Ndalama zanzeru zimayenda bwino pazachuma cha ophunzira

Eya, moyo wa ophunzira - komwe khofi ndi gulu lazakudya, masiku omalizira amabwera mwachangu kuposa malipiro, ndipo chikwama chanu nthawi zambiri chimakhala chopepuka. Koma musaope! Kaya mukuyenda chaka chanu choyamba kapena mukuthamangira kumaliza maphunziro, kuwongolera ndalama sikuyenera kukhala ntchito yovuta. Takulandilani ku kalozera wanu wamkulu wamomwe mungasungire akaunti yanu yaku banki kukhala yathanzi monga magiredi anu. Kuchokera ku ma hacks anzeru a bajeti ndi luso lothandizira pakukonza zachuma mpaka kupanga zisankho zokomera zachilengedwe zomwe zimasunga ndalama, takupatsani.

Konzekerani ndikuwongolera njira yanu yoyendetsera bwino ndalama - ndi kalozera wanu wachuma, okonzeka kusintha momwe mumagwiritsira ntchito ndalama zanu m'zaka zanu zakuyunivesite!

Ndalama zoyambira kuti ophunzira apambane

Kuyamba ulendo wanu wosamalira ndalama mwanzeru kumayambiriro kwa zaka zanu zaku yunivesite kumatha kukhazikitsa tsogolo labwino lazachuma. Gawoli likuwonetsa njira zofunika zolimbikitsira ndalama zanu pakanthawi yayitali, ndikuphatikiza zitsanzo zokuthandizani kuti muwone m'maganizo mwanu mfundozi. Umu ndi momwe mungapangire maziko olimba azachuma:

• Konzani ndondomeko ya bajeti. Fotokozani momveka bwino bajeti yanu ya mwezi uliwonse kutengera ndalama zomwe mumapeza - kaya ndi chithandizo cha makolo, maphunzirokapena ntchito zazing'ono. Gwirani ndalama zanu zokhazikika (monga lendi ndi zofunikira) ndikusintha (monga kudya ndi zosangalatsa) kuti mumvetsetse bwino komwe ndalama zanu zimapita mwezi uliwonse. Mwachitsanzo, ngati ndalama zomwe mumapeza pamwezi ndi $1,000, yesetsani kuwononga $300 pa renti, $200 pogula zinthu, $100 pazantchito, $150 pa zinthu zakusukulu, ndikusunga $250 yotsalayo.
• Yang'anirani momwe mumawonongera. Yang'anirani mosamala ndalama zanu. Ikani patsogolo zofunika monga nyumba, zofunikira, zogulira, ndi zida zamaphunziro, kenako ganizirani kugwiritsa ntchito mwanzeru monga zosangalatsa ndi kudya.
• Ikani zofunika patsogolo kuposa zomwe mukufuna. Phunzirani kusiyanitsa pakati pa ndalama zofunika ndi zosafunikira. Zofuna zanthawi yomweyo monga renti ndi golosale ziyenera kubwera nthawi zonse musanagwiritse ntchito ngati zida zamagetsi kapena zovala zapamwamba.
• Sungani ndalama zokha. Konzani kusamutsa ku akaunti yosungira ndalama mwezi uliwonse. Ngakhale ndalama zochepa zomwe mumapeza, monga 5% kapena 10%, zimatha kukula pakapita nthawi osazindikira. Mwachitsanzo, kusunga $50 kuchokera pa $500 pamwezi kumawonjezera mpaka $600 pachaka.
• Limbikitsani zopindulitsa za ophunzira. Fufuzani mwachangu ndikugwiritsa ntchito kuchotsera kwa ophunzira komwe kulipo pamayendedwe, mapulogalamu, zosangalatsa, ndi zina. Ndalamazi zimatha kuwonjezera mwachangu ndikuchepetsa kwambiri ndalama zomwe mumawononga.
• Pangani njira yopezera ndalama. Yambitsani thumba lazadzidzi kuti mulipirire zinthu zosayembekezereka, monga zolipirira zamankhwala kapena maulendo ofulumira. Yesetsani kusunga ndalama zosachepera miyezi itatu kuti mukhale ndi mtendere wamumtima.
• Kudziwitsa za ngongole. Kumvetsetsa zoyambira zamangongole komanso momwe zimakhudzira mwayi wanu wazachuma ndikofunikira. Zomwe zimakhudzidwa kwambiri ndi mbiri yanu yangongole ndi mbiri yanu yolipira, ndalama zomwe mwabwereketsa, kutalika kwa mbiri yanu yangongole, ngongole yatsopano, ndi mitundu yangongole yomwe munagwiritsa ntchito. Kudziwa kumeneku ndikofunikira mukayamba kufunsira makhadi kapena ngongole.
• Khalani ndi zolinga zachuma. Yambani kukhazikitsa zolinga zachuma pogwiritsa ntchito SMART chimango kuwongolera zisankho zanu ndikuwona momwe mukupitira patsogolo.
• Unikani ndi kusintha pafupipafupi. Pamene mikhalidwe yanu ikusintha, momwemonso bajeti yanu iyenera kusintha. Khalani ndi chizoloŵezi chowunikanso ndondomeko yanu yazachuma semesita iliyonse kuti mugwirizane ndi zolinga zatsopano zosungira kapena momwe mumagwiritsira ntchito ndalama.

