Khetha iinjongo ezilungileyo kuwe, uze uqalise!
Xa kuziwa ekuhlawuleleni ikholeji, ekuqaleni uqala, bhetele. Kodwa ukuqaliswa kungabonakalisa. Iindleko zeekholeji zikhulayo-kulindeleke ukuba ziphindwe kabini kwiminyaka elishumi-ezayo-kwaye kukho enye indawo engaziwayo ukuyihlela. Yunivesithi yoluntu okanye yabucala? Emazweni okanye ngaphandle kobuso? Ngaba umntwana wakho uya kuzuza i-scholarships? Kuthiwani malunga nesikolo esikolweni?
Ngenhlanhla, awudingi ukwazi iimpendulo kuzo zonke le mibuzo ukuqala ukugcina.
Nazi zimbalwa zezicwangciso ezincedo kakhulu zokugqiba ubuninzi bokugcina kwiikholeji.
1. Khetha iinjongo zokugqibela
Enye yezindlela eziqhelekileyo zokusekela injongo yokulondoloza isekelwe kwiindleko ezicetywayo zekholeji. Kunceda ukuqala ngokusebenzisa enye yababalawuli ngaphandle apho ukukunceda ukuba uqikelele iindleko zekholeji kumntwana wakho, ngokusekelwe kwizinto ezinjengexesha lomntwana wakho, uhlobo lwesikolo okulindele ukuba umntwana akho aye kuzo, kwaye ukunyuka okulindelekileyo kwiindleko ye kholeji. Kufuneka ujonge kwakhona ukuba kukho isikolo esithile esazi ukuba umntwana wakho ufuna ukuya kuzo.
Ukutshatyalaliswa kwesitampu esincinane? Iindaba ezilungileyo kukuba ukuba uyasindisa kwi-state-state, ngaphandle kwe-state, okanye ngasese, akudingeki ukuba uceba isamba sonke.
Abacebisi abaninzi bezezimali bancomele ukugcina malunga neyesithathu kweendleko zeekholeji, kunye nethemba lokuba abanye baya kuvela ekuncedeni ngemali, ukufundiswa kwemali, kunye nomzali wangoku kunye / okanye umvuzo wemfundi (umzekelo, ukufundelwa komsebenzi).
Oku kungenza injongo yokugcina iikholeji ivakale ngakumbi kwaye ifikeleleke.
Makhe sithi ngomzekelo, ukuba umntwana wakho wazalwa ngo-2017 kwaye ulungele ukuqala ukugcina ngoku (okuhle kuwe!) Ukuze uhlawule i-⅓ izindleko ezicetywayo zekholeji, injongo yakho yokugqibela ingaba ngu-73,700 zama- iyunivesiti yombuso, i-116,800 zama-dollar kwisikolo sikarhulumente, isikolo esingaphandle kwesikolo kunye ne-145,100 yezikolo kwiikholeji yangasese.
2. Hlela iNjongo yeNyanga eyiyo yoNcedo lwakho lokuSindisa
Ngaba kunzima kakhulu ukucinga umgomo wokuphela, iminyaka ukususela ngoku? Cinga ukuyibuyisela kwimali yenyanga yenkxaso. Khawukhumbule ukuba indlela oyigcina ngayo iya kuba nefuthe elikhulu ekutheni ungalondoloza kangakanani ixesha lakho umntwana eqala ikholeji.
Iingcali ezininzi zincoma ukusebenzisa iplani yokulondoloza iikholeji ka-529 , i-akhawunti yokutsalwa kweentlawulo ezithatha irhafu esebenza njengeRoth IRA kwiikholeji. Isicwangciso se-529 sinikela ukukhula kerhafu kunye nokuhoxiswa kweendleko zemfundo ephakamileyo ezifanelekileyo, ezibandakanya ukufundiswa kunye neerhafu, igumbi & ibhodi, iincwadi, iikhomputha kunye neendleko zemfundo ezizodwa.
Oku kuthetha ntoni kuwe? Ukukhetha isicwangciso se-529 kunokuthetha ityala elingaphantsi kwenyanga, kuba imali ikhula ngaphezu kwexesha. Ngesicwangciso se-529, iminikelo ecetywayo yenyanga yomntwana owazalwa ngo-2017 yayiza kuba malunga ne-$ 165 kwisikolo sikarhulumente kwisikolo sikarhulumente, i-$ 260 yomntu-ngaphandle, okanye i-$ 325 yeyunivesithi yangasese.
Ukuba unenjongo yokugcina usebenzisa i-akhawunti yokugcina imali okanye i-akhawunti yokutsalwa kwentela, uya kufuna ukulungelelanisa igalelo lakho ngenyanga. Ngokomzekelo, umyinge wamanani omyinge wamanje kwi-akhawunti yokulondoloza i-0.06 yeepesenti APY.
