Ukulungela Ikolishi: Izinketho Zokutshala Ezilungile
Iningi lentsha ifisa ukuzimela ngaphandle kwabazali bayo. Esinye sezinyathelo ezinjalo ukufunda ekolishi. Lapho benza lapho, bathola ukuthi ukuba umuntu omdala kuyinkimbinkimbi kakhulu. Kufanele banakekele izinto eziningi ezibalulekile. Enye yazo ukuzimela ngokwezimali. Kubalulekile ukuba nemali futhi uyisebenzise ngobuhlakani. Ngakho-ke, ukutshala imali kubafundi basekolishi kungenye yezinto eziza kuqala ukuze uzimele.
Yikuphi ukutshalwa kwezimali okuhle kakhulu kwabafundi basekolishi? Umbuzo omuhle futhi onzima. Ukutshala imali kuyisinyathelo esihlakaniphile esingaba nomthelela omkhulu kwikusasa lakho lezezimali. Ukutshala imali kusenesikhathi kukuvumela ukuthi usebenzise amandla okuhlanganisa futhi wakhe iphothifoliyo yokutshala imali eningi ngokuhamba kwesikhathi. Ngakho-ke, kungase kube nengqondo ukuqala ukufunda lo mbuzo ngenkathi usesikoleni. Ngisho noma ungenjalo futhi ungakaze ucabange kuze kube manje, ungakhathazeki. Sinezinketho ezimbalwa ezinhle ezifundisa ukuthi ungatshala kanjani imali njengomfundi wasekolishi ukuze ujabulele impumelelo yezezimali. Qhubeka ufunda!
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Imidlalo yezibalo zengqondo imayelana nekhono lokucabanga nokuxazulula inkinga ekhanda lakho. Kwakha lokho kucabanga okujulile emqondweni wengane futhi kumenza akwazi ukuthola izixazululo zezinkinga ezahlukene.
Qonda Okuyisisekelo
Uma unentshisekelo yokutshala imali njengomfundi wasekolishi, akufanele neze usheshe. Kuwumsebenzi okhohlisayo, futhi iphutha elincane lingase likuholele enhlekeleleni yezezimali. Yingakho kubalulekile ukuqonda okuyisisekelo. Ungaqala ngokuthi:
- Ukufunda izincwadi zokutshala imali.
- Ukuhambela amasemina noma ama-webinars.
- Ukukhuluma nomeluleki wezezimali, njll.
- Ithiphu elengeziwe: Naka izitoko, amabhondi, izimali ezihlanganyelwe, nezinto ezibalulekile ezifanayo.
Chaza Izinjongo Zokutshalwa Kwezimali
Isinyathelo sesibili okufanele usithathe ukukhomba izinhloso zakho. Lezi ezesikhathi esifushane nezesikhathi eside. Izinhloso zesikhashana kulula ukuzihlela nokuziqonda. Kungase kube ukuthenga umakhalekhukhwini, izingubo, njll. Isikhathi eside siyinkimbinkimbi futhi sidinga ukuhlela amasu. Lezi izinhlelo zokuthatha umhlalaphansi, ukuthenga izindlu, nokunye. Njengoba ubona, kunzima ukuzihlela, futhi udinga isikhathi sokufunda zonke izinzuzo nezingozi ngaphambi kokuba wenze isinqumo. Ungasebenzisa umeluleki okhethekile wedijithali osiza ukulandelela imali yakho kanye nezimali ozitshalile.
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Izincomo eziyisisekelo zokutshala imali ekolishi ngokuqinisekile zithi kufanele ugweme noma yiluphi uhlobo lokutshalwa kwezimali oluyingozi kakhulu. Udinga ukuqala kancane. Isibonelo, tshala kokuthile noma ubeke idiphozithi engaba ngu-$40-50 kuphela. Hlola ukuthi ukukhetha kwakho kusebenza kanjani futhi uphakamise isigxobo noma uzame enye. Qiniseka ukuthi ngeke ulahlekelwe okuningi uma kwenzeka amashwa.
