Imali ehlakaniphile ihambisa impilo yabafundi yezemali

Ewe, ubomi bomfundi-apho ikofu liqela lokutya, ixesha elibekiweyo liza ngokukhawuleza kunokuhlawula, kwaye isipaji sakho sihlala siziva sikhaphukhaphu kakhulu. Kodwa musa ukoyika! Nokuba uqhuba unyaka wakho wokuqala okanye ubaleka ukuya kuthweso-zidanga, ukulawula iimali zakho akufuneki kube ngumsebenzi onzima. Wamkelekile kwisikhokelo sakho sokugqibela sendlela yokugcina iakhawunti yakho yebhanki isempilweni njengamabanga akho. Ukusuka kwii-hacks zohlahlo lwabiwo-mali olukrelekrele kunye netekhnoloji yokuxhasa ucwangciso lwezemali ukwenza ukhetho olulungele indalo olugcina imali, sikugqumile.

Zilungiselele kwaye uqhubele phambili indlela yakho yokulawula imali-sisikhokelo sakho kwimpilo entle yezemali, ukulungele ukwenza utshintsho kwindlela oyisebenzisa ngayo imali yakho ngexesha nangaphaya kweminyaka yakho yaseyunivesithi!

Imali esisiseko kwimpumelelo yomfundi

Ukuqala uhambo lwakho lolawulo lwemali olukrelekrele kwangoko kwiminyaka yakho yaseyunivesithi kunokubeka inqanaba lekamva elizinzileyo ngokwemali. Eli candelo lazisa amacebo ayimfuneko okomeleza imali yakho kwixesha elide, libandakanya imizekelo ebonakalayo ukukunceda ukuba ube nomfanekiso-ngqondweni wala magama. Nantsi indlela onokwakha ngayo isiseko esiluqilima sezemali:

• Phuhlisa isicwangciso sohlahlo lwabiwo-mali. Cacisa ngokucacileyo ibhajethi yakho yenyanga ngokusekelwe kwimithombo yakho yomvuzo-nokuba yinkxaso yabazali, wokuya, okanye imisebenzi yexeshana. Yahlula iindleko zakho ezimiselweyo (njengerenti kunye nezinto eziluncedo) kunye noguquko (njengokutya kunye nokuzonwabisa) iindleko ukuze uqonde ngokupheleleyo apho imali yakho iya khona nyanga nganye. Umzekelo, ukuba umvuzo wakho wenyanga yi-$1,000, jonga ukuchitha i-$300 ekurenteni, i-$200 kwiigrosari, i-$100 kwizinto eziluncedo, i-$150 kwizinto zesikolo, kwaye ugcine i-$250 eseleyo.
• Beka iliso kwindlela oyisebenzisa ngayo. Gcina iliso elibukhali kwiindleko zakho. Beka phambili iimfuno ezinje ngezindlu, izinto eziluncedo, igrosari, kunye nezixhobo zokufunda, emva koko uqwalasele inkcitho enokuvela njengokuzonwabisa kunye nokutya ngaphandle.
• Zibeke phambili iimfuno kunezifunayo. Funda ukwahlula phakathi kweendleko ezibalulekileyo nezingabalulekanga. Iimfuno ezikhawulezileyo ezifana nerenti kunye negrosari kufuneka zihlale zifika phambi kwenkcitho ekhethiweyo njengezixhobo zobuchwepheshe okanye iimpahla ezithandwayo.
• Ugcino oluzenzekelayo. Misela ugqithiselo oluzenzekelayo kwi-akhawunti yokonga nyanga nganye. Nokuba ipesenti encinci yomvuzo wakho, njenge-5% okanye i-10%, inokwakha ngokuhamba kwexesha ngaphandle kokuqaphela. Umzekelo, ukugcina ngokuzenzekelayo i-50 yeedola ukusuka kwingeniso yenyanga engama-500 yongeza ukuya kuthi ga kwi-600 yeedola ngonyaka.
• Ukwandisa izibonelelo zabafundi. Khangela kwaye usebenzise izaphulelo zabafundi ezikhoyo kwezothutho, isoftware, ukuzonwabisa, kunye nokunye. Olu londolozo lunokongeza ngokukhawuleza kwaye lunciphise kakhulu iindleko zakho zizonke.
• Yakha umqamelo wemali. Qala ingxowa-mali kaxakeka ukuze uhlawule iindleko ebezingalindelekanga, ezifana namatyala onyango okanye uhambo olungxamisekileyo. Injongo yokonga iindleko zokuphila ezixabisa iinyanga ezintathu ubuncinci ukuze ube noxolo lwengqondo.
• Ulwazi lwamanqaku etyala. Ukuqonda iziseko zamanqaku ekhredithi kunye nendlela achaphazela ngayo amathuba akho emali kubalulekile. Izinto eziqhelekileyo ezichaphazela amanqaku akho etyala ziquka imbali yakho yentlawulo, imali oyityalayo, ubude bembali yakho yekhredithi, ikhredithi entsha, kunye neentlobo zekhredithi esetyenzisiweyo. Olu lwazi lubalulekile njengoko uqalisa ukwenza isicelo samakhadi okuthenga ngetyala okanye imali-mboleko.
• Zibekele usukelo lwemali. Qalisa ukumisela iinjongo zezimali ezithile usebenzisa i Isakhelo se-SMART ukukhokela izigqibo zakho kunye nokulandelela inkqubela yakho.
• Hlola kwaye uhlengahlengise rhoqo. Njengoko iimeko zakho zitshintsha, kufuneka uhlahlo lwabiwo-mali lwakho. Kwenze umkhwa ukuphonononga isicwangciso sakho sezemali kwisiqingatha sonyaka ngamnye ukuziqhelanisa nazo naziphi na iinjongo ezintsha zokonga okanye iipatheni zokuchitha.

