Izizathu ezi-5 Ukuhlala-ekhaya-Amama kufuneka acinge nge-inshorensi yomgaqo-inshorensi
Kukho izizathu ezininzi zokuba kutheni ama-mama ahlala ekhaya afuna inshorensi yobomi endaweni.
Ngaphambi kokuba uthi "ulungile" umama ohlala ekhaya engekho negalelo lemali kwindlu yakho, qwalasela ezi zizathu ezihlanu ukuba kutheni inxaxheba yakho ingaphezulu komgaqo-nkqubo we-inshorensi yobomi:
Umgaqo-nkqubo we-Inshorensi yoBomi unokugubungela iindleko zezindlu
Le yimibuzo emininzi yemisebenzi i-Salary.com inika ama-mama kumama ekhaya kwi-Survey Salary Survey yonyaka:
- Igosa eliphethe i-ofisi
- I-Computer Operator I
- Cook
- I-Day Care Centre
- Manager Manager
- Umgcini wezindlu
- Janitor
- Umqhubi womatshini wokuhlamba
- Weengqondo
- Van Driver
Ngomhla we-2014, enye iwebhusayithi yashicilela ingxelo ethi ama-mama asekhaya aseMelika aya kufumana i-$ 118,905 ngemisebenzi yabo emininzi imisebenzi.
Usacinga ukuba ungumama wokuhlala ekhaya ongenayo imali yemali?
Ngenxa yokuba awufumani i paycheck esayinwe ayithethi ukuba ungenzi inxaxheba kwingeniso yentsapho yakho. Ukuba kukho into eyenzekayo kuwe, iqabane lakho liya kufuneka lifune ngaphandle koluncedo ukukhawuleza ukungabikho kwakho.
Ngo-2006, umphathi wezemali uDave Ramsey uqikelele ukuba umgaqo-nkqubo wama-300 000- $ 400,000 uza kubakho ukwenza iindleko zento yonke umama ohlala kuyo ekhaya yonke imihla. Awukwazi ukutshintshwa, kunjalo, kodwa umntu unokuqeshwa ukuba ancede ukugcina intsapho yakho isebenza ngokuqhelekileyo phantsi kweemeko.
Umgaqo-nkqubo we-Inshorensi yoBomi unokunceda ngenkxaso yabantwana
Enye yezona zinkulu, iindleko zangexesha elide intsapho yakho iya kuhlangabezana nayo ngaphandle kweendleko zokunakekelwa kwabantwana. Abazali bahlawula umyinge we-15,895 yee-intanethi zokunakekelwa kwexesha elizeleyo kwiziko, ngokutsho kweNational Association of Child Care and Referral Agencies (NACCRA). Unyaka owodwa emva kokunyamekela esikolweni kwiziko elilinganiselwa kuma-10,720 ngemali ngamnye ngomntwana.
Umlingane onomsebenzi ofuna ukuhamba okanye iiyure zokuhlwa uya kuhlaselwa. Ukunyamekelwa ngononophelo kunye neeyure zasebusuku kunokukhawuleza kudle kwi-akhawunti yebhanki yentsapho.
Ngaphandle kwakho, omnye umntu uya kufuneka anakekele abantwana bakho ngelixa iqabane lakho lisebenza. Khetha inani lemigaqo-nkqubo yomshuwalense obandakanya iindleko zonyaka.
Inqubomgomo Yomshuwalense Wobomi Inokuhlawula Imfundo
Kwabantwana abasemakhaya, ukulahlekelwa ngumama nabo kuthetha ukulahlekelwa ngumfundisi wabo. Wena kunye neqabane lakho kufuneka nisigqibo sokuba ngubani oya kufundisa abantwana bakho ukuba uya kudlula. Iindleko zemfundo yabucala okanye utitshala wabucala uqwalasela iimfuno ze-inshorensi yakho yempilo xa ukhetha ukugcina abantwana bakho kwizikolo zikarhulumente.