Zama Izimali Zenkomba Ezibiza Kaphansi
Ungaqala kanjani ukutshala imali njengomfundi? Okunye okubalulekile wukuzama izimali zenkomba ezibiza kancane. Ziphelele kwabaqalayo kulo mkhakha. Basiza ukulandelela ukusebenza kwenkomba yemakethe ethile. Aziyona ingozi uma iqhathaniswa nesitoko ngasinye. Banezimali ezikhokhwayo eziphansi uma kuqhathaniswa nezimali eziphethwe ngokukhuthele. Ngenxa yalokho, umtshali-zimali ujabulela izinzuzo ezengeziwe ezinenzuzo.
Sebenzisa Ithuluzi Elihlakaniphile
Uma ukhathazekile ngokuthi ungatshala kanjani imali njengomfundi futhi ungalokothi ukhokhe ngokweqile, cabanga ukusebenzisa okungenani ithuluzi elilodwa lezezimali elihlakaniphile. Ingumeluleki wezezimali obonakalayo. Isebenzisa ama-algorithms uku:
- phatha iphothifoliyo yakho,
- lawula isabelomali,
- khombisa amanani aphansi,
- thola ubuncane be-akhawunti obuphansi.
Ingakwazi ngisho nokuhlukanisa iphothifoliyo yakho kunoma yiziphi izinhloso onazo. Maduze nje, uzothola ukuthi zonke izinyathelo zakho zinengqondo futhi zinenzuzo. Vele uthole ithuluzi elisebenzayo elinesilinganiso esiphezulu esivela kubasebenzisi futhi azikho iziphazamisi.
Tshala Kwezemfundo
Ukonga kwakho kanye nokutshala imali kwakho kwabafundi nakho kungasebenzisana nomkhakha wezemfundo. Ungatshala emfundweni yakho! Thatha ithuba lanoma yiziphi izinsiza zekolishi lakho, njengezifundo zezezimali zamahhala noma amakilabhu okutshala imali. Isibonelo, ungajoyina iklabhu yokutshala imali noma into efana nale. Inketho enjalo ikuvumela ukuthi uthole kubatshalizimali abanolwazi futhi uthole ulwazi lokuphatha iphothifoliyo enengqondo.
Ukuze uthole imininingwane ebalulekile ekwenzeni izinqumo ezifanele zokutshala izimali njengoba ulungiselela ukuya ekolishi, iya ku-www.honorsociety.org.
Thenga ku-inthanethi
Elinye ithiphu lezezimali lihlobene kancane nokutshalwa kwezimali. Kufanele ucabangele ukufunda indlela yokutshala imali ngosizo lwe-inthanethi enamandla kakhulu. Kuningi ukusingathwa kwewebhusayithi yamahhala kubafundi uma bedinga ababhali abathuthukile ukuze baxazulule izinselelo zabo ezinkulu zokufunda.
Inkundla efanele inikeza usizo olusheshayo nolunekhono. Izintengo zayo ngokuvamile zilungile ukuhlangabezana nesabelomali somfundi ojwayelekile. Ngaphandle kwalokho, ungalungisa intengo ngokuya ngamathuba akho ezezimali. lawula kuze kube yilapho ibhidi ivumelana nephakethe lakho. Ngakho, ngeke ukhokhe ngokweqile. Ama-ejensi wangokwezifiso ngokufanayo anikeza izaphulelo ezinhle zabafundi. Ngenxa yalokho, ungakwazi ukonga imali yakho eyengeziwe. Vele wenze ucwaningo olujulile ukuze uchaze inketho ethembekile yokuthola usizo lwekhwalithi ephezulu futhi ungalokothi ukhokhe kakhulu.
Nokho, kungenye yezinketho ezingenzeka. I-inthanethi inikeza amasayithi amaningi ahlukahlukene kanye nezitolo eziku-inthanethi ezinikezela ngezintengo ezibeka engcupheni. Ngokuvamile, izinqubomgomo zabo zamanani zishibhile uma ziqhathaniswa nezitolo ezivamile, ezibonakalayo. Baphinde banikeze izaphulelo ezikhangayo. Kuhlala kungcono ukuthenga ku-inthanethi.
Qaphela ukuthi nawe ungenza okuthile mahhala. Imvamisa, kunezindawo ezahlukahlukene zemfundo nezingenzi nzuzo ezisabalalisa izinto eziwusizo phakathi kwabafundi. Ungafunda izincwadi zakamuva, izindatshana zesayensi, nezinye izinto ezifanayo ngaphandle kokuzikhokhela.
