Kodwa kuzo zonke iimbali ezidabukisayo zeminyaka eyi-millari elwa nomatyala-mboleki, zikhona iimbali eziyimpumelelo zabafundi abaphumeleleyo ekulawuleni iitalato zabo.
Elinye ibali livela kuJessica Elberfeld, umgcini weYunivesithi yaseBelmont owakwazi ukugqiba ukuhlawula imali eyi-113,019 kwi-ityala emva kweminyaka eyisixhenxe emva kokugqiba. Nantsi indlela akwenza ngayo.
Indlela Ayenzile ngayo
U-Elberfeld wabelana ngekhaya elincinci eNashville kunye nabahlali ababini emva kweekholeji, kwaye wayeqhubeka eqhuba imoto efanayo naye wayeneminyaka eli-16. Ngokugcina kwizinto ezimbini ezibalulekileyo kwi-bhajethi yakhe - irente kunye nokuthutha-wakwazi ukuhlawula i-$ 2,230 iyonke inyanga nganye kwiimboleko zakhe.
Nangona oontanga bakhe behlala edolophini yedolophu kwaye bathenga iimoto ezintsha, u-Elberfeld wagxila kwimali mboleko yakhe.
"Ukunyaniseka kwento endiyekanga ngayo kulandelelwano lwezinto zemali umfazi oqhelekileyo kwiminyaka yakhe engama-20 ecinga ukuba ufuna: indawo ekhangayo yokuhlala, ifenitsha entsha, imoto entsha, iipokethi ezintsha, izihlangu ezintsha, iimpahla ezintsha, iziphuzo ezibiza kunye nezidlo, [kunye] nezenzo zokuhamba, "kwezinye iindleko.
U-Elberfeld waphinde wahlaziya kwaye wadibanisa iimali-mboleko zakhe, ezithatha inzala enama-6 ukuya kwi-10,75 ekhulwini.
Wayehlaziya iipesenti ezingama-2,85 kwaye waqhubeka enza iintlawulo ezifanayo njengaphambili. Kodwa ngoku ngakumbi imali yakhe yayiya kwinqununu.
Wasebenze umsebenzi wesibini njengomncedisi kwindawo yokutyela kunye nendawo yomculo. Ku-Elberfeld, i-gig yamvumela ithuba lokuba asebenze nabanye abahlobo bakhe abasondeleyo kwaye baphulaphule ukuhlala nomculo emsebenzini.
Wayephonsa ininzi yengeniso engaphezulu kwimali-mboleko yakhe. Ngoku ukuba ityala likhululekile, isebenzisa imali kumsebenzi wakhe wesibini ukugcina i-fund yexakeka kwaye imoto entsha.
Iseluleko Kwabanye
Nangona wayenako ukuhlawula amanani amathandathu ahlawulwa ngamatyala kwiminyaka esixhenxe, uElberfeld uthe ufumene indawo yokuhlaziya ibhajethi yakhe. Waqhekeza ngeendlela zokuhamba kunye nabahlobo bakhe, ekhetha indawo kwindawo yokuhamba kunye nokuqhekeka indlu okanye igumbi.
"Le mihambo yayiyolonwabo kwaye ikhululekile kum ukususela ekubeni ndayigcina imali ngaphambili kwaye ndingazange ndichithe ngaphezu kokusindiswa," ushilo. "Ungazitshisi; Ukuba unomuva unesidingo esincane, ungesabi ukuthatha enye. "
Ingaba i-priority yakho inayo inja okanye ibe nobulungu be-Crossfit, qhubeka phambili kunye ne-splurge. Ukuhlawulwa kwetyala kufana nokusebenzisa: Kubalulekile ukusebenza nzima, kodwa umgudu omkhulu kunye nokuphumla okuncinci kakhulu kunzima. Uza kuphelisa ukhathele, ulimele kwaye utshiswe. Cinga ngeenjongo zakho zemali ngendlela efanayo.
Unokukwazi ukufumana kuphela enye okanye ezimbini ezibalulekileyo ngaphezulu kokuhlawula imali yakho mboleko , ngoko ukhethe ngokucophelela. Kuza kuhlala kusekho ixesha lokuhlola izinto ezintsha zokuzonwabisa kwaye uzibandakanye ezenzweni ezintsha, kodwa ngexesha lokutyala kwetyala, kubalulekile ukukhumbula into ebalulekileyo kuwe.
Iseluleko saBafundi beZikolo eziPhakamileyo
Ukugcina imali , uElberfeld wachitha iminyaka emibini kwikholeji yasekuhlaleni ngaphambi kokudluliselwa eBelmont. Uninzi lwabafundi abaya kwiikholeji zasekuhlaleni zigcina phakathi kwe-$ 5,000 kunye ne-20,000 ngonyaka. Ngaphezu koko, abafundi bangahlala ekhaya ngelixa beya kwiikholeji zasekuhlaleni, basindise nangakumbi kwigumbi kunye nebhodi.
"Ndandifuna ukuba eBelmont ... kodwa ndaya kwikholeji yasekuhlaleni ndikrazula," utsho. "Ndiphelile kwenyanga-endiyenzayo."
Ukuba unqwenela ngokwenene amava ekholejini okwenene, ungesabi - ezininzi iikoyunivesithi zivuyiswe ukuthumela iikhredithi kwiikholeji zasekuhlaleni. "Iminyaka emibili yokuqala iyimfuno ebalulekileyo, kwaye ukuba iirektshi ziyadlulisela, ungasebenzisa ngokunjalo iikholeji yasekhaya esincinci kufuphi nekhaya," esho.
Ngaphambi kokuba ubhalise, yenza uphando uze uqonde ukuba yeyiphi iikholeji zaseburhulumenteni ezinomgangatho ongcono wokutshintshwa.
Faka isicelo se-scholarships, ukubolekwa kunye nokuncedisa ngemali ukuhlawula indlela yakho.
Esinye sezifundo ezinkulu uElberfeld yabelana nabafundi besikolo esiphakamileyo kukuba balungiselele ngakumbi xa kufikelele ekuncedeni ngemali. Xa esesikolweni esiphakeme, abacebisi bambolekisi bamxelela ukuba angadibanisa okanye ahlaziye iimali-mboleko zakhe emva kokugqweswa. Izicwangciso zentlawulo ziya kuba nezimo ezinokwakheka kwi-income income, zathi.
"Kuyacaca ukuba kwakungenjalo kwindleko zemboleko zangebucala emva kokuba uqoqosho lube lukhulu," ushilo. "Ndiyazi ukuba yayingumlinganiselo omkhulu, kodwa andizange ndicinge ukuba inzala engayifumana kwiminyaka engama-19-20 ubudala iya kuvalelwa emva kweminyaka emva kokuba ndiphumelele."
Ukhuthaza abafundi besikolo esiphakamileyo kunye nabazali babo bajonge iipakethi zabo ngononophelo ngaphambi kokuba bathathe imali mboleko. Sebenzisa i-calculator yemali-mboleko ukuze ufumane ukuba yiyiphi intlawulo yakho yenyanga kwaye uya kuphanda ukuba umvuzo oqhelekileyo wokuqala ngowomntu entsimini oyifunayo. Gwema ukuthatha ngaphezulu kwimali-mboleko kunokuba uya kuzuza ngonyaka wakho wokuqala esikolweni.
Ngaba Uyakuzisola Ngamatyala?
Ngethuba wayesetyenziswe ngemali-mboleko yomfundi, u-Elberfeld wazisola ngokuzifumana ematyaleni. Kalokunokuba uyenzile, unombono ohlukileyo.
Kulo lonke ityala alalithathayo, amava akhe ekolishi ayexabisekileyo. I-Belmont idume ngokuba nenkqubo yoshishino lwayo lomculo - abagqibeleleyo bajoyina rhoqo i-shishini, kwaye isikolo sinceda abafundi ukuba bafumane i-internship kwii-studio ezirekhodiweyo kwaye badibanise neenkokeli ezibandakanya kakhulu kwi-Nashville music scene. Njengomculi welizwe elithandayo, u-Elberfeld uthe akanakucinga ukuba angayi apho, nangona itekiti yentengo yesithandathu.
Uthi, "Isikolo, nabantu endadibana nawo, kakhulu kunxalenye yobomi bwanamhlanje," ushilo. "Ndiyathanda ubomi bam."