Iingcebiso Ukufundisa abantwana ukuba basebenzise ngokufanelekileyo iitaliti
Ngokutsho kwe-Jump $ tart Coalition, ummeli wokufunda nokubhala ngemali, omnye kwabafundi abathathu abaphakamileyo abakwii-high school basebenzisa amakhadi-mboleko. Abaselula namhlanje bangabathengi, ukubethelela iibhiliyoni zeedola kwizoqoqosho, ngoko kukho into ekumele ikhulunywe ngayo ngokufundisa ukuba basebenzise amakhadi esikweleti ngokufanelekileyo ngaphambi kokuba baye kwiikholeji okanye ngaphandle.
Kutheni abatsha kufuneka basebenzise isikweletu?
Amakhadi esikweleti anika ithuba ngokufanelekileyo, kodwa injongo yawo ephambili kufuneka kubekho ukudala imbali yamatyala entle ukwenzela ukuba ixesha lakho lifike umntwana wakho:
- bafanele ukubolekwa kwemoto kunye nemali yokuthenga imali
- unokukwazi ukurenta indlu
- bafanele ukufumana ixabiso lentlalo efanelekileyo kuzo zonke iintlobo zemboleko
- fumana abaphantsi be-inshurensi yomshuwalense kunye nabanini
- banelungelo lokufumana umsebenzi (abaqeshi baqhubeka besebenzisa amanqaku ematyala xa bavavanya abaviwa)
Indlela efanelekileyo yokufunda idla ngokukwenza. Ukuba nekhadi lesikweletu esikolweni esiphakeme kunokuba luncedo xa
- umntwana ochaphazelekayo
- Umntwana ufumana ikariti yekhredithi enomlinganiselo omncinane wesikolodo
- Abazali bajonge ukusetyenziswa kwemali kunye nentlawulo yenyanga
- Abazali baxoxa ngezenzo ezenziweyo, iimpembelelo kwezo zigqibo, iindleko ezifihliweyo kunye ezifihliweyo kunye nentombazana
- Abazali benze iziphakamiso zenguqu ezintle
Amakhadi ekhredithi amantombazana kufuneka alawulwe njani?
Ngaphambi kokuba abatsha bafumane ikhadi lekhredithi, kufuneka babe ne-akhawunti yabo yokujonga kwaye bazi ukuba njani
- ukubhala ukuhlola
- gcina i-check check rejista
- ukulinganisela i-checkbook nganye nyanga
Bona, kungekhona abazali babo, kufuneka babhale iteksi ehlawula ibhalansi yenyanga yamatyala yenyanga, ngoko umntwana uselula ukuqonda ukuxhamla phakathi kwemali kunye nekhredithi kunye nokuba umntu uthinta njani omnye.
Intsha kufuneka igcine irekhodi lokuthengwa kwekhadi lesikweletu abayenzile ngenyanga leyo, ngokupheleleyo.
Xa befikile imali abanakho ukuyihlawula ekupheleni kwenyanga, kufuneka bayeke ukusebenzisa ikhadi ngaphambi kwenyanga ezayo.
Abazali kunye nentsha kufuneka baxoxe ngeentlobo zokuthenga ezifanelekileyo nekhadi lesikweletu. Umzekelo, ukuthenga okufanelekileyo akubandakanyi nantoni na ongayidla, ukusela okanye ukugqoka.
Ukuqhathanisa ukunikezelwa kwiikharityhulam zamakhredithi zabafundi, uye kwiWebhsayithi ye-BankRate (www.bankrate.com) kwaye uphendule "Iikhadi leMatyala zabafundi ." Xa uvavanya ukunikezelwa kwekhadi lesikweletu, fumana yonke into ngokubhala kwaye ufunde zonke iinkcukacha, ngokukodwa ukushicilelwa okulungileyo.
Amakhadi ekhredithi esikhokhelwa ngaphambili ayenye enye into efanelekileyo yokuthenga amakhadi wesikweletu ngamatyala kwaye angasebenza njengoluhlobo lweevili zokuqeqesha ukukhuthaza abantu abatsha ukuba basebenzise ngetyala ngokuhlakanipha. I-Visa Buxx enye ikarada enjalo, evumela abazali ukuba banciphise ukuchitha imali ngekhadi lesikweletu ngokudluliselwa kwiakhawunti yabo yokukhangela kwikhadi. Bayakwazi ukubeka iindleko zabo kwimali ekwikhadi ngeengxelo zenyanga okanye kwi-intanethi.
Indlela efanelekileyo yokuxhaswa kwikhadi elihlawulwe kuqala liyimali yengane (inokukunika enye yemali abayifumanayo ngokusebenzisa izibonelelo, imisebenzi, okanye izipho, kwaye unakho ukuxhaswa ikhadi). Xa ukhetha ikhadi elihlawulwa kuqala, khangela iiflawulo.
Ezinye iinkampani zekhadi zekrediti zekredel kwaye zinokukufa ngaphambi kokuba uthenge nokuthenga.
Amakhadi ekhredithi aphantsi ayenye enye indlela. Ukubhaliswa komzali kunye nentombazana yabo kule makhadi kwaye usethe umda ophantsi weekhredithi ezingama-$ 200 ukuya kwii-300 zama-300.
Ngaba kufuneka ubhekele ibheyili yakho?
Abazali abakhankanya i-adolescence yabo xa befika phezu kwentloko yabo ngekhredithi abenzi abantwana babo nantoni na ukuba bafumane ithuba elide. Kungcono ukubandakanyeka ngokwaneleyo kunye nokusetyenziswa kwetyala lakho kwentsha ukuze ukwazi ukuphazamisa iingxaki ezinokuthi ufumane intsingiselo ekugqibeleni kunokuba unike umfana wakho umyalezo ukuba angasebenzisa iitaliti ngokungenakuphikelela kwaye angayihlawuli imiphumo.
Umgca ophantsi
Amakhadi eemboleko kufuneka abhekwe njengento elula kwaye engekho ukongezwa kwemali engenayo. Injongo yokuba intsha ifunde ukusebenzisa amakhadi eemboleko njengesixhobo, kungekhona njengengqayi.