Kumbukirani, chinsinsi cha kupambana kwachuma kwanthawi yayitali ndi kusasinthasintha komanso kusinthasintha-kusintha zizolowezi zanu momwe chuma chanu chikuyendera pa ntchito yanu yonse yaku yunivesite ndi kupitilira apo. Mfundo zazikuluzikuluzi zikuyika maziko a njira zozama zandalama zomwe zafufuzidwa mu zigawo zotsatila za bukhuli.

Tekinoloje yogwiritsira ntchito bajeti

Titayala maziko olimba pa kasamalidwe ka ndalama, tiyeni tiwone momwe ukadaulo waposachedwa ungakuthandizireni komanso kufewetsa kasamalidwe ka ndalama. M'nthawi yamakono ya digito, muli ndi mwayi wopeza mapulogalamu osiyanasiyana ndi zida zapaintaneti zomwe sizimangochepetsa bajeti komanso kuyang'anira momwe mumawonongera ndalama ndikuthandizira kukhazikitsa zolinga zachuma. Pansipa pali kalozera wachangu wogwiritsa ntchito ukadaulo uwu kuti muwongolere kasamalidwe ka ndalama zanu:

Mtundu wa Chida	Chitsanzo mapulogalamu	zinthu zikuluzikulu	Gwiritsani ntchito
Mapulogalamu a bajeti	timbewu, YNAB (Mukufuna Bajeti), PocketGuard	Mawonekedwe osavuta kugwiritsa ntchito, kutsatira nthawi yeniyeni, maulalo amaakaunti aku banki	Ndibwino kuti mupeze zidziwitso zenizeni zenizeni zamagwiritsidwe ntchito ka ndalama.
Otsata mtengo	Kuwonjezera, Wally	Kulowa pamanja, kutsatira ndalama zenizeni	Zabwino kwa ophunzira omwe amakonda kuyang'anira pamanja dola iliyonse yomwe imagwiritsidwa ntchito.
Zosungirako zokha	Acorns, Digit	Kupulumutsa kokha kwa ndalama zochepa, kusanthula ndalama	Zabwino kwa iwo omwe akufuna kusunga ndalama popanda kuganizira.
Mapulogalamu opangira ndalama	Yambitsani, Chuma Chaumwini	Chidziwitso chambiri pamabizinesi, ngongole, ndi zina zambiri	Ndikofunikira kuti omaliza maphunziro akonzekere tsogolo lawo lazachuma mwatsatanetsatane.
Zothandizira zamaphunziro	Khan Academy, MyMoney.Gov	Maphunziro okhudza bajeti, kasamalidwe ka ngongole, kuyika ndalama	Zofunika kwambiri kwa ophunzira omwe akufuna kukulitsa chidziwitso chawo chazachuma.

Mwa kuphatikiza zida zaukadaulo izi muzochita zanu za tsiku ndi tsiku kasamalidwe kazachuma, mumamvetsetsa bwino zandalama zanu ndikupanga zisankho zanzeru zamagwiritsidwe ntchito. Zida zimenezi zapangidwa kuti zikupatseni mphamvu kuti muzitha kugwiritsa ntchito bwino ndalama zanu komanso kuti mukhale ndi tsogolo labwino lazachuma. Lowani mkati ndikuwona momwe chida chilichonse chingagwirizane ndi zosowa zanu ndikuyamba kuchitapo kanthu kuti mukwaniritse zolinga zanu zachuma.

Eco-friendly kukhala pa bajeti

Kuchoka pakugwiritsa ntchito digito kupita ku moyo wokhazikika, kukhala ndi moyo wokonda zachilengedwe monga wophunzira sikuyenera kukuvutitsani bajeti. M'malo mwake, machitidwe ambiri osamala zachilengedwe amathanso kulimbikitsa kusunga ndalama zanu. Nazi njira zingapo zomwe zingakuthandizeni kuchita bwino pazachilengedwe komanso pazachuma:

