Afe a edi kan a sika no yɛɛ mmerɛw ampa no, ohuu no wɔ nneɛma nketewa mu. Kar no ho ka tuayɛ dan ade a ɛnyɛ ade kɛse. Sɛ ɔkɔdidi abɔnten a, na ɛnhia sɛ ɔbu akontaa wɔ baabi a kar gyina. Enti osii gyinae sɛ obefi ase de ama yiye, obuee spreadsheet, hwɛɛ mu simma aduonu, na ɔsan too mu, efisɛ na onnim akontaa a ɛremma n'ani nnwu.
Ɛno yɛ ɔhaw pa a ɛsɛ sɛ obi nya, na ɛtaa ba. Ɛkame ayɛ sɛ obiara nsua ɔkwan bi wɔ ha. Ntotoso du wɔ hɔ, mmuae pɔtee a efi amammerɛ pɔtee bi mu. Akontaabu a ɛfa ayamye a ɛso wɔ hɔ a ɛyɛ kann na ebetumi ama obi a ɔreyɛ eyi ne mprɛko so ate nka sɛ ɛsɛ sɛ onya nhwehwɛmu abodin ansa na wasoma dɔla aduonum. Ɛntam hɔ no, nnipa pii a wɔwɔ tumi tena hɔ a anka wɔde bɛma bere a wɔahyɛ sɛ obi bɛkyerɛ wɔn ɔkwan a wɔbɛfa so apaw akontaa no a nnyinaso wɔ mu.
Ɔkwan a wɔbɛfa so apaw ni. Ɛgye bɛyɛ simma du, na woyɛ no pɛnkoro pɛ.
Sɛ wode ɔha mu kyɛfa ma a, dɛn ankasa na ɛyɛ ma wo?
Ɛsakra nea w'akatua kyerɛ ansa na ɛresakra biribi foforo. Sika a efi hɔ kɔ ne ho so, wɔ kyɛfa a ɛnsakra mu, gyae sɛ ɛyɛ akontaabɔ a wobɔ mmɔden sɛ wobɛsen so, na efi ase yɛ ade a ɛwɔ adwuma pɔtee bi.
Saa nsakrae no ne ɔfa a obiara nkyerɛw ho, na ɛsom bo sen akontaabu a ɛwɔ n'ase no. Obi a ɔda so ara reboaboa ano rehwehwɛ atenka bi no nnim da sɛ akontaa no aso, efisɛ atenka no sesa bere biara a akontaa no sesa. Obi a wasi gyinae dedaw wɔ nea ne fa bi wɔ hɔ ma no abua asɛmmisa no dada. Ɔkenkan sika a ɔwɔ no ɔkwan foforo so, ɔdi apam wɔ bodwo mu efisɛ akontaa no nsoa ne bo a ɔbu ne ho nkɔ dan no mu, na obetumi atwɛn ama boɔ bɔne bi atwam a ɔntwɛn no nte sɛ atemmu.
Nhwehwɛmu a ɛfa ɔdeɛ a wode ma ho no kyerɛ baabi a ɛyɛ dɛ nanso ɛnhyɛ wo bɔ biara. Dunn, Aknin ne Norton hunuu wɔ nsɛmmisa, mmerɛ tenten ne sɔhwɛ nhwehwɛmu mu sɛ, sika a wɔsɛe wɔ nkurɔfo foforo so no de anigye kɛse baa sen sɛ wɔde sika koro no ara bɛsɛe wɔn ankasa ho. Ɛno yɛ nea ɛfa dodow ntam mfinimfini ho, ɛnyɛ bɔhyɛ a ɛfa wo Benada ho, na krataa yi renka nea ɛbɛsan aba wo nkyɛn nkyerɛ wo. Nea ɛbɛka ne sɛ, ɔha mu kyɛfa a wusi ho gyinae ansa yi akyinnyegye baako a ɛba daa fi w'afe no mu, na ɛno nko ara fata simma du no.
Ɔha mu kyɛfa ahe na ɛsɛ sɛ mepaw?
Paw akontaa a worensan nkasa ho wɔ ɔsram a ɛnyɛ dɛ mu. Nnipa pii a wɔrefi eyi ase no, ɛtɔ baabi wɔ akatua nyinaa ɔha mu baako ne anum ntam, na mmuae pa no ne akontaa kɛse a wugye di ampa sɛ worenkum no wɔ Ɔpɛnimma mu.
Nneɛma kakraa bi ma ɛtena hɔ.
