Uyibala kanjani impesheni yakho uma uzisebenza

impesheni ezimele

Ngemuva kwe ukuguqulwa kwempesheni, Usengawuthola umhlalaphansi ongcono wabantu abazisebenzelayo, kepha-ke, ekubeni kuyinto entsha namanje, abantu abaningi abazi ukuthi bangazi kanjani ukuthi impesheni ehambelana kanjani nomuntu ngamunye uma uzisebenza.

Kwenzekani lapho umuntu ozisebenzayo efika eminyakeni yokuthatha umhlalaphansi

Lapho umuntu ozisebenzayo efika eminyakeni yobudala yokuthatha umhlalaphansi, imvamisa bathola impesheni, noma kunjalo impesheni ingaphansi kancane ukwedlula leyo yabantu abebesebenza kumbuso wezenhlalo.

Le mpesheni ingama-euro angama-465 ngenyanga. Isizathu esikhulu salokhu kungenxa yokuthi Iningi labantu abazisebenzayo banikela ngaphansi kwesisekelo esincane ukuze ukhokhe okuncane ngangokunokwenzeka ngesikhathi sokufakwa kuhlu impilo yakho yonke. Lokhu kuyinto elula, imali encane oyikhokhayo ngenkathi unikela, inani elincane lemali ozolithola uma kuziwa ekuqoqeni impesheni.

Kuyalulekwa yini ukucaphuna okuncane?

Lo ngumbuzo abaningi abanayo abantu abasebenza njengama-freelancers. Kuyiqiniso ukuthi uma ucaphuna phansi ngangokunokwenzeka, empilweni yakho yonke kuzodingeka ukhokhe inani eliphansi kakhulu, ngaleyo ndlela ugweme ukushiya cishe wonke umholo wakho izinkokhelo zokuphepha komphakathi. Kuyinkemba esika nhlangothi zombili nokho, njengoba nje ufika kufayela le- isikhathi sokuqoqa impesheni, unempesheni ephansi izikhathi eziningi engakuniki ngayo ukuze uphile.

Okubalulekile ukuhweba okuphezulu okungenani iminyaka eyi-15 kuye kwengama-25 ngaphambi kokuthatha umhlalaphansi ukuze kuthi lapho kufika isikhathi qoqa impesheni singaba nenani elifanele elisivumela ukuba siphile ngokunethezeka.

Lunjani uhlelo lomhlalaphansi namuhla

Kusukela ngoJanuwari 1, 2013 lapho kwenziwa khona izinguquko zokugcina.

impesheni ezimele

Imibandela yalolu hlelo olusha lokuthatha umhlalaphansi kwabazisebenzelayo incike kula maphuzu alandelayo.

• Iminyaka yobudala yomhlalaphansi yabantu abazisebenzayo kumele ibekwe eminyakeni engama-65 nenyanga eyodwa. Kukholakala ukuthi ngo-2017 iminyaka iyoba ngu-67.
• Uma kwenzeka umuntu ozisebenzelayo efuna ukuthatha umhlalaphansi ngaphambi kwesikhathi ngokuzithandela, kungacelwa eneminyaka engama-63 ubudala, kepha kufanele okungenani babe neminyaka engama-35 yeminikelo.
• Ukuthola impesheni encane, kufanele ube neminikelo okungenani engu-15
• Inani elitholwa yilowo nalowo msebenzi ozisebenzelayo lizosuselwa eminyakeni yeminikelo kanye nenani lemali umuntu ngamunye akhokhelwe.

Ingabalwa kanjani impesheni

Ngemuva kwezinguquko, uhlelo olusha lokubala impesheni lususelwa emithethweni ejwayelekile ejwayelekile ethinta abanye abasebenzi.