• Chepetsani kugwiritsa ntchito mphamvu. Zochita zazing'ono zimatha kubweretsa ndalama zambiri pamabilu anu amagetsi. Kuzimitsa magetsi pakapanda kufunikira, kugwiritsa ntchito zida zosagwiritsa ntchito mphamvu, ndi kusankha masanjidwe owonjezera m'malo mozimitsa kutentha kungachepetse kwambiri ndalama zomwe mumagwiritsa ntchito pamwezi.
• Kupititsa patsogolo ndi ntchito za DIY. Musanagule zinthu zatsopano, ganizirani ngati mungathe kukonzanso zomwe muli nazo kale. Kusintha mipando, kupeza zokongoletsera zachikale, kapena kukonza zovala kungawonjezere kukongola kwaumwini popanda mtengo wandalama ndi chilengedwe wa katundu watsopano. Kwa kudzoza ndi malangizo atsatane-tsatane, onani izi Maphunziro a YouTube pama projekiti a DIY zomwe zingakuthandizeni kuti muyambe ndikuyambitsa luso lanu.
• Sankhani zinthu zachilengedwe. Sankhani zinthu zomwe zimagwiritsa ntchito kulongedza pang'ono kapena zovomerezeka ndi chilengedwe. Kusinthana ndi sopo osawonongeka, kuyika ndalama m'mabotolo amadzi ogwiritsidwanso ntchito, komanso kugwiritsa ntchito misuwachi ndi njira zosavuta zochepetsera kuwononga chilengedwe ndikusunga ndalama pakanthawi.
• Malo ogulitsa kwambiri komanso ochezeka ndi zachilengedwe. Chepetsani ndalama zonse ndi kulongedza zinyalala pogula zambiri. Yang'anani masitolo am'deralo omwe amakulolani kugula zinthu zofunika kwambiri monga mbewu, mtedza, ndi zokometsera zambiri - ingobweretsani zotengera zanu kuti musunge ndalama ndikuchepetsa zinyalala.
• Digital m'malo mosindikiza. Landirani kusintha kwa digito kwa zida zanu zamaphunziro. Sankhani mabuku a digito, zolemba, ndi zowerengera kuti musunge pamapepala, nthawi zambiri pamtengo wotsika kapena kwaulere, zomwe zingachepetse ndalama zanu zophunzirira.
• Zoyendera za anthu onse ndi kupalasa njinga. Gwiritsani ntchito zoyendera za anthu onse kapena ganizirani kukwera njinga paulendo watsiku ndi tsiku. Izi sizimangopulumutsa ndalama pamafuta ndi malo oimikapo magalimoto komanso zimachepetsa kuchuluka kwa mpweya wanu, ndikupangitsa kuti ikhale yotchipa komanso yosamalira zachilengedwe.
• Limani chakudya chanu. Ngakhale malo atakhala ochepa, monga m'zipinda zogona, ndizotheka kulima zitsamba kapena masamba ang'onoang'ono m'miphika yawindo. Izi zimakupatsirani zokolola zatsopano, kuchepetsa ndalama zogulira, ndikuwonetsetsa kuti mumadya zakudya zopanda mankhwala, kuchepetsa ndalama zomwe mumawononga pazakudya zanu zonse.

Kuphatikizira njira zokometsera zachilengedwezi muzochita zanu zatsiku ndi tsiku kumakuthandizani kuti muthandizire bwino padziko lapansi ndikuwongolera bwino ndalama zanu. Njirayi imalimbikitsa moyo womwe umayamikira kukhazikika popanda kusiya ntchito zachuma.

Kugwiritsa ntchito mwanzeru: Njira zopulumutsira ndalama za ophunzira

Kusintha kuchokera pakumvetsetsa kasamalidwe kazachuma ndi machitidwe okonda zachilengedwe, kugwiritsa ntchito mwanzeru kumafuna kuchitapo kanthu mwachangu kuti muwonjezere kusunga ndalama popanda kuwononga moyo wanu. Pansipa, tikuwona njira zothandiza kuti muwonjezere bajeti yanu ndikuwongolera luso lanu lazachuma:

Njira zogulira zogwira mtima

• Gwirizanitsani mphamvu za kuchotsera. Sakani mwachangu zochotsera, makamaka panthawi yogulitsa kapena kutsatsa malonda, zomwe zingachepetse kwambiri mtengo wazinthu zofunikira komanso zinthu zomwe mungasankhe.
• Kutengera mtengo. Kupitilira kufananiza mitengo, mvetsetsani nthawi yogula. Kugula zinthu zanthawi yochepa kumatha kupulumutsa ndalama zambiri, ndipo kugwiritsa ntchito zida zochenjeza zamitengo pa intaneti kungakuthandizeni kugula pamtengo wotsika kwambiri.

Kusintha kwa moyo wosunga ndalama

• Konzani ndalama zogulira zakudya. Yambitsani kukonza zakudya m'chizoloŵezi chanu kuti musagule zinthu mopupuluma. Gwiritsani ntchito mapulogalamu omwe amasanja maphikidwe potengera malonda apano ndi kukwezedwa kuti mupange makonzedwe azakudya otsika mtengo.
• Zosankha zathanzi, zosunga zokulirapo. Siyani kungosiya zizolowezi zoipa n'kuyamba kutsatira zizolowezi zabwino zowononga ndalama. Chitani nawo mbali m'makalasi olimbitsa thupi aulere kapena otsika mtengo pasukulupo kapena pa intaneti kuti mukhale oyenera pa bajeti.

Kugwiritsa ntchito zinthu zamagulu ndi zogawana

• Chitani nawo malonda ogulitsa. Pitirizani kupyola zoyesayesa za munthu payekhapayekha potenga nawo mbali kapena kuyambitsa magulu ogula zinthu. Njira imeneyi imakulolani inu ndi anzanu kuti mugulitse pamodzi zinthu zambirimbiri, kusunga ndalama ndi kulimbikitsa kulumikizana ndi anthu.
• Zolembetsa zogawana za digito. Yambani kuyang'anira ndikugawana mtengo wazinthu za digito monga ntchito zotsatsira komanso zolembetsa zamaphunziro polumikizana ndi anzanu akusukulu. Njira yogwirizirayi imakulitsa zida zanu zamaphunziro popanda kuwononga ndalama zambiri. Kuwunika mozama kwa njira iyi kungapezeke m'gawo lotsatirali lokhudza kukulitsa zida zamaphunziro.

