Ukulungiselela i-Tag-Price Growing Tag yeKholeji
Ngoko umzali oqhelekileyo ukuba enze ntoni? Ngendlela efanayo kufuneka uqale ukugcina umhlalaphantsi wakho kuma-20s , kufuneka uqale ukugcina ukufundiswa komntwana wakho kungekudala kunokuba ukuxhaswa kwemfundo yabo ephakamileyo yenye yeenjongo zakho zemali.
Nazi iindlela ezi-5 ezilula zokuqalisa ukuxhasa ngemfundo yekholeji yengane yakho.
Qala ngoku!
Ngokukhawuleza uqala ukutyalomali kwimfundo yomntwana wakho, ngcono. Njengawo nawuphi na umgomo wokutyalomali, ixesha kunye nomdla onyanzelisayo ngumhlobo wakho omhle kunye nexabiso elixabisekileyo. Ekuqaleni uqala ukusindisa rhoqo, ngaphantsi uya kuyidinga ukugcina ngexesha elide.
Jonga uhlahlo lwabiwo-mali ukuze ubone ukuba ungaphila kwi-kholeji. Nangona i-$ 50 kuphela ngenyanga, loo nto iyisiqalo kwaye njengoko ingeniso yakho ikhula okanye iindleko zinciphisa, unokunyusa izinga lokugcina imali. Yaye ukuba ungeke ukwazi ukugcina nantoni na okwangoku, finyelela kunogogo nomkhulu ukuba ubone ukuba ngaba unomdla ekunikeni isikhwama semfundo yekholeji yengane yakho.
2. Yiba neSicwangciso
Isinyathelo sokuqala sokwenza isicwangciso sokulondoloza iikholeji kukuqikelela ukuba iindleko ezipheleleyo zemfundo yengane yakho ziyakwenzeka.
Umyinge wokufunda kwisikolo kunye nomrhumo werhafu kwisikolo seminyaka emine kawonkewonke ufike ngaphantsi kwe-$ 10,000 ngonyaka we-2017-18. Kwimihlanu ye-inflation ngonyaka, iindleko eziqikelelweyo ngonyaka kunyaka-18 ukususela ngoku ziya kuba malunga ne-$ 24,000 (iminyaka eyi-10 ukususela ngoku ixabiso liza kuba malunga ne-16,000 zamawaka). Izikolo ezizimeleyo zingaba ziindleko ezimbini ukuya kweethathu.
Ungavumeli la manani akuthumele ukuba ungenzi. Enye yemfundo yomntwana wakho inokuhlawulwa ngenxa yokubhalwa kwemali, uncedo lwezezimali , izibonelelo kunye neengxowa-mali zemfundo yabucala . Nangona ungezantsi kwinjongo yakho ngoku, kunokwenzeka ukuba ulondoloze abanye xa uqala ekuqaleni, uncedise rhoqo, kwaye utshale ngokuhlakanipha. Ngokuqinisekileyo, akudingeki ukuba uceba i-100% yengqeqesho yomntwana wakho ukuba akuyiyo injongo yakho. Ukuze uqalise kwisicwangciso, ungakhangela amathuluzi e-intanethi e-intanethi afana ne-SavingforCollege.com yekholeji yokugcina ikholeji.
3. Gcina rhoqo kwaye rhoqo
Ukuze ufumane imali eyaneleyo yokuxhasa ngeminyaka emine yekholeji, awufunanga nje ukuqala ukugcina kwangaphambili kodwa utyalomali kwaye rhoqo. Esikhundleni sokutshala imali ethile yonyaka, cinga ukugalela imali encinci nganye nyanga ukuba usebenzise i-dollar ingxaki kunye nesithakazelo , njengenyanga nganye.