Ɔha mu kyɛfa, ɛnyɛ sika dodow pɔtee. Sika dodow bi, ɛsɛ sɛ wosan hwɛ no bere biara a w'akatua sesa, na ɛkyerɛ sɛ ɛdan gyinaesi bio komm. Ɔha mu kyɛfa foro ka wo ho kwa, enti afe pa ma ɛkɔ soro a nhyiamu biara nni hɔ.
Nea wonya nyinaa anaa nea aka wɔ tow akyi, paw baako na kyerɛw ase. Abrabɔ pa mmuae biara nni ha. Nea ɛwɔ hɔ ara ne deɛ wubetumi aka ne mu pɛpɛɛpɛ wɔ asram dunwɔtwe akyi.
Mpaw akontaa a ɛhia afe pa ansa na atumi ayɛ adwuma. Nea enti a woyɛ eyi ne sɛ ɛbɛtumi atra asram abiɛsa a hwee amma mu. Akontaa a ɛyɛ adwuma bere a nneɛma rekɔ so yiye nko ara no nyɛ ɔha mu kyɛfa, ɛyɛ atenka kɛkɛ.
Abrabɔ pa akontaa biara nni hɔ. Obiara a ɔka ade foforo kyerɛ wo no retɔn nhyehyɛe bi. Nea ɛwɔ hɔ ara ne akontaa a ɛyɛ adwuma, na nea ɛyɛ adwuma kyerɛ sɛ ɛgyina hɔ wɔ Ɔpɛpɔn, na ɛgyina hɔ wɔ ɔsram a adetɔfo bi tua ka akyiri.
Bere bɛn na menfi ase, na ɔha mu baako sua dodo sɛ wɔbɛkan anaa?
Fi ase seesei, wɔ ɔha mu kyɛfa biara a ɛbɛtumi atra ɔsram bɔne mu. Ɔha mu baako a wufi ase afe yi kyɛn ɔha mu du a wufi ase bere a wote nka sɛ w'ayɛ krado. Suban no ne ɔfa a ɛyɛ den wɔ ha, na akontaabu no nyɛɛ den da.
Twɛn wɔ ɔkwan pɔtee bi a ɛfa so sɛe ade. Ɔhye no tu ne nan. Wɔ mfe aduasa so no, nhyehyɛe no ne sɛ obefi ase bere a akatua no tra akontaa bi. Wɔ aduanan so, ɛyɛ bere a ofi ho ka no so atew. Wɔ aduonum so, ɛyɛ bere a mmofra no awie sukuu. Emu biara wɔ ntease sɛ ɛnenam nkoa. Bere a wɔka bom no, wɔyɛ abrabɔ a ɔdeɛ a wode ma no da so ara aka anammɔn baako. Onipa a ofii ase wɔ ɔha mu baako so wɔ mfe aduonu awotwe mu no, saa bere no na wayɛ no mfe aduonu, na ɛyɛ mmerɛw ma no sɛ ɔbɛma ɛkɔ soro, efisɛ sɛ woma ade a ɛwɔ hɔ dedaw kɔ soro a, ɛyɛ gyinaesi ketewa sen sɛ wufi ase wɔ hwee so.
Fa mmara baako ka ho bere a wowɔ ha. Sɛ w'akatua kɔ soro a, ma ɔha mu kyɛfa no nkɔ soro fa. Worente ɔha mu fa a wɔde aka akatua a wɔama no so no nka, na dwumadi no nyin wɔ w'adwuma mmirikatu no mmirika mu sen sɛ ɛbɛtwɛn atenka bi.
Ɔkwan bɛn so na mɛhyehyɛ no ama m'ahoɔden mu adwene ho anhia da?
Ma ɛnkɔ ne ho so wɔ da bi a wonhwɛ mu da, na afei gyae gyinaesi. Sika a ɛtu ɔsram biara wɔ da a edi akatua akyi no yi paw no nyinaa, na ɛno nko ara ne ɔkwan a wode bɛma ade bi akɔ so wɔ asram abiɛsa a ɛyɛ den mu.
Adanse a ɛwɔ hɔ ma nea ɛkɔ ne ho so no yɛ den soronko. Madrian ne Shea nhwehwɛmu a ɛfa 401(k) mu hyɛ ho no hui sɛ, sɛ wɔdan din a wɔhyɛ fi "paw bra mu" kɔ "ɛkɔ ne ho so" so a, ɛsakraa nkurɔfo nneyɛe kɛse a wɔansakra sika mu ade baako pɛ wɔ nhyehyɛe no mu, na nnipa pii tenaa baabi a nhyehyɛe no de wɔn sii. Aniha ne tumi kɛse sen biara wɔ ankorankoro sikasɛm mu. Kyerɛ no biribi a wode w'adwene paw so, na ɛbɛyɛ adwuma ama wo afe no nyinaa.
