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돈 모으는 적금 같은거 추천 부탁드립니다!
이 어려운 시기에 출근하신 것을 축하드립니다. 돈공부는 정말 중요한데요. 몇가지 정리 해드리겠습니다. 1. 예산 관리와 지출 기록(가계부) 월급을 받으면 필수 지출(생활비, 교통비 등)과 저축을 먼저 계획하고 나머지 금액을 소비에 할당하세요. 매일 지출을 기록해보세요. 이렇게 하면 불필요한 소비를 줄이고 돈을 더 효과적으로 관리할 수 있습니다. 2. 비상금 예상치 못한 지출에 대비해 월급의 3~6개월치 정도를 비상금으로 저축해 두세요. 비상금 계좌는 쉽게 인출할 수 없는 적금 계좌로 설정하는 것이 좋습니다. 3. 자동 저Read more
이 어려운 시기에 출근하신 것을 축하드립니다.
돈공부는 정말 중요한데요. 몇가지 정리 해드리겠습니다.
1. 예산 관리와 지출 기록(가계부)
월급을 받으면 필수 지출(생활비, 교통비 등)과 저축을 먼저 계획하고 나머지 금액을 소비에 할당하세요.
매일 지출을 기록해보세요. 이렇게 하면 불필요한 소비를 줄이고 돈을 더 효과적으로 관리할 수 있습니다.
2. 비상금
예상치 못한 지출에 대비해 월급의 3~6개월치 정도를 비상금으로 저축해 두세요. 비상금 계좌는 쉽게 인출할 수 없는 적금 계좌로 설정하는 것이 좋습니다.
3. 자동 저축
월급이 들어오면 일정 금액이 자동으로 저축 계좌로 이체되도록 설정하세요. 자동이체를 활용하면 저축 습관을 쉽게 들일 수 있습니다.
4. 적금 및 예금 활용
정기 적금을 통해 꾸준히 저축해 보세요. 매달 일정 금액을 저축하면서 이자를 받을 수 있습니다.
여유 자금이 있을 경우, 금리가 높은 정기 예금에 넣어 두는 것도 좋은 방법입니다.
5. 소액 투자 시작
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See lessETF나 펀드: 주식에 직접 투자하는 것이 부담스럽다면, 소액으로 ETF나 펀드에 꾸준히 투자해보세요. 위험은 낮추면서도 시장의 성장을 함께 할 수 있습니다.
I keep getting tasks that are above my skill level. How can I address this without coming accross as grossly incompetent?
First, this answer hinges on the fact that you do mention to those who are assigning you tasks that you will have difficulty with them, and that this is accepted. Particularly in a junior role, even if only with a specific technology stack, that really should be accepted; nobody can expect someone wRead more
First, this answer hinges on the fact that you do mention to those who are assigning you tasks that you will have difficulty with them, and that this is accepted. Particularly in a junior role, even if only with a specific technology stack, that really should be accepted; nobody can expect someone who has only worked with a technology stack and a mass of source code for half a year to be as productive as someone who has been doing the same for years.
See lessDealing with an employee that went over my head
Company work hours by default don’t mean everyone has to work them. They only mean company business hours, when someone can come in. Small companies usually have the most flexibility in this regard, so it’s natural for people to assume that flexible hours is a norm for non-customer facing roles. IsRead more
Company work hours by default don’t mean everyone has to work them. They only mean company business hours, when someone can come in. Small companies usually have the most flexibility in this regard, so it’s natural for people to assume that flexible hours is a norm for non-customer facing roles. Is this a helpdesk or sales position? Is it a software developer / network admin / another technical role? Two different treatment plans.
Regarding how to deal with this or similar situation (when employee requests a non-standard accommodation), you need to try your best to accommodate them. Talk to your boss, see what you can do. If you can allow some flex in work start/end time, do so. If after all this you are absolutely sure hours are strict, you must provide a reasonable explanation why this would be the case (unless it’s obvious to everyone, like a bank teller – need to cover a specific shift). In 2017 you cannot just reject them “because I said so”.
See less친구가 운영하는 회사에 지원할 때 어떻게 접근해야 할까?
Of course it will. But that’s not in and of itself a problem.1 You know this person well enough to consider him a friend so it would be very strange not to give him a heads-up, especially because he’s actually the owner and it’s a small business. Just tell him that you saw the ad and think that youRead more
Of course it will. But that’s not in and of itself a problem.1 You know this person well enough to consider him a friend so it would be very strange not to give him a heads-up, especially because he’s actually the owner and it’s a small business. Just tell him that you saw the ad and think that you could potentially be a good candidate, even if you aren’t a perfect match experience-wise. Just be direct, honest and make it easy for him to say no. There are legitimate reasons not to hire friends, even if there are a few levels between you, your friend might simply prefer not to mix business with personal relationships, or they may as you suspect prefer a more experienced profile.
See less완전히 무능하고 게으른 동료들로 인한 개인적인 스트레스를 어떻게 처리해야 할까?
Gotta get some perspective on what matters. If incompetent, lazy and/or stupid people stress you out that much, you’re going to be dead at a very early age, because people who fit that description comprise the vast majority of all societies. Also, realize that “not doing things exactly as I would orRead more
Gotta get some perspective on what matters. If incompetent, lazy and/or stupid people stress you out that much, you’re going to be dead at a very early age, because people who fit that description comprise the vast majority of all societies.
Also, realize that “not doing things exactly as I would or want them to be done, catering to my own timeframes and desire” is not necessarily being lazy or stupid. Do you cater to their wants the same way you want them to cater to yours?
It could very well be that you are simply surrounded by complete losers and idiots. Make sure, if you’re going to stress yourself to an early grave, that it’s really over them being lazy and/or incompetent, and not a case of you having a very self-centered life view.
See lessHow to evaluate whether a career coach is beneficial?
Now lets talk about changing a carreer : what do you want to do? Are there job in this field? If there are job, its is were you live or you will need to relocate? The salary would be good? Don’t forget you will start as an inexperienced person so the salary could be low. Talking about it with the coRead more
Now lets talk about changing a carreer : what do you want to do? Are there job in this field? If there are job, its is were you live or you will need to relocate? The salary would be good? Don’t forget you will start as an inexperienced person so the salary could be low.
Talking about it with the coach is a good idea. Having an other opinion will surely help you. Depending on the country some assiociation exist for this topic and you can contact them for free.
See lessHow do I tell my new employer that I can’t use the computer they gave me?
To expand a bit on my comment on @KateGregory’s answer, the problem you face with using your own computer is “who owns what?”. How is a line drawn between things that you do on that computer for the company vs. for yourself? If you work on other projects off the clock, can the company make any claimRead more
To expand a bit on my comment on @KateGregory’s answer, the problem you face with using your own computer is “who owns what?”. How is a line drawn between things that you do on that computer for the company vs. for yourself? If you work on other projects off the clock, can the company make any claim to those? Does the computer have to comply with all corporate standards & policies, including antivirus, web filtering, remote scanning for unapproved software, etc.? Who owns the software you’re using? Who’s responsible for the licensing?
You are going to have to wait a couple weeks before you can make any kind of pitch to get a usable computer. Otherwise, you come across as the new guy who wants everything “just so”, and that will not earn you any points.
See less