Kukonzekera ku Koleji: Zosankha Zoyenera Zogulitsa
Achinyamata ambiri amalakalaka atakhala paokha popanda makolo awo. Njira imodzi yotere ndi kuphunzira ku koleji. Akafika kumeneko, amaona kuti kukhala munthu wamkulu nโkovuta kwambiri. Ayenera kusamalira zinthu zambiri zofunika. Chimodzi mwa izo ndi kudziyimira pawokha pazachuma. M'pofunika kwambiri kukhala ndi ndalama komanso kuzigwiritsa ntchito mwanzeru. Chifukwa chake, kuyika ndalama kwa ophunzira aku koleji ndi chimodzi mwazinthu zofunika kwambiri kuti mukhale wodzidalira.
Kodi ndalama zabwino kwambiri zotani kwa ophunzira aku koleji? Ndi funso labwino komanso lovuta. Kuyika ndalama ndikusuntha kwanzeru komwe kungakhudze kwambiri tsogolo lanu lazachuma. Kuyika ndalama koyambirira kumakupatsani mwayi wogwiritsa ntchito mphamvu zophatikizira ndikupanga mbiri yochulukirapo pakapita nthawi. Choncho, zingakhale zomveka kuyamba kuphunzira funsoli mukadali pasukulu. Ngakhale mutakhala kuti mulibe ndipo simunaganizepo mpaka pano, musade nkhawa. Tili ndi zosankha zingapo zomwe zimaphunzitsa momwe mungasungire ndalama ngati wophunzira waku koleji kuti musangalale ndi ndalama. Ingopitirirani kuwerenga!
Mental Math App ya Ana
Masewera a masamu amisala amakhudza luso loganiza komanso kuthetsa vuto lomwe lili m'mutu mwanu. Imamanga kuganiza mozama kumeneko mโmaganizo mwa mwana ndipo imamupangitsa kukhala wokhoza kupeza njira zothetsera mavuto osiyanasiyana.
Mvetsetsani Zofunikira
Ngati mukufuna kuyika ndalama ngati wophunzira waku koleji, musamafulumire. Ndi ntchito yovuta, ndipo cholakwika pang'ono chingakutsogolereni kumavuto azachuma. Chifukwa chake ndikofunikira kumvetsetsa zoyambira. Mutha kuyamba ndi:
- Kuwerenga mabuku oyika ndalama.
- Kupita ku semina kapena ma webinars.
- Kulankhula ndi mlangizi wa zachuma, etc.
- Langizo linanso: Samalirani masheya, ma bond, ndalama zothandizirana, ndi zina zofunika.
Tanthauzirani Zolinga Zogulitsa
Gawo lachiwiri loyenera kuchita ndikuzindikira zolinga zanu. Izi ndi zazifupi komanso zazitali. Zolinga zazifupi ndizosavuta kukonzekera ndikumvetsetsa. Kungakhale kugula foni yam'manja, zovala, ndi zina zotero. Zakale zimakhala zovuta kwambiri ndipo zimafuna kukonzekera bwino. Awa ndi mapulani opuma pantchito, kugula malo, ndi zina zotero. Monga mukuonera, ndizovuta kukonzekera, ndipo mumafunika nthawi kuti muphunzire ubwino ndi zovuta zonse musanapange chisankho. Mutha kugwiritsa ntchito mlangizi wapadera wa digito yemwe amakuthandizani kutsata ndalama zanu ndi mabizinesi anu.
Yambani Small
Malingaliro oyambira pakuyika ndalama ku koleji amatsimikizira kuti muyenera kupewa mtundu uliwonse wazinthu zomwe zili pachiwopsezo chachikulu. Muyenera kuyamba pang'ono. Mwachitsanzo, sungani chinthu kapena ikani ndalama zomwe zili pafupi $ 40-50 yokha. Onani momwe kusankha kwanu kumagwirira ntchito ndikukweza mtengo kapena yesani ina. Onetsetsani kuti simudzataya zambiri ngati tsoka lichitika.
