Qaphela ukuba luhlobo luni lweTyala oLithwalayo
Njengabafundi beekholejini baqala olunye unyaka weeklasi, kukho esinye isifundo esibalulekileyo kuwo wonke umntu: Indlela yokusebenzisa ityala ukufezekisa iinjongo. Amatyala angaba kuhle, kodwa angasonakalisa. Xa kucetywayo kwaye isetyenziselwa ukuthenga enkulu njengemoto okanye ikhaya, ityala linokukunceda ukusabalalisa iindleko zokuthenga ixesha elide. Xa isetyenziswe ngokungafunekiyo ngaphandle kokujonga indlela ukuhlawulwa kwemali eya kwenziwa ngayo, ityala linokuthi lenze i-pall enkulu ebomini bakho.
Iyakuchaphazela zonke izigqibo zakho zemali, kwaye ushiye uziva uzixinzelelekile kuzo zonke iifowuni kunye neeleta.
Kubafundi bekholeji, ezinye iitalato ngendlela yemboleko yezikolo zingenakunqandwa, kodwa kuyafaneleka ukuba zihlakaniphe malunga nokuqikelela ukuba kuthatha ityala elingakanani. Emva kokuba ubheka iindleko zokuya kwiikholeji yakho ekhethiweyo, kwaye ususa nayiphi na inkxaso yezemali yekholeji nabafundi abaye bakwazi ukuyifumana, unokufumana ukuba kwakukho "isamba semali" esiya kuhlawulwa. Unokuthi uzalise isahlulo semali yegalelo kunye neminikelo evela kubazali okanye kwikholeji yakho yentsapho. Kufuneka uphinde ucinge ngokuphanda ukhetho lokusebenzela umsebenzi wesikolo okanye ukhethe umsebenzi ongasecaleni okanye uqeqesho lokufundela izifundo. Ekugqibeleni, usenokufumana ubuchule ngokusebenzisa iphulo lokuxhaswa ngezimali usebenzisa i-GoFundMe okanye i-CollegeBacker.
Nangona kunjalo, ukuba isithuba sisahlala, ungadinga ukuqwalasela imali ekubolekeni imali.
Ngokuqhelekileyo le mali iza kuza kwifom ye mboleko yomfundi okanye ityala lekhadi lesikweletu. Ukuqwalasela ukubaluleka okuqhubekayo kwemfundo kunye neempembelelo zakho zexesha elizayo, ukusebenzisa ityala ukuxhasa ngemali yakho inokuba yindlela enkulu yokutshala imali kuwe-kodwa kuphela xa uyilawula ngokuchanekileyo. Funda ukungafani phakathi kwezi ntlobo zokuboleka ukuze wenze izigqibo zemali ezihlakaniphile ngoku kunye nokugqiba.
- Isikolo-mboleko semali- mboleko ye-Federal Student : Le nto ibhekwa njengoluhlobo lokuqala lwetyala omele uzuze ukuzalisa inani lemali, kodwa usacinga ukuba uqaphele malunga nemali oyibolekayo kwikhosi yakho. Mboleka imali efunekayo ukuze uhlawule iindleko zekholejini, kwaye ungakhangeli kule mali njengoluhlobo lwe "slush fund" ukugubungela iindleko zakho zemihla ngemihla. Qaphela ukuba wena okanye ngabazali bakho baya kuba noxanduva lokubuyisela le mboleko phantsi kwendlela. Khangela ukuba umdla unyaka okanye awukho ngelixa usekholeji. Nangona bahlala benemivuzo enomdla, iintlobo ezahlukeneyo zokukhokha, kunye namathuba athile okubolekwa kwemali mboleko, banokuhlala kunye nani ixesha elide xa ungenzi iintlawulo zakho. Ngenxa yokuba zibandakanya urhulumente wesigqeba, ukungaphumeleli ukuhlawula kungabangela ukulungiswa kwemvuzo okanye ukuchithwa kwemali yentlawulo yerhafu yephondo.
- Amatyala kaMboleko weMali weBanga loBucala: Ukuba iimali-mboleko zemfundo zomfundi ezingasigqubuthelanga isixa semali, unokufuna ukubheka iimboleko zemali ezizimeleyo ezivela kwiibhanki, imibutho yamatyala okanye ababolekisi bamashishini abucala. Uninzi lwazo lukhuphiswano, kodwa lugxininise ingqalelo kwiimirhumo kunye neerhafu zentlalo, kwaye ubone ukuba ingaba umdla uyakha ngexesha lakho kwikholeji. Unokuba neenketho ezimbalwa zokuhlawula ekugqibeleni kunokuba zifumaneke ngemali-mboleko yomfundi. Amaqhinga okuqokelela ukungahlawulanga angaba yinto enobugwili, kodwa ngokuqhelekileyo aquka ukulungiswa kwemvuzo okanye ukubuyiswa kwembuyekezo.
- Ityala leKhadi leMatyala: Nceda ungenzi i-kholeji yomntu oqhelekileyo ukuphutha ukuthabatha amakhadi enkredithi kwaye uyisebenzise ngaphandle kokucinga ngemiphumo yexesha elide! Inzala iqalisa ukunyuka ngokukhawuleza kwaye ihlala iphezulu. Iintlawulo zifunwa ngokukhawuleza, kwaye azikwazi ukuchazwa kude kube sekugqibeleni. Uninzi lwabafundi beekholeji abanalo umthombo ongenako wokufumana inkokhelo kule makhadi e-credit card, kwaye uqala ukuwa emva kwangoko.
Ityala kufuneka lisetyenziswe kuphela ukufumana injongo xa uqikelele yonke inkqubo ngokucokisekileyo. Bala ukuba le nkcitho iya kuba yindleko kangakanani ekuhambeni kwexesha, kwaye wenze isigqibo esinolwazi malunga nokuhamba phambili.