Amanqanaba ematyala Phakathi kweengxaki ezinkulu kunazo zonke abafundi
Abafundi beKholeji bajamelana nezigqibo ezininzi zemali ezinzima. Njengomdala omdala kufuneka bafumane indlela yokuhlawula iikholeji, ukufumana imali ethile, kwaye ufumana imfundo efanelekileyo. Lo myalelo omude kunoma ubani, ngoko akumangalisi ukuba abafundi abaninzi beekholeji baphela benza iimpazamo zemali ezibizayo. Ngelishwa, ezi mpazamo zinokubangela umonakalo ogqithisileyo kwiminyaka emininzi, ngoko uqinisekisa ukuba imali yakho ilandelelana nje ngokuba umfundi wekholeji unokuhamba ixesha elide ekuncedeni ukuba uqale kakuhle emva kwesikolo.
Inkcazo yeMali yeKholeji yoMfundi # 1: Ityala leKhadi leMatyala
Amakhadi esikwereti abe yindlela yokuphila. Benza ukuhlawula izinto ezilula kakhulu kwaye ngamakhadi amaninzi anika iinkqubo zembuyekezo okanye imali elula emva koko kulula ukubona isibheno sabo. Ingxaki kukuba isibheno sivame ukugxininisa ukungaphumeleli. Amakhadi amaninzi anemilinganiselo ephakamileyo yamanqanaba , imiqathango engavumelekanga, kwaye avumele abafundi bachithe imali engaphezulu kunokuba banako. Enyanisweni, ukuba ufumana umkhwa wokuhlawula kuphela intlawulo encinci inyanga nganye unokuba unamathela ukuzama ukuhlawula ikhadi iminyaka engaphezu kweyishumi!
Gcina ukhumbule ukuba amakhadi enkoleko angadlala indima ebalulekileyo ekumiseni imbali yakho yekhredithi , ngoko oko akuthethi ukuba makhadi amakhadi kufuneka agwenywe. Endaweni yoko, makhadi amakhadi kufuneka asetyenziswe ukunceda ekwakheni imbali yesikweletu esomeleleyo kwaye ibhalansi iyahlawulwa ngokupheleleyo ngenyanga. Oku kuya kukuvumela ukuba uqokelele umvuzo okanye ufumane imali emva kokuba ungajongani neendleko zemali kunye nexesha elide lokuhlawula.
Inkcazo yeMali yeKholeji yoMfundi # 2: Ukutshabalalisa i-Credit Score yakho
Ngethuba sisezihloko zamakhadi-mboleko kubalulekile ukugqamisa iingozi eziza kukungena kumatyala ekhadi lamatyala . Uninzi lwabafundi beekholeji baphela ngokugqithiseleyo imbali yabo yematyala ngokwenza izigqibo ezimbalwa ezimbi. Khumbula, iintlawulo ezingekho phantsi okanye ezinye iimpawu ezimbi ziza kuhlala kwimbali yakho yeebhanki iminyaka eyisixhenxe kwaye uhlasele amanqaku akho .
Ewe, iminyaka eyisixhenxe! Leyo ntlawulo emva kwexesha oye wabuya ekolishile iya kukukhathaza iminyaka emva kokuba uphumelele kwaye uzama ukuboleka imoto entsha okanye ukuthenga indlu.
Musa ukuzikhathalela ngemali yakho nje ngokuba ukholeji. Kulula ukwenza impazamo, kodwa uqaphele ukuba ezo mpazamo ziyakubonakalisa ixabiso kakhulu nangona kamva ebomini. Ukuba uya kusebenzisa amakhadi enkoleko okanye ezinye iimali-mboleko nje qinisekisa ukuba wenze iintlawulo zakho ngexesha kwaye ungangeni kwi-intloko yakho.