Yesani Ndalama Zotsika Zotsika
Kodi mungayambe bwanji kuyika ndalama ngati wophunzira? Chimodzi mwazinthu zazikulu ndikuyesa ndalama zotsika mtengo. Iwo ndi abwino kwa oyamba kumene mu makampani awa. Amathandizira kuyang'anira momwe msika ukuyendera. Siwowopsa poyerekeza ndi masheya omwe ali pawokha. Ali ndi malipiro ochepa poyerekeza ndi ndalama zomwe zimayendetsedwa mwakhama. Zotsatira zake, wogulitsa ndalama amasangalala ndi zopindulitsa zambiri.
Gwiritsani Ntchito Chida Chanzeru
Ngati mukuda nkhawa ndi momwe mungakhazikitsire ndalama ngati wophunzira ndipo osalipira ndalama zambiri, ganizirani kugwiritsa ntchito chida chimodzi chanzeru zachuma. Ndi mlangizi weniweni wazachuma. Amagwiritsa ntchito ma algorithms kuti:
- konzani mbiri yanu,
- kuwongolera bajeti,
- kuwonetsa mtengo wotsika,
- pezani zochepera za akaunti.
Ikhozanso kusiyanitsa mbiri yanu pazomwe muli nazo. Posachedwapa, mupeza kuti njira zanu zonse ndi zomveka komanso zopindulitsa. Ingopezani chida chothandiza chomwe chili ndi mavoti apamwamba kuchokera kwa ogwiritsa ntchito komanso opanda nsikidzi.
Invest in Education
Kusunga kwanu ndikuyika ndalama kwa ophunzira kuthanso kugwirizana ndi gawo la maphunziro. Mutha kuyika ndalama mu maphunziro anu! Gwiritsani ntchito mwayi uliwonse wa koleji yanu, monga makalasi amaphunziro azachuma aulere kapena makalabu oyika ndalama. Mwachitsanzo, mutha kulowa nawo gulu lazachuma kapena zina ngati izi. Njira yotereyi imakulolani kuti muwerenge kuchokera kwa omwe ali ndi chidziwitso ndikupeza chidziwitso pakuwongolera mbiri yabwino.
Kuti mupeze zidziwitso zofunikira pakupanga zisankho zoyenera zogulira mukamakonzekera koleji, pitani ku www.honorsociety.org.
Gulani pa intaneti
Lingaliro lina lazachuma likugwirizana pang'ono ndi ndalama. Muyenera kuganizira za kuphunzira momwe mungagwiritsire ntchito ndalama mothandizidwa ndi intaneti yamphamvu kwambiri. Pali zambiri kuchititsa tsamba laulere kwa ophunzira ngati akufuna olemba apamwamba kuti athetse zovuta zawo zazikulu zamaphunziro.
Pulatifomu yoyenera imapereka chithandizo chachangu komanso choyenera. Mitengo yake nthawi zambiri imakhala yabwino kuti ikwaniritse bajeti ya wophunzira wamba. Kupatula apo, mutha kusintha mtengowo malinga ndi mwayi wanu wachuma. wongolerani mpaka mtengowo ugwirizane ndi thumba lanu. Chifukwa chake, simudzalipira. Mabungwe azikhalidwe nawonso amapereka kuchotsera kwakukulu kwa ophunzira. Zotsatira zake, mutha kusunga ndalama zambiri zomwe mumapeza. Ingochitani kafukufuku wozama kuti mufotokozere njira yodalirika yopezera chithandizo chapamwamba komanso osalipira zambiri.
Komabe, ndi imodzi yokha mwa njira zomwe zingatheke. Paintaneti imapereka mawebusayiti osiyanasiyana komanso malo ogulitsira pa intaneti omwe amapereka mitengo yosokoneza. Nthawi zambiri, mitengo yawo ndi yotsika mtengo poyerekeza ndi masitolo wamba. Amaperekanso kuchotsera kokongola. Nthawi zonse ndi bwino kugula pa Intaneti.
