Funda iindlela ezili-10 uhlahlo lwabiwo-mali luya kutshintsha xa unabantwana.
Iindleko zokuNakekela abantwana
Iindleko zokunakekelwa kwamasango zibiza. Ihluka ngokubanzi kuxhomekeke apho uhlala khona. Ukuba uceba ukuqhubeka usebenza emva kokuba unomntwana, kuya kufuneka ucebise iindleko zokunakekela abantwana. Ukuba uceba ukuba nomzali omnye ahlale ekhaya, uya kufuneka uhlengahlengise uhlahlo lwabiwo-mali ukuba luyenze ukungabikho kwemali engenayo. Emva kokuba unabantwana ababini, awukwazi ukwenza ngokwaneleyo ukulinganisa iindleko zokusebenza uze ubuyele esikolweni.
Iindleko zonyango
Uya kufuneka ucebise iindleko zonyango ezongezelelweyo. Amalungiselelo amaninzi aya kubhala ngokutyelelwa kwabantwana phantsi koMthetho wokuNakekelwa ongenakuncedo. Nangona kunjalo, iintsana zixhomekeke kwizifo zobuntwaneni kwaye kubalulekile ukuhlawula imali eyongezelelweyo yokuya eofisini kunye neyeza. Ukuba kukho ukunyamezela, ungagqiba ukuhlawula ngaphezulu i-formula okanye ungadinga iinkonzo ezongezelelweyo okanye unyango ukuba kukho iingxaki.
Ukwakha umkhombe kunokukwenza ukulawula ezi ntlawulo zilula.
Iintshorensi
Ngokuqhelekileyo inketho enokuthethelela kukuba ukongeza umntwana wakho kwi- inshorensi yempilo yakho. Unemihla engama-30 ukususela ngomhla wokuzalwa komntwana ukuba wenze oku kwaye ufumane yonke into ekuzalweni. Ngowokuqala okanye kubantwana bakho, ngokuqhelekileyo kuthetha ukuba indleko ye-premium yenyanga iya kunciphisa inani lakho lokuthatha umvuzo wekhaya.
Unokulinganisela i-paycheck yakho entsha usebenzisa i-calculator ye-intanethi ukuze ulungise uhlahlo lwabiwo-mali.
Ukugcina iKholeji
Emva kokuba unomntwana, ufanele uqale ukubeka eceleni imali yokujonga iindleko zekholeji. Ukuphuma kwetyala kunokubaluleka ngaphezu kwexesha elifutshane, kodwa ukugcina iikholeji ngokusebenzisa isiqulatho se- 529 okanye isixhobo esifanayo sinokukunceda umntwana wakho ahambe ekuqaleni kwesiqalo ngaphandle kokuqokelela amatyala amaninzi. Xa ubeka eceleni, kunye nokuqala, uqala, ngakumbi uya kugcina.
Iimfuno Zomshuwalense Wobomi
Emva kokuba uqale intsapho kubalulekile ukuba ube ne-inshorensi yobomi. Bobabini abazali kufuneka babe nenkqubo yomshuwalense wobomi kwindawo yokuncedisa iindleko ukuba omnye wenu uza kufa. Nangona ungasebenzi, kufuneka ube nenqubomgomo yomshuwalense wobomi ukuze uncede ulahle iindleko ezongezelelweyo zokunakekela abantwana. Unokufumana umgaqo-nkqubo omkhulu ngokwaneleyo ongayisebenzisa inxalenye yayo ukuze uhlawule iindleko zekholeji.
Tshintsha kwiiThafu zakho
Kukho iinzuzo zerhafu zokuba nomntwana. Unokubanga umntu ongezelelweyo kwerhafu. Ungakwazi kwakhona ukubiza inxalenye yeendleko zokunakekela abantwana kwaye usebenzise iNkcazo yeNtlawulo yabantwana. Xa unomntwana, unokufuna ukutshintsha inani elibambelayo kwisheke. Sebenzisa i-IRS yokubamba i-calculator ukuqinisekisa ukuba kufuneka utshintshe imali oye uyenqatshelwe okanye uxoxe ne- akhawunti yakho .
Lungisa i-akhawunti yakho ye-akhawunti ye-Flexible
Ukuba umsebenzi wakho unikezela nge-flexible account account, kufuneka usebenzise inzuzo. Unako ukufumana imali eyongezelelweyo ekhuselekile ukufihla indleko zeendleko zonyango. Wena kunye nomlingane wakho unokwenza oku okusemsebenzini, kwaye kuya kwenza ezinye iindleko ziphume phambili. Ukongezelela, unokwandisa inani lemali kwi-akhawunti yakho yokuchithwa kwemali eguquguqukayo ukuze uhlawule iindleko zonyango ezongezelelweyo.
Utshintsho lwezindlu
Xa unomntwana, ekugqibeleni uya kufuna enye indawo. Xa abantwana bakho befunda isikolo, unokufuna ukufuduka ukuze uqiniseke ukuba basesithili esikolweni esihle, esisoloko sithetha ukuthuthela kwindawo ebiza kakhulu. Thatha ixesha ngoku uceba izindleko ezongezelelweyo ezibandakanyeka ekubeni nomntwana kwaye ubone ukuba ungakanani ukukwazi ukuchitha indlu entsha.
Ukuguquka kweendlela zokuphila
Kukho iindleko ezongezelelweyo kunye neenguqu zokuphila eziya ku funeka ziphendule.
Izinto ezinjengokuthatha iholide okanye ixesha elichitha ixesha kwizinto zokuzilibazisa liya kutshintsha. Ezinye iindleko ziyimali nje yokuba unomntu ongezelelweyo ngomzekelo ukuthenga ithikithi eyongezelelweyo yendiza xa uhamba eholide okanye ukutya okongeziweyo xa uphuma ukuyodla. Unyaka wokuqala olo tshintsho lunokuba luncinci, kodwa kubalulekile ukuyiceba.
Utshintsho kwiBhajethi yakho
Uhlahlo lwabiwo-mali luyakushintsha ngokukhawuleza njengoko uceba ngeendleko zenyanga zongezelelweyo njengezinto zokutya kwabantwana, ifomula kunye ne-diapers. Ezinye iindidi zingadinga ukwandisa ngokunjalo, ezifana nezindleko zokuzonwabisa okanye zokuzonwabisa. Njengoko abantwana bakho bekhula, ungakhetha ukubhalisa kwiiklasi nakwizemidlalo ezingabakhokhela imali eyongezelelweyo kwaye uya kufuneka ukuba uhlahlole imali. Ukuthatha ixesha lokuqalisa ukulungiselela ezo zinto ngoku kuya kwenza kube lula ukulungiswa njengoko abantwana bakho bekhula.