Kasamalidwe koyenera ka zinthu

• Kasamalidwe ka zolembetsa. Yang'anirani mwachangu zolembetsa zanu mobwerezabwereza. Kuwunika pafupipafupi kumatsimikizira kuti mukulipira zomwe mumagwiritsa ntchito, zomwe zimathandiza kuthetsa kuwononga ndalama.
• Kukonzekera chakudya. Kukonzekera ndi kukonza chakudya nthawi zonse kumachepetsa kuwononga zakudya komanso kuchepetsa mtengo wa chakudya, zomwe zimathandiza kuti munthu azidya zakudya zathanzi komanso zotsika mtengo.
• Ntchito zazing'ono ndi ntchito zozikidwa pa ntchito. Onani mapulatifomu ang'onoang'ono pomwe mutha kugwira ntchito zing'onozing'ono panthawi yanu yopuma. Ntchitozi nthawi zambiri zimafuna kudzipereka pang'ono koma zimatha kupereka ndalama zowonjezera.

Kumbukirani, kupulumutsa pang'ono kulikonse sikumangothandiza kusunga bajeti moyenera komanso kumakulitsa kukhazikika kwandalama m'tsogolomu.

Creative mbali hustles kwa ophunzira

Pamene tikusiya kuyang'anira ndalama ndikusunga ndalama, ndikofunikira kuyang'ananso njira zosangalatsa zopezera ndalama muzaka zanu zaku yunivesite. Kulowera m'magulu opanga mbali ndi njira yabwino yopezera ndalama zowonjezera ndikukulitsa luso lomwe limakulitsa luso lanu. CV ndi kukulitsa maukonde anu akatswiri. Nawa ma gigs osinthika oyenera ndandanda yanu ya ophunzira, opereka phindu lazachuma komanso chidziwitso chofunikira:

• Kusamalidwa kwa makanema. Sinthani malo ochezera a pa Intaneti pamabizinesi ang'onoang'ono kapena oyambitsa. Seweroli limasintha minyewa yanu yopanga ndipo ndi yabwino ngati mumakonda kupanga nkhani zomwe zimangopezeka pazakudya zapagulu, zomwe zimakupatsirani kusinthasintha komanso zotsatsa zamtengo wapatali.
• Kupanga ndi kugulitsa. Sinthani ojambula anu amkati ndi nsanja ngati Etsy kapena Instagram kuti mugulitse zomwe mwapanga pamanja. Kaya ndi zodzikongoletsera, zojambula, kapena zovala zowoneka bwino, kutembenuza zojambulajambula zanu kukhala ndalama sizongokwaniritsa komanso kupumula kwambiri.
• Maphunziro pa intaneti. Phunzitsani maphunziro omwe mumakonda pa intaneti kudzera pamapulatifomu ngati Tutor.com or Chegg Tutors. Khazikitsani maola anu ndikugwira ntchito kulikonse komwe mungasungire laputopu yanu-ndalama zosavuta pothandizira anzanu.
• Mawonekedwe odziyimira pawokha. Gwiritsani ntchito luso lanu lopanga kuti mutenge ma gig odzichitira pawokha kuyambira pakupanga logo mpaka zida zotsatsa. Onani masamba ngati Upwork, Fiverr ndi freelancer kuti mulumikizane ndi makasitomala omwe amafunikira diso lanu pazokongoletsa.
• Kujambula. Sinthani makonda anu ojambulira kukhala opindulitsa pofotokoza zochitika, kujambula zithunzi, kapena kugulitsa zithunzi zanu zabwino kwambiri pa intaneti. Ndi njira yabwino yosinthira kukhudzika kwanu kukhala cheke ndi kupanga mbiri yaukadaulo.
• Kulemba ndi kulemba mabulogu. Ngati mawu ndi chida chanu chosankha, yesani kulemba zolemba kapena kuyang'anira blog. Izi zitha kukhala zopindulitsa ndi nsanja zolipira zinthu zabwino, ndipo mabulogu amatha kubweretsa ndalama kudzera muzotsatsa ndi zothandizira.
• Wothandizira Virtual. Ntchitoyi ndi yosinthika kwambiri, yomwe imakupatsani mwayi wowongolera mafoni, ndandanda, ndi maimelo kuchokera kulikonse, ndikupangitsa kukhala chisankho chabwino kwambiri kwa ophunzira otanganidwa.
• Malangizo olimbitsa thupi. Okonda masewera olimbitsa thupi amatha kupanga maphunziro a ndalama kapena kupereka maphunziro aumwini. Ndi njira yabwino kwambiri yodzitetezera, kuthandiza ena kuchita zomwezo, ndikuyika m'thumba ndalama mukadalipo.
• Kukula kwa mapulogalamu. Ngati kuyimba ndikuyimba kwanu, chitukuko cha pulogalamu chikhoza kukhala goldmine yanu. Kaya mukudzipangira nokha kapena mukuyambitsa pulogalamu yanu, dziko latekinoloje lili ndi chidwi ndi zatsopano ndipo likufuna kuzilipira.
• Ntchito ya Voiceover. Yesani kutsatsa, makanema ojambula pamanja, kapena zida zophunzitsira. Ndi njira yosangalatsa yopezera ndalama ndikuwongolera luso lanu lamawu.

Kuchita nawo izi kumalimbitsa akaunti yanu yaku banki ndikukupatsani zokumana nazo zodabwitsa komanso maluso omwe amakhala nthawi yayitali mutamaliza maphunziro. Kuphatikiza apo, ndi njira yabwino yopangira ndalama pazolinga zanu, kuphatikiza ntchito ndi maphunziro anu mosavutikira.