Umgaqo-nkqubo we-inshorensi yobomi unokukunceda ukuhlawula imfundo yekholeji yakho. IBhodi yeKholeji ikhiphe inani le-2008-2009 kwiikholeji, ebonisa ukunyuka kwezifundo ze-5.9%, ngokomyinge, kwiikholeji zangasese kunye no-6.4% kwiikholeji zikawonkewonke.
Oku malunga ne-381 ukuya kwii-408 zamawaka ngaphezulu ngonyaka omnye nje. Ukuba umama wabantwana abancinci namhlanje ufile, cinga ukuba i-tag high price price tag iza kusekwa ngelixa abantwana bakhe bane-18.
I-calculator yeendleko zeBhodi yeKholeji ziqikelela ukuba umfundi oneminyaka emine ongena kwiikholeji kawonkewonke ngo-2015 uya kuhlawula umyinge wama-25,996 ayi-$ ngonyaka ngemfundo yakhe. Lelo nani likhuphukela kwi-34,788 yee-dollar kumfundi ongena kwikholeji efanayo ngo-2020.
Umgaqo-nkqubo wakho we-inshorensi yobomi ayinakufihla zonke iindleko zemfundo yekholeji. Ingaba ngumkhuhlane othintekayo kumntwana wakho ukuba athole imfundo ngaphandle kokuqokelela amatyala amaninzi, nangona kunjalo.
Unokushiya abantwana bakho ilifa
Sifuna ukupha abantwana bethu kangaka. Iidyayi xa ziselula. Iimoto xa zikhulile ngokwaneleyo ukuqhuba. Imitshato emnandi abayi kuyilibala.
Unokushiya iqela elincinci emva kokuba uncedise abantwana bakho xa bekhulile.
Ukunika abantwana bakho inxalenye yelifa lakho kunokubanceda baqale ikhanda xa bekhulile. Akufani nokokuba unakho kodwa yindlela enye yokunceda intsapho yakho ukuba awukwazi ukuhamba.
Ilifa akufanele libe zigidi zeedola. Ukukhupha ibhajethi yakho kwi-inshorensi yobomi bongezelelweyo ngoku ukuze abantwana bakho bafumane inzuzo emva kokuhamba kwakho akukona ukusetyenziswa kweendleko kwiintsapho ezininzi.
Intsapho Yakho Ayiyi kuxoxwa ngeBhili yoMngcwabo
I-National Funeral Directors Association ibhawula umyinge weendleko zomngcwabo we-$ 7,045 ngo-2012. Yiyo intengo yamanani amaninzi awakwazi ukuyifumana ngaphandle kwe-inshorensi yobomi.
Ukongeza kwiindleko ezintsha zokuqhuba ikhaya, ukunakekelwa kwabantwana kunye nemfundo nokulahlekelwa nguwe uye waba yimpembelelo enkulu yemali yakho intsapho kufuneka ijongane nentlungu yabo. Iindaba ezilungileyo kukuba, umgaqo-nkqubo wakho womshuwalense wosapho unokunceda ukucima konke oku kulahlekelwa yintlawulo. Imali ayiyi kuthatha indawo yakho kodwa ukwazi intsapho yakho iya kunyangwa ukuba awukwazi ukukunika uxolo kwengqondo.
Amathuba, uya kuba apha ukuphanga abazukulwana bakho kwaye mhlawumbi nabazukulwana bakho abakhulu. Nangona kunjalo, kwiintsapho ezininzi, ukuhlawula iidrama ezimbalwa zee-inshorensi yomshuwalense kwinyanga ziyenza ingqiqo. Ngophando olutshanje, unokufumana umgaqo-nkqubo we-inshorensi yobomi ehambelana nebhajethi yakho yentsapho eya kukunceda ulale ubusuku, ukwazi ukuba intsapho yakho ikhuselwe xa kwenzeka into ethile kuwe.