Isicwangciso esicwangcisiweyo kukuba ulandele phambili i-akhawunti yengane yakho ukuba ulondoloza kwisicwangciso se-529. (Ngakumbi malunga nalabo bangaphantsi.) Ukulayishwa kwangaphambili kukuvumela ukuba ube negalelo leminyaka emihlanu kwi-akhawunti yokulondoloza ikholeji egameni lomntwana wakho. Inani elipheleleyo leeminikelo alinakudlula ukukhutshwa kwentela yonyaka yesipho kule minyaka emihlanu.
4. Gcina ngokuhlakanipha
Into eyingozi kuphela kunokungasindisi nonke ibeka imali yakho kwi-akhawunti yokugcina imali okanye i-akhawunti yemarike yemali. Ngokubhekiselele kwizithuthi zotyalo-mali, iimali zeempahla zembali ziphantse zigqithise olunye utyalo-mali kwiinyanga ezili-10 okanye ngaphezulu. Khangela akukho mthwalo (akukho ntlawulo ekuthengeni okanye ekuthengiseni) iimali eziphathekayo okanye iimali ezithengiswa ngemali- ntengiso yezohlukeneyo ngeendleko ezimbalwa.
Kodwa, musa nje ukupaka imali yakho kwingxowa-mali okanye ezimbini kwaye uyishiye. Ukuphonononga ukusebenza kwemali ubuncinane ngonyaka, kwaye wenze utshintsho njengoko kuyimfuneko yokwenza imali engaphantsi. Enye yeenzuzo zokusebenza nomcwangcisi wezemali kukuba akunikezeli kuphela iingcebiso kwisicwangciso sakho sokulondoloza, kodwa unokulawula nokubeka iliso ukusebenza kwentsebenzo nokuthumela izitatimende zekota. Ukuba ulawula utyalo-mali lwakho, qiniseka ukuba u-akhawunti ngexesha oshiye kufuneka utyalomali.
Ngokomzekelo, ukuba umntwana wakho uneminyaka emihlanu ukususela kwiikholeji, kusenokuba yisikhathi sokuqala ukutshintsha imali yakho ekukhuleni kwemali kunye neengxowa-mali zemali, ukunciphisa ukuvezwa kwakho kwiimarike kunye nokuhla kwexesha xa uzimisele ukubuyisela phezulu.
Iminyaka emibini ukuya kwimine ngaphambi kokuba umntwana wakho aqale ukuqala iikholeji, imali kwiimpahla ezaneleyo kunye nezibophelelo zokuhlawula unyaka wokuqala, kwaye zibeke kwindawo ethile ekhuselekileyo kwaye ifumaneka, njengemali yemarike yemali. Ukuba ulinda de ngaphambi kokuba ufune imali, unokunyanzelwa ukuba uyiphume ngexesha lokusebenza kweemarike, phantsi kokulahlekelwa yimivuzo yakho.
5. Yazi I-Options Yakho YokuSindisa kunye noTyalo-mali
Xa uzama ukuza nemali kwimfundo yekholeji yabantwana bakho, ukuhlanganiswa kwezithuthi zotyalo-mali kunye neendlela zokuxhaswa ngemali kuya kusebenza kakuhle. Qinisekisa ukuba uyisebenzise naliphi na irhafu echithwe yerhafu okanye iirhafu ezichasene neerhafu ezifanelekileyo. Ezinye zezona zikhetho ezintle kakhulu zokutshala imali kwiikholeji ziquka:
- I-Roth IRA: Ukuba uya kuba ngu-59½ xa umntwana wakho ekholeji, i- Roth IRA ingaba yithuthi ekhangayo, kuba utyalo-mali luya kukhula ngaphandle kweerhafu kunye nokuhoxiswa kwekhefu kuya kuhlawulwa irhafu. ubuncinane iminyaka emihlanu). Unako ukurhoxisa ukuya kwii-R10 000 zeerhafu-kunye neentlawulo ezingenasiphelo ngaphambi kweminyaka yobudala engama-59 / 1/2, njengoko nje imali isetyenziselwa iindleko zemfundo ezifanelekileyo .