Kuchulukitsa zothandizira maphunziro

Kuchokera pakugwiritsa ntchito ndalama mwanzeru komanso kupanga ndalama, tiyeni tiwone momwe kugwiritsa ntchito mokwanira zida zakuyunivesite kungakuthandizireni kwambiri pakuphunzira kwanu ndikuchepetsa zomwe mumagwiritsa ntchito pamaphunziro. Zothandizira ndi ntchitozi sizongochepetsa mtengo; ndizofunika kwambiri pakulemeretsa ulendo wanu wamaphunziro ndikukonzekera ntchito yopambana.

Ntchito zambiri zama library

Limbikitsani kugwiritsa ntchito kwanu laibulale yaku yunivesite, yomwe imapereka zambiri osati kungobwereketsa mabuku. Pezani malo osungira okwera mtengo, magazini amaphunziro, ndi ma e-book omwe amakhala okwera mtengo. Kugwiritsa ntchito izi kungakupulumutseni kuti musagule mabuku ndikukupatsani zida zambiri zamaphunziro anu ndi kafukufuku wanu.

Kupeza zolembetsa zamaphunziro

Madipatimenti ambiri ophunzirira amapereka mwayi wopeza mapulogalamu ofunikira komanso nsanja zamaphunziro monga MATLAB, Adobe Suite, ndi zida zapadera zofufuzira. Izi nthawi zambiri zimaphatikizidwa m'maphunziro anu ndipo ndizofunikira pamaphunziro komanso kukulitsa luso, kupulumutsa ndalama zambiri pakugula mapulogalamu.

Mapulogalamu apamwamba ndi chithandizo chaukadaulo

Pindulani ndi mapulogalamu osiyanasiyana aulere omwe amapezeka kudzera ku bungwe lanu, kuchokera kumagulu ogwirira ntchito mpaka zida zapamwamba zowunikira. Gwiritsani ntchito thandizo la IT pasukulupo kuti muthetse zovuta zaukadaulo popanda kufunikira kwa ntchito zakunja zodula, kuwonetsetsa kuti maphunziro akupita patsogolo komanso otsika mtengo.

Ntchito zothandizira maphunziro

Gwiritsani ntchito maphunziro aulere ndi ntchito zothandizira maphunziro kuti muwongolere bwino maphunziro anu. Malo monga malo olembera ndi masamu samangopereka chithandizo chamtengo wapatali komanso nkhani zachipambano zenizeni, monga wophunzira yemwe adawongolera magiredi ake kuchokera pa C kupita pa A kudzera mu magawo anthawi zonse a masamu. Ntchitozi zitha kukulitsa kumvetsetsa kwanu zamaphunziro ovuta ndikuwonjezera magiredi anu.

Kuchita nawo zokambirana ndi masemina

Nthawi zonse tsatirani zokambirana ndi masemina. Zochitika izi zimathandizira kuphunzira ndikukulolani kucheza ndi akatswiri ndi anzanu popanda ndalama zowonjezera, kukulitsa maphunziro anu kupitilira kalasi.

Kukhala wathanzi ndi thanzi

M'malo mowononga ndalama pa umembala wa masewera olimbitsa thupi, gwiritsani ntchito zida zolimbitsa thupi zomwe zimaperekedwa ndi sukulu yanu. Mayunivesite ambiri amapereka malo ochitira masewera olimbitsa thupi okonzeka bwino, maiwe osambira, ndi mabwalo amasewera, zomwe zitha kukhala njira yabwino yokhalira wathanzi komanso wogwira ntchito popanda ndalama zowonjezera.

Ntchito zokonzekera ntchito

Gwiritsani ntchito mokwanira ntchito zapayunivesite yanu. Malowa nthawi zambiri amapereka ndemanga zoyambiranso, zoyankhulana zoyeserera, ndi mwayi wochezera pa intaneti, zomwe zimakhala zofunikira mukamakonzekera kulowa ntchito. Athanso kukupatsirani maphunziro azachuma ndikukonzekera ntchito, kukuthandizani kukhazikitsa njira yodziyimira pawokha mukamaliza maphunziro.

Kugwiritsa ntchito bwino maphunzirowa kumakuthandizani kusunga ndalama zambiri ndikukupatsani zida zofunika kuti mupambane pamaphunziro. Pamene mukukhala odziwa kugwiritsa ntchito mwayi umenewu, ndi kothandizanso kufufuza momwe maubwenzi anu ndi maukonde anu angathandizire kwambiri kuchepetsa ndalama zomwe mumagwiritsa ntchito pa maphunziro.

