Ukukhulisa abantwana kuhamba kunye nexabiso lentengo - inkunzi. ISebe lezoLimo lase-United States liqikelela ukuba iindleko ezivakalayo zokukhulisa umntwana omnye, ukususela ekuzalweni ukuya kwiminyaka eyi-17, zibe ngu-233,610. Xa ukunyuka kwamaxabiso kuthathwa ingqwalasela, eso sibalo sitshilo ngokukhawuleza kumgama wama-300,000 wemali kumntwana ozelwe namhlanje.
Sivame ukuva ukuba ukuthenga indlu yindleko enkulu kakhulu oza kuyithatha, kodwa ukukhulisa abantwana abancinci kuya kudlulela kuninzi kubantu.
Yongeza kwikholeji okanye iindleko zokukhulisa ababini okanye ngaphezulu abantwana, kwaye unokuthenga indlu yakho kabini kwiindawo ezininzi.
Kodwa njengokuba ulungiselela ukuthenga ikhaya , unokufuna ukufumana amadada akho emali phambi kokuba ukhethe ukuzisa iincinci zakho ezincinci kweli hlabathi. Nazi izinto ezinhlanu zemali omele ukuzithoba ngaphambi kokuba ube nezingane.
Yiba kwiCandelo eliSebenzayo
Ukuseka imeko ekhuselekileyo yomsebenzi ngaphambi kokubantwana kubalulekile. Nangona oko kunokuthi ukuqeshwa kwendabuko, ukuqeshwa emsebenzini, okanye ukudibanisa kwayo, ufuna ukuba nesiseko esizinzileyo esiza kuxhasa intsapho yakho ekhulayo.
Cinga ngeendlela zemisebenzi onokuqhubeka ngazo emva kokuba abantwana bakho bazalwe, kunye nabemivuzo eya kuhlawula iindleko zokunakekelwa kwezingane-ezimalunga nama-16 ekhulwini weendleko ezipheleleyo zokukhulisa umntwana, ngokulinganayo.
Kukho okungakumbi ukuqwalasela ngaphezu komvuzo. Khawucinge ngomsebenzi oza kukunika iinjongo ezifana nekhefu lokubeleka okanye uhambo lokuhamba. unyango lwezempilo kunye nokunakekelwa kwamazinyo; kwaye unemigaqo-yekhefu yomntu oyimpilo / yokugula ukwenzela ukuba ukuthatha usuku ukunyamekela umntwana ogulayo akuthethi ukuba uphumelele kwintlawulo yomhla.
Unako ukufumana imali engenako
Ngelixa i-233,610 iindleko zifana neninzi (kwaye yiyo), loo mali ihlalela kwi-12,980 yeenyanga okanye i-$ 1082 ngenyanga ngenyanga komntwana omnye. Sebenzisa iindleko zokukhulisa i-Calculator yoMntwana ukuze ufumane ingcamango engcono yeendleko zakho zonyaka ukuqikelela ukuba unendawo eyaneleyo kwibhajethi yakho ngaphambi kokuba iindleko zifike.
Esi sixhobo senza uhlengahlengiso kwimali engenayo kunye nezinye iinguqu eziza kuphazamisa imeko yakho.
Ukuqhuba le manani kukunika ingcamango yokuba ubuninzi beengeniso zakho ezifunyenweyo ziya kubelwa ukukhulisa abantwana. Ungakwazi ukufikelela phambili komdlalo ngokulondoloza unyaka okanye ngaphezulu (okanye ngokubanzi kunokwenzeka) kwezo zindleko eziqikelelweyo.
Yiba neNgxowa-mali eNgxamisekileyo kwindawo
Ngenxa yokuba ukubeletha kuyinto enokukuzisa kwi-zoo ngelinye ilanga kunye ne-ER elandelayo, ukulungelelaniswa ngemali xa ungenakulindeleka xa unabantwana kungenakudingeka.
Ukususela ekugubungeni i-copay ngenxa yomlenze ophukileyo ukuya kwintengiso ye-inshorensi yokuqala ye-fender-bender yakho, ukuba neengxowa-mali ezixakeka kwiinyanga ezintathu ukuya kweyesithandathu iindleko ziya kukukhusela wena kunye nosapho lwakho ukuba ungagxininiswa yimiphefumlo engenakukuphepha.
Nika isandla kwiRhafu yakho yomhlalaphantsi
Njengoko abantwana bakho bekhula, iindleko zokubakhulisa ziya kukhula, ngoko uqinisekisa ukuba unako ukugcina umhlalaphantsi ngaphambi kokuba uhambe kakuhle.
Njengoko uxanduva lokugcina umhlalaphantsi lwakho luya kuhlaselwa kuphela kumahlombe akho, ukufaka isandla kwisikhwama somhlala phantsi ngaphambi kokufumana abantwana abayikukhusela kuphela ikusasa lakho, kodwa kuya kunciphisa umthwalo onokubakho wabantwana bakho ukuba uxanduva lwakho ngokwezimali njengoko uneminyaka yobudala.
Yiba kwindawo yokugcina iKholeji
Abantu abaninzi abanangqiqo malunga noko kuthatha ukuthatha ukujongana (ukunyuka) kweendleko zeekholeji. Inkqubo yemboleko yesikweletu semboleko yomfundi ibuhlungu minyaka yonke, kwaye akukho nto ibonisa ukuba iya kujikeleza nayiphi na ixesha kungekudala.
Kukho iindlela zokunciphisa umthwalo wemali wena kunye nabantwana bakho bexesha elizayo abaya kuhlangabezana nabo xa befikelela kwiikholeji ubudala, kwaye okulungileyo kukukhusela. Ukuba uqinisekisa ukuba usemgangathweni wokugcina imfundo yekholeji yakho ukusuka ekuzalweni, uya kubabeka ukuba ube phambili kweklasi - ekuncineni ukuthetha ngokwezimali.
I-Case-Case imeko
Ngokufanelekileyo, uya kukwazi ukutshitshisa le miba ephambili ngaphambi kokuba ube nezingane. Kodwa qaphela ukuba zimela imeko efanelekileyo kakhulu. Ukungakwazi ukutshekisha konke oku kuluhlu akuthethi ukuba akufanele ube nezingane okanye ukuba ulungele ukutshabalalisa imali xa ukwenza.
Kunoko, mayeke bakhonze njengeenjongo zokuba bazi kwaye bafikelele. Uninzi lwalezi ziganeko eziphambili ozifumanayo ngaphambi kokuba ube nezingane, iingxaki ezincinci zemali oza kuba nazo ngelixa uzikhulisa.