Indlela yokuphucula iinjongo zomsebenzi kunye neNgxowa-mali yokuSebenza kweeMpahla
Unikwe umzuzwana, ndiqinisekile ukuba unokukhumbula okungenani isiganeko esisodwa ukususela ebuntwaneni bakho xa uvile into enxulumene nokulungiselela "usuku lwemvula."
Ndiyakhumbula ngokuqinisekileyo amaxesha anjengekhaya lethu ehlala esilungele ukuba amafu esiphepho angabetha ngaphandle kwesaziso aze avuse umyalelo wobomi. Imali yethu yemini yenkomo yanikezela ngokukhuseleka ngokukhawuleza kwiintlekele ezininzi ezinokuthi zihlasele imeko yethu yemali esele ixineke kakhulu.
Kwincinci esasiyishiye emva kokuba iindleko zihlawulwe, ubuncinane into ethile yangena kwingxowa yenyanga nganye.
Njengoko ndakhula ndaya kuqonda ukubaluleka kokufumana imali yenkomo yemvula kwaye ndinombulelo ku-ugogo ngokufaka isifundo kwimizuzu yam yokufunda. Ngokomsebenzi wam njengomcebisi wezemali, ndikhuthaza bonke abaxumi bam ukuba bagcine i- cash reserves ngokukhawuleza , i-ileyi engaphezulu yenkxaso yexesha lemvula.
INgxowa-mali yokuSebenza kweeMpahla
Xa kuziwa kwi- asethi yakho yempahla , kubalulekile ukugcina ingqolowa kungekhona nje kwimeko yongxamisekileyo kodwa nangenxa yokutshala imali ngokuqhubekayo. Ndibiza le ngqolowa yeNgxowa-mali yeCandelo leNtsebenzo yeMpahla kwaye ihluke kwiindawo zakho zokugcina imali. Le ngxowa-mali isungulwe ngenjongo yokuphuhlisa, ukugcina nokulungiswa kwempahla yakho yomsebenzi. Le ngxowa ibaluleke ngakumbi kubasebenzi bakho bexesha elide kunye nezigaba zokufunda.
Abacebisi abaninzi bezezimali bacebisa ukuba abathengi bagcine iimali zeengxowa-mali ngokukhawuleza ngokwemali yeenyanga ezintathu ukuya kweziyisithandathu zeendleko zokuphila ngokunyanisekileyo ezibandakanya ukuhlawulwa kwemali / irente, izibonelelo kunye nokutya. Nangona kunjalo, isixa-mali se-Career Asset Working Capital mali siyahlukahluka kuxhomekeke kwimingcipheko yezinto ezibandakanya uhambo lwakho lomsebenzi kunye nokunyanzeliswa komsebenzi wakho.
Umsebenzi weVelocity
Ukunyuka komsebenzi kubhekisela kwinani kunye nokuphindaphinda kweenguqu zomsebenzi. Ukuba unyanzelekile okanye uhlobo lomsebenzi wakho luchaza ukuba utshintshe imisebenzi yonke embalwa minyaka, unesiqinisekiso esiphezulu sexabiso lakho lomsebenzi. Ukutshintsha imisebenzi kudla ngokunyuka kweendleko ezinxulumene nophando lomsebenzi, ukuthungelwano, ukudala i-resume yakho kunye nezinye izinto zokuzikhusela, ukuqeqeshwa kwezemisebenzi okanye ukucebisa kunye nezinye iindleko. Ezi ndleko zingaba ziphakamileyo kakhulu ukuba imfuneko yenguqu yomsebenzi ivela kwisiganeko esingalindelekanga esinqanyanyisiweyo okanye ukunciphisa ukusebenza.
Umsebenzi wokunyanzelisa
Ukunyanzeliswa komsebenzi kukuguqulwa kwengeniso malunga nomjikelezo wobomi befa lakho lomsebenzi. Ngamanye amaxesha ukutshatyalaliswa kwemiphumo kubangelwa utshintsho lomsebenzi ovumela umvuzo ophantsi kunomsebenzi wangaphambili. Ngamanye amaxesha, yiphumo lokuguqulwa komsebenzi apho uthabatha indlela entsha yomsebenzi onokuthi ufumana umvuzo ophantsi kwithuba elithile njengoko ukwakha izakhono kwiphondo elitsha. Kungakhathaliseki isizathu, ukutshintshwa kwintsholongwane yakho kubandakanya umngcipheko onokuthi ubalwe kwiNgxowa-mali Yomsebenzi Wempahla Yomsebenzi.
