Indlela Yokugcina Imali kwiKholeji
Ikholeji ngowokuqala abantu abaninzi abaselula abajongene nokulawula impilo yabo yemihla yemali.
"Ngo-18, ke, ukuthambekela kukucinga ngokuphathelele 'inkululeko' ngokupheleleyo kunokuba 'uxanduva olupheleleyo'," kusho uStefanie O'Connell, umbhali we "Broke and Beautiful Life."
Ufuna ukunceda abantwana bakho bahlale kwindlela? Apha iibhasi zebhajethi ezili-15 ukugcina engqondweni, nendlela yokuhlawula iindleko:
Iimfuno ezibalulekileyo
IBhodi yeeKholeji iqikelela ukuba iincwadi kunye nokubonelela iindleko zexesha elizeleyo kwiikholeji zikawonke-wonke ze-$ 1,298 ngonyaka. Ukunciphisa: Thenga ukusetyenziswa, ukurenta endaweni yokuthenga (nge-Chegg.com), okanye ukwabelana ngesicatshulwa nge pal.
2. Iimoto
Ukupaka kwedwa kunokufumana ixabiso (imvume yokupaka ngonyaka kwiYunivesithi yaseArizona i-$ 672, umzekelo). Ukulinganisa iindleko zobulungu be-Zipcar endaweni yoko. Ubulungu buqala kwi-$ 7 ngenyanga, kwaye isikolo sakho singakwazi ukufumana iirhafu ezizodwa.
Ezinye iindlela
Ukuthatha iikhabhi, i-Ubers, i-Lyfts, okanye ezinye iinkonzo zokwabelana ngokuhamba ngokukhawuleza zongeza ngokukhawuleza. I-blogger yezemali yebhlogi uTess Wicks ayengazi ukuba uchitha imali engama-$ 200 ngenyanga kwi-Ubers ngaphambi kokupompa amabheki.
Ufuna ukuyiqwalasela, "utsho. Qinisekisa ukuba uthetha nabantwana bakho malunga nendlela abaya kuhamba ngayo xa besigqibo sokuhlala phi.
4. I-pizza (kunye nezinye ukutya)
Ngona isicwangciso sokutya, iindleko zokutya, ukutya kwee-usiku, kunye ne-pizza. Inqakrazo ukusetha imali efanelekileyo ukuchitha iveki ngokutya kwisicwangciso sokutya.
"Gcina iirekhodi zakho okanye usebenzise i-app, njenge-Mint, ukuhlaziya imali yakho kwaye uhlale uxanduva," u-O'Connell uthi. Bakhuthaze ukuba bathathe i-apula okanye ezinye iindawo zokutla ukudla ezivela kwihholo lokudlela ukuze ziqhube.
5. ICaffeine Fix
Ikofi ingaba yinto ebalulekileyo njengamanzi, kodwa ukuyithenga imihla ngemihla inokufumana ixabiso. Kwaye i-$ 2.50 yekomiti yejoe i-$ 77 ngenyanga xa ithengwe yonke imihla. Ukutshala imali kwi-Keurig, okanye kungcono nakhona, isicwangciso esihle sokusasa i-coffee-generic-generic maker, is a move move.
6. Ukuya kwisiGrike
Ukudibana nobudlelwane okanye ubudlelwane bungahlawula i-$ 1,000 nge-semester. Thetha kunye nezingane zakho, kusengaphambili, malunga nokuba oko kuhlahlo lwabiwo-mali. Ukuba bathembisa, bayazi ukuba amalungu asebekhulile, okanye "amaBigs," abelwe ukuhlamba amalungu amasha athiwa "Littles," kunye nezipho. Tshela umntu wakho omtsha ukuba asindise i-swag ukuze ihlaziye kunyaka olandelayo.
7. Imirhumo yeATM
Ukusebenzisa umatshini ongekho kwibhanki yakho kunokubiza imali engaphezu kwama-4 e-pop, ngokweBhanti.com. Isisombululo: Ibhanki kunye neziko elinamaziko amaninzi kwi-campus. Yaye ukuba unayo imali? Sebenzisa i-debit yakho okanye ikhadi lekhredithi, okanye uvumele abahlobo bakho bakhokhe kwaye babuyisele ngeVenmo.