Khumbula, isitshixo sempumelelo yemali yexesha elide kukungaguquguquki kunye nokuba bhetyebhetye-ukuhlengahlengisa imikhwa yakho njengoko imeko yakho yezemali iguquka kulo lonke umsebenzi wakho waseyunivesithi nangaphaya. Le mithetho-siseko isisiseko ibeka isiseko sezicwangciso-qhinga ezinzulu zemali eziphononongwe kumacandelo alandelayo esi sikhokelo.

Ukusebenzisa itekhnoloji kuhlahlo lwabiwo-mali

Emva kokubeka isiseko esiluqilima kulawulo lwezemali olusisiseko, makhe siphonononge ukuba iteknoloji yamva nje ingaphucula njani kwaye yenze lula indlela yakho yokulawula imali. Kule mihla yedijithali, unokufikelela kuluhlu olubanzi lwee-apps kunye nezixhobo ze-intanethi ezingenzi lula uhlahlo lwabiwo-mali kuphela kodwa ziphinde zilandelele inkcitho yakho kwaye zincede ekusekeni iinjongo zemali. Apha ngezantsi sisikhokelo esikhawulezayo sokusebenzisa obu buchwepheshe ukwenza lula ulawulo lwemali yakho:

Uhlobo lwesixhobo	Iiapps ezingumzekelo	Ezona mpawu	Sebenzisa imeko
Ii-apps zohlahlo lwabiwo-mali	Mint, YNAB (Ufuna uHlahlo-lwabiwo-mali), iPocketGuard	Ujongano olusebenziseka lula, ukulandelela ixesha lokwenyani, amakhonkco kwiiakhawunti zebhanki	Ilungele ukufumana ulwazi lwexesha lokwenyani kwindlela ochitha ngayo imali.
Iitraki zeendleko	Yandisa, kaWally	Ukungena ngesandla, ukulandelela iindleko ezithile	Ilungele abafundi abathanda ukugcina umkhondo wedola nganye echithiweyo.
Ugcino oluzenzekelayo	Ii-Acorns, nemivo	Ukugcinwa ngokuzenzekelayo kweemali ezincinci, uhlalutyo lwenkcitho	Eyona nto ibhetele kwabo bafuna ukonga imali ngaphandle kokucinga ngayo.
Isoftware yokucwangcisa imali	Kha wuleza, Inkunzi yakho	Ulwazi oluphangaleleyo kutyalo-mali, iimali mboleko, nokunye	Kuyimfuneko ukuba abaphumeleleyo bacwangcise ikamva labo lezemali ngokweenkcukacha.
Izixhobo zemfundo	Khan Academy, MyMoney.Gov	Izifundo kuhlahlo lwabiwo-mali, ulawulo lwamatyala, utyalo-mali	Ixabiseke kakhulu kubafundi abanomdla wokwenza nzulu ulwazi lwabo lwezemali.

Ngokudibanisa ezi zixhobo zetekhnoloji kwindlela yakho yolawulo lwemali yemihla ngemihla, ufezekisa ukucaca malunga nezimali zakho kwaye wenze izigqibo ezikrelekrele zenkcitho. Ezi zixhobo ziyilelwe ukukuxhobisa ukuba ulawule imali yakho ngokufanelekileyo kwaye uvule indlela yekamva elikhuselekileyo lezemali. Ngena ngaphakathi kwaye uphonononge indlela isixhobo ngasinye esinokuthi silungelelaniswe ngayo neemfuno zakho kwaye uqale ukuthatha amanyathelo asebenzayo ekuphumezeni iinjongo zakho zemali.

Ukuphila nge-Eco-friendly kuhlahlo lwabiwo-mali