Dziwani kuti inunso mungathe kuchita zinazake kwaulere. Nthawi zambiri, pali masamba osiyanasiyana ophunzirira komanso osachita phindu omwe amafalitsa zida zothandiza pakati pa ophunzira. Mutha kuwerenga mabuku aposachedwa, zolemba zasayansi, ndi zina zofananira popanda kulipirira.
Kufotokozera Mawu a Nzeru
Kuyika ndalama kwa ophunzira ndi gawo lofunikira kwambiri popanga tsogolo labwino lazachuma. Musamachite zinthu mopupuluma zikafika pa ntchito iliyonse ndi ndalama. Tengani nthawi yowerengera mosamala nkhani iliyonse, gwiritsani ntchito mlangizi wa akatswiri, yesani mlangizi wa robo, pewani kuopsa kwakukulu, ndipo mudzapeza njira zabwino kwambiri zopezera ndalama komanso osataya ndalama.
Mafunso Ofunsidwa Kawirikawiri
1. Nโchifukwa chiyani kuli kofunika kupanga zisankho zolondola zandalama pamene mukukonzekera kupita ku koleji?
Kupanga zisankho zoyenera pokonzekera ku koleji ndikofunikira chifukwa kumatha kukhudza luso lanu lopeza maphunziro, chipinda ndi bolodi, ndi zina zowonongera. Zitha kukhalanso ndi zovuta zachuma kwanthawi yayitali, monga kusokoneza luso lanu lolipira ngongole za ophunzira ndikukwaniritsa kukhazikika kwachuma mukamaliza maphunziro.
2. Kodi zina mwa njira zopezera ndalama zopezera ndalama ku koleji ndi ziti?
Pali njira zingapo zopezera ndalama zomwe zingapezeke pakusunga ndalama ku koleji, kuphatikiza mapulani 529, maakaunti a Coverdell Education Savings, Uniform Gifts to Minors Act (UGMA) kapena maakaunti a Uniform Transfer to Minors Act (UTMA), ndi Roth IRAs. Iliyonse mwa zosankhazi ili ndi mawonekedwe akeake, zopindulitsa, ndi zolephera.
3. Kodi ndingadziwe bwanji ndalama zomwe ndiyenera kusunga ku koleji?
Kuti mudziwe kuchuluka kwa ndalama zomwe muyenera kusunga ku koleji, muyenera kuganizira za mtengo wowerengera, zomwe mukuyembekezera pabanja, ndi thandizo lazachuma kapena maphunziro omwe mungalandire. Ndikofunikiranso kuganizira za kukwera kwa mitengo ndikuyamba kusunga ndalama mwamsanga kuti mudzipatse mwayi wokwaniritsa zolinga zanu zosungira.
4. Kodi ndingasinthe zosankha zanga zachuma ndikangoyamba kusunga ndalama ku koleji?
Inde, mutha kusintha zosankha zanu zachuma mukangoyamba kusunga ndalama ku koleji. Komabe, ndikofunikira kuganizira mozama kusintha kulikonse ndi momwe zingakhudzire zolinga zanu zosungira, komanso chindapusa chilichonse kapena misonkho yokhudzana ndi kusintha zomwe mwasankha.
5. Kodi ndingatsimikizire bwanji kuti zosankha zanga zachuma zikugwirizana ndi zolinga zanga zanthawi yayitali zazachuma kupitilira koleji?
Kuti muwonetsetse kuti zosankha zanu zogulira zikugwirizana ndi zolinga zanu zachuma zanthawi yayitali kupitilira koleji, muyenera kuganizira za kulekerera kwanu pachiwopsezo, nthawi yoyika ndalama, ndi dongosolo lonse lazachuma. Ndikofunikira kuwunika pafupipafupi mbiri yanu yandalama ndikusintha njira zanu momwe zingafunikire kuti zikuthandizeni kukwaniritsa zolinga zanu zazachuma zanthawi yayitali. Kufunafuna upangiri wa akatswiri azachuma kungakhalenso kopindulitsa pakupanga ndi kukhazikitsa njira yabwino yopangira ndalama.