Funda indlela yokukhulisa ukuLondoloza kweKholeji
Nangona iitalente zemfundo zingasetyenziselwa ukuhlawula iindleko zekholeji, azikho isisombululo esihle. Imboleko yemfundo ingenza kube nzima ngabafundi ukugcina okanye ukucwangcisa ezinye iinjongo zemali emva kokugqiba. Ukuthatha imali yemali-mboleko yomfundi njengokuba umzali angenza ukuba ucwangciso lwakho lomhlalaphantsi lube nzima kunzima.
Ukuphuhlisa isicwangciso sokugcina nokulungiselela iikholejini kungekudala, kunokukunceda ukuba ugweme i-pinch yemali. Ukuba uneminyaka elishumi okanye ngaphezulu ukuya kwinqanaba lomntwana wakho esikolweni, zizinto ezibaluleke kakhulu zokwenza (kwaye ungenzi) ukuze uzilungiselele ngemali.
Unyaka owodwa: Hlola iinjongo zakho zokugcina iikholeji
Xa ucwangcisa ukugcinwa kwekholeji, umbuzo wokuqala omele uzibuze wona ukuba yimalini abaya kuyidinga ukuya esikolweni . Impendulo inokuhluka kakhulu, kuxhomekeke ekubeni ngaba baceba ukuya kwiyunivesithi yeminyaka emibili okanye emine, baya esikolweni ngaphandle kobuso okanye bahlale kufuphi nekhaya, okanye baye kwi-private yunivesithi yoluntu.
Enye into ekufuneka uyiqwalasele: ukunyuka kwamaxabiso nokunyuka kwamaxabiso okufundela. Iikholeji neeyunivesithi ziphakamisa amaxabiso rhoqo ukuba umntwana wakho uneminyaka eli-10 ukuya kude aqale umnyaka wabo omtsha, uya kufuneka ukuba ube neyona ndlela yokuhlawula ngaphezulu. Le calculator esuka kwiKholeji yeBhodi iyakunceda ukuba uphuhliso lweendleko eziqikelelweyo kwikamva elizayo.
Emva kokuba unenjongo ekuboneni, thelekisa le nombolo kwinani osuyilondolozile. Emva koko, gweba imali oya kuyidinga ukuyigcina rhoqo ngonyaka ukuze ufinyelele injongo yakho. Ukuphuka oko kuqhubela phambili ekujoliswe kuyo kwikholeji yenyanga.
Iminyaka enye ukuya ezintlanu: Londoloza ngokukhawuleza
Ukuba ubeke ithagethi yakho yokugcina imali, isinyathelo esilandelayo sinquma apho ubeka khona loo mali. Ungasindisa kwiikholeji kwi-akhawunti yokugcina imali kodwa ayiyi kunika imali yakho ithuba lokukhula. Akwayikubonelela nayiphi na inzuzo yerhafu.
Isicwangciso sokulondoloza iikholeji ezingama-529 , ngakolunye uhlangothi, sivumela ukukhula okungahlawulwa kwentela kunye nokurhoxiswa kweerhafu kwiimfuno zemfundo ezifanelekileyo. Zonke i-50 zinikeza ubuncinane isicwangciso esisodwa se-529 kwaye unokuba negalelo kunoma yisiphina isicwangciso, kungakhathaliseki ukuba uhlala phi. Kuxhomekeke kwisicwangciso okhethayo, umrhumo wendawo yokuphila ungayifumana i-$ 500,000.
Ngesicwangciso se-529, unethuba lokutshala imali yakho kwimali-mali, uxanduva-mali-date-target, imali -mali yokuthengiselana kunye nezinye iziqinisekiso. Ukutshala imali kulezi zikhetho kubandakanya umngcipheko ongaphezu kokugxotha imali kwi-akhawunti yokulondoloza kodwa unakho ukubuyisela phezulu.
Kwiminyaka emihlanu yokuqala yeminyaka yakho eyi-10 yokugcinwa kwekholeji yakho, kukulungele ukugcina imali eninzi ukuze ukwazi ukufaka imali kwi- interest interest .
Okungakumbi unako ukukhawuleza ngexesha lokuqala, ixesha elide ukuba imali ikhule.