Imali yeAsset Fund
Nangona ukugcinwa kwemali yengxamiseko kusetshenziselwa ukuhlawula iindleko zokuhlala, i-Career Asset Fund isetyenziselwa ukuxhasa isakhiwo okanye ukugcina izakhono zakho, ukuhlawula umsebenzi kunye neendleko zokuguquka kwemisebenzi, kunye nokubonelela ngexesha lokuhamba kwexesha lezeMpilo okanye kwiNyanga yoLondolozo lweNtsapho.
Akusiyo yonke iNgxowa-mali ye-Career Fund efunekayo ngemali. Eminye yayo ingaba yimizila yeebhanki, iiprogram ze-529 okanye i-akhawunti yokugcina imali yomhlala-phantsi njengamacebo angama-401k angasetyenziselwa ukutyalomali kwexesha elide okanye eliphakamileyo njengama-sabbaticals okanye ubuyele esikolweni.
Abaqeshi abaninzi banikela ngeenzuzo ezifana nokuhlawula iifundo kunye nokuhlawula ukuhamba ngokuhambelana nemisebenzi kwiinkomfa, iindibano zocweyo, njl njl. Amathuba angakunceda kuphela ukwakha ixabiso kwifa lakho lempahla, umqeshi wakho uncedo kwizakhono zakho nolwazi olwandisiweyo. Qaphela, nangona kunjalo, ukuba abaqeshi banamathuba amaninzi, kubandakanywa ixesha lokubuyisela ukubuyisela i-reimbursement ukuze kungenakunyuswa ukusebenzisa le ntlawulo ukuba injongo yakho ukushiya umqeshi wakho wangoku kwixesha lokubuyisela.
Ndiyayichaza njani Ininzi yokuTyala imali?
Ukufumanisa inani lotyalo-mali oyifunayo kwiNgxowa-mali Yakho Yemisebenzi, qwalasela oku kulandelayo.
- Ziziphi iindleko zonyaka zokugcina naziphi na iinkcukacha, ukutyunjwa kwezakhono, okanye iilayisensi kwimisebenzi yakho? Ngaba kukho nayiphi na into onokuyenza kodwa okwangoku akunjalo? Cinga ukuphucula i-asset yakho yempahla ngokutyalomali kule mimandla. Ukugcina ezi nkcukacha ngokuthatha umhlalaphantsi kunokuthi ube yinto ofuna ukuyifaka uhlahlo lwabiwo-mali.
- Ziziphi iimali zonyaka zemibutho yobugcisa onobuni kwaye ufuna ukugcina?
- Ziziphi iinkomfa, iindibano, iiworkshops okanye iisemina oziya kuzo kwaye ufuna ukuqhubeka nokuya? Ingaba kukho abanye ongekho kwixesha elidlulileyo kodwa ngaba kuya kubaluleka njengoko wakha okanye wakha kabusha ixabiso lakho lomsebenzi? Qinisekisa ukuba ubandakanyeke kwiindleko zenkqubo kunye nokuhamba, ukulala kunye neendleko zokutya.
- Ukuba ubuya esikolweni, ubuninzi obungayifunayo ukuze ufunde izifundo, iincwadi kunye nezinye iindleko? Qiniseka ukuba ucinga ukuba uhlaziya okanye uhlaziya izakhono ezikhoyo okanye ukuba uzimisele ukubuyela kwiindawo ezintsha zokusebenzela. Ngenxa yokuqikelela kwangaphambili, ezi ndleko zingaxhaswa ngemali ngecebo elifanelekileyo le-529 eliza neenzuzo zerhafu ngokunjalo.
- Ingakanani imali oya kuyidinga ukuyenza ngamanye amathuba okuqeshwa? Ngaba uya kufuna umqeqeshi wemisebenzi? Ngaba uza kusetyenziswa umlobi kwakhona? Kufuneka usebenzise ixesha elingakanani kwimicimbi yokunxibelelana?
Ukugcinwa kweNgxowa-mali yokuSebenza kweeMpahla kuza kuncedisa ukuqinisekisa ukuba unayo imithombo ekhoyo yokutyalomali kwimpahla yakho yempahla, uyifake ingqalelo kwimini yemvula, kwaye, ukuba kuyimfuneko, qhubeka uwusebenzisa ngomhlalaphantsi.
Eli nqaku liza kuthimba uMichael P. Haubrich, umbhali we- Career Asset Management: Ukufikelela phambili, ukuhlala phambili, kunye nokusebenzisa iNtloko yakho ekukhuliseni ixabiso leMisebenzi yakho.