Maitiro Ekubheja Yako HR Kubatsirwa SaBoss

Zvemukati

• 1. Tenzi Wako 401k
• 2. Flex Your FSA Muscles
• 3. Dzorera Mari Kuti Uve Utano
• 4. Chip Kure Kure Zvikwereti zveVadzidzi
• Ongororo ye

Saka wakaroverera kubvunzurudzwa, wakawana basa, uye wakagara mudhesiki rako idzva. Uri pamutemo munzira kuenda ku #vakuru kunge a chaiye munhu. Asi basa rakabudirira rinopfuura kungovhara kubva pa9-kusvika-5 uye nekubhadhara muhoro wako vhiki imwe neimwe; chaiwo-epasirese mabasa anouya nemamwe mabhenefiti ekuti-kana iwe ukatora mukana-anogona kukusevera imwe yakakomba mari. (Zvakawanda: 16 Mari Inotonga Mukadzi Wese Anofanira Kuziva Nezera 30)

“Vanhu vazhinji vanosiya mari patafura nekuti havanyore kuti vabatsirwe,” anodaro Kimberly Palmer, munyori webhuku. Chizvarwa Kuwana: Iyo Yechidiki Professional Gwaro reKushandisa, Kuisa Mari, uye Kupa Kudzoka. "Zvimwe ivo havazvizive kana ivo vanongove kunetseka kusaina, asi iwe unogona kuzvichengetera tani yemari nekuita shuwa kuti unonyoresa kune izvo zviripo."

Nepo vamwe vanhu vachiwana mabhenefiti akazara ekutarisa anovhara ese aripo sarudzo, Palmer anoti dzimwe nguva iwe unofanirwa kusvika kune yako HR rep kuti uwane iyo yakazara menyu yezvinhu. Unoda kuziva chii chekutarisa? Isu takatyora iwo mana akanyanya kukosha mhando mabhenefiti iwe aunogona kubata kubva pabasa rako. Kuziva ese aya acronyms uye manhamba zvichave zvakakosha-tinovimbisa.

1. Tenzi Wako 401k

Ichi ndechimwe chezvinhu zvevakuru vakuru-zvinhu iwe funga haufanire kunetseka nezve- kusvikira munhu wese awana imwe kunze kwako. Chaizvoizvo, 401k chirongwa chekurega basa chinotsigirwa nemushandirwi wako. Iwe unosarudza imwe yemari mari kuti ibviswe muhomwe yako mwedzi wega, uye zvinobva zvaenda muaccount account.

Unofanira kubvisa marii? Palmer inokurudzira 10-15 muzana yemubhadharo wako, kana uchikwanisa kuisimudzira. Kana iwe ukatanga kuita izvozvo mumakore ako makumi maviri, Palmer anoti iwe uchachengetedza zviri nyore zvakakwana zvekurega kwako mukati mehupenyu hwako. "Kana izvo zvisingaite uye bhajeti rako rakanyanya kuomarara, unofanira kungovavarira kuchengetedza huwandu hwakawanda kuti uenzane," anodaro Palmer.

Hack: Kubva muna 2015, 73 muzana yevashandirwi yakamhanya neimwe chirongwa che401k inoenderana, maererano neSosaiti yeHuman Resource Management (SHRM). Izvi zvinoreva kuti chero chaunosarudza kuti chiende mune yako mari yekurega basa, kambani yako inozvifananidza nekupa kune yako mari pane yavo dime. Zvinoshamisa, handizvo? Asi usati wafunga "mari yemahara!" uye isa parutivi 75 muzana yemubhadharo wako mukuedza kurova iyo system, ziva izvi: kazhinji kazhinji panowirirana nekambani inoenderana. Chiyero chemakambani mazhinji ndechekufananidza hafu yematanhatu ekutanga muzana, Palmer anodaro, zvichireva kuti, vanozoenderana hafu mupiro wako, nemupiro wakakura wematatu muzana.

Iwo Math: Ngatiti iwe unogadzira madhora zviuru makumi mashanu pagore (inova yepakati yekutanga muhoro yemakumi mashanu egore aine 2015 degree, maererano neNational Association of Colleges and Employers). Kana iwe waizopa 10 muzana yemuhoro wako usati watanga mutero ku401k yako, uri kuchengetedza $5,000 pagore. Kana kambani yako ichienzanisa hafu yematanhatu ekutanga muzana, vari kuwedzera imwe $ 1,500 pasina iwe unofanirwa kuita chero chinhu. Akanaka batira, handiti?

