Ukulungela iKholeji: Ukhetho oluLungileyo loTyalo-mali
Uninzi lwabakwishumi elivisayo lunqwenela ukuzimela geqe kubazali balo. Elinye inyathelo elinjalo kukufunda ekholejini. Xa besenza apho, bafumanisa ukuba ukuba mdala kunzima kakhulu. Bamele ukuba banakekele izinto ezininzi eziyimfuneko. Enye yazo kukuzimela ngokwemali. Kubalulekile ukuba nemali kwaye uyisebenzise ngobulumko. Ke, ukutyala imali kubafundi beekholeji yenye yezinto eziphambili ukuxhomekeka.
Loluphi olona tyalo-mali lungcono lwabafundi beekholeji? Ngumbuzo olungileyo kwaye unzima. Utyalo-mali linyathelo elibukhali elinokuthi libe nefuthe elikhulu kwikamva lakho lezemali. Ukutyala imali kwangoko kukuvumela ukuba uthathe ithuba lamandla okudibanisa kunye nokwakha ipotifoliyo yotyalo-mali enkulu ngokuhamba kwexesha. Ke, kusenokuba sengqiqweni ukuqalisa ukufunda lo mbuzo xa usesesikolweni. Nokuba awukho kwaye awukhange ucinge ukuba kude kangako, ungakhathazeki. Sineenketho ezimbalwa ezintle ezifundisa indlela yokutyala imali njengomfundi wekholeji ukonwabela impumelelo yezemali. Qhubeka ufunda!
I-Mental Math App yabantwana
Imidlalo yezibalo yengqondo imalunga namandla okucinga kunye nokusombulula ingxaki entlokweni yakho. Kwakha oko kucinga nzulu engqondweni yomntwana kwaye kumenza akwazi ukufumana izisombululo kwiingxaki ezahlukeneyo.
Qonda iziseko
Ukuba unomdla wotyalo-mali njengomfundi wekholeji, akufuneki ukhawuleze. Ngumsebenzi onamaqhinga, kwaye eyona mpazamo incinci inokukukhokelela kwintlekele yezemali. Yiyo loo nto kubalulekile ukuqonda iziseko. Unokuqala ngokuthi:
- Ukufunda iincwadi zotyalo-mali.
- Ukuya kwiisemina okanye iiwebinars.
- Ukuthetha nomcebisi wezezimali, njl.
- Ingcebiso eyongezelelweyo: Nikela ingqalelo kwizitokhwe, iibhondi, iimali ezihlangeneyo, kunye nezinto ezifanayo.
Chaza iiNjongo zoTyalo-mali
Inyathelo lesibini ekufuneka ulithabathe kukuchonga iinjongo zakho. Ezi zezexesha elifutshane kunye nexesha elide. Iinjongo zexesha elifutshane kulula ukuzicwangcisa nokuziqonda. Kungaba ukuthengwa kweselfowuni, iimpahla, njl njl. Ixesha elide linzima kwaye lifuna ukucwangciswa kobuchule. Ezi zizicwangciso zomhlalaphantsi, ukuthenga umhlaba, njalo njalo. Njengoko ubona, kunzima ukucwangcisa, kwaye udinga ixesha lokufunda zonke izinto ezilungileyo kunye neengxaki ngaphambi kokuba wenze isigqibo. Unokusebenzisa umcebisi okhethekileyo wedijithali onceda ukulandelela imali yakho kunye notyalo-mali.
Qala iNcinci
Iingcebiso ezisisiseko malunga nokutyalomali kwikholeji ngokuqinisekileyo zibanga ukuba kufuneka uphephe naluphi na uhlobo lotyalo-mali olusemngciphekweni omkhulu. Kufuneka uqale kancinci. Umzekelo, tyala imali kwinto okanye ubeke idiphozithi malunga ne-40-50 yeedola kuphela. Jonga ukuba ukhetho lwakho lusebenza njani kwaye mhlawumbi uphakamise isibonda okanye uzame esinye. Qiniseka nje ukuba awuyi kulahlekelwa kakhulu ukuba ilishwa lenzeka.
