Uyenza njani na?
Ndiyathetha ngokwenene ukuwaxhasa. Akasayi kuhlawula i- inshurensi yemoto , i- inshurensi yezempilo okanye i-cell phone bills.
"Wenze njani loo nto?" Ndabuza.
"Kwakunzima," wavuma, "kodwa kwakufuneka kwenzeke." Wayesandul 'ukuqhawula umtshato , kwaye wayefanele agxininise ekuqinisekiseni ukuba unokuzixhasa kwaye aqale ukucola imali ngaphandle komhlalaphantsi wakhe.
Ngoko wathatha intlawulo yeminyaka yazo zonke izinto, udibaniswe, wanika abantwana abantwana imali yokuhlola, kwaye wathi kubo "yibani ngabahlakaniphile." Babini kubo, utsho; enye yayingekho. (Uhlala naye kwithuba elithile.) Kodwa yonke loo nto ihamba phambili.
Ngokwe-Disemba kaDisemba kwi-CreditCards.com, iikota ezintathu zabazali banikela ngenkxaso yemali kubantwana babo abadala. Le nkxaso ithatha iindidi ezininzi: iifowuni zee-bhsayithi (iipesenti ezingama-39), ukuthutha (iipesenti ezingama-36), ukuqesha (iipesenti ezingama-24) kunye nezibonelelo (iipesenti ezingama-21) kunye nokuncedisa ukuhlawula amatyala, ininzi yemali-mboleko yomfundi (iipesenti ezingama-20). Kodwa ngelixa abantu abaninzi baseMelika bengabonakali ngokukhawuleza ukufumana umhlalaphantsi-imali yokugcina umhlala-phantsi kuzo zonke iintsapho ezisebenzayo e-US i-$ 5,000 kuphela, ngokweSicwangciso-nkqubo sezoQoqosho-kunengqiqo ukwenza okuncinci yethu inzala, ngoko sinokucinga okunye malunga nathi.
(Njengoko kubekho eceleni: Loo nyaka u-5 000 wesigxina, kodwa uchanileyo.) Kuthetha, okanye umyinge, inani lokugcina umhlala-phantsi kumntu omdala wase-US ufikelela kuma-$ 96,000. iyakwazi ukugcina i-skew eninzi phezulu.)
Ngoko, uyayifumana njani ixesha lokunquma abantwana bakho ngezimali?
Okokuqala, uyazi ukuba uya kuhlawula ntoni. Andiyithethi, nangona-ngokutsho kophando oluvela kwiBhanki yaseMerika Merrill Lynch-enye yesithathu yabazali awazizi nokuba zeziphi iindleko abazigubungelayo. Ndiyathetha, cinga ngobomi bakho imali evumela abantwana bakho ukuba baphile. U-Ruth Nemzoff, i-University of Brandeis University of Women's Studies Scholar kunye nombhali we- Do not Bite Your Language: Indlela Yokukhuthaza Ubudlelwane Bokubuyisana Nabantwana Bakho Abadala . "Khetha ngokuhlakanipha, wazi iinjongo zakho uze uzicacise." Nantsi indlela.
Hlola imeko.
Kukho iintlobo ezintathu ezahlukileyo zokuqwalasela, i-Nemzoff ithi. Okokuqala: Wena, iimfuno zakho zemali, iimfuno zomzwelo kunye nokulindela. Okwesibini: Umntwana wakho, kunye neemfuno zabo zemali, iimfuno neemvakalelo. Okwesithathu, imeko yendalo. "Umntwana owafika ekhaya emva kweminyaka yokusebenza kanzima ngenxa yokuba aphelelwe yinto ehluke kakhulu kunomntwana oza ekhaya kwaye engasebenzi nzima ekufumaneni umsebenzi," ushilo. Ngokufanayo, ukuba uhamba kwimarike apho kunzima kakhulu ukufumana umsebenzi, okuhlukileyo kunokuba uzive uvumela umntwana wakho ukuba akhethe ngokukhethekileyo ngokufuna enye.
Chaza ukuba kutheni.
Umntwana wakho ufanelwe ukwazi-kwaye mhlawumbi uya kusabela kangcono xa beyazi-kutheni ukutshintsha kuya kwenzeka.
Mhlawumbi, njengowesifazane odibene naye, unomcimbi (njengokuqhawula umtshato okanye ukutshatyalaliswa) okuye kwaguqula ngokuphawulekayo indawo yakho yemali. Mhlawumbi ucinga ngokuthatha umhlalaphantsi. Okanye mhlawumbi uloyiko lokuba ngokuqhubeka nokuxhasa umntwana wakho ngale ndlela, uyazilimaza ithuba labo elide lokufumana ukuzimela. Naluphi na uluvo lwakho, lubeke etafileni. Ukuba kuqukwa ukutshintsha indawo yezemali kubantakwabo omnye kwaye kungengomnye, iinkcukacha zakho zokucinga. (Mhlawumbi nguwe oye wagqiba isigqibo, emva kweminyaka emithathu, ukuba i-inshurensi yemoto iya kuba kwisithuba salo, ngelixa umntwana wesibini uneminyaka emibini, omnye ufumana imoto yokuqala.)
Yaye ugcine engqondweni: Awunayo ukuyikhusela, yichaza nje. Imali yakho.
Cwangcisa phambili.
Akukho mntu uphatha kakuhle kumangalisa, kodwa iimali zixakeke kakhulu.
Nika abantwana bakho iinyanga ezilungileyo ezintandathu ukuya kunyaka wesaziso sokuba ezi zinguqu ziya kwenzeka. Oko kubanika ixesha elaneleyo lokuba baqonde ukuba baya kufuna ukunyusa imali yabo yonke okanye ukunciphisa iindleko zabo jikelele ukuze bafumane ezi ndleko. Ukunikezela ukubanceda bafumane apho imali yabo ihamba khona namhlanje ngokuhlala phantsi kunye neentlawulo zabo zenyanga, iindleko kunye nokulandela ukuhamba kwemali.
Mkele iVenmo.
Ekugqibeleni, kuya kuba neemeko apho kunengqiqo ukuqhubeka nokuhlawula ibhilikhwe yomntwana wakho, kodwa ubenokubanika uxanduva lwezemali kulo. Umzekelo weklastiki: Kungaba nengqiqo ukuba abantwana bakho bahlale kwisicwangciso sefowuni yesapho ukwenzela ukugcina yonke intsapho imali. Kule meko, iVenmo (kunye nomncintiswano wayo, uZelle) unokuba luncedo olukhulu, njengoko iinkonzo zikuvumela ukuba uhlawule omnye ngaphandle kokucela inyanga ngenyanga emva kwenyanga. Izingane zakho sele zisetyenziselwa ukusebenzisa ezi ziqonga kunye nabahlobo babo, ngoko ke zisetyenziselwa ukuba zikhohliswe ngekhompyutha, kwaye aziyi kukhutshwa.