Yenza isicwangciso sokuhlawula kunye nokusebenza kwesiCwangciso
Vuyiswa! Uphumelele kwiikholejini kwaye ngoku ungumnikazi oziqhenyayo we-diploma, kunye neengxowa zemithetho-mboleko yemboleko . Ukutshintshwa kwabadala kuya kuba yinto enqabileyo, ingakumbi ukuba awuzange ufanele ukhathazeke ngokwenene ngemali yakho ngaphambili. Unokudideka malunga nezinto ozikhethayo, ungaqinisekanga malunga noko ukwenzayo, okanye ukwesaba ukuba awukwazi ukukwenza iintlawulo zakho.
Akukaze kube yinto efanelekileyo ukuzama ukufihla, ukubalekela, okanye ukungawunaki umboleko wakho womfundi ngokupheleleyo.
Uzisebenzisile ukufezekisa injongo yakho; Ngoku lixesha lokuhlawula ibhilikhi. Ukuba awukwazi ukwenza ntoni, isinyathelo sokuqala ukwenza uphando kunye nokuqokelela yonke inkcazelo onokuyenza. Akumangalisi ukuba urhulumente wesigqeba unomdla onomdla ekuqinisekiseni ukuba ubuyisela imali mboleko yakho yomfundi. Ngaloo ndlela, banikezela ubuninzi beenkcukacha zokuncedisa abagqwesileyo abaphumelele kwiikholeji beza ngokuvumelana nemithwalo yabo yemfanelo mboleko. Enyanisweni, banesisibhozo sokuhlawula iindleko zemali zabantwana abafanele ukuba bancede.
8 Iziphakamiso zeNtlawulo yokuBhowula iMali
- Thatha inyathelo ngoku: Musa ukuyihoxisa loo mboleko yomfundi yonke ihlobo ngelixa udidekile, uze usebenze ngokwakho xa uphawula xa izaziso zokuhlawula ziqala ukufika. Kukho izinyathelo onokuzithatha ngoku eziza kwenza ubomi bakho bube lula ngakumbi ekuwa. Funda malunga nezicwangciso zokuhlawulwa kwemali-mboleko yezikolo ukwenzela ukuba ufumane into ehambelana nemeko yakho yezemali. Unako ukukwazi ukuhlawula nto ngexesha elithile, kodwa kufuneka uxoxe nomniki-mboleko wakho ukuze uqinisekise ukuba ufanelekile.
- Fumana i-mindset yebhajethi: Ukuba abazali bakho bakugcina kwisabelomali esomeleleyo kwiikholeji, sele usuyena inyathelo elizayo. Uya kulufuna ezo zakhono ukuze uzuze umvuzo wakho wokubolekisa ngemali mboleko. Beka ndawonye uhlahlo lwabiwo-mali lwenkcitho yakho eqikelelweyo kunye neendleko zokuhlala uqikelele ukuba ungakanani ukushiya ukuza kubakho kwezi ntlawulo.
- Funda okukhethwa kukho: Ukuba awukwenzi nto, uza kufakwa kwiSicwangciso soMbuyekezo sokuSetyenziswa, esikuvumela ukuba ubuyisele imali mboleko yomfundi kwiminyaka elishumi. Nangona oku kudla ngokukhawuleza kwindlela yokubuyisela loo matyala, iintlawulo zenyanga zingase zibe yoluhlu lwabafundi abathile. Khangela izicwangciso zentlawulo efumanekayo ezinokunyusa ixesha lokuboleka imali, okanye uhlengahlengise iintlawulo ezisekelwe kwingeniso oyifumanayo.
- Umboleko wakho unokuxolelwa : Kwezinye iimeko ezithile, urhulumente unokuxolela inxalenye yemboleko yakho okanye ufumane nemali ukukunceda ukuba uyihlawule, kuxhomekeke kwizicwangciso zakho zeposi. Musa ukwenza nayiphi na izigqibo zokubuyiselwa ngaphandle kokufunda okokuqala ukuba unelungelo lokuxolelwa kwemali mboleko.
- Qala ulwalamano lokuhlawula ngqo: Abafundi abaninzi namhlanje sele baqhelanise nebhanki ye-intanethi, enokufumaneka ngokukhawuleza ukwenzela ukuba kwenziwe iintlawulo zemboleko zabantwana. Cela umnini-mboleko wakho ukuba ungayifaka njani imali ye-debit ngokuzenzekelayo ukuze iintlawulo zakho zizithathwe ngokuzenzekelayo kwi-akhawunti yakho yasebhanki inyanga nganye. Uza kufumana i-0.25% yokutsalwa kwezinga lentengo xa ubhalisa.
- Yenza iintlawulo ezongezelelweyo: Xa usuqeshwe, unokufumanisa ukuba ngokwenene ufumana imali ngaphezu kweendleko zakho. Kukhulu kuwe! Oku kungenakwenyaniso ukuba uthatha isigqibo sokutshata okanye ukuthenga ikhaya lakho, ngoko kuyaqondakala ukuba usebenzise nayiphi na imali eyongezelelweyo oya kuba nayo ngoku ukuhlawula imali yakho yomboleko. Yazisa umboleko wakho wemali mboleko ukuba nayiphi na imali eyongezelelweyo ayifanele ibekwe kwiintlawulo ezizayo. Ukuba awuzange udibanise iimali-mboleko zakho, kuya kufuneka ubabatshele ukuba basebenzise nayiphi na imali eyongezelelweyo kwimboleko kunye nenani lentengo ephezulu.
- Cinga kabini malunga neentlawulo zokuhlawula: Nangona unako ukuthatha inxaxheba kwisithuba sokunyanzelisa okanye ukunyamezela, cinga kabini ngaphambi kokusebenzisa leli thuba. Kwiimeko ezininzi, inzala iya kuqhubeka yokwakha.
- Fumana uncedo: Ungesabi ukucela uncedo ukuba uyayidinga. I-servicer yakho yemboleko inikeza uncedo ngaphandle kwentlawulo. Musa ukuhlawula ngaphandle iinkampani ezithi zinokukunceda, kodwa uhlawula intlawulo.