Networking kuchepetsa ndalama

Kulumikizana sikungokhudza kuwulula mwayi wa ntchito-Ilinso njira yanzeru yotambasulira bajeti yanu pazaka zanu zamaphunziro. Pogwirizana ndi anzanu, mutha kupeza njira zanzeru zopangira ndalama zanu kupita patsogolo. Nawa maupangiri othandiza okhudzana ndi dera lanu omwe sangakuthandizeni kusunga ndalama komanso kulemeretsa moyo wa ophunzira anu:

• Kusinthanitsa mabuku. Bwanji kugula zatsopano pamene mungathe kusinthana? Konzani kapena lowani nawo zochitika zosinthira mabuku kumayambiriro kapena kumapeto kwa semesita iliyonse. Ndikupambana-kupambana: mumasunga ndalama ndikuthandizira machitidwe okonda zachilengedwe pakati pa anzanu.
• Kuyendetsa. Chepetsani ndalama zoyendera pogawana kukwera kusukulu kapena kubwerera kunyumba. Mapulogalamu ndi magulu ochezera a pa Intaneti amapangitsa kuti zikhale zosavuta kulumikizana ndi ophunzira anzawo omwe akutsogolera chimodzimodzi.
• Nyumba zogawana. Yambitsani kukambirana za makonzedwe a mnzawo. Kugawana malo kungachepetse kwambiri ndalama zomwe mumagwiritsa ntchito - ndalama zambiri zausiku wa pizza!
• Kusinthana kwa luso. Maluso amalonda m'malo mowononga ndalama. Ndibwino pakupanga zojambulajambula? Perekani kupanga zowulutsira kuti muwathandize pamaphunziro ovuta. Zonse ndi kuthandizana wina ndi mzake osatsegula chikwama chanu.
• Minda yamagulu ndi magulu okonzekera chakudya. Lowani nawo dimba la anthu ammudzi kapena yambitsani gulu lokonzekera chakudya. Sikuti mudzachepetsa mtengo wa chakudya, komanso mudzadya bwino komanso mwinanso kupanga mabwenzi angapo pochita izi.

Kupanga maulalo omwe amayenda bwino pogawana ndi kugwirizanitsa sikungopulumutsa ndalama-kumalimbikitsanso chikhalidwe chothandizira anthu ammudzi chomwe chimakulitsa luso lanu la ku koleji ndikukuphunzitsani luso lothandizira lomwe limakhalapo mukamaliza maphunziro.

Kumanga ngongole ngati wophunzira

Kwa ophunzira ambiri, koleji sikungokhudza kugunda mabuku; inonso ndi nthawi yovuta kwambiri kuti muyambe kugwiritsa ntchito ndalama zanu. Kukhazikitsa ziwongola dzanja zolimba tsopano kungatsegule zitseko zakuyenda bwino kwandalama mtsogolo, monga kubwereketsa ngongole zachiwongola dzanja chochepa ndikupeza mawu okoma panyumba. Nayi mapulani anu amasewera omanga ndikuwongolera ngongole yanu moyenera:

• Yambani ndi kirediti kadi ya ophunzira. Mabanki ambiri amatulutsa kapeti yofiyira kwa ophunzira omwe alibe mbiri yangongole pang'onopang'ono kudzera pama kirediti kadi opangidwa mwapadera. Mwala uwu umabwera ndi malire otsika ndipo ndi wopepuka pa chindapusa, zomwe zimawapangitsa kukhala abwino pakuyamba kwanu kubwereketsa ngongole. Gwiritsani ntchito zinthu zing'onozing'ono ndikulipira mwezi uliwonse kuti mupewe ndalamazo.
• Malipiro abilu panthawi yake. Kulipira ngongole zanu nthawi zonse ndikofunikira kuti mukhale ndi ngongole yabwino. Izi zikuphatikizapo udindo wanu wonse wa zachuma, osati kulipira kokha pa kirediti kadi—monga lendi, zothandizira, ndi zolembetsa.
• Onani ngongole za omanga ngongole. Onani ngongole za omanga ngongole kuchokera kumabanki ena anzeru. Amatseka ngongoleyo pomwe mukulipira pakapita nthawi. Zonse zikalipidwa, ndalamazo ndi zanu, ndipo muli ndi mbiri yotsimikizika yamalipiro anthawi yake.
• Gwiritsani ntchito co-signer ngati kuli kofunikira. Ngati kuyenerera kulandira ngongole kuli kovuta, ganizirani kugwiritsa ntchito munthu amene ali ndi mbiri yolimba ya ngongole. Makhalidwe awo angongole atha kukuthandizani kuti muvomereze zinthu zangongole, koma samalani chifukwa momwe ndalama zanu zimakhudzira ngongole zawo.
• Thandizani milingo yotsika ya ngongole. Yesetsani kusunga ndalama zanu za kirediti kadi kukhala zochepera malire anu. Kutulutsa makhadi anu kungawononge ngongole yanu, ngakhale mutalipira panthawi yake.
• Yang'anirani ngongole yanu nthawi zonse. Yang'anani pafupipafupi malipoti anu angongole kuti muwone zinthu zomwe zatsika kapena zakuda. Mutha kupeza lipoti laulere kuchokera ku bungwe lililonse lalikulu lopereka malipoti angongole kamodzi pachaka pa AnnualCreditReport.com.
• Lumikizanani ndi ufulu wodziyimira pawokha pazachuma. Kasamalidwe kabwino ka ngongole ndi njira yopezera ufulu wodziyimira pawokha pazachuma, kumapereka mikhalidwe yabwinoko yangongole zaumwini, zosankha zanyumba, ngakhalenso ndalama zamabizinesi. Ngongole yolimba imatha kupangitsa kuti chiwongola dzanja chichepe komanso mawu abwino angongole, kumathandizira kasamalidwe kabwino kazachuma komanso kuchepetsa nkhawa pazachuma zanu.
• Malangizo kwa ophunzira apadziko lonse lapansi. Ngati ndinu wophunzira wapadziko lonse lapansi yemwe simukuzolowera njira yangongole yakumaloko, ndikofunikira kumvetsetsa mfundo zazikuluzikulu za kasamalidwe ka ngongole m'dziko lomwe mwalandira. Yambani ndi njira zangongole zotetezedwa ndikupempha upangiri kuofesi yothandizira zachuma kusukulu yanu kapena ntchito za ophunzira.
• Mvetsetsani kuopsa kwa kusayendetsa bwino ngongole. Zitha kubweretsa kuchulukitsa kwa ngongole, chiwongola dzanja chokwera, komanso kuwononga ndalama zanu zangongole. Izi zingapangitse kuti nyumba zobwereka zikhale zovuta, kupeza ngongole, ngakhalenso kusokoneza mwayi wa ntchito m'madera omwe nthawi zonse amayesa cheke.
• Zothandizira kuti mudziwe zambiri. Lowani mozama pakuwongolera ngongole kudzera pamapulatifomu ngati National Foundation for Counselling kapena zida zophunzirira za banki yanu.