Haisi yakakura pane nhamba? Iwe unogona zvakare kuwana anobatsira macalculator pamhepo, kubva kumasevhisi akaita seFidelity, ayo anokuratidza kuti uri kuchengetedza zvakadii uye kuti marii yaunoshandira iri kupa mukati menguva yehupenyu hwako hwese (zvinoenderana nemari yemubhadharo, muzana wemipiro, kukwidziridzwa kwegore rega, zera rekurega , nezvimwewo).

2. Flex Your FSA Muscles

FSA chidimbu chakareruka: flexible spending account. Asi kana ichinge yakasanganiswa neboka rehumwe hutano uye mabhenefiti ehurukuro, zvinogona kuve nyore kusazvitarisa seimwe yeiyo "yezvinhu zvinovhiringidza vabereki vangu zvandinoda ini." Asi ivo vanogona kukuchengetedza imwe yakakomba mukanyiwa kana iwe ukaisa mugumbo basa uye ugare wakarongeka.

The jist: FSAs maakaundi ekuchengetedza aunogona kushandisa kubhadhara kune chaiyo zvinhu, kubva kumitengo yekurapa kuenda kune yekufambisa uye kupaka kuenda kune yekuchengeta vana. Kufanana neako 401k, yakatarwa mari yaunosarudza mwedzi wega wega ichatorwa kubva mubhadharo rako pre-mutero woiswa muakaunzi yakakosha.

The Hack: Kunyangwe iwe usina kunyoreswa muurongwa hweinishuwarenzi yehutano hwevashandirwi, unogona kutora mukana wehutano hweFSA kubhadhara mari senge lenzi rekuonana kana kuongororwa hutano. FSA yekufambisa inonyanya kubatsira-kana iwe uchiziva kuti iwe unopedza imwe mari pakupaka kana kadhi yepasi pevhu mwedzi wega wega, iwe wakabvisa pre-mutero zvakare.

Math: Iwe unogona kunge uchifunga, "pre-tax, saka chii?" asi kubhadharira izvi zvinotenderwa mari kubva paunobhadhara zvinogona kukuchengetedza mari yakawanda nekufamba kwenguva iyo yaizoenda kumitero. Semuenzaniso, ngatiti iwe unoshandisa $ 100 muzvitima zvepasi pevhu mwedzi wega wega kuenda kubasa. Uye ngatiti iwe unogara kuNew York uye une $ 50,000 muhoro. Inenge makumi maviri neshanu muzana yemari yako inoenda kumitero. Kana iwe uine iyo $ 100 yepasi pevhu mari inobviswa pamubhadharo wako wekutanga-mutero mwedzi wega, iwe uchachengetedza madhora makumi maviri nemashanu pamwedzi. Uye, hei, izvo zvinowedzera kune chimwe chinhu senge shanu dzinowedzera fashoni Starbucks lattes pamwedzi, kana imwezve $ 1,500 mubhangi mushure memakore mashanu.

Palmer inocherekedza kuti iwe unofanirwa kuve wakanaka nemari iyoyo kubva pamubhadharo wako neimwe nzira isingabatike (verenga: haugone kuishandisa pazvinhu zvimwe pane izvo akaunzi yakatsanangurwa). Asi kana iwe uchigona kugara wakarongeka nemarisiti ako uye mapepa, maFSA anogona kudaro saka zvakakodzera nguva yako.

3. Dzorera Mari Kuti Uve Utano

Kune zvimwe zvakatowanda zvekukosha kwehutano kupfuura izvo zvekuti iwe unogona ikozvino kutenga mbatya dzekurovedza muviri muzvitoro zvese; vashandirwi vazhinji zvino vanopa kuwanda kwehutano hwakanaka kana basa/hupenyu mabhenefiti ayo avasina kupa apo, toti, iwe uri vabereki vaive vadiki. Izvi zvinosanganisira zvinhu zvakaita seyemahara yehutano kuongororwa uye kusimba zvinopihwa kubasa (semu-muhofisi gym kana makirasi ekusimbisa muviri), mahara pasaiti zano rekudya kana kudzidziswa kwemunhu, uye nekupa zano kwehutano hwepfungwa kwakaderedzwa, anodaro Palmer. Iwe unogona zvakare kutora zvidzikiso kana kudzoreredzwa kune ako ejimu nhengo uye maturu ekurarama maturusi seFitbits kana vamwe vateveri zvakare. Mazhinji makambani anoenderana kusvika kune imwe dhora huwandu pamwedzi, gore, kana chigadzirwa, Palmer anodaro.

