Ewe, Ukuya Kusebenza Iindleko Imali. Fumana iNgakanani.
Ude wabala inani lakho leyure. Ukwenza i-$ 18 okanye i-$ 25 okanye i-$ 36 okanye i-$ 52 ngeyure.
Kodwa awukwenziwanga okwamanje. Ngoku kufuneka ufumane iindleko zakho.
"Kodwa umsebenzi wam undibuyisela ngeendleko xa ndihamba emsebenzini."
Hayi, oko akuthethi ukuba ndithetha ntoni. Ndibhekiselele kwiindleko zakho ezingabuyiselwa.
Iindleko zokusebenza. Iindleko zokugcina umsebenzi wakho.
Ukuze sibone iindleko zokusebenza, makhe sibone umzekelo wokucinga.
Iindleko zokuSebenza kuMzekelo 1
U-Allison ufuna ukugqoka iimpahla ezintle zokusebenza - kungekhona izikhwama ezilungeleleneyo, ngokuqinisekileyo, kodwa iingubo "zoshishino" njengeengubo zesilika, iipensile zeepensile kunye nezithende. Wayengaqhelekanga ukuthenga le mpahla xa engenalo msebenzi.
Uthenga into emitsha kwisigqoko sakhe somsebenzi kanye ngenyanga, ngexabiso elimalunga nama-$ 100. Uchitha i-$ 1,200 ngempahla emisebenzini. Ukwachitha iiyure ezingama-3 ngenyanga, okanye iiyure ezingama-36 ngonyaka, uthengela iimpahla zomsebenzi.
U-Allison uphinde uxhaxha izandla kunye nabaxumi, ngoko ke izikhonkwane zakhe kufuneka zibukeke zibuchwepheshe. Ufumana ubuncwane kabini ngenyanga, ngeendleko ze-$ 25 ngomntu. Kwakungekho ngokuqhelekileyo ukwenza oku ukuba wayengasebenzi. Uchitha ama-dollar angama-600 ngonyaka, kwaye kuthatha enye iiyure ezingama-3 ngenyanga okanye enye iiyure ezingama-36 ngonyaka.
Kananjalo uqhuba imizuzu engama-25 ukusebenza kunye nemizuzu engama-25, achitha iiyure ezingama-4.16 ngeveki ehamba.
Yiyo iiyure ezingama-208 ngonyaka, kuthatha iholide ezimbini zeveki. Uchitha i-$ 25 ngeveki, okanye i-$ 1,250 ngonyaka, kwi-fuel ehambelana ngqo neendleko zokuhamba kwakhe.
Ukugqoka kunye nokulila kwimoto yakhe kumbiza i-$ 400 eyongezelelweyo ngonyaka.
U-Allison uthengela ukutya okulula kakhulu kuba usebenza. Uchitha i -20 eyongezelelweyo ngeeveki kwizinto zokutya , xa kuthelekiswa nesixa ayeza kuchitha xa engasebenzi kwaye unethuba lokupheka.
Lenye enye i-$ 1,000 ngonyaka.
Ukhawuleza kusasa. Ngokuqhelekileyo uzama ukuphuza ikhofi ekhaya, kodwa kanye ngeveki uhamba ngokukhawuleza aze athenge i-coffee 3 $. Enye i-150 $ ngonyaka.
Abantwana bakhe babini basesigabeni sesithathu nesine. Baya kwiiprogram zokulandela isikolo ukususela ngo-3 ntambama, xa isikolo sikhupha, kude kube ngu-6 ntambama, xa u-Allison ebuyela ekhaya evela emsebenzini. Iintsapho zizonwabela iiprogram ze-emva kwesikolweni, kwaye ziyafuna ukuthatha inxaxheba kwiiprogram kungakhathaliseki ukuba u-Allison okanye u-Allison asebenzayo, ukuze loo ndleko ingathathi hlangothi. Kuhlala kunjalo.
Kodwa ebudeni, xa isikolo siphuma, i-Allison idinga ukubeka ezi zimbini kwiinkampu zentsuku zasehlotyeni. Oku kubiza i-$ 1,500 ngemali nganye ehlobo , okanye i-$ 3,000 iyonke.
Ewonke, u-Allison uchitha i-$ 7,600 ngonyaka ngeendleko zokusebenza. Ukwachitha iiyure ezongezelelweyo ezingama-280 ukuhamba kunye nokuthenga iimpahla zoshishino.
Yithini Ireyithi Yehora?
Ufumana i-55,000 zamawaka ngonyaka kunye nomdlalo we-retraite we-3 wemali, ebiza i-$ 1,500. Inkonzo yomshuwalense wenkxaso-mali yakhe enkxaso-mali, ukuba uthenge yona kwimarike evulekileyo, yayiza kuhlawula i-$ 250 ngenyanga, okanye i-$ 3,000 ngonyaka, ngoko "imbuyekezo yakhe" i $ 55,000 + $ 1,650 + $ 3,000, okanye i-$ 59,650.