  • Lezi yizinto okufanele zicatshangelwe ukuzenza
  • Ungakhetha umsebenzi ogcwele ngokuvikeleka komphakathi. Itholakala lapho iminyaka engama-38 nezinyanga eziyisithupha inikelwe ekuvikelekeni komphakathi.
  • Kufanele wazi isikhathi esiphansi sesilinganiso
  • Inani eliphansi leminyaka ozonikela ngalo yiminyaka eyi-15 futhi ungathola impesheni ephelele yabantu abazisebenzayo kusukela eminyakeni engama-35.

Iyini imali yempesheni

Ukwazi i- isamba semali esizoyiqoqa, kuya ngenani elikhokhelwe inyanga nenyanga ngenani leminyaka ekhokhelwe.
Isikali esicatshangelwe ukwenza lokhu kubalwa sifike ku- Ama-50% uma kuphela iminyaka engu-15 efakwe ohlwini futhi kuze kube 0% kubantu abanikele ngaphezu kweminyaka engama-36.

Ngabe umnikelo wesisebenzi esizimele uyakhula ngokuhamba kweminyaka?

izimpesheni

Abaningi abazisebenzelayo, ukuze bandise umholo wabo uma sebethathe umhlalaphansi ukwandisa inani lezinkokhelo zempesheni ngemuva kweminyaka engama-48. Lokhu kuzosho ukuthi eminyakeni engu-5 nje kuphela, impesheni ezokwamukelwa isuka ku-445.91 euros iye ku-501.44.

Ukuyithola impesheni enkulu ekuvikelekeni komphakathiNgemuva kweminyaka engama-42, isisebenzi ngasinye kufanele sikhokhe inani lama-euro angama-500 kuye kwangama-600 ngenyanga futhi sibe neminikelo yeminyaka engama-30 noma ngaphezulu ngaphandle kokuphazamiseka.

Ungaba ne- ukuba nebhizinisi nokuqoqa impesheni

Enye inzuzo yezinguquko ukuthi impesheni yezenhlalakahle yabantu abaziqashile iyahambisana ngokuphelele nethuba lokuba nobunikazi bebhizinisi.

Yenza isibalo sakho sempesheni lapho usuthathe umhlalaphansi

Ukwazi ukuthi yini i- indlela engcono yokubala impesheni, ukuphepha kwezenhlalo kunohlelo oluku-inthanethi olukuvumela ukuthi wazi ukuthi impesheni yakho ezoba njani. Kulokhu, okudingayo ukufaka yonke idatha eyicelayo, njengezikhathi zokubhaliswa nezokuphepha komphakathi kanye nezisekelo zokunikela obukade unazo eminyakeni eyedlule.

Ungaluthola kanjani lolu lwazi

Uma kwenzeka ungenayo le datha, ungacela le datha ngocingo kwezokuphepha komphakathi noma uyihlole naku-inthanethi.

Thuthukisa ukuguga okusebenzayo

izimpesheni ezizimele

Ukuze usize abantu ngemuva kokuthatha kwabo umhlalaphansi, esinye isinyathelo esivunyelwe kusukela ngo-2013 ukuthi abantu abathola impesheni bangakwazi yenza impesheni ihambisane nomsebenzi lapho bakhokhisa khona okungenani ama-50% omhlalaphansi. Ngalokhu, umuntu kufanele abhalise njengomuntu ohola impesheni.

Ngubani olawula amanani namanani

Ezokuphepha kwezenhlalo yizo eziphethe ukusungula minyaka yonke okuyimikhawulo ephansi futhi ephezulu kakhulu yempesheni eshiwoyo. Ubuncane okwamanje busethwe kuma-euro angama-484 kanye nobukhulu kuma-euro ayizi-3.600; kodwa-ke ukucaphuna ngakunye kwehlukile futhi kunemikhawulo eminingi engadala ukuthi inani libe ngaphansi noma ngaphezulu.

