Sebenzisa le Iingcebiso ukuze ubuyekeze imeko Yakho yezeMali
Ukuba ucinga kuphela impembelelo yemali yokuba nabantwana, unokuphela kokungenamntwana. Azikho iindlela ezimbini malunga nalo: kuba nomntwana ubiza kakhulu. Iingcali zezezimali zithi ikhaya likhulu lolutsha-mali oluza kubakho, kodwa bayakhohlwa malunga neendleko zokukhulisa abantwana, okugqithise ngaphezu kwexabiso lemali lasekhaya e-US.
Ngethamsanqa, abaninzi abantu abasisisisisisisisi sigqibo esibalulekileyo kwimicimbi yezemali kuphela, kodwa njengawo nawuphi na isigqibo esichaphazela imeko yakho yemali, kulungile ukuba ungene kuwo amehlo akho evulekile kwaye ulungele.
Utshintsho oluhamba kunye nokongeza ilungu elincinane kwintsapho yakho lunokuxinzelela, kodwa unokunciphisa uxinzelelo olukhulu ngokunciphisa ixabiso lemali.
UkuCwangcisa ngezeMali kwiNtsana entsha
Okokuqala, ingqalelo ukuba uya kuqhuba njani kwiholo elincinci elibangelwe ixesha lokukhulelwa nokuzalwa? Hlola nomqeshi wakho ukuba ubone i-inshorensi yokukhubazeka yesikhashana, ebonisa ukukhulelwa. Umgaqo oqhelekileyo uza kuhlawula i-60% ukuya kwi-70% yengeniso yakho epheleleyo malunga neeveki ezintandathu emva kokuzalwa komntwana wakho (kunokuba nexesha lokulinda kweveki).
Nangona ungenayo i-inshorensi yokukhubazeka, umqeshi wakho unokufuneka ukuba anike ixesha lokuya phantsi kwe-Family Health Act Act (FMLA), kodwa akudingeki ukuba akhokhe ngelo xesha. Ingaba uza kufumana umvuzo okanye ukukhubazeka okanye akunjalo, cwangcisa ingeniso yakho kunye neendleko ezilindelekileyo uze uqiniseke ukuba unokufikelela kwimiphumo.
Hlaziya iSicwangciso soNyango lwezeMpilo
Nangona uhlolisisa i-inshorensi yokukhubazeka, qiniseka ukuba uyazi ukuba ulindele ntoni kwi-inshorensi yakho. Ukukhulelwa kufuneka kuphathwe njenganoma yintoni enye imeko yonyango, oku kuthetha ukuba ayikwazi ukukhutshwa ngaphandle, kodwa imimiselo eqhelekileyo yomgaqo-nkqubo iya kugunyazisa ukuba uza kufikelela phi imali ekuphumeni kwakho kwi-pocket yakho.
Cinga i-deductibles, uhlawule ngokukodwa (u-20% oyawuhlawula inkampani ye-inshorensi ihlawula i-80% kwisicwangciso sohlobo lwe-HMO), njl njl. Nanjalo, fumana ukuba kuya kuba neendleko ukwenzela ukuba wongeze i-inshorensi yonyango eyongezelelweyo. nkqubo. Ukuba bobabini kunye neqabane lakho ninomshuwalense wezempilo okhoyo kumqeshi wakho, jonga imigangatho kunye neendleko zombini nkqubo kwaye wenze isigqibo sokuba ngaba kunengqiqo kakhulu ukuba zonke zihlanganiswe kwisicwangciso esinye okanye ukuhlula phakathi kwezicwangciso ezimbini.
Ukuba umqeshi wakho unikezela i-akhawunti yokuchithwa kwemali, kuya kuba bubulumko ukubeka imali kuyo ukuze uhlawule iindleko zonyango ezingahlawulwanga. Ngenkcazo yee- akhawunti ze- Flexible Spending Accounts , khangela i-Maximize Iingeniso Zakho Zokuqesha.
Hlola iindleko zokuNakekela abantwana
Mhlawumbi iindleko ezinkulu kakhulu eziza kubakho emva kokuba umntwana azalwe (ngaphandle kwezemfundo yekholeji) kukunyamekela abantwana, okubaluleke kakhulu kwiintsana. Nangona umntwana wakho ekhulile ngokwaneleyo ukuya esikolweni, uya kuba nokunyamekela esikolweni emva kweenkampu, eenkampu zasehlotyeni kunye nezinye iindleko ezinxulumene. Khangela ababoneleli bonyango kwangaphambi kokuzalwa komntwana wakho ukuze ufumane into oziva ukhululekile kunye kwaye unokukwazi ukufumana. Ukuba ufuna ukukwazi ukukhupha iindleko zokunyamekela kwabantwana kwimali engenayo engenayo , uza kufuneka ukhethe umnikezeli onikwe ilayisenisi kuba kufuneka unike ingxelo kwinombolo yezokuphepha yentlalo kwi-IRS xa ibanga ukutsalwa .
Ngokukhawuleza xa uqala ukucinga ngokuba nosana, qalisa ingxowa yentsana. Beka inani elimisiweyo kwi-akhawunti nganye kwixesha lokuhlawula ukuhlawula iindleko ezingalindelekanga (ngokuqinisekileyo kuya kuba kunye kwaye ndiqinisekisa ukuba baya kuba baninzi kunokuba nike niphupha).
Ukuzingela ngokubambisa izixhobo zezingane kunye nezinto. Kubalulekile ukuthenga isihlalo sonyango esihle, umqhubi, njl, ukuqinisekisa ukhuseleko lomntwana wakho, kodwa umntwana wakho uya kuphuma ngokukhawuleza uninzi lwezinye izinto ozithengayo, kwaye ukuhlawula ixabiso elipheleleyo lidla ngokuba yinkcitho yemali. Thetha nabahlobo, khangela izitolo ezithengisa iimpahla ezisetyenzisiweyo, ukutyelela ukuthengisa kweeyadi, njl. Ingane yakho ayisoze yazi umahluko.
Ukukunceda ufumane ukutshintshwa kweenguqu kwiimali zakho kunye nokongezwa komntwana, uya kufuna ibhajethi. Fumana indlela engenabuhlungu yohlahlo lwabiwo-mali kwi- Budget 101 . Ukuba awuqinisekanga ukuba uhlahlo lwabiwo-mali luyimfuneko, khangela izixhobo eziza kunceda uhlole iindleko zokukhulisa umntwana.
Emva kokuba uvavanya iindleko kwaye ufike ngecebo lokubafihla, ungahlala kwaye ujabulele ukongeza kwintsapho yakho.