Kuqhelekile ukuba uphumelele ngemali mboleko. Abantu abaninzi baphathwe ngetyala labo bafundi, nangona bengenayo enye ityala. Nangona kunjalo, ukuba ityala lesikhwama somfundi linokukulimaza . Unokuzibuza ukuba kufuneka udibanise imali yakho yokubolekisa umfundi kwisikolo sakho sokuhlawula ityala okanye ukuba ufanele ukhathazeke ngokuhlawula imali yakho yemali mboleko. Inyaniso kukuba ufanele ukuhlawula imali yakho yemali mboleko ngokukhawuleza. Ezi nyathelo ezisixhenxe ziya kukunceda uhlawule iimali-mboleko zakho zabafundi ngokukhawuleza . Nazi izizathu ezintlanu kufuneka ugxininise ekuhlawuleni imali yakho yomboleko .
01 Nciphise i-Matyala akho kwiRatio yeNgeniso
02 Kuthiwani malunga nokuPhula kweRhafu?
Enye into engaqhelekanga yokungaziqondi ngokumalunga nokubolekwa kwabafundi kukuba kufuneka uwagcine ekuphumeni kweerhafu . Esi sinokuba nesizathu esaneleyo sokubeka imali mboleko kumfundi ekupheleni kwetyala lebhola le-snowball , kodwa kufuneka uqaphele ukuba kuphela imali engama-2500.00 yemali inokutsalwa ngonyaka. Ukongezelela, isixa siqala ukuphuma xa wenza i $ 65,000.00 ngonyaka xa ungatshatanga. Ekugqibeleni, uya kugqiba ukuhlawula imali okanye inzala okanye intela. Kungcono ukulahla iimali-mboleko zomfundi kunokuba zixhomeke kubo ngenxa yokuphulwa kweerhafu; uya kuphinda uhlawule unyaka ngamnye kwiintlawulo zemboleko zabafundi kunokuba ungathanda ukuba uhlawula irhafu yakho.
03 Ingakanani Imali-mboleko Yomfundi Eyokubiza?
Nangona unako ukususa ininzi inzala ohlawula umboleko wakho womfundi, kufuneka ucinge ukuba ulahlekelwa yintoni imali enyangeni nganye kuba unayo intlawulo. Ukuba utyalomali kwingxowa-mali , unokufumana iirhafu eziphezulu kwi-investment yakho. Nangona ungahlawulanga umdla, ulahlekelwa ngumvuzo wokufumana inkokhelo yentlawulo nganye ngenyanga. Kufuneka ujonge kwakhona ngeendleko zithuba olahlekelwayo ngenxa yokuba unentlawulo yenyanga. Unokwazi ukugcina ngokukhawuleza ekuhlawuleni kwakho kwikhaya xa ungekho unyanzelekileyo ngenyanga okanye unako ukuvula ibhishini lakho okanye usebenzele ezinye iinjongo ukuba ungazixhalali malunga netyala. Ngaphandle kokuhlawulwa kwemali-mboleko, unokukwazi ukuthatha ingozi enkulu kunokuba ungenjalo. Umboleko wakho womfundi unokukubamba ukuba wenze izinto ofuna ukuzenza. Iintlawulo zakho zemboleko zomfundi ziyakunqanda ukusindisa kwiholide lakho okanye ukuthatha isinyathelo esilandelayo kwisicwangciso sakho semali.
Umtsalane weNgxowa-mboleko ye-Student 4 Ngokuqinisekileyo awukhunjulwa
Abantu abaninzi abaxhamliwe ngetyala lesikhwama somfundi ba nethemba lokuba i-bankruptcy ingabangela isisombululo kwingxaki yabo. Nangona kunjalo, ukuba uvakalisa i-bankruptcy, ufanele uhlawule imali yakho yokuboleka imali. Indlela yodwa yokukhusela oku kukukhubazeka ngokusisigxina okanye ukufa. Ukuba ushaya i-spell yenhlanhla, kuyona kunzima ukubuyela emva kwezinto kunye neentlawulo zemboleko . Xa uhlawula imali yakho yokuboleka imali, uya kulungeleka ngakumbi ukujongana neengxaki zemali ebomini bakho. Ukuba udibanisa iimali-mboleko zakho, unokuphela ukuhlawula kubo iminyaka engamashumi amabini kunokuba ishumi. Ngokukhawuleza xa unokuqala ukwenza ingxaki ebalulekileyo kwi-mboleko yemboleko. Unokukhangela kwakhona ukuba ubone ukuba ufanelekile ukuba uxolelwe ngemali yokuxolelwa kwemali mboleko eya kukunceda uhlawule ityala lakho lomboleko ngemali ngokukhawuleza.
05 Yeka ukukhathazeka ngemali
Xa unetyala, ukukhathazeka kwezezimali kunye noxinzelelo kuphezulu kunokuba unetyala elingenanto. Ukuba ufuna ukunciphisa uxinzelelo lwezezimali, kufuneka usebenze ekuhlawuleni imali yakho yomboleko. Nokuba ngaba imali yakho yemali mboleko iphela ekupheleni kwesicwangciso sakho sokuhlawula ityala, unokuzuza ngokusebenza ekuphumeni kwetyala kwaye unciphise inani olimele. Kufuneka udibanise iimali-mboleko zabafundi bakho ngasese ngokuhlawula ityala lakho labathengi njengamakhadi ekhredithi kuba abafanelanga ukuphulwa kweerhafu lomfundi. Ukufumana uhlahlo lwabiwo-mali, kwaye ukwenza icebo lokuhlawula ityala linokukunceda ukucima ityala lakho kwaye kwenze ukuba ukwazi ukuyeka ukukhathazeka ngemali. Kuya kuba yinxalenye yesicwangciso sakho xa uqala ukuphumelela kwikholejini .