Ngaba kuya kunceda bahlawule ityala labo kubangela ingozi ngaphezu kokulungileyo?
Emva kobunzima bezoqoqosho, abantu abadala abasenokuba neengxaki zokuhlala bodwa. Abantu abadala abaneminyaka engama-25 ukuya ku-35 bahlala nabazali babo, ngokuqhelekileyo kuba ukuhlala bodwa kwiholo elingenakwenzekayo akunakwenzeka. Umntwana wakho unokuba nzima kakhulu kangangokuthi acele okungaphezu kwegumbi lokulala; banokucela uncedo lokuhlawula amatyala abo. Okanye, ukuba ubona bezama ukunyamekela ngemali, unokucinga ngokuzithandela uncedo lwakho.
Ngayiphi indlela, musa ukwenza izigqibo ezikhawulezayo. Thatha ixesha lokucinga ngalo, xubusha kunye neqabane lakho, uze unike impendulo yakho.
Zininzi izinto ezinokuthi zidlale, kodwa ziza kwizinto ezimbini eziphambili: impembelelo kwiimali zakho nokuba ngaba ukuhlawula ityala kunceda okanye kukuvumela umntwana wakho.
Ngaba Unako Ukuhlawula Iitaliti Zomntwana Omdala?
Khangela okokuqala ngemali yakho. Ngaba unetyala ? Ngaba unako ukuhlawulela ngokufanelekileyo ukuhlawula ityala? Uya kufuneka uhlehlise umhlalaphantsi ngenxa yokuba uhlawula ityala lebhokhwe lakho? Okanye kuthekani ukuba imali yakho inzima kangangokuthi awukwazi ukukwazi ukubeka ukutya kwitheyibhile yakho? Kuthekani ukuba ufanele uhambe ematyala ukuze uncede umntwana wakho ahlawule ityala abayidalile? Musa ukuhlawula ityala lakho kukulimaza kwakho.
Ngaba Ngaba Kuza Kuhlawulwa Imali Engaphezulu?
Cinga naluphina impembelelo yentlawulo yokuhlawula ityala lomntwana wakho, ukuba uceba ukuhlawula ngaphezu kwe-13,000 yeli lizwe njengesipho kubo.
Iwebhusayithi ye-IRS ineenkcukacha kwerhafu yesipho kunye nomcwangcisi wakho werhafu okanye umcebisi-akhawunti unokuchazela impembelelo enokubakho kwiirhafu zakho zerhafu.
Ngaba Ungayibhalisene NamaTyala kuMbuzo?
Ukuba umntwana wakho unzima ukuhlawula umboleko okanye ikhadi lekhredithi oyibhalisile, akungabazeki ukuba kufuneka wenze iintlawulo. Ukukhanyela ukunceda, kule ngxaki, kuya kubangela ubuhlungu bokulinganiswa kwesikweletu sakho kuba ezi akhawunti zidweliswe kwingxelo yakho yekhredithi .
Bhatala ubuncinci ubuncinci. Kodwa cinga ngesisombululo sexesha elide, njengokuba usususe kwimboleko mboleko , ukuba umntwana wakho akakwazi ukuqhubeka nokuhlawula emva kweenyanga ezimbalwa.
Isayinitsha sakho sinika ibhanki ilungelo lokuza emva kwakho ngenkokhelo. Bangakwazi ukukugweba kwaye bafumane imvume yenkundla yokuhlaziya umvuzo wakho okanye ukuhlawula i-akhawunti yakho yasebhanki. Ukuba umntwana wakho ufumana ukutshabalaliswa kwebhanki kumatyala akho ahlangeneyo, uya kuba noxanduva ngokupheleleyo kulo naliphi na imali eseleyo kwiakhawunti ezityinwe ngokubanjelwa ukuba iibhanki zingavunyelwe ukuqokelela kumntwana wakho.
Qaphela iziphumo ezingalindelekanga
Bhatala ityala lomntwana kwaye baqale ukucinga ngawe njengokhuseleko lwabo lomnatha. Basenokungenzi kakuhle imichimo yezemali eyaziwayo ukuba uya kuba khona ukuba ubhenele ngaphandle ukuba badibanise. Yenza ukuba wazi ukuba uncedisa ngexesha elilodwa kwaye umele umgangatho wakho ukuba umntwana wakho ubuyele kuwe uncedo.
Ukunciphisa ibhalansi yekhadi lomntwana wesikweletu sakho kuvula kwakhona i-credit yabo ekhoyo, ukubenza bakwazi ukuqhuba iikhredithi ezinkulu kwakhona. Kwakhona kunokuba nefuthe elihle kumanqaku abo okuthenga ngetyala, okuya kubavumela ukuba banelungelo lokufumana amakhadi angaphezulu.
Ukuba umntwana wakho ucela uncedo lwezezimali, uya kuba ngumboleki kunye kwaye ufanele unyame ulwalamano olufana nomboleki.
Hlola kuphela ukuba umntwana wakho unokukwazi ukukuhlawula, kodwa nokuba ngaba unokukuhlawula. Enye into yokunceda umntwana ojongene nexesha elinzima, omnye ukuba ancede umntu ongenamdla kwaye ongenakuphatha kakuhle imali yakhe.
Unokugqiba ukubolekisa umntanakho imali yokubuyisela amatyala abo kunokubanika izipho kubo. Ukuba nomntwana wakho omele unokubeka ingxaki kubundlelwane bakho, ingakumbi ukuba umntwana wakho akakwazi ukuhlawula okanye awuzimisele ukubuyisela. Umntwana wakho angavuma ukukuhlawula xa unqwenela uncedo, kodwa kamva angakukhathaza ngokufuna ukuba bahlawule.
Ukuba Unquma Ukunceda
Hlola iimpawu zemali ezenze umntwana wakho abe ngetyala kwaye eze nesicwangciso sokujika izinto. Yenza le meko enceda ngayo.
Unokubamba ingxaki nomntwana wakho. Uhlawula isiqingatha sentyala ukuba baya kuhlawula esinye isiqingatha. Unokwenza imali yokuhlawula isamba okanye ufanise iintlawulo zabo ngenyanga, ufana nomqeshi 401 (k) udibanisa. Unokufuna ukuba bafumane uncedo lwezemali kwi-credit okanye enye ingcali yezemali njengomsebenzi oncedisayo. Okomncinci, umntwana wakho kufuneka afumane ingqiqo yeengcamango ezisisiseko zezemali, njengokuphathwa kwemali kunye nokunciphisa amatyala .
Okanye, Ukuba Unquma Ukungaxhasi
Ukuba unquma ukwenza uncedo, cacisa isizathu. Umzekelo, "Asinakukwazi ukukunceda kwangokunje" okanye "Sikholelwa ukuba kukulungele ukuba usebenze indlela yakho ngaphandle kwemeko yakho." Nangona ungababoleki ngemali, usenako kubekho ukhokelo nenkxaso. Batshengise kwindlela efanelekileyo yobutyebi obungabancedisa kuloo meko.