Kubiridzira: Kana iwe uchinge watobhadharira nhengo yekurovedza muviri mwedzi wega wega, kuwana mari kubva kukambani yako nekuti zvinogona kuve nyore sekutumira danda rekushanya kwako kujimu. Kufira Fitbit nyowani? Panzvimbo pekutsvaira Internet kuti uwane modhi yakadzikiswa kana kuchera makodhi ekuponi, unogona kukwanisa kuendesa risiti rako uye kuwana mari kudzoka kukambani yako. (Psst ... Heino Iyo Yakanyanya Fitness Tracker yehunhu Hwako.)

Iwo Math: Kambani yega yega inobata hutano hunobatsira zvakasiyana, anodaro Palmer. Asi vazhinji vane purogiramu yakanaka yekudzorera kana zvasvika kune nhengo dzegym; kana kambani yako ichipa chivharo chemadhora mazana mashanu mukudzoreredza kirabhu yekusimba pagore, zvinoreva kuti chero nhengo iri pasi pemadhora makumi mana pamwedzi inenge yakasununguka. Kana iwe #treatyoself kune imwe fancier gym, iwe unogona kuramba uchifunga nezvayo semutero wakakura.

4. Chip Kure Kure Zvikwereti zveVadzidzi

Kana iwe uchinge wapedza chero nguva mumakumi mashoma apfuura, iwe unoziva iro dambudziko rechikwereti revadzidzi iguru. Muna 2014, vangangosvika makumi manomwe muzana yevakuru vekukoreji vakapedza chikoro vaive neimwe rudzi rwechikwereti chemudzidzi, sekureva kweInstitute for College Access uye Success. Avhareji yemari yechikwereti: $28,950 pamudzidzi. Paunenge uchitarisa pavhareji yekutanga muhoro yemadhora zviuru makumi mashanu, maonero haana kunaka.

Asi pane dzimwe nhau dzakanaka: makambani mazhinji uye akawanda ari kupa rubatsiro rwemari yevadzidzi kuvashandi vavo nenzira yakafanana ne401k inoenderana. Kubva muna 2015, zvikamu zvitatu chete kubva muzana zvevashandirwi zvakapa bhenefiti iyi, sekureva kweSosaiti yeHuman Resource Management, asi iri kuramba ichizivikanwa, anodaro Palmer.

The Hack: Ramba uchibhadhara chikwereti chako chemudzidzi mwedzi wega wega (sezvaunofanirwa kunge uchiita), uye endesa mapepa chaiwo kune waunoshandira. Ivo vanogona kana kubatsira nekubhadhara iyo chikwereti kambani zvakananga kana kukunyorera cheki yekukubhadhara iwe, anodaro Palmer. Kiyi yakakurisa: chengeta iwo ese mapepa uye zvinyorwa.

Math: Izvi zvinoenderana nemutemo wekambani yako uye muganho wedhora wemudzidzi wekubhadhara chikwereti. Asi ngatitii vanowirirana nehukuru hwemadhora mazana maviri pamwedzi, anodaro Palmer-izvo zvichiri kukuchengetedza $ 2,400 pagore. Yakakodzera yega yega mapepa, handiti?

Chinhu chikuru chekucherechedza nezvese mabhenefiti aya ndechekuti iwo akasiyana pakambani yese. Pinda: yako itsva HR BFF. Muudze nezvemibvunzo yako yese yemabhenefiti. Kana iwe unokwanisa chengetedza mari nekuisa imwe shoma yekuwedzera, nei usingadaro? (Chimbofunga kuti mabhururu mangani achatenga, imi varume!) Kukura hakusi saka zvakaipa afterall.

Ongororo ye