Zama iiNgxowa-mali zeSalathiso esiXhaphayo
Ungaqala njani ukutyala imali njengomfundi? Enye yezona ngcebiso zinkulu kukuzama imali yesalathiso samaxabiso aphantsi. Bakulungele abaqalayo kweli shishini. Banceda ukulandelela ukusebenza kwesalathisi esithile semarike. Azikho mngcipheko xa zithelekiswa nezitokhwe zomntu ngamnye. Banemirhumo ephantsi xa kuthelekiswa neemali ezilawulwa ngokusebenzayo. Ngenxa yoko, umtyali-mali uyonwabela imbuyekezo enenzuzo ngakumbi.
Sebenzisa isixhobo esihlakaniphile
Ukuba unexhala malunga nokutyala imali njengomfundi kwaye ungaze uhlawule ngaphezulu, cinga ukusebenzisa isixhobo esinye esikrelekrele sezemali. Ngumcebisi wezemali obonakalayo. Isebenzisa i-algorithms ukwenza:
- lawula ipotfoliyo yakho,
- ulawulo lohlahlo lwabiwo-mali,
- bonisa imirhumo ephantsi,
- fumana ubuncinci beakhawunti ephantsi.
Isenokwahluka ipotifoliyo yakho kuzo naziphi na iinjongo onazo. Kungekudala, uya kufumanisa ukuba onke amanyathelo akho anengqiqo kwaye anenzuzo. Fumana nje isixhobo esisebenzayo esinokulinganisa okuphezulu kubasebenzisi kwaye akukho bugs.
Tyala kwiMfundo
Ugcino lwakho notyalo-mali lwabafundi lunako ukusebenzisana necandelo lezemfundo. Unokutyala imali kwimfundo yakho! Thatha ithuba lazo naziphi na izibonelelo zekholeji yakho, ezinje ngeeklasi zemfundo yezemali yasimahla okanye iiklabhu zotyalo-mali. Umzekelo, unokujoyina iklabhu yotyalo-mali okanye into efana nale. Inketho enjalo ikuvumela ukuba ucinge kubatyalo-mali abanamava kwaye ufumane amava ekulawuleni ipotifoliyo efanelekileyo.
Ukufumana ulwazi oluxabisekileyo malunga nokwenza ukhetho olufanelekileyo lotyalo-mali njengoko ulungiselela ikholeji, yiya ku www.honorsociety.org.
Thenga kwi-Intanethi
Elinye icebiso lezemali linxulumene kancinci notyalo-mali. Kuya kufuneka ucinge ngokufunda indlela yokutyala imali ngoncedo lwe-Intanethi enamandla onke. Zininzi free website hosting kubafundi ukuba bafuna ababhali abaphambili ukuba basombulule eyona mingeni yabo yokufunda.
Iqonga elifanelekileyo linika uncedo olukhawulezayo nolunobuchule. Amaxabiso ayo adla ngokufanelekileyo ukuhlangabezana nohlahlo lwabiwo-mali lomfundi oqhelekileyo. Ngaphandle koko, unokuhlengahlengisa ixabiso ngokwamathuba akho emali. yilawule de ibhidi ifanele ipokotho yakho. Ngaloo ndlela, awuyi kuhlawula ngaphezulu. Ii-arhente eziqhelekileyo nazo zibonelela ngezaphulelo ezikhulu kubafundi. Ngenxa yoko, unokugcina umvuzo wakho omninzi. Yenza nje uphando olunzulu ukuchaza ukhetho oluthembekileyo lokufumana uncedo olukumgangatho ophezulu kwaye ungaze uhlawule kakhulu.
Nangona kunjalo, lolunye kuphela ukhetho olunokwenzeka. I-Intanethi ibonelela ngeendawo ezininzi ezahlukeneyo kunye neevenkile ze-intanethi ezibonelela ngamaxabiso athobโ esichengeni. Ngokuqhelekileyo, iipolisi zabo zexabiso ziphantsi xa kuthelekiswa neevenkile eziqhelekileyo, eziphathekayo. Bakwanikezela ngezaphulelo ezinomtsalane. Kuhlala kungcono ukuthenga kwi-Intanethi.