Uchitha i-$ 7,600 kwiindleko zokusebenza, ngoko ukuhlawula "inetha" ku-$ 52,050.
Usebenza iiyure ezingama-40 ngeveki, iiveki ezingama-50 ngonyaka, kunye kunye nokuchitha iiyure ezongezelelweyo ezingama-280 ngonyaka kunye nokuthenga iimpahla zoshishino, ngama-2,280 iiyure ngonyaka.
Oku kuthetha ukuba "ireyithi yehora yehora" yi-$ 52,050 / 2,280 = $ 22.82 ngeyure.
Masizame omnye umzekelo.
Iindleko zokuSebenza kuMzekelo 2
UBob udinga ukugqoka izicathulo, amabhande kunye nezicathulo eziqhambileyo zokusebenza. Ixabiso ngalinye libiza i $ 300. Unayo malunga neempahla ezine, kwaye ubeka enye indawo ngonyaka njengoko egugile okanye egule.
Ubuye uthenge malunga neengubo ezambatho zantandathu, amabhande amabini, iisokisi ezininzi, isibini kunye nezibophelelo ezintsha ezimbini ngonyaka, ukwenzela ukuba kube ngaphezu kwamawaka angama-400. Oko kuthetha ukuba uchitha i-$ 700 ngonyaka kwiimpahla zeshishini. Uchitha iiyure ezili-10 ngonyaka ukuthenga iimpahla zoshishino.
Kwakhona kufuneka ukuba afumane iinqwelo zakhe ezomileyo. Oku kubiza i-$ 40 enye ngenyanga, okanye i-$ 480 ngonyaka.
Uchitha imizuzu engama-30 ngenyanga (iiyure ezingama-6 ngonyaka) wehla kwaye aqoke ucoceko olomileyo.
Kulindeleke ukuba abonise imoto ejongene kakuhle xa eqhuba ukudibana nabathengi, ngoko uhlamba imoto yakhe ngeveki. Ukuba ayengasebenzi, ngokuqhelekileyo akaze enze njalo. Iindleko zeevenki zokuhlamba iiveki ezingama-5, nge-$ 250 ngonyaka.
Ngezinye izihlandlo uBob ubamba isidlo sasemini ngokukhawuleza ngokutya xa ebalekele ukuzisa ukudla kwasemini. Ukwenza oku kabini ngeveki, kwi-$ 7 ngesidlo sasemini, ukufumana i-$ 700 ngonyaka.
Unemizuzu engama-45 yokuhamba kwinqanaba ngalinye. Ngokuthatha iholide ezimbini zeveki, uchitha ii-375 iiyure ngonyaka ukuhamba. Kananjalo uchitha i-800 zama-car kwi-vehicle wear-and-tear and $ 2,500 kwi-petroli ngonyaka xa ehamba ngeendleko.
Ingqikithi, iindleko zikaBob zokusebenza zi-$ 5,430 ngonyaka.
Yenza umlinganiselo ofanayo kunye no-Allison-$ 55,000 ngonyaka kunye nomyinge we-3 wempesheni yomhlala-phantsi kunye ne-inshurensi yempilo yenkampani eya kuhlawulisa imali engama-$ 250 ngenyanga xa uthenge yona njengesicwangciso ngasinye. Leyo yiphakheji yokuhlawula i-$ 59,650.
Inkokhelo yakhe "inetha," ke ke i $ 54,220. Uchitha ii-391 iiyure ngonyaka xa ehamba, eshiya ukucoceka okumeleyo nokuthenga iimpahla zoshishino.
Kucinga ukuba usebenza ngeveki ezingama-40, ireyithi yakhe yehora i-$ 22.67. Ukuba usebenzisa iiveki ezingama-45, ireyithi yakhe yehora ngu-20.53. Yaye ukuba usebenza iiyure ezingama-50 ngeveki, isantya sakhe si $ 18.75 ngeyure.
Ngaphantsi
Njalo ubale iindleko zakho zokusebenza. Sebenzisa oku njengomqolo wesabelomali sakho.
Ewe, unako ukujonga iindlela zokunciphisa iindleko zakho zokusebenza. Unokufungela ukuqhuba isidlo sasemini usebenze imihla ngemihla. Ungayeka ukuthenga ikhofi. Unokujonga iimpahla zoshishino eziphantsi.
Kodwa ezinye iindleko, njengeendleko zokuhamba kunye nokunakekelwa kwabantwana, aziyi kuphelisa. Unokukhetha ukukrazula ezi ndleko kwi "yakho ngeniso" xa udala uhlahlo lwabiwo-mali.