Ukuchaza Amazwi Okuhlakanipha
Ukutshala izimali zabafundi kuyingxenye ebalulekile yokwakha ikusasa lezezimali elivikelekile. Akufanele nanini usheshe uma kuziwa kunoma yikuphi ukusebenza ngemali. Thatha isikhathi sokutadisha ngokucophelela zonke izimo, sebenzisa umeluleki ochwepheshe, zama umeluleki we-robo, gwema izingozi eziphezulu, futhi ngokuqinisekile uzothola izindlela eziphumelela kakhulu zokuzuza futhi ungalokothi ulahlekelwe yimali.
imibuzo ejwayelekile ukubuzwa
1. Kungani kubalulekile ukwenza ukukhetha okufanele lapho ulungiselela ukuya ekolishi?
Ukwenza izinqumo ezifanele zokutshala imali lapho ulungiselela ukuya ekolishi kubalulekile ngoba kungaba nomthelela ekhonweni lakho lokukhokhela izifundo, igumbi kanye nebhodi, nezinye izindleko. Kungase futhi kube nomthelela wezezimali wesikhathi eside, njengokuthinta ikhono lakho lokukhokha imali ebolekiwe yabafundi futhi uzuze ukuzinza kwezezimali ngemva kokuphothula iziqu.
2. Yiziphi ezinye zezinketho zokutshala imali ezitholakalayo zokonga ekolishi?
Kunezinketho ezihlukahlukene zokutshala izimali ezitholakalayo zokulondoloza imali yasekolishi, okuhlanganisa izinhlelo ezingu-529, ama-Akhawunti Wokulondoloza Ezemfundo we-Coverdell, Izipho Ezifanayo Eziya Kubantwana Abancane (UGMA) noma ama-akhawunti Wokudluliselwa Okufanayo Kwabantu Abancane (UTMA), kanye nama-akhawunti we-Roth IRAs. Ngayinye yalezi zinketho inezici zayo ezihlukile, izinzuzo, kanye nemikhawulo.
3. Ngilithola kanjani inani lemali engiyidingayo ukuze ngiyonge ekolishi?
Ukuze unqume inani lemali oyidingayo ukuyongela ekolishi, kufanele ucabangele izindleko ezilinganiselwe zokuba khona, umnikelo olindelwe womndeni wakho, nanoma yiluphi usizo lwezezimali noma imifundaze ongayithola. Kubalulekile futhi ukubamba iqhaza ekukhuphukeni kwamandla emali futhi uqale ukonga kusenesikhathi ukuze uzinike ithuba elingcono kakhulu lokufinyelela imigomo yakho yokonga.
4. Ngingakwazi yini ukushintsha ukukhetha kwami kokutshala imali uma sengiqalile ukulondolozela ikolishi?
Yebo, ungashintsha ukukhetha kwakho kokutshala imali uma usuqalile ukulondolozela ikolishi. Nokho, kubalulekile ukucabangela ngokucophelela noma yiziphi izinguquko kanye nomthelela wazo ezingaba khona emigomeni yakho yokonga, kanye nanoma yiziphi izinkokhelo noma imithelela yentela ehlobene nokwenza izinguquko ezinqumweni zakho zokutshala imali.
5. Ngingaqinisekisa kanjani ukuthi ukukhetha kwami ukutshala imali kuhambisana nezinjongo zami zezezimali zesikhathi eside ngale kwekolishi?
Ukuqinisekisa ukuthi ukukhetha kwakho ukutshalwa kwezimali kuhambisana nezinjongo zakho zezimali zesikhathi eside ngale kwekolishi, kufanele ucabangele ukubekezelela kwakho ubungozi, umugqa wesikhathi wokutshala imali, kanye nohlelo lwezezimali lulonke. Kubalulekile ukuthi ubuyekeze njalo iphothifoliyo yakho yokutshala imali futhi ulungise isu lakho njengoba kudingeka ukuze likusize ufinyelele izinjongo zakho zezezimali zesikhathi eside. Ukufuna iseluleko sikachwepheshe wezezimali nakho kungaba yinzuzo ekuthuthukiseni nasekusebenziseni isu eliphumelelayo lokutshala izimali.