Pomamatira ku njira izi, sikuti mukungopanga mbiri yabwino yangongole - mukukonza njira ya tsogolo labwino lazachuma. Kugwiritsa ntchito ngongole mwanzeru ndi luso lamphamvu lomwe limathandizira ndalama zanu lero komanso ufulu wanu wazachuma mawa.

Kutsegula ndalama zaulere ku koleji

Pambuyo pomanga maziko olimba pakupanga bajeti, kuwongolera ngongole, ndi kugwiritsa ntchito zida za kuyunivesite, ndikwanzeru kufufuza thandizo ndi mayanjano—mitundu ya chithandizo chandalama chomwe simuyenera kubweza. Izi zitha kuchepetsa nkhawa zanu zachuma polipira ndalama popanda kubweza, mosiyana ndi ngongole za ophunzira. Onani bukhuli kuti mupeze zofunikira izi:

• Zindikirani kusiyana kwake. Maphunziro a maphunziro nthawi zambiri amapereka mphotho zomwe zapindula m'maphunziro kapena maphunziro akunja, ndalama zothandizira nthawi zambiri zimakhudza zosowa zachuma, ndipo mayanjano amathandizira maphunziro apamwamba kapena kafukufuku, nthawi zambiri kuphatikizapo ndalama zogulira zinthu. Kuzindikira kusiyana kumeneku kungakuthandizeni kutsata bwino mapulogalamu anu ndikukulitsa mwayi wanu wopambana.
• Yambani ndi bungwe lanu. Yunivesite yanu ili ndi ndalama zambiri zothandizira ndalama. Makoleji ambiri amapereka zopereka ndi mayanjano omwe samatsatsidwa kwambiri. Pitani ku ofesi yanu yothandizira zachuma kapena funsani alangizi a dipatimenti kuti mudziwe mwayi womwe ungakhale wobisika.
• Gwiritsani ntchito ma database apadera. Ma nsanja amakonda Zothandizira.gov, ndi Foundation Centerndipo FastWeb thandizirani kupeza thandizo ndi mayanjano oyenera gawo lanu la maphunziro, mbiri yanu, kapena zosowa zanu. Zida izi zingakuthandizeni kuchepetsa kusaka kwanu ndikuyang'ana kwambiri mipata yoyenera.
• Konzekerani msanga. Mpikisano wa mphothozi ukhoza kukhala wovuta, kotero yambani kukonzekera mapulogalamu anu pasadakhale. Sonkhanitsani zikalata zonse zofunika monga zolembedwa, makalata oyamikira, ndi zolemba zilizonse zofunika nthawi yayitali isanakwane.
• Sinthani mapulogalamu anu. Sinthani mwamakonda anu pulogalamu iliyonse kuti muwonetse bwino momwe mumakwaniritsira zolinga za opereka ndalama. Kwa maphunziro, onetsani zomwe mwapambana pamaphunziro kapena zochitika zakunja. Pazothandizira, yang'anani kwambiri kuwonetsa zosowa zanu zachuma, ndi mayanjano, fotokozani mapulani anu ofufuza kapena momwe phunziroli lingapititsire patsogolo ntchito yanu yamaphunziro. Kukhala achindunji komanso achindunji pamapulogalamu anu kumatha kukulitsa mwayi wanu wopambana.
• Tsatirani malangizo ku kalatayo. Tsatirani ndendende malamulo ogwiritsira ntchito. Kuphonya chikalata kapena kuyimba tsiku lomaliza kumatha kukugwetsani, ngakhale mutakhala wabwino bwanji.
• Funsani mayankho. Musanatumize, khalani ndi mlangizi wodziwa bwino, mlangizi, kapena anzanu aunikenso ntchito yanu. Malingaliro awo angakuthandizeni kukonza njira yanu ndikuwonjezera mwayi wanu wopeza thandizo kapena chiyanjano.
• Sankhani mwanzeru, gwiritsani ntchito mwanzeru. Lemberani ndalama zambiri ndi mayanjano kuti muwonjezere mwayi wanu, koma yang'anani kwambiri zomwe zikugwirizana bwino ndi mbiri yanu. Njira yolunjika nthawi zambiri imakhala yopambana kuposa yotakata.