Ngelo nani, kwi-akhawunti yokulondoloza, kufuneka ube negalelo malunga ne-300 ngeenyanga iminyaka eyi-18 ukuhlawula i-1/3 iindleko ezicetywayo zoluntu, kwiikholeji zaseburhulumenteni, malunga ne-$ 500 kwi-out-of-state, kwaye malunga needola ezingama-600 ngenyanga ngeyunivesithi yangasese.
Phantse kabini ukulondoloza okufunekayo kuthelekiswa no-529 !
Ukusebenzisa i-akhawunti yerhafu yokutyalomali ingabangela ukubuyisela okungcono kwi-savings yakho. Ngokomyinge we-7 ekhulwini ukubuyela, igalelo lenyanga malunga ne-$ 190 liza kubandakanya iindleko ezicetywayo ze-yunivesithi yombuso, i-$ 300 kwi-out-of-state, okanye malunga ne-$ 390 kwiikholeji yangasese. Nangona kunjalo, uya kulahleka kwii-529 zeerhafu zokuxolelwa kweerhafu kwizabelo kunye neenzuzo.
3. Nquma ngokusekelwe kwizinto onokuyenza
Ekugqibeleni, unokubeka isicwangciso sokulondoloza ngenyanga kwiikholeji ngokusekelwe kwintsapho yakho enokuyenza. Le ndlela yindlela enhle ukuba akukho ndawo eninzi yokubeka ibhajethi yakho.
Ngokuqinisekileyo, oko kufikeleleka kuya kuhluka ngokubanzi ukusuka kwintsapho enye ukuya kutsho. Ukuba awuqinisekanga ukuba yintoni eyenzekayo kwintsapho yakho, zama ukuyiphula phantsi usebenzisa i-Lumina Foundation's Rule ye-formula 10.
Nangona ekuqaleni kwakujoliswe njengendlela yokujonga iikholeji ezifuna ukwandisa ukufikelela kwimfundo ephakamileyo, le formula ingasetyenziswa ngokuqinisekileyo yientsapho. Le ndlela ikhuthaza ukuba iintsapho zihlawule iikholejini zisebenzisa iibhenkethi:
- Iintsapho zilondoloza iipesenti ezili-10 zengeniso yazo yokuqonda;
- Imindeni igcina ixesha eli-10 leminyaka; kwaye
- Abafundi basebenza iiyure eziyi-10 ngeveki ngelixa beya kwiikholeji.
Imali engenayo yengqondo ichazwa ngokuqhelekileyo njengengeniso yerhafu emva kwerhafu, ekunciphiseni zonke iindleko zokuphila ezincinci ezifana nokutya, unyango, izindlu, izibonelelo, i-inshorensi, ukuthutha, njl.
I-Lumina Foundation ithi iinjongo zeenqobo, nayiphina ingeniso engaphezulu kwama-200 ekhulwini lomgangatho wentlupheko womhlaba "ukuqonda." Kwintsapho ye-4 ngo-2017, leyo iya kuba nayiphi na ingeniso engaphezulu kwama-49,200.
Ukulandela le ndlela, intsapho eyenza i-$ 100,000 ngonyaka ingasindisa iipesenti ezili-10 zeedola ezingama-50,800, okanye i-$ 423 ngenyanga. Iminyaka engaphezu kwe-10, loo nto iphantse i-$ 51,000 egcinwe kwikholejini. Ngomfundi osebenza iiyure eziyi-10 ngeveki kwiiveki ezingama-50 ngonyaka kwi-7.25 yemali-mali engaphantsi, i-$ 3,625 eyongezelelweyo, ngenani elipheleleyo lemali eyi-14,500 engaphezu kweminyaka emine.
Ewe, ukuba ingeniso yakho iyanda okanye iyancipha, igalelo lakho linokulungiswa ngokufanelekileyo. Kwaye unako ukwenza le ndlela iqhubeke ngakumbi ngokusebenzisa ithuluzi lokugcina imali elincomekileyo lentlawulo ukukhulisa imali yakho ngexesha.
Ngokomzekelo, ukuba intsapho eneminyaka engama-8 ubudala iqala ukugcina inyanga ye-$ 423 kwiplani yokugcina imali engu-529, loo mali ingakhula ibe ngu-75,300 kwiminyaka eyi-10. Oku kuya kukwanela ukugqithisa i-⅓ yeendleko ukuba iingcali zincoma isikolo sikarhulumente, okanye malunga ne-½ izindleko zeyunivesithi eseburhulumenteni.
Iingcamango Zokugqibela
Nangona kulula ukufumana ukutshitshiswa kwezitifiketi kwiindleko zekholejini, khumbula ukuba imali oyifunayo ukuyigcina ingaphantsi.
Into ebalulekileyo kukuba uqale ngokukhawuleza, kwaye uhambelane nokugcina. Nangona kunjalo, ukuba umntwana wakho usekhulile, ungakhathazeki-ungasindisa imali eninzi ngexesha elifutshane.
Uncedo lwezezimali, u-scholarships, umsebenzi wabafundi, ingeniso yakho ngelixa umntwana wakho ekholejini, kunye neminikelo evela kwintsapho inokunceda bonke ukuba benze abanye.