Ukuhamba ukusuka ekusebenzeni kwedijithali ukuya kubomi obuzinzileyo, ukwamkela indlela yokuphila eco-friendly njengomfundi akunyanzelekanga ukuba ucinezele uhlahlo lwabiwo-mali lwakho. Ngapha koko, uninzi lweendlela zokukhathalela indalo zinokuxhasa ukonga imali yakho. Nazi iindlela ezininzi zokukunceda ukuba uphumelele kokusingqongileyo nangokwezimali:

• Ukunciphisa ukusetyenziswa kwamandla. Amanyathelo amancinci angakhokelela kugcino olukhulu kumatyala akho amandla. Ukucima izibane xa kungekho mfuneko, usebenzisa izixhobo ezonga amandla, kunye nokukhetha iileya ezongezelelweyo endaweni yokunyusa ubushushu kunokwehlisa kakhulu iindleko zakho zenyanga.
• Ukunyusa kunye neeprojekthi ze-DIY. Ngaphambi kokuba uthenge izinto ezintsha, cinga ukuba ungaphinda uyisebenzise na into osele unayo. Ukuguqula ifenitshala, ukufumana imihlobiso yesandla sesibini, okanye ukulungisa iimpahla kunokongeza i-flair yomntu ngaphandle kweendleko zemali kunye nokusingqongileyo kwempahla entsha. Ukuphefumlelwa kunye nezikhokelo zenyathelo ngenyathelo, jonga oku Isifundo sikaYouTube kwiiprojekthi ze-DIY oko kunokukunceda ukuba uqalise kwaye uvuselele ubuchule bakho.
• Khetha iimveliso ezihambelana nokusingqongileyo. Khetha iimveliso ezisebenzisa ukupakishwa okuncinci okanye ezinesiqinisekiso se-eco-friendly. Ukutshintshela kwiisepha ezinokonakala, ukutyala imali kwiibhotile zamanzi eziphinda zisetyenziswe, kunye nokusebenzisa iibrashi zamazinyo ze-bamboo ziindlela ezilula zokunciphisa ifuthe lakho lokusingqongileyo kunye nokugcina imali kwixesha elide.
• Ukuthengwa kwezinto ezininzi kunye neevenkile ezilungele indalo. Nciphisa zombini iindleko kunye nokupakishwa kwenkunkuma ngokuthenga ngobuninzi. Khangela iivenkile zasekuhlaleni ezikuvumela ukuba uthenge izinto ezisisiseko ezifana neenkozo, amandongomane, kunye neziqholo ngobuninzi obuninzi-zizisa nje izitya zakho ukugcina imali kunye nokunciphisa inkunkuma.
• Idijithali endaweni yoshicilelo. Yamkela inguqu yedijithali yezixhobo zakho zemfundo. Khetha iinguqulelo zedijithali zeencwadi zezifundo, amanqaku, kunye nokufunda ukuze ugcine ephepheni, rhoqo ngexabiso eliphantsi okanye simahla, nto leyo enokucutha kakhulu iindleko zakho zemfundo.
• Izithuthi zikawonke-wonke kunye nokuhamba ngebhayisekile. Thatha ithuba lezithuthi zikawonke-wonke okanye ucinge ngebhayisekile kuhambo lwemihla ngemihla. Oku akukongi nje imali kwipetroli nakwindawo yokupaka, kodwa kukwacutha unyawo lwakho lwekhabhoni, nto leyo eyenze ukuba ibe lukhetho olungabizi kakhulu nolulungele indalo.
• Zilimele ukutya kwakho. Nokuba indawo inqabile, njengakumagumbi okulala, kuyenzeka ukuba kukhule imifuno okanye imifuno emincinci kwiimbiza zefestile. Oku kukubonelela ngemveliso entsha, ukunciphisa amatyala egrosari, kwaye kukuqinisekisa ukuba utya ukutya okungenazibulali zinambuzane, unciphisa iindleko zakho zokutya zizonke.