Mmara abiɛsa ma nea ɛkɔ ne ho so no yɛ nokware. Yɛ no ɔsram biara na ɛnyɛ afe biara, efisɛ sika tuyɛ nketewa dumien no nna adi na Ɔpɛnimma mu tuyɛ baako yɛ apam. Hwɛ mu pɛnkoro afe biara, wɔ dɔnhwerew koro a wohwɛ nneɛma a aka nyinaa mu no mu, na saa bere no nko ara. Na nsan nkasa ho wɔ afe no mfinimfini wɔ ɔsram pa mu nso, efisɛ ɔha mu kyɛfa a ɛkɔ soro wɔ anigye so no bɛba fam wɔ dadwen so.
Sɛ minnya sika no de nso ɛ?
Ɛnneɛ fa nimdeɛ a wɔtua wo ho ka no ma, na ɛnyɛ wo nnɔnhwerew nko ara. Awia baako a wode wo nimdeɛ ankasa yɛ adwuma no som bo ma kuw ketewa bi sen awia koro no ara a wobɛbu ho ka na wode sika no ama, na ɛwɔ hɔ mfe pii ansa na sika no aba.
Eyi ne ɔfa a nnipa to twene, na ɛno ne ɔfa a ɛma obi a ɔda so ara reforo tumi yɛ eyi nyinaa. Nneɛma anan a ɛsom bo sen biara a wubetumi de ama obi ɔsram yi mu no, wontua ho hwee koraa. Ka obi din wɔ dan a onni mu mu, eyi ne ɔkamafo adwuma na ɛnyɛ afotu. Kamfo ade pɔtee baako wɔ bagua mu, wɔ wɔn a wɔn adwene fa wɔn ho som bo no anim. Yɛ nkitahodie a anka wubetumi de asie wo tirim. Kyerɛkyerɛ ade a wunim, a ɛno nso ne ɔkwan a ɛyɛ ntɛm sen biara a wobɛfa so ahu ɔfa a na worekyerɛ sɛ wunim.
Adanse a ɛfa asom a wode kwa ho no hyɛ nkuran na ɛfata sɛ yɛka no yiye. Nhwehwɛmu bi a ɛkɔɔ so pɛpɛɛpɛ wɔ BMC Public Health mu hui sɛ wɔn a wɔsom kwa no nsɛm kɔɔ so yiye wɔ awerɛhow, abrabɔ mu anigye ne apɔmuden mu, na owu ho asiane sua wɔ nhwehwɛmu a wɔkaa ne nyinaa bom no mu, bere a akyerɛwfo no kaa no pefee sɛ nea ɛde ba no, wontumi nsi so dua. Enti yɛ efisɛ ɛnyɛ den na mfaso wɔ so na efisɛ ɛyɛ dwumadi yi fa a wubetumi afi ase nnɛ, na ɛnyɛ sɛ obi hyɛɛ wo mfaso bi ho bɔ.
Paw akontaa no nnɛ, na ɛnyɛ Ɔpɛnimma mu
Kyerɛw akontaa no ase ansa na atenka pa no atu akɔ. Ɛnyɛ nea ɔbɛnya, efisɛ ɛno yɛ w'ankasa asɛm na ɛnyɛ krataa yi de, na ɛnyɛ bɔhyɛ nso, efisɛ ɛno yɛ bɔ a nnipa hwɛ so. Ɔha mu kyɛfa no nko ara, sɛ ɛyɛ nea wonya nyinaa anaa nea aka, ne da a sika no tu.
Afei san kɔ adwuma so. Ɔha mu kyɛfa a woasi so dua nyɛ tow a ɛda akɔnnɔ so na ɛnyɛ asɛm a ɛka sɛ ma w'adwuma nyɛ ketewa. Ɛyɛ nea ɛne no bɔ abira: ɛno na ɛma mfe du a ɛreba a wobɛyɛ adwuma den na wɔatua wo ka yiye no annyɛ akontaabɔ ho asɛm, na obi a ɔnhwɛ akontaabɔ so no bisa pii, ɔtwɛn kyɛ, na ɔda so ara wɔ agodi no mu bere a akontaa akɛse no ba awiei koraa.
Nsɛm no fibea
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