Iindlela ezi-5 zeeNgxowa-mali zakho zabafundi zibuhlungu kunye nendlela onokuzifumana ngayo

Imboleko yakho yomfundi ingaba nefuthe elibi kwikamva lakho . Isixa onetyala singenza kube nzima ukuqhubela phambili kwaye uqale ukucwangcisa ikusasa lemali. Ngokutsho kweTicas.org, abafundi beekholeji baphumelela ngemali engama-28,956 kwiimali-mboleko zabafundi. Le nani inokuphakanyiswa ukuba uye kwiikholeji yangasese okanye ukuba awufanelekanga kwezinye iindidi zoncedo ngenkxaso esikolweni.

Kungabangela ukukhubazeka ukuba netyala lemali-mboleko yemfundo, ikakhulukazi ekubeni imisebenzi eminqanaba eminyango yokungena ayihlawuli imali eninzi. Nazi iindlela ezintlanu iimali-mboleko zomfundi wakho ezinokukulimaza nento ongayenza ukulawula iimboleko zakho zabafundi .

Amatyala kwiRatio yeNgeniso

Imali mboleko yakho yomfundi inokuchaphazela ityala lakho kwinani lentlawulo . Lo ngumlinganiselo oqikelela ukuba ingakanani imali engenayo ithathwa yintlawulo yematyala. Ababolekisi baya kujonga kule nto ukugqiba ukuba ufanelekile yini kwimali-mboleko yemoto okanye imali yokuboleka imali. Ukuba umlinganiselo wakho uphakeme kakhulu ungeke ukwazi ukufumana imboleko. Enye inokwenzeka kukuba unako ukufumana iimali-mboleko, kodwa kwizinga eliphezulu lomdla.

Ukunciphisa Amandla Akho Okuthatha Izingozi

Ukuba uyazi ukuba ubeke iintlawulo zenyanga, uvumelekile ukuba ungabi nasesikweni sokuthatha ingozi oyifunayo kwimashumi amabini. Unokugqiba ukhetha inkampani ezinzile kunokuba uqalise ngamathuba amakhulu okukhula ngenxa yokuba ufuna ukuzinza ukukunceda ukuhlawula iintlawulo zakho.

Kungaba nzima ukuthatha unyaka ukuhamba xa usadinga ukuhlawula inyanga zonke. Xa unesiboleko somfundi esikhankanywe ngentloko yakho, ungadlulela kumathuba amaninzi anokukunceda.

Ukwenza kube nzima ukuthenga ikhaya

Abaninzi abaphumelele kwiikholeji zakutshanje bayeka ukuthenga ikhaya kuba abafuni ukuthatha ukuzinikela okungeziwe kunye neengxowa-mali zabafundi ezixhomekeke kwiintloko zabo.

Kungaba nzima ukunceda ukuhlawula imali yokubeka indlu, echaphazela ukuba unako ukuchitha imali ekhaya. Ukongezwa ngamatyala aphezulu ukuya kwiingqinisiso zengeniso, kunokuba nzima ukufumana imali.

Ukususa ixabiso onokuligcina ngokuhlala phantsi

Enye yezindlela ezinkulu zokubolekisa ngemali mboleko ziyakuchukumisa ukuba ungakanani umlinganiselo wokugcina umhlalaphantsi. Ukuba awukwazi ukuhlawula iintlawulo zemboleko zomfundi wakho, ngoko unokuba nexesha elinzima uncedisa kakhulu umhlalaphantsi. Nangona kunjalo, ukuba ubeka imali engaphezulu kwiakhawunti yomhlalaphantsi ngokukhawuleza xa uqala ukusebenza, uya kufumana ukuba ukugcina kwakho ukuqala ukwakha ngokukhawuleza njengoko umdla oyifumanayo uqala ukongeza ngaphezu kwenyanga nganye kuneminikelo yakho.

Fumana uLwawulo lweeNgxowa-mali zakho zabafundi

1. Qala ngokudala uhlahlo lwabiwo-mali oluya kunceda ukubeka phambili imali yakho ukuze uhlawule imali yakho ngokukhawuleza. Uhlahlo lwabiwo-mali kunye necebo lokuhlawula ityala linokukunceda ugxilise imali yakho kwaye wenze kube lula ukuqhubela phambili. Ngokukhawuleza ukuphuma kwetyala, ngokukhawuleza unokuqala ukusebenza kwezinye iinjongo zakho zobomi. Uhlahlo lwabiwo-mali lunokukunceda ukuba ubone iinkalo apho ungayinqanda khona. Kulula ukunciphisa iindleko xa uqala ukuphumelela kwiikholejini kwaye usetyenziswe ukuba uhlupheke.

1. Sebenza ukuze ufumane imali eyongezelelweyo ukubeka ityala lakho kwinyanga nganye . Oku kunokuthetha ukuthatha umsebenzi wesibini ukuze ukwazi ukuhlawula imali ngokukhawuleza. Kwakhona kunokuthetha ukunciphisa izinto ongazifunayo njengobulungu bokuzivocavoca okanye iholide. Enye indlela ongayifumana ngayo imali ukubeka iibhonasi zakho kunye nokubuyisela imali yerhafu kumfundi wakho, onokukhawulezisa ukuba kuthatha ixesha elide ukulihlawula.
2. Fumana iinkqubo ezinokukunceda ukulawula iintlawulo zakho . Ukuba ufumene kwiimeko ezinzima, unokufuna ukujonga kwiintlawulo ezisekelwe kwiingeniso okanye ucinge ngokusebenza kwiprogram enika uncedo ngemali mboleko yakho. Ukuba unokumisela ukuchitha imali kwiminyaka embalwa, unokumangaliswa ukuba ungakhokha njani ityala ngokukhawuleza.