Ukudibanisa ezi ndlela zilungele i-eco-friendly kwindlela yakho yemihla ngemihla kukunceda ukuba ube negalelo elihle kwiplanethi ngelixa ulawula imali yakho ngokufanelekileyo. Le ndlela ikhulisa indlela yokuphila exabisa uzinzo ngaphandle kokuncama ukusebenza kwezoqoqosho.

Inkcitho ngobuchule: Iindlela ezikhawulezayo zokonga imali yabafundi

Ukutshintsha ukusuka ekuqondeni ulawulo lwezemali olusisiseko kunye nezenzo ezilungele indalo, inkcitho ngobuchule ifuna ubuchule, amanyathelo akhawulezileyo okwandisa ukonga ngaphandle kokubeka esichengeni indlela yakho yokuphila. Apha ngezantsi, sijonga iindlela ezisebenzayo zokolula uhlahlo lwabiwo-mali lwakho ngakumbi kwaye uphucule ulwazi lwakho lwezezimali:

Izicwangciso zokuthenga ezisebenzayo

• Bopha amandla ezaphulelo. Khangela izaphulelo ngenkuthalo, ngakumbi ngexesha lentengiso yamaxesha onyaka okanye imisitho yentengiso, enokuthi icuthe kakhulu iindleko kwizinto eziyimfuneko kunye nezinto ozikhethayo ngokufanayo.
• Uvakalelo lwexabiso. Ngaphandle kokuthelekisa amaxabiso, qonda ixesha lokuthenga. Ukuthenga izinto ezikwi-off-season kunokonga isixa esikhulu, kwaye ukusebenzisa izixhobo zokulumkisa ngexabiso kwi-Intanethi kunokukunceda uthenge ngelona xabiso liphantsi.

Uhlengahlengiso kwindlela yokuphila yokugcina

• Yandisa iindleko zokutya. Yazisa ucwangciso lokutya kwindlela yakho ukuphepha ukuthenga ngokungxama. Sebenzisa ii-apps ezidwelisa iiresiphi ezisekelwe kwiintengiso zangoku kunye nokwenyusa ukwenza izicwangciso zokutya ezingabizi kakhulu.
• Ukhetho olunempilo, ukonga okukhulu. Shiya ekuyekeni imikhwa engafanelekanga uye kubandakanywa nemikhwa esempilweni eyonga iindleko. Thatha inxaxheba kwiiklasi zokuzilolonga zasimahla okanye eziphantsi kwekhampasi okanye kwi-intanethi ukuze uhlale ulungile kuhlahlo lwabiwo-mali.

