Izifundo zakutsha Zifumana uxhulumano phakathi koNwabo kunye neNgeniso
Iintetho zeeKholeji zeeKholeji ziza kuzo zonke ubude nezitayela. Ezinye ziyamangalisa ngokwenene, ezininzi zikhohlwa ngokukhawuleza. Enye into onokuyithemba ngayo ekuvaleleni kuzo zonke iinguqulelo ezinjalo ngenye inguqu yolu bulumko obuthethayo: "Landela iphupha lakho, kuba imali ayikwazi ukukuvuyisa."
Umbhali wezeMali uMichael Schramm, yena ungumfundi wekholeji, unengxaki yangempela ngale ngcebiso. Ukucatshulwa kwakhe kweso sabelo kuMagazini weMali kunika ukutya okucatshulwa njengeklasi yekholeji enye engena kwiimarike zomsebenzi ezithwalwe ngetyala lomfundi, kwaye enye icinga indlela engcono ngayo yokutshala ixesha kunye nemigudu kwiminyaka emine ezayo.
USrramm uthi isiphakamiso sokuba imali ayithengi injabulo kukuba, "isiqingatha-inyaniso, ngokugqithiseleyo, ubuxoki bubi kakhulu." Ngamava akhe, imali kunye nolonwabo zihlangene ngokusondeleyo. USrramm wakhulela ekhaya apho ukuhlengahlengiswa kwendlu kwakuyisongelo lokwenene, umgodi ophahlayo ophahleni awuzange ufumaneke, kwaye ukuthengwa kokutya okuncinci kunokubangela ukukrakra, ukuphikisana kwengxabano ngemali.
"Xa kufike iibhilikhwe ezingenakuhlawulwa, imali yaba yi-monster eyandikhathaza," kusho uSchramm.
Konke okutshintshile kuSchramm xa athola i-college scholarship kunye nesibonelelo esamvumela ukuba ahlangabezane neemfuno zakhe ezisisiseko. USrramm waziva uxhalabhile waza wabuya wagxila kwizinto ngaphandle kwemali, awayeyijonga njengomhlobo, kungekhona i-monster.
"Kalula nje, imali eninzi yandithenga injabulo."
Ingxabano kaSchramm ingaphezu kwe-anecdotal. Ukhankanya uphando olutshanje olubonisa ukuxhamla phakathi kwentlalo kunye nenzuzo-ukuya kwinqanaba.
Imvakalelo engebiyo iyancipha kwinqanaba elifikelelekileyo de ingeniso ifikelela kuma-80,000 wamawaka, ngokwephepha le-Juni 2016 ukusuka kwi-Case Western Reserve University. Iimvakalelo ezimbi ziqala ukuhlahla njengoko inzuzo ifumana i-$ 200,000. Uphando lwehlabathi lonke kwiYunivesithi yaseMichigan lifumene ukuba ingeniso kunye nenhlalakahle ikhula rhoqo.
Nangona kunjalo abafundi baqhutyelwa bombarded kunye nesigijimi esilwela ukuphila ngokufanelekileyo sibeka umngcipheko wokuphila ubomi obunzima, obungenambala.
USramram ucinga ukuba yinto engengozini. Uyalumkisa abafundi kunye nabafuna umsebenzi ukuba bafune ukulinganisela ngokwenene phakathi kokuzaliseka kunye nenzuzo. Ubanxusa ukuba bacinge ngokucophelela ngaphambi kokuba bafune ukuphupha okanye iphutha eliya kubashiya bebenzima neentlawulo zabo.
"Ukonwabela umsebenzi wakho kwandisa ukonwaba, kodwa oko kuya kuncitshiswa ukuba ukuthanda kwakho akunakho ukuhlawula ukutya, amanzi, indawo yokuhlala kunye nezinto ezisetyenziswayo - ukuba awukwazi ukubeka imali kwi-akhawunti yokulondoloza ... ukuba i-splurge ikhe fi kelele. "
USrramm ubonisa abafundi ithuba lokuphangela amathuba omsebenzi kunye nemivuzo emsebenzini wabo wephupha nokuvavanya ngokunyanisekileyo ukuba bangahlala ubomi obuhle kuloo ntlawulo. Ukuba akunjalo, ucebisa, banokuqwalasela uhlobo oluthile lokunciphisa. Ngokomzekelo, i-new grad kwi-computer ye-computer kunye nomnqweno wokunceda abahlwempuzekileyo ingazivolontiya ukujongana neenkqubo zenkcazelo yeqela lokulwa nobuhlwempu.
"Kungabonakali ukuzalisekisa njengoko ulandela amaphupha akho, kodwa nantsi inyaniso ebalwayo: Iya kunika ulonwabo."
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela.
Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.