Ukubalwa kokugcina

Into yokuqala okufanele siyazi ukuthi umholo esiwutholile phakathi neminyaka edlule yomnikelo. Njengoba yonke impesheni ephelele izobalwa kuleyo datha. Phakathi neminyaka engu-15 edlule yomsebenzi ocashuniwe, isilinganiso semholo sithathwa ukuze kutholakale inani. Leli nani ngeke lifake izinkokhelo ezengeziwe futhi ngeke likhona uhlobo lokukhokha olungaphandle komholo. Lezi zibalo zizobuyekezwa ngokuya nge-CPI.

Njalo ngonyaka kuze kube ngu-2027, isisekelo sokulawula sizokhula ngakho-ke kufanele sibuyekezwe minyaka yonke.

Ukubalwa yilokhu:

impesheni yokuzisebenza nomsebenzi

Inani lezisekelo zeminikelo isisebenzi esibe nalo ezinyangeni eziyi-210 ezedlule lihlukaniswe ngama-180. Lokhu kufanekisela iminyaka engu-15 edlule efakwe kuhlu ezinyangeni ezingama-24 ezedlule zenani leholo lakho ngama-euro.

Uma isinikeze umphumela, kuzodingeka kusetshenziswe eminye imininingwane ezokwehlisa leli nani. Isibonelo, kubantu abathatha umhlalaphansi bengakayihlanganisi iminyaka engama-65 noma abantu abangazange banikele yonke iminyaka abezokuphepha abacela ukuthi babe nayo yonke imali yempesheni.

Uma ucabanga ukuthi inani eliphansi leminyaka yiminyaka eyi-15 futhi lifakwe ku-50%. Eminyakeni engama-20 esebenza kuzoba ngama-65%, kuthi eminyakeni engu-25 kusetshenzwe kube ngama-80% eminyakeni engama-30 kusetshenzwe kube ngama-90% kuthi ku-35 kuye phambili kube ngu-100%.

Isibonelo salokhu ngese umuntu osebenze iminyaka engama-30 (okusohlwini) nomholo wama-euro ayi-1.000 900, inani lokugcina lizoba ngama-euro angama-XNUMX kuphela empesheni, noma kunjalo, uma ngabe unikele ngeminyaka engu-15 kuphela yempilo yakho, inani lehliselwe kuma-euro angama-500.

Kufanele ukhumbule ukuthi ngalinye lawa mali alilungisiwe, ngakho-ke kubaluleke kakhulu ukuthi uwabuyekeze unyaka nonyaka ukuze wazi ukuthi yiziphi izinguquko esisekelweni somnikelo, ngaphezu kokukhushulwa kwamaholo ezinkampanini.

Bonke abasebenza ngokuzimela bangakhetha ifayela le- uhlobo lwesisekelo somnikelo Nokho, abazonikela ngazo, kumele babazi kahle kakhulu, ngoba yilokhu okuzokwenza ukuthi bathole izinzuzo noma cha uma kwenzeka bekhubazekile noma benze nempesheni yabo ibe ngaphezulu noma kancane ngosuku okufanele bayilande ngalo. Iminyaka ephelele yokwengeza inkokhelo yakho yempesheni futhi ukwazi ukuba nenani elikhulu lezinzuzo kungemuva kwama-42.

Ngokomthetho, eminye imikhawulo iyasungulwa maqondana ne- isisekelo senani lomnikelo lalabo abazisebenzelayo nakuzo zonke izinguquko ezingenziwa kuyo unyaka nonyaka.

Ukuphela kwendlela yokulindela izinkinga zesikhathi esizayo futhi ikakhulukazi ukuhlelela umhlalaphansi ukubona inani, lisondele kakhulu osukwini esizothatha ngalo umhlalaphansi ngenxa yezinguquko ezidalwa minyaka yonke. Ochwepheshe batusa ukuthi ukuze sibe nephethini, okungcono kakhulu ukukubona minyaka yonke ukuze sazi ukuthi sizodinga yini izimpesheni ezizimele noma cha.


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Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.