Kutheni Abazali Kungenakufuna Ukubambisa I-College All Burden
Njengomzali uziva unembopheleleko ethile yokunyamekela abantwana bakho kwiminyaka yabo emncinci kwaye ubanike isiqalo esihle ebomini. Usebenze kanzima ukugcina imali, kwaye ixesha lifikile ekugqibeleni ukuthumela phambili ukuthumela umntwana wakho okhulile ngoku esikolweni. Ugqityile i-FAFSA, wancedisa umfundi wakho ukuba afake izicelo zokufumana iimali-mali, kwaye uthelekise uncedo lwezemali ukuza kwisigqibo sokugqibela.
Kodwa kusekho inani elithile leendleko eziza kufuneka zifakwe ngetyala lemali . Umbuzo omele uzibuze wona ngoku, ingaba zininzi zezi mboleko zemfundo kufuneka zibe ngumsebenzi wakho wokufunda, kwaye kufuneka ube ngowakho. Ingaba uyenza umntwana wakho nayiphi na imiphumo ngokungambandakanyi naye kumthwalo wemali okanye ngaba unembopheleleko wakho njengomzali wokunyamekela yonke into? Nazi izibonelelo ezimbalwa onokufuna ukuziqwalasela xa ugqiba ukuba ngaba ufanele uvumele umfundi wakho akhokhe imali ekholejini :
- Umntwana wakho ufunda indlela yokulinganisela izigqibo zemali: Uyazi ukuba kukho izinto ezininzi eziya kwizigqibo zemali kumntu omdala, kodwa umntwana wakho akanako ukuqonda le nkqubo. Ulinganisela iindleko kunye neenzuzo zobunini bendlu, ukuthengwa kwemoto, ukulungiswa kwempahla kunye nokugcinwa komhlala phantsi kwisigqibo sezimali zonke ozenzayo. Ukuba akukho banikunike icebiso xa uselula, usenokuba wenze iimpazamo ezimbalwa endleleni. Musa ukumnciphisa umntwana wakho ngeli thuba ukuze afunde. Xoxa ngeenzuzo zekholeji nganye, inani lemali eliya kufuneka libolekwe ekugqibeleni, ukufumana i-future earnings, kunye nefuthe lobomi lokuba nemali-mboleko yemfundo ephezulu.
- Umfundi wakho unalo "isikhumba emdlalweni": Ukuba uhlawula yonke into, ngoko umfundi wakho akanakho ukukhuthaza ukuba uphumelele. Unokuziva unyanzelekile ukuyeka, okanye ungazami nzima. Xa abafundi bayazi ukuba ikusasa labo lezemali libaxhomekeke ekwenzeni kakuhle kwiikholeji, banakho ukuhlawula ngakumbi oko bakufundayo.
- Izakhono zohlahlo lwabiwo-mali: Sonke siye sava malunga nabafundi abacela imali rhoqo xa bebanxibelelana nabazali babo, okanye abo baninzi abakhupha iimali-mboleko zabo zabafundi baze bachithe imali ngokugqithiseleyo. Abanye baleka emgibe wekhadi lekhadi lesikweletu. Izinkampani ziza kufakelwa ukutyelela iikholeji zeekholeji zinikeza amakhadi anomdla ophezulu kubafundi abangenayo izakhono zohlahlo lwabiwo-mali. Abafundi banomuva nje ukuba le nto ihamba ngemali, kwaye ihlawula zonke iintlobo zezinto ezingenasidingo ezingenasidlangalaleni, kwaye zothuswa xa iinqununu ziqala ukungena. Ukwenza isicwangciso sokubuyiselwa imali mboleko yabafundi kuyisinyathelo sokuqala esihle sokufunda malunga nokuhlawula imali hlawula umdla. Fundisa umfundi wakho ukuba aqokelele uhlahlo lwabiwo-mali oluqikelelweyo kunyaka, ukuboleka kuphela into efunekayo ukuhlangabezana nalo bhajethi, kunye nokuzikhusela ngokukhawuleza ukuthatha ikhredithi eyongezelelweyo ngaphandle kokucinga ngokucokisekileyo ngemiphumo yesikhathi eside.
- Kukulungele wena nentsapho yakho: Ngaphandle kokuba umfundi wakho ngumntwana kuphela okanye unemali engenayo eyaneleyo, ukuhlawula iikholeji ubeka umthwalo owongezelelweyo kuyo yonke intsapho. Akunakuphela nje ukuhlangabezana neendleko zakho eziqhelekileyo, ngoku uhlawula iindleko zomntu onokuthi angahlali ekhaya lakho ngoku. Abanye abantwana basenemisebenzi yabo, kwaye banokukhangela phambili kwiiklasi zabo. Unokuba nabazali abakhulileyo ukunyamekela, kwaye unemithwalo yemfanelo yakho yemali kunye nokucwangcisa umhlala-phantsi ukuba ucinge. Ukuba uzinyamekela ngoku kunye nakwixesha elizayo, amathuba akuyi kuba nguye ojika kubantwana bakho ukuze uncede uncedo lwezemali xa kufuneka imfuneko.
Qinisekisa ukuba uhlala phantsi kwaye uxoxe ngokucokisekileyo nenkqubo yakho yokucinga nomfundi wakho. Hamba ngokucacileyo ukuba uya kuba uzimisele kangakanani ukuhlawulela kwaye unokulindela kangakanani ukuba uphumelele kwiikholejini yakho ukuhlawula imali ezayo.