Ukusebenzisa uluntu kunye nezibonelelo ekwabelwana ngazo

• Zibandakanye ekuthengeni ngokubambisana. Yandisa ngaphaya kweenzame zomntu ngamnye kwintsebenziswano yoluntu ngokuthatha inxaxheba okanye ngokuqalisa amaqela okuthenga entsebenziswano. Esi sicwangciso sikuvumela wena kunye noontanga bakho ukuba ngokudibeneyo nithenge izinto ezisisiseko ezininzi, ukonga imali kunye nokukhuthaza unxibelelwano loluntu.
• Ubhaliso lwedijithali ekwabelwana ngalo. Qalisa ukulawula kunye nokwabelana ngeendleko zezixhobo zedijithali ezifana neenkonzo zokusasaza kunye nokubhaliselwa kwezemfundo ngokulungelelanisa nofunda nabo. Le ndlela yokusebenzisana yongeza izixhobo zakho zemfundo ngaphandle kokuchitha ngaphezulu. Ukuphononongwa nzulu kwesi sicwangciso kunokufunyanwa kweli candelo lilandelayo lokwandisa izixhobo zemfundo.

Ulawulo olusebenzayo lwemithombo

• Ulawulo lorhumo. Gcina iliso ngenkuthalo kwimirhumo yakho eqhubekayo. Uphicotho-zincwadi oluthe gqolo luqinisekisa ukuba uhlawulela kuphela oko usebenzisa ngokwenene, nto leyo enceda ekupheliseni inkcitho yemali.
• Ukulungiselela isidlo. Ukucwangcisa rhoqo kunye nokulungiselela ukutya kunokunciphisa kakhulu inkcitho yokutya kunye neendleko eziphantsi zokutya, kube negalelo kwindlela yokutya enempilo kunye neyongayo.
• Imisebenzi emincinci kunye nomsebenzi osekelwe kumsebenzi. Jonga amaqonga emisebenzi emincinci apho unokwenza imisebenzi emincinci ngexesha lakho lokuphumla. Le misebenzi isoloko ifuna ukuzibophelela okuncinci kodwa inokubonelela ngokulandelelana kwemali eyongezelelweyo.

Khumbula, yonke imali encinci ayincedi kuphela ukugcina uhlahlo lwabiwo-mali olulungeleleneyo kodwa ikwakha ukuzinza okukhulu kwemali kwixesha elizayo.

Icala lokudala i-hustles kubafundi

Njengoko sisimka ekulawuleni iindleko kunye nokonga imali, kubalulekile ukuba sijonge neendlela ezonwabileyo zokunyusa umvuzo wakho ngeminyaka yakho yaseyunivesithi. Ukuntywila kwii-hustles zoyilo yindlela emnandi yokufumana imali eyongezelelweyo kwaye uphucule izakhono ezikhulisa amandla akho. CV kwaye wandise inethiwekhi yakho yobuchwephesha. Nazi ezinye iigigs ezibhetyebhetye ezilungele ishedyuli yakho yabafundi eguqukayo, ibonelela ngeenzuzo zemali kunye namava axabisekileyo:

