Ukuba ne-akhawunti kwiikholeji kunokuphazamisa, kungakhankanyi inhlekelele kwimpilo yakho yemali . Uninzi iinkampani ziza kuvumela i-akhawunti yakho ukuba iguqulwe kwiinyanga ezimbalwa ngaphambi kokuba ijikelele kwinkampani yokuqokelela amatyala kuba inkampani yokuqokelela iitaliti iyona nto yokugqibela yokubuyisela imali kuwe. Kodwa ukuba ufumanisa ukuba unayo i-akhawunti kwingqokelela, kufuneka usebenze ngokukhawuleza ukulungisa.
Kubalulekile ukuba uqaphele: Ukuba usebenza ekuhlawuleni ityala elidala , okanye ukuba awuzange uqaphele ukuba ulahlekelwa iintlawulo kwi-bill, njenge-bill yezobisi, kuya kufuneka ujongane ngqo nekampani yokuqokelela ityala ukucima ityala lakho elidala , kungekhona umboleki-mali. Landela la manqaku angezantsi xa ufumanisa ukuba i-akhawunti yakho ithunyelwe kwiiqokelela zetyala.
01 Cela iNgxelo
Uya kufuneka ucele inkcazo evela kwikholeji yokuqokelela ityala echaza inani lemali eliyilwayo letyala, kunye nayiphi na imali edibeneyo kwi-akhawunti yakho. Unokumangaliswa ukuba zininzi iimali oye waziqokelela kunye namatyala.
Ukuba inkampani yokuqokelela iqhagamshelana nawe kwaye izama ukuqokelela ityala kwi-akhawunti ongayikhumbuliyo ukuba nayo, kufuneka ucele ulwazi lwe-akhawunti ukuqinisekisa ukuba yinto yakho. Ngokomthetho, kufuneka banikezele ngolwazi olungakumbi kunye nobungqina bokuba ityala lakho lenu.
02 Uxoxisane neMigqaliselo yokuhlawula
Ukuba unayo imali eyaneleyo yokuhlawula ityala ngokupheleleyo, kufuneka uqikelele ukwenza njalo. Le ngetyala iya kubonisa kwingxelo yakho yemboleko njengoko ihlawulwe ngokupheleleyo, enokukunceda ukuphakamisa amanqaku akho ekwerekheni ngokubonisa ukuba uhlambulula i-matyala endala kwaye uguqula imichilo eyadlulileyo.
Ukuba awunayo imali yokuhlawula ngokupheleleyo ityala, qwa lasela ukuxoxisana nokuhlawulwa kwetyala . Unika imali enayo njengentlawulo enye yentlawulo ukuze usebenze ngokupheleleyo. Oku kuthetha ukuba imali oyihlawulayo iya kucima ityala.
Nangona kunjalo, ngaphambi kokuba uthumele kwinkokhelo, kufuneka ufumane incwadi ebhaliweyo echaza ukuba imali ehlawulwayo iya kuthathwa njenge-settlement ngokupheleleyo. Unokuxoxisana nesicwangciso sokuhlawula kunye nentlawulo eqhubekayo inyanga nganye de ihlawulwe ityala. Oku kuya kunceda ekuphuculeni umlinganiselo wakho wekhredithi .
03 Ukujongana noBubi boLwazi
Gcina ukhumbule ukuba i-arhente zeekholeji azifezekanga. Ngamanye amaxesha, baya kukhangela abantu abanegama elifanayo njengoko kubalwe kwityala, kwaye baqale ukubiza bonke ukuba bafumane umntu oboleka ityala. Abahlali beqaphele ngokuqinisekisa ukuba banomntu ofanelekileyo. Yingakho ufuna unobungqina bokuba ityala lakho lenu ngaphambi kokuba uqale ukwenza iintlawulo kwilo matyala.
Ityala linokuthi libhekiswe kwigama lakho kunye nenombolo yoKhuseleko loLuntu kodwa kungabi yakho. Oku kubakho ukwebiwa kwezazisi . Ukuba ukrokrelwa oku kwenzekile kuwe, kufuneka ufake ifayile yeposi kwaye uthumele ikopi yengxelo kwi-ejensi yokuqokelela. Oku kufuneka kumise i-arhente yokuqokelela amatyala ekukuhlukumeza uze udibaniswe. Futhi ungalokothi unike i-ejensi yokuqokelela ityala lakho inombolo epheleleyo yeNtlalo yoKhuseleko. Kunoko, vumela ukuba inikezelo idijithi ezine zokugqibela zeenombolo eziqhotyoshelwe kwi-akhawunti kwaye ubone ukuba zihambelana.
04 Ukujongana ne-Arhente yeeqoqo
Kukho imithetho elawula ukuba i-arhente zeekholeji ziyakuqokelela imali ehlawulwayo: ngifutshane, zigcina ezi arhente zingakuhlukumezi okanye zibandakanye kwezinye izinto ezifanayo.
Umzekelo, xa uthe wathetha nabo kwaye uchaza iimeko ezijikeleze ityala, awubophekanga ukuba uphendule iifowuni zabo zefowuni. Abavunyelwe ukuba bathethe abanye abantu malunga netyala .
Ukuba usungule ityala akulokho, kufuneka bayeke ukunxibelelana nawe.Ukuba ityala lakho lenu kwaye abayi kusebenza isicwangciso sohlawulelo esinokuhlawulekayo, ngoko unako ukucela ukuba uthethe kumphathi. Qhubeka ukhumbule ukuba ukuba unetyala lakho kwaye ungenzi iintlawulo kuyo, unokukuyisa enkundleni, oku kunokubangela ukulungiswa komvuzo wakho de kube ityala lihlawulwe. Kungcono ukuseka isicwangciso sohlawulelo lwenyanga onokukufumana ukuba ungekho kwindawo yokubonelela ngenkokhelo yentlawulo kwi-arhente.
05 Indlela yoKhusela iiAkhawunti zeKamva eziya kwiiKholeji
Xa usujongene ne-akhawunti kwiikholeji, kubalulekile ukuba uthathe amanyathelo okukhusela oku kungenzeki kwakhona. Qala ngohlahlo lwabiwo-mali kwaye usebenze ukuhlawula zonke iimali zakho ngokukhawuleza.
Yeka ukusebenzisa amakhadi-kredari kwaye uhlale ukhona kwizinto ezisetyenziswayo kunye nerenti, ukuze ugweme ukungena kwetyala elikhulu kwixesha elizayo. Ukuthatha ulawulo lwemali yakho yindlela efanelekileyo yokuqinisekisa ukuba uhlala ngaphandle kwetyala kwaye akuze uphinde uxhalabele ngabaqokeleli beetyala kwakhona.
Ukuhlaziywa nguRachel Morgan Cautero .