Qaphela ukuba nawe wenze into simahla. Ngokuqhelekileyo, kukho iindawo ezahlukeneyo zemfundo kunye nezingenzi nzuzo ezisasaza izixhobo eziluncedo phakathi kwabafundi. Unokufunda iincwadi zezifundo zamva nje, amanqaku enzululwazi, kunye nezinto ezifanayo ngaphandle kokuzihlawulela.
Ukuchaza Amazwi Obulumko
Ukutyala imali kubafundi yinxalenye ebalulekileyo yokwakha ikamva lezemali elikhuselekileyo. Ungaze ungxame xa kufikwa kulo naluphi na umsebenzi ngemali. Thatha ixesha lokufunda yonke imeko ngononophelo, sebenzisa umcebisi oyingcali, zama umcebisi we-robo, uphephe imingcipheko ephezulu, kwaye ngokuqinisekileyo uya kufumana ezona ndlela zisebenzayo zokufumana kwaye ungaze ulahlekelwe yimali.
Imibuzo ebuzwa qho
1. Kutheni kubalulekile ukwenza ukhetho olufanelekileyo lotyalo-mali xa ulungiselela ukuya ekholejini?
Ukwenza ukhetho olufanelekileyo lotyalo-mali xa ulungiselela ukuya ekholejini kubalulekile kuba kunokuchaphazela amandla akho okuhlawula imali yokufunda, igumbi kunye nebhodi, kunye nezinye iindleko. Inokuba nefuthe lexesha elide lemali, elifana nokuchaphazela amandla akho okuhlawula imali mboleko yabafundi kunye nokuzuza uzinzo lwezemali emva kokuphumelela.
2. Zeziphi ezinye zeenketho zotyalo-mali ezikhoyo ukonga ekholejini?
Kukho iindlela ezahlukeneyo zotyalo-mali ezifumanekayo kwiikholeji zokonga, kubandakanywa iiplani ze-529, i-Akhawunti ye-Coverdell Education Savings, i-Uniform Gifts to Minors Act (UGMA) okanye i-Uniform Transfers to Minors Act (UTMA) akhawunti, kunye ne-Roth IRAs. Nganye kwezi zikhetho zineempawu zayo ezizodwa, iingenelo, kunye nemida.
3. Ndingasibona njani isixa semali endiyidingayo ukuyongela ikholeji?
Ukumisela isixa semali ekufuneka uyigcinele ikholeji, kuya kufuneka uqwalasele ixabiso eliqikelelweyo lokuzimasa, igalelo lakho elilindelekileyo losapho, kunye naluphi na uncedo lwezemali okanye i-scholarship onokuthi uyifumane. Kukwabalulekile ukulinganisa ukunyuka kwamaxabiso kunye nokuqalisa ukonga kwangoko kangangoko ukuze uzinike elona thuba lilungileyo lokufikelela kwiinjongo zakho zokonga.
4. Ndingalutshintsha ukhetho lwam lotyalo-mali xa sele ndiqalile ukugcinela ikholeji?
Ewe, ungalutshintsha ukhetho lwakho lotyalo-mali xa sele uqalile ukugcinela ikholeji. Nangona kunjalo, kubalulekile ukuqwalasela ngononophelo naluphi na utshintsho kunye nempembelelo enokubakho kwiinjongo zakho zokulondoloza, kunye nayo nayiphi na imirhumo okanye iimpembelelo zerhafu ezinxulumene nokwenza utshintsho kukhetho lwakho lotyalo-mali.
5. Ndingaqinisekisa njani ukuba ukhetho lwam lotyalo-mali luhambelana neenjongo zam zexesha elide ngezemali ngaphaya kwekholeji?
Ukuqinisekisa ukuba ukhetho lwakho lotyalo-mali luhambelana neenjongo zakho zexesha elide zezemali ngaphaya kwekholeji, kufuneka uqwalasele ukunyamezela kwakho umngcipheko, ixesha lotyalo-mali, kunye nesicwangciso sezemali ngokubanzi. Kubalulekile ukuba uphonononge ipotifoliyo yakho yotyalo-mali rhoqo kwaye uhlengahlengise isicwangciso sakho njengoko kufuneka ukukunceda ufezekise iinjongo zakho zemali zexesha elide. Ukufuna iingcebiso zengcali yezemali kunokuba luncedo ekuphuhliseni nasekuphumezeni isicwangciso esisebenzayo sotyalo-mali.