8. Uhlamba
Qinisekisa ukuba bayazi ukwenza ngokwabo ngaphambi kokuba bahambe ekhaya ukuze bangalingeki ukuba bayithumele.
Ngokomzekelo, inkonzo yokuhlamba iLazybones ihlawulisa i-364 ye-semester kwizikolo ezithile. Ouch.
9. IFOMO
"Ukwesaba ukulahleka" kunokukhokelela ekuchithweni kweengqungquthela kwiikonkethi, iifilimu, kunye neCompression Break, u-O'Connell uthi. Isisombululo: Khuthaza abantwana bakho ukuba bahlolisise iziganeko kunye neekhalenda zobomi beeklasi zokuzikhethela, ukuboniswa kwe-movie, kunye nemiboniso yee-comedy-kwaye ubeke iingcamango zabo kubahlobo babo.
10. I-Bookstore
Izitolo zeencwadi zaseKholeji azikho nje iincwadi zokuthengisa. Ziyi-tech emporiums, ama-drugstores, ama-boutiques, kunye (ngamanye amaxesha) ama-mini-marts agxilwe kwelinye. Kwaye abafundi bahlala behlawula ukuthenga kwii-ID zabo. Tshela abantwana bakho ubuya kujonga lo mgca ngokucophelela.
11. Iidrafers Data
Idatha yefowuni ayithethi, kwaye xa uhamba ngaphaya kwemigangatho yakho ukhangele ufike kwi-15 yegigabyte eyongezelelweyo.
Tshela abantwana bakho ukuba imida yabo ecacileyo yintoni, kwaye ukuba bahlala kwisicwangciso seentsapho, bona ukuba unako ukubeka imida ethile yedatha kuphela. (Qaphela: Kufanele babe nomkhwa wokujoyina i-WiFi nanini kunokwenzeka.)
12. Ucoceko
Ingane yakho inokufumana ingqikelelo xa ifumanisa ukuba iindleko zangasese eziqhelekileyo zindleko. Ukuba bahlala kwiidorho, ngoko mhlawumbi banamashishini okugcina amanzi (oko kukuthi iphepheni yangasese kunye nesepha esandleni). Kodwa i-shampoo, i-conditioner, kunye nokuhlamba umzimba yinto ehlukileyo. Ikhuphoni zokusebenza ezifana ne-Shopsavvy kunye neComputerFollow, kunye ne-store apps kwi-CVS kunye ne-Walgreens, inokunceda.
13. Ukuza ekhaya kwieholide
Iindwendwe zasekhaya zindleko ezininzi njengeencwadi zezifundo, ngokukodwa kwieholide ezinkulu. Ukubetha, cwangcisa phambili-iintsuku ezingama-57 ukuya kwii-54 ngaphambi kwexesha, ukuba zichaneke, okanye ukuba awukwazi ukuguqula ukuba okungenani 21.
14. Ukusasazwa
Netflix. HBOgo. Spotify. IiNkonzo ezifana nalezi zingongeza ngokukhawuleza, kodwa ixabiso leekholejini linokukunceda kwezinye iimeko. I-Prime Student, i-Amazon Prime's student's discount, inikezela ngeenyanga ezintandathu zokuthunyelwa kweemoto ezimbini zeekholeji, kwaye emva kweenyanga ezintandathu, bafumana i-Amazon Prime ngama-50% (malunga ne-$ 50 ngonyaka). Ikholeji ye-Spotify i-$ 4.99 ngenyanga ngaphandle kweentengiso zimela isaphulelo sama-50%. I-Apple Music kunye neTidal ibuye ihlinzeke ngamashishini abafundi.
15. Ukushiya Imali Yemali Yenkululeko kwiiNgqungquthela
Ekugqibeleni, ukufundiswa. Ayikho-brainer, akunjalo? Kodwa "i-dollar eyi-3 billion iyishiywe etafileni ngonyaka xa kufikelele kwimali yokubhalisana," kusho uChristie Garton, umsunguli weNgxowa-mali yeeNkcazo ezi-1. Iziza ezimbini eziza kuhlola zifumaneka kwi-FastWeb.com kunye ne-Scholarships.com. Ukukhupha umthamo wakho wokubolekisa ngemali ngaphambi kokuba uhlalutye kubucala.
Kunye noKelly Hultgren