• Lawulo lweendaba zoLuntu. Lawula imidiya yoluntu yamashishini amancinci okanye aqalayo. Le gig iguqula izihlunu zakho zokuyila kwaye igqibelele ukuba uyathanda ukwenza amabali avela kwisondlo sentlalo, ekunika ukuguquguquka kunye ne-chops yokuthengisa exabisekileyo.
• Ukuyila kunye nokuthengisa. Jonga igcisa lakho langaphakathi ngamaqonga afana ne-Etsy okanye i-Instagram ukuthengisa izinto ozenzileyo ngezandla. Nokuba bubucwebe, imizobo, okanye isinxibo se-bespoke, ukuguqula ubugcisa bakho bube yimali akwanelisi nje kuphela kodwa kuphumza kakhulu.
• Ukufundisa kwi-intanethi. Fundisa izifundo zakho ozithandayo kwi-intanethi ngokusebenzisa amaqonga afana nala Tutor.com or Abaqeqeshi beChegg. Seta iiyure zakho kwaye usebenze naphi na apho ungafaka khona ilaptop yakho-imali elula ngelixa unceda oontanga.
• Uyilo lwegraphic oluzimeleyo. Sebenzisa izakhono zakho zoyilo ukuze uthabathe iigigi ezizimeleyo ukusuka ekudalweni kwelogo ukuya kwizixhobo zokuthengisa ezipheleleyo. Jonga iisayithi ezifana Upwork, Fiverr kwaye ndiyakuthanda ukunxibelelana nabathengi abafuna iliso lakho kubuhle.
• Ukufota. Guqula umdlalo wakho wokufota ube lishishini elinengeniso ngokugubungela imisitho, ukwenza imizobo, okanye ukuthengisa ezona foto zakho zintle kwi-Intanethi. Yindlela entle yokuguqula uthando lwakho lube yimali yomvuzo kwaye wakhe ipotfoliyo yobungcali.
• Ukubhala kunye nokubhloga. Ukuba amagama asisixhobo sakho sokuzikhethela, zama ukubhala amanqaku okanye ukulawula iblogi. Oku kunokuba yi-hustle enenzuzo kunye namaqonga ahlawula umxholo osemgangathweni, kwaye iiblogi zinokuzisa imali ngeentengiso kunye neenkxaso.
• Umncedisi onyanisekileyo. Lo msebenzi ubhetyebhetye kakhulu, ikuvumela ukuba ulawule iifowuni, iishedyuli, kunye nee-imeyile ukusuka naphi na, oko kuwenza lolona khetho luphambili kubafundi abaxakekileyo.
• Umyalelo wokomelela. Abantu abathanda ukomelela banokwenza imali kwiiklasi zokufundisa okanye balungiselele uqeqesho lobuqu. Yeyona ndlela ilungileyo yokuzigcina usempilweni, ukunceda abanye ukuba benze okufanayo, kwaye bakhuphe imali ngelixa ukuyo.
• Uphuhliso lokusebenza. Ukuba ikhowudi yifowuni yakho, uphuhliso losetyenziso lunokuba yigolide yakho. Nokuba uyazisebenzela okanye usungula eyakho iapp, umhlaba wetekhnoloji ulambele amatsha amatsha kwaye uzimisele ukuzihlawulela.
• Umsebenzi weVoiceover. Yizame kwiintengiso, oopopayi, okanye imathiriyeli yokufundisa. Yindlela eyonwabisayo yokufumana imali kwaye ugqibelele izakhono zakho zelizwi.

Ukuzibandakanya kwezi zinto zityebisa iakhawunti yakho yebhanki kwaye kukuxhobise ngamava amangalisayo kunye nezakhono ezihlala ixesha elide emva kokuphumelela. Ngaphezu koko, bayindlela entle yokwenza imali ngokwemiqathango yakho, ukudibanisa umsebenzi kunye nezifundo zakho ngaphandle komthungo.

Ukwandisa izixhobo zemfundo

Ukusuka kwindawo yenkcitho ekrelekrele kunye nokuvelisa ingeniso yokuyila, makhe sijonge ukuba ukusebenzisa ngokupheleleyo izixhobo zaseyunivesithi kungawaphucula njani amava akho okufunda ngelixa unciphisa iindleko zemfundo. Ezi zibonelelo kunye neenkonzo azikho nje malunga nokunciphisa