Khumbula, nangona kunjalo, kuya kufuneka ugcine umrhumo wonikezelo werhafu wonyaka wesipho kwiminikelo. Ngo-2018, irhafu yesipho isetyenziswa kwizipho zemali ezingaphezu kwama-15,000. Ukuba utshatile, wena kunye nomlingane wakho unokubamba iqhaza ukuya kwii-30,000 zamawaka ngonyaka, ngomntwana ukuya kwisicwangciso se-509 sokulondoloza ikholeji. Ngenye indlela, unako ukwenza umrhumo weminyaka emihlanu ngaphandle kwesohlwayo sentlawulo yesipho. Ukuba ukwenza oko kunyaka wokuqala we-countdown, kunjalo, awuyi kukwazi ukwenza nayiphi na iminikelo entsha ukuya kutsho iminyaka emihlanu.
Iminyaka yesithandathu ukuya kweyesi-10: Qhubekisa ukuSindisa nokuVavanya iSabelo sakho
Ukugcina iikholeji kufana nokulondoloza umhlalaphantsi. Xa usemncinci, unako ukukwazi ukutshatyalaliswa kwindlela okhetha ngayo utyalo-mali, kuba unokuba nexesha elininzi lokubuyela kwiimeko zokungena kweemarike.
Ngokulondolozwa kwekholeji, unokuziva ukhululekile ukutshala imali ngakumbi xa umntwana wakho usemncinci kodwa umgca wexesha uyancatshiswa. Xa sele befikelela esikolweni esiphakathi kunye nasesikolweni esiphakeme, yinjongo efanelekileyo yokubuyela kwakhona kutyalo-mali lwakho ukuqinisekisa ukuba awufumani umngcipheko omkhulu. Ukuba imarike yayiza kuhlaselwa ngokukhawuleza kwehla kunyaka okanye ezimbini ngaphambi kokuba umntwana wakho acwangcise ukuqala ikholeji, leyo ingayinciphisa kakhulu inani lokulondoloza onokufumaneka ukukunceda ukulihlawula.
Enye into ekufuneka uyiqwalasele ngeminyaka yesikolo esiphakamileyo yindlela onokuyigcina ngayo inokuchaphazela amandla omntwana wakho wokufumana uncedo lwezemali xa kuyimfuneko. Iimpahla zabazali, kubandakanywa nemali egcinwe kwisicwangciso se-529, zibandakanyiwe kwizibalo zomncedisi wezemfundo. Iikholeji ngamnye kunye neeyunivesithi nazo zingaziqwalasela xa ziqikelela ukufaneleka kwamaphulo ancedisa izikolo.
Iminyaka enye ukuya kwi-10: IziCwangciso zokuSindisa eziPhambili kunye nokokuziphepha
Kukho ezinye izinto omele uyenze kulo lonke unyaka-10 ukuya kwikholeji (kwaye bambalwa ukuphepha). Njengoko udala isicwangciso sakho, khumbula ezi zinto kwaye ungenzi:
- YENZA ngokuzenzekelayo imali yakho. Ukubeka igalelo lokulondolozwa kwekholeji kwi-pilot-pilot kunokuthatha inzuzo ekukhunjuleni ukugcina.
- INGABE uzuze ootatomkhulu okanye amanye amalungu omndeni abandakanyekayo. Ootatomkhulu, oogogokazi kunye noomalume nabo banokwenza umnikelo kwisicwangciso se-529 kumntwana wakho.
- INGABE uhlole iifizi zakho zokuhlawula imali. Iimali eziphezulu zokutyalomali ziyakudla ngaphandle kwimivuzo yakho ye-akhawunti ngoko kubalulekile ukuyihlaziya rhoqo.
- Musa ukulinda ukugcina. Ukulahla kunokunciphisa iqela lakho lokugcina iikholeji lokugcina imali kunye nokwandisa umngcipheko wokuba ufutshane.
- Musa ukubeka umhlalaphantsi wakho kwi-burner. Nangona ukugcinwa kwikholeji kubalulekile, akufanele kufike kwiindleko zakho zokugcina umhlalaphantsi . Khumbula, unokuthatha imali-mboleko yokuhlawula ikholeji, kodwa kungekhona iminyaka yakho yomhlalaphantsi.