Nzira Yokuziva Nayo Kuti Uri Kubhadhara Zvakakwana
Ndiwo mubvunzo unogona kubuda munguva dzekunyanya kunetseka kana kushanda zvakawandisa, pakunzwa nezvimwe zvezororo shamwari kana waunoshanda naye ari kutora, kana panguva yekubvutuka kuwana chikwangwani chiri pakati.
Icho chinogona kutopinda mumusoro wako nguva dzose panguva yebasa, sechinhu chawave uchireve kutarisa kana iwe ukangowana nguva chete.
Kunyange zvazvo mubvunzo wekuti iwe uri kuwana zvakakwana ndewe usina nguva, unowanzomuka kakawanda munguva dzehupfumi husina chokwadi. Maererano neExplored Early: US Budget Budget Inowedzera kubva kuSosaiti yeHuman Resource Management (SHRM), vashandi vanochenjerera nemari yebhadharo. Avhareji yekubhadhara kuwedzerwa inorongedzwa kuti irambe iri pa3% muAmerica muna 2018.
Saka unogona sei kuziva kana iwe uri kuwana zvakakosha iwe zvauri kukosha kana iwe hauri kuwana mari yakakwana? Funga nezvekutsvaga mazano ekutevera.
Funga Nevezera Rako Zvipo
Chiratidzo chokutanga chausina kuwana zvakakwana chinogona kubva kune vezera rako kushanda. Kana iwe wakanga uri mubasa rimwechete kwenguva yakareba, kutanga mibairo inogona kunge yakasimuka, kuwedzera kwegore rako rose rinomuka. Iyo inozivikanwa sekubhadhara mubhadharo, uye inoreva kuti mumwe munhu anowanidza team yako nhasi angave achiita zvakafanana kana kupfuura kupfuura iwe.
Zvinotoshamisa ndezvokuti, vanhu vanowedzera kubva kubasa kuenda kumabasa havasi pangozi yekubhadhara kudzvinyirira pane avo vakavimbika zvikuru uye vakazvitsaurira kune imwe kambani.
Kuti usimbise kana mubhadharo wako uchiri maererano nekambani yako, basa, uye ruzivo, ita mamwe tsvakurudzo. Tarisa pane mazita ekunyorwa kwebhuku rekambani yako kuitira zvinyorwa kune izvo mumwe munhu akaripira nhasi anga ari kuita, kana kutarisa mabhizimisi emabasa kuti aone huwandu hwezvikwereti zvitsva mumhizha rako.
Nzvimbo dzekuenzanisira dzevashandi seSarary.com uye Payscale.com dzinogona kukupa manzwiro emitambo yezita rako rebasa uye / kana basa rekuita. Glassdoor.com inogona kukuratidzirai mihomwe yezvidzidzo zvebasa pane imwe kambani yepamusoro kana vezveshamwari vezera rako. Kana iwe uri mutungamiri mukuru weboka rako asi uchiwana pamucheto wezasi wezera racho, unogona kushandisa nhamba idzi kuti uwedzere nyaya yako yekusimudza.
Funga Zvaunofunga
Imwe nzira yekuziva kana iwe uri kuwana zvaunofanirwa ndeyekuti uone zvaungadai uchibhadhara kana iwe uchirova iwe pachako. Kana iwe uchikwanisa kubhadhara maawa ega ega nebasa raunoita, icho chiyero icho chaizove chei?
Kuti ave nechokwadi, freelancers uye vadzidzisi vanowanzobhadhara zvakanyanya basa ravo nokuti ivo vane mhosva yepamusoro yavo pachavo inodhura. Asi kana iwe ukawana $ 25 paawa yebasa iro kambani yako inotengesa vashandi vayo $ 150 neawa, unogona kunge uine nharo yekusimudza.
Kana zvikwereti zvako zvichiita zvichienderana nehora rako remaawa, funga kuwedzera unyanzvi hwako nekutungamira kurairidzirwa, sangano reIndaneti kana dzidzo yevanhu vakuru. Nokuwedzera mikana mitsva yako zvakare, iwe uchakwanisa kusimbisa nyaya yako kune mubhadharo wemahombe.
Funga Nekambani Yako
Vashandi vakapona mukuputsika kwa2008 vanoziva kuti mibairo inowedzera panguva dzisina chokwadi dzehupfumi.
(Iko ndiyo nguva iyo kungoshandisa basa kunoita kuti unzwe kuti uri kuwana zvakakwana.) Kana makambani ari kushamwaridzana, zvakadaro, mari inowanzosimbiswa nokukurumidza sematengo ematengo.
Kana iwe uine pfungwa yokuti kambani yako iri kuita zvakanaka chaizvo asi mubhadharo wako unoramba uine hupfumi huri mune hupfumi, inguva yekutsvakurudza zvishoma. Makambani ehuruzhinji anofanira kuzarura mari yegore negore, uye inofanira kuva nyore kuwana tsananguro yekuti bhizinesi ririkufambira sei.
Kana iwe ukashanda kune kambani yega, iwe unogona kutarisa kune zvigadzirwa zvemukati nemitambo. Ko boka rako rakawedzera kutengesa kana mari, kuderedzwa mari kana kugadzirirwa zvikwereti mugore rapfuura kana maviri? Izvo zvose izvi zvinokwana izvo zvinogona kukodzera kukwidzwa mubhadharo.
Funga Basa Rako
Kunyange zvazvo pasina chinhu chakadai sehombe huru yenhamba, kune zvimwe zvikwereti zvekambani zvingave zvakakosha kana kupfuura zvinopfuura kuwedzera kwebhadharo.
Funga zvinhu zvakadai sezororo nguva, kubhadharwa kuberekwa uye kuberekwa, uye zororo rinorwara paunosarudza kana uri kuwana zvakakwana.
Basa rekushanda zvakajeka nguva, telecommunication, utano hwehutano, pensions kana kupa rupo 401 (k) kuenzanisa mapurogiramu kunofanirwa kushandiswa zvakare.
Kana iwe uchingovenga basa rako, saka hapana huwandu hwemari huchakwanika kuti iwe uude. Kune rumwe ruoko, kana iwe uchida, iwe uri mupfumi chaizvoizvo.
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