kubasa rako? Paunowana chikwereti chako chekupedzisira chinoenderana nemitemo yehurumende uye purogiramu yekambani. Heinoi scoop.

06 Kuunganidza Kusashaya Basa

Kana iwe ukarasikirwa nebasa rako iwe unogona kunge wakakodzerwa nehupfumi hwehupfumi hwehurumende. Mune mamwe mamiriro ezvinhu unogona kukwanisa kuunganidza kana iwe wakadzingwa. Pano pane ruzivo pamusoro pekushaiwa basa, kusanganisira kuti sei uye nguva yekuzarura kudai, sei kutumira kudai kwevhiki nega, uye kuti ungaona sei kubhadhara kwemabasa iwe uchawana.

07 Kubatsirwa Kwevashandi Paunobva Mubasa

Usati wabva basa rako, iwe unoda kuziva kuti mushandi anobatsirwe iwe unokodzera. Iwe une kodzero yekuwana zvimwe zvipo nemutemo. Washandi wako angasarudza kugovera mamwe mazano kunze kweavo vakagadzwa nehurumende kana mutemo wenyika. Kana iwe usingazivi kuti iwe unofanirwa kuitei, bvunza maneja wako kana dhipatimendi reHuman Resources. Vanofanira kukwanisa kukupa nemashoko asati apera zuva rekupedzisira rebasa.

08 Utano Inoshuwarenzi Zvokufunga

Iwe uchava nehutano inshuwarisi zvisarudzo zvokuita. Zvichienderana nehukuru hwekambani yako, unogona kukodzera kuramba uchienderera mberi pasi peCOBRA. Zvisinei, pasi peObamacare, hurumende yeHealth Insurance Marketplace, iwe uchakwanisa kutenga shoma iwe pachako kuti uone kuti matanho evanhu pachavo uye emhuri inofananidzwa neCOBRA uye sarudzo ipi inofanirwa iwe nemhuri yako.

09 Zvaungaita Newe Wako 401k

Iwe pachako uchange uine mazano mana ezvingaita newe 401k urongwa hwako paunobva mubasa rako: gara uri muurongwa hwekushandira, uri kutora mari kune chirongwa chemushandirwi, uendese mari kune iyo inotungamirirwa nemari yekubvisa mari (inozivikanwa se rollover IRA), kana kuti mari. Heino zvinhu zvokufunga nezvayo neimwe nzira.

10 Pension yako Paunobva Mubasa

Kana iwe ukafukidzwa neurongwa hunorondedzerwa hwehupfumi hwepenjeni, uchava nezvimwe zvingasarudzwa. Iwe unogona kusarudza kutora mari semari yemari ikozvino, kana kutora chivimbiso chekubhadhara nguva dzose munguva yemberi, inozivikanwa se annuity. Iwe unogona kutokwanisa kuwana kuwirirana kwezvose zviri zviviri. Heino zveruzivo pamusoro pemararamiro emapenjeni paunobva mubasa rako.

11 Kuwana Zviratidzo Zvakarehwa

Zvakakosha kuwana nhaurwa dzakanaka dzakasimbiswa usati wazvida. Bvunza mutungamiri wako, kana iwe uchibva pamashoko akanaka, pamusoro pokukupa nekutaura. Uyewo chengetedza neunenge uchangobva ku-kuva-wakava vashandi pamwe navo, vatengi nevamwe vanogona kutaura neunyanzvi hwako. Rongedza mberi uye tora zvinyorwa zvako zvakarongwa, usati wazvida. Ichachengetedza nguva yekutsvaga kuisa pamwe rondedzero urongwa apo anoshandira anokumbira imwe.

12 15 Zvinhu Zvokuita Usati Wasiya Basa Rako

Pane zvinhu zvaunoda kufunga nezvekuita kuti uone kushanduka kunofadza usati wabuda kunze kwemukova wehofisi kwenguva yekupedzisira. Dzokorora kaviri urongwa urwu kuti uone kuti wakawana zvinhu zvose zvakafukidzwa.

13 Nzira Yokutaura Nayo Zvakanaka uye Ramba Wakabatana

Mushure mokupa mubatsiri wako kuti aone kuti uri kumira, danho rinotevera ndokurega vashandi vako vakaziva kuti uri kufamba. Shandisa mashoko ako ehutano neavo vaunoda kuramba muchikurukura navo, uye shandisai LinkedIn kana iwe usati watove. Kunyange zvazvo zvingava zvakaoma kuramba tichikurukura nevaya vatakashanda navo, iri pfungwa yakanaka yekuita izvozvo nokuti vekare vashandi vanogona kupa hurukuro huru uye kupa kutumira mabasa.

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