Kuchita bwino pakufunsira maphunziro, zopereka, ndi mayanjano kumakweza mwayi wanu wopeza ndalama zaulere ku koleji ndikukuthandizani kuti muchepetse ngongole za ophunzira. Kukhala wanzeru pamapulogalamuwa kumabweretsa moyo waku koleji wopanda nkhawa, kukulolani kuti muyang'ane kwambiri maphunziro anu. M'kupita kwanthawi, njira iyi imakupulumutsirani ndalama zambiri ndikukupangitsani kuti mukhale osalala kuyamba pambuyo pomaliza maphunziro.

Kukonzekera kudziimira pazachuma pambuyo pomaliza maphunziro

Pamene masiku anu a maphunziro akufika kumapeto, kuchoka ku chikhalidwe chachuma cha yunivesite kupita kukuyang'anira zachuma zenizeni kumafuna kusintha kwakukulu. Nayi kalozera wanu kuti muyende bwino pakusintha kofunikiraku:

• Mvetserani ngongole za ophunzira anu. Yambani ndikumvetsetsa bwino ngongole za ophunzira anu. Dziwani malamulo anu obweza, ndalama zomwe muyenera kulipira pamwezi, komanso nthawi yanu yakubweza ikatha. Kuphatikizira ngongole zingapo kungakuchepetseni kulipira kwanu komanso kutsitsa chiwongola dzanja chanu.
• Bajeti ya moyo wanu watsopano. Konzani bajeti yosonyeza ndalama zomwe mumayembekezera komanso ndalama zenizeni pamoyo wanu monga renti, zothandizira, zogulira, ndi inshuwaransi. Bajeti yeniyeni imakuthandizani kupewa zodabwitsa zachuma ndikuwonetsetsa bata.
• Emergency Fund ndiyofunikira. Pangani thumba lachidziwitso ndi ndalama zokwanira kuti muthe kulipira miyezi itatu kapena isanu ndi umodzi. Ndikofunikira kuti mukhale ndi mtendere wamumtima mukamakumana ndi zovuta zantchito komanso ndalama zomwe simunayembekezere.
• Ganizilani za m’tsogolo—kupuma pa nchito ndi misonkho. Ngakhale kuti kupuma pantchito kungawoneke ngati kwatsala pang'ono, kuyamba kusunga mwamsanga kungapindule kwambiri. Ngati ntchito yanu ikupereka ndondomeko ya 401 (k), onetsetsani kuti mwapereka ndalama zokwanira kuti mutenge ndalama zofananira ndi abwana anu. Mutha kuganiziranso zoyambitsa IRA (Akaunti Yopuma Payekha), yomwe ingakuthandizeni kusunga ndalama zopuma pantchito ndi phindu la msonkho. Kaya mumasankha Traditional IRA kapena Roth IRA, iliyonse ili ndi ubwino wosiyana wa msonkho. Traditional IRA ikhoza kuchepetsa misonkho tsopano chifukwa mutha kuchotsera zopereka zanu pakubweza msonkho, pomwe Roth IRA imalola ndalama zopanda msonkho mukapuma pantchito.
• Khalani ndi ngongole yabwino. Pitirizani kupanga ngongole yanu mwa kulipira panthawi yake pa ngongole zanu ndi makhadi a ngongole. Ngongole yamphamvu imathandizira pakugula zinthu zazikulu monga nyumba kapena magalimoto ndikusunga ngongole zabwinoko.
• Osasiye kuphunzira. Maphunziro azachuma samatha ndi kumaliza maphunziro. Pitirizani kuphunzira kudzera m'misonkhano, nkhani zachuma, ndi kuwerenga mosalekeza. Kudziwa zazachuma kumasintha ndikusintha kwa moyo wanu ndikukupangitsani kukhala okonzekera zisankho zamtsogolo zazachuma.

Pothana ndi izi, simungodziwerengera nokha moyo wanu wonse mukamaliza koleji-mukuwonetsetsa kuti mukukhala ndi moyo wabwino komanso wopambana pa moyo wanu womaliza maphunziro.

Kutsiliza

Ntchito yabwino kudzera mu bukhuli! Tadutsa zambiri, kuyambira momwe tingapangire bajeti mwanzeru ndikugwiritsa ntchito ukadaulo kuti tisunge ndalama, mpaka kugwiritsa ntchito mwanzeru komanso kukhala ndi moyo wokhazikika mukakhala ku yunivesite. Pamene mukukonzekera kuchoka ku moyo wa ophunzira kupita kudziko logwira ntchito, yang'anani mosamala ngongole za ophunzira anu, khazikitsani bajeti yomwe imagwira ntchito m'dziko lenileni, ndikuyamba kuganizira za tsogolo lanu ndi ntchito yopuma pantchito komanso kukonzekera msonkho. Kumbukirani, ulendo wanu wazachuma ndi wopitilira - onaninso malangizowa pamene mukukula ndikukumana ndi mavuto azachuma. Pitirizani kugwiritsa ntchito zomwe mwaphunzira kuti mukhale ndi thanzi labwino. Kusuntha kulikonse komwe mumapanga ndi sitepe lopita ku ufulu wazachuma ndikukwaniritsa maloto anu. Apa ndiye kuti mutengere ndalama zanu ndikupanga tsogolo labwino!