Inkcazo yeMali yaseKholeji yeMali yeNgxowa # 3: Ukungabikho kohlahlo lwabiwo-mali
Ingaba umfundi wekholeji ufuna ngokwenene ukwenza uhlahlo lwabiwo-mali? Uyabheja! Enyanisweni, le ngenye yezihlandlo ezibalulekileyo ukuqala uhlahlo lwabiwo-mali. Njengomfundi kulula ukuyifumanisa xa ungenayo imali yokuboleka imali, abantwana bayondla, okanye ezinye iingxakeko zemali. Ingxaki kukuba abafundi bahlala benomvuzo ophantsi okanye othotyelwayo kwaye xa ungayilandeli le ntlawulo ngokuchanekileyo kulula ukuchitha imali kwizinto onokuzigcina uzigcine.
Qala ngokudala ibhajethi elula . Akuthathe ixesha elide, kodwa ukuba uthatha ixesha lokuhlalutya ingeniso yakho kunye nalapho uchitha imali ungayifumana ingcamango engcono yendawo apho imali yakho iya khona nalapho ungayinqumla khona. Emva kwakho konke, ukuba ugqiba ukuchitha imali engaphezulu kunokuba ungene kuyo unokugqitywa ngeengxaki ezingaphezulu kwelokuba unetyala lekhadi lesikweletu kwaye mhlawumbi uchitha inkokhelo yakho.
Inkcazo yeMali yeKholeji yeMali yaseKholeji # 4: Ukusebenzisa imali yeNgxowa-mali yomfundi ngokungafanelekanga
Abafundi abaninzi kufuneka bathembele kwimali-mboleko yabafundi, kwaye oko kulungile. Ikhosi yeeKholeji ikhuphuke ngokuphawulekayo kwiminyaka yakutshanje ngoko kunzima ukugcina ukuba abazali bakho abanakukunceda kakhulu. Ukuba iimali-mboleko zisetyenziselwa iindleko zesikolo yinto enye, kodwa ngokuqhelekileyo abafundi baya kusebenzisa enye yale mali ukuthenga izinto ezingabalulekanga esikolweni.
Ukusebenzisa imali ethile yemali-mboleko yomfundi ekuxhaseni uhambo lokuphumla eMexico kunokwenza ixesha elihle, kodwa konke okwenzayo kukuzilimaza ngokumba umgodi ojulile oya ku funeka ukhuphuke emva kokuba uphumelele. Abafundi abaninzi bacinga ukuba iimali-mboleko zabafundi ziya kuba lula ukuhlawula emva kokuba ziphumelele kwaye zenze umsebenzi omhle, kodwa izinto azihlali zihlala njalo.
Ngoko ke, ukuba usebenzisa imali yemboleko yomfundi ngokufanelekileyo, unokuqiniseka ukuba uthabatha nje ityala elinjalo njengoko ufuna ukufumana imfundo oyifunayo.
Inkcazo yeMali yeKholeji yoMfundi # 5: Ukufikelela kwiKholeji ebiza kakhulu
Ngaba igama le sikolo kwidiploma yakho liyabaluleke? Kwezinye iimeko ngokuqinisekileyo. Kwezinye iimeko, akunjalo. Abafundi abaninzi banamaphupha okuya esikolweni esiphambili okanye ekhanda ngaphandle kwelo xesha, kodwa oku akunokuba yisona sigqibo sezimali. Ngezinye idigri kungabandakanyekanga apho idigri yakho ivela khona ngoko ukuchitha i-$ 100,000 eyongezelelweyo kwi-degree yesine ingaba yinto engcono kakhulu yokusetyenziswa kwemali.
Enye inketho kukuya kwisikolo esingabizi kakhulu kunyaka wakho wokuqala okanye ezimbini uze uthumele. Oku kukuvumela ukuba ulondoloze imali kunye nexesha elininzi lokwakha imali eyongeziweyo yokuncedisa ukuhlawula lonke iqondo lakho. Ngoko, phambi kokuba ubhalise kwisikolo sakho sephupha ongenakukwazi ukuthenga, kuthathe ixesha lokuqwalasela ezinye iinketho uze ubone ukuba ufuna ngokwenene ukuba uye esikolweni ukuze ufumane umsebenzi ofanayo okanye ukuba unako ukufumana isikolo esisiseko esenziwa kunyaka wakho wokuqala okanye ezimbini ngaphambi kokutshintshwa. Ingagqiba ekubeni yi-savings-figures-6 okanye ngaphezulu.