- I-Akhawunti ye-Coverdell ye-Savings Education (eyayibizwa ngokuba yi-IRA yeMfundo): Nangona igalelo kwi- Coverdell ESA ayikho inkokhelo yentlawulo (ithetha ukuba kufuneka uhlawule irhafu kwimali ngoku), ixabiso le-akhawunti liya kukhula ngaphandle kweerhafu kunye nokunikezelwa kwe-akhawunti irhafu-ntlawulo xa isetyenziselwa iindleko zemfundo ezifanelekileyo kumxhamli otyunjweyo. Injongo engundoqo kwi-Coverdell ye-ESA kukuba kukho umda ophantsi we-$ 2,000 kwiminikelo yonyaka kunye neentsapho ezifumana ingeniso engaphezulu (AGI) ngaphezulu komda ongenakuthatha inxaxheba. Xa umntwana wakho ejika 18, awukwazi ukwenza nayiphi na iminikelo entsha kwicebo. Zonke i-Coverdell ESA yokugcina imali kufuneka isetyenziswe ngaphambi kokuba umntwana wakho aphendukele kwi-30; Ngenye indlela, uya kuhlawula isohlwayo sentela enzima kuyo nayiphi na ibhalansi eseleyo.
- Izicwangciso ze-College College (529 Plans): iiplani ezingama-529 zinikeza ithuba lokufumana imali yokubuyisela imali kwiikholeji ongayidingi iminyaka emininzi. Imirhumo ikhula irhafu-imiselweyo kude kube yimali isetyenziselwe ukuhlawula iikholeji, ngoko imali yokufumana imali ihlawuliswa kwinani lentela yomfundi, enye inzuzo enomtsalane njengoko izinga lomfundi lokuhlawula irhafu ngokubanzi liphantsi kunomzali. Ukuba imali ingasetyenziselwa iindleko zemfundo ezifanelekileyo, kunjalo, kukho i-penalty ye-10% ukuya ku-15% yemali oyi-accumulated income okanye i-1% ye-balance balance. Ngoko ufuna ukuqiniseka ukuba ungagqithanga-ugcine 529. Kwinqanaba le-529 likarhulumente, akukho mida wonyaka wokunika inkxaso kodwa ezi zicwangciso zinegalelo lomrhumo wobomi. Umda uhluka ngocwangciso.
- Izicwangciso zokuFundiswa kweziThutho eziPhambili: Ezi zicwangciso ziyinxalenye enye yeprogram ye-529, kodwa ngokungafani nezicwangciso ezingama-529, urhulumente uthatha ininzi yengozi kwisicwangciso sokuhlawula kwangaphambili . Ezi zicwangciso eziqhutywa ngurhulumente zikhangeleka ngokukodwa njengoko iikholeji zemfundo zeekholeji zikhupha malunga no-10% ngonyaka. Kodwa beza kunye nokuncipha okukhulu. Okokuqala kukuba imali etyalo-mali ingasetyenziselwa ukufundiswa kunye nemirhumo (kungekhona indawo kunye neebhodi okanye ezinye iindleko) kwiiyunivesithi zeseburhulumenteni. Ukusebenzisa imali nayiphi na injongo okanye iikholeji kuza kubakho ukuhlawula izigwebo. Okwesibini, izicwangciso zokufunda ezihlawulwa ngaphambi kokunciphisa ukukhula kwakho kwinqanaba lezikole likarhulumente kwiikholeji. Ngoko xa ukufundela kwandisa izinga elide kwi-4 ukuya kuma-5%, ezi zicwangciso aziyizona izithuthi ezikhangayo zokuxhasa imali yeekholeji.
Ukuba uqala kusasa, yazi iindlela zakho zezithuthi zotyalo-mali, ukuphuhlisa isicwangciso, kwaye utyalomali ngokusesikweni rhoqo, kunokwenzeka ukuhlawula abanye okanye yonke imfundo yekholeji yomntwana wakho.