Iingcebiso zohlahlo lwabiwo-mali kunye neeNkqubo zoLwazi lweeKholeji
Ukulawula imali ngenkqubela ukuya kwikholeji kuyimfuneko ukugcina ityala lokugqibela emva kokugqitywa . Landela ezi ngcebiso ezibhekiselele kubhajethi kubafundi kwaye usebenzise isofthiwe somntu ngamnye wezezimali ukusetha nokunamathela kwibhajethi yekholejini.
Kutheni ufuna iBhajethi kwiKholeji
Uhlahlo lwabiwo-mali lunikeza ulawulo oluqapheleyo malunga nokuchitha imali, olukhokelela ekufundeni ukulawula iimali zakhono ezifunekayo ukuze uphumelele kwihlabathi langempela emva kokugqiba. Abafundi bavame ukuziva uxinzelelo lweontanga ukuba bachithe ngaphandle kwengcamango, kwaye babe nebhajethi ekubhekiselele kuncediso ekunqumeni ukuba kukho imali eyaneleyo yokuhlawula ukutya zokutyela, ukusela kunye nabahlobo, iimpahla ezingabalulekanga kunye nezinye iindleko.
Njengomfundi onzulu, uthatha uxanduva oluninzi ngelixa ufumana imfundo ephakamileyo, kwaye ukugcina uhlahlo lwabiwo-mali luvakala ngathi luyingozi. Kodwa, imizuzu embalwa esetyenziselwa uhlahlo lwabiwo-mali iya kukukhulula imali emva koko. Ityala olifumana kwiikholeji lithintela ngaphezu kohlahlo lwabiwo-mali ngenxa yokuba loo matyala iya kunqumla kwingeniso oyifunayo ukuze uqalise ubomi emva kwekholeji.
Qo kelela
Ukuqala uhlahlo lwabiwo-kholeji yakho, misela ukuba iindleko zakho ziya kusebenzisa le mithombo yolwazi:
- U-Freshman kufuneka akhulume nomfundi wekholejini onamava malunga neendleko zokulindela.
- I-ofisi yobomi bomfundi okanye imfundo yabafundi kwiikholeji yakho inokunika ulwazi malunga neendleko ezilindelekileyo ngexesha esikolweni. Mane u-imeyile okanye umise ngeofisi ukucela ulwazi.
- Ukulandelela yonke inkcitho yakho kwiinyanga ezimbini zokuqala zeeklasi, ukuya kwi-pizza, ikhofi kunye nempahla yesikolo. Ukunyaniseka kuwe kwaye ufake konke okuthengayo. Ukurekhoda ezi mali kwi-software yangaphandle kwesoftware kwiphepha elingezantsi, kubhajethi kwiphepha okanye kwi- spreadsheet yamahhala yebhajethi .
Software Budgeting
Nantsi enye yeprogram yezemali engcono yokulawula uhlahlo lwabiwo-kholeji:
I-Windows: SplashMoney kulula ukuyisebenzisa kwaye inezinto ezingaphezulu kwaneleyo kwinqanaba lekholeji. Ingama-20 kwi-desktop version, kunye nezinye i-$ 5 ukuba ufuna ukuvumelaniswa ne-iPhone okanye i-Android zokusebenza. Inketho yamahhala yiMicrosoft Money Plus Sunset Deluxe . Iinkonzo ze-intanethi azisebenzi kwakhona kwiMali, ngoko awukwazi ukukhuphela ukuthengiswa kwebhanki (usenokungenisa ukuthengiselana , nangona kunjalo), kodwa isasetyenziswa kakhulu kwaye ixabiso lilungile.
I-Mac: Kwi-Mac, ndiyathanda iBank 4 , kodwa malunga ne-$ 60, ixabiso lemfundo yekholeji kwaye inezinto ezingaphezulu kunokuba umfundi asebenzise. Inketho engabizi kakhulu yiSplashMoney ye-Mac, ikhankanywe ngasentla. I-GnuCash ikhululekile, kwaye ngelixa ingabonakali njengeBank, iya kwenza umsebenzi omkhulu ekulandeleni imali kunye nokuhlahlo-mali.
I-intanethi: Ukuba i-intanethi isebenzayo isitayela sakho, i- PearBudget Online inkulu ngokubhajethi kwaye kulula ukuba i-$ 3 ngenyanga emva kwesilingo samahhala. I-ClearCheckbook isofthiwe ye-intanethi ye-intanethi isayithi elungisiweyo elisebenzayo elisebenzayo elikhulu kwi-smart phone. I-Mint.com yinto ekhethekileyo ye-intanethi ethandwa kakhulu kwisihlwele sekholeji, ikhululekile kwaye ine-iPhone ne-Android zokusebenza.
Ifowuni: Kakade, kukho ezinye iiprogram zeebhajethi ezihamba phambili eziphathekayo kunye nezixhobo zolawulo lwemali ezingabandakanyekanga kwikhompyutheni yekhompyutheni okanye isiphequluli sewebhu. Khangela i-Pocket Money kwaye uchithe - Uhlahlo lwabiwo-mali kwi- iPhone apps list okanye i-Nickel Tracker okanye i- EEBA , edibene kunye nezinye iifowuni ze-Android zemali .
Uhlahlo lwabiwo-mali
Omnye ukhetha isixhobo sakho sebhajethi, inzuzo kunye neentengo zeendleko kufuneka zichazwe kwisofthiwe, ispredishithi okanye iphepha. Nazi iindidi umfundi wekholeji kufuneka aziqwalasele:
Iimali Zemali
- Iindleko zekholeji ezihlawulwa ngqo ngabazali, okanye imali abazali banikela umfundi ngokukodwa ukuba ahlawule iindleko zekholeji
- Imali yengeniso yesikhatheso somsebenzi
- Iingcali kunye nezibonelelo
- Mboleko ya bafundi
- Imali evela kusindiswa komntu
- Imali evela kwiikholeji zokugcina iikholejini
Iindleko zeeNkcitho
- Isifundo seKholeji
- Imirhumo yekholeji: Imirhumo yomsebenzi, iifizi zokupaka, iirhafu zebhanki
- Iincwadi
- Unonophelo lomntu: iindleko zokuhlamba iimpahla, izinto zokucoceka
- Ukubonelela: iincwadi, iiferenk, iipenki, isikhwama sencwadi
- Izixhobo: ikhompyutha, isibane sokufunda
- Izixhobo ezincinci: i-friji encinane, ipoksi elitshisayo, i-microwave
- Ukuqeshisa okanye kwi-campus yokuhlala
- Ukutya: ukutya kunye nezicwangciso zokutya
- Izithuthi: iindleko zeemoto okanye imali yegesi kwimoto yomhlobo, ukuhamba ngebhasi
- Izambatho
- Umshuwalense: umfundi usenokuthi uzalwe ngumgaqo-nkqubo womzali
- Ukuzonwabisa
Emva kokuba uhlahlo lwabiwo-mali lubekwe, yabela imali engenayo kwiindleko zakho zenyanga. Unokuqhuba ingxelo yengxelo yebhajethi nganye iveki ukuze ubone ukuba unayo i-overspent kwaye kufuneka uphinde ungene kwiindleko ezingabalulekanga ukukunceda ukuphepha ukugqithisa imali ngaphezu kwenyanga. Ukuba usebenzisa i-app yeselula okanye ye-intanethi, unokuyibeka ngokucacileyo ukubonisa iimpawu zakho zokuchitha kwikhaya lasekhaya ukuze ubone ukuba uhlahlo lwabiwo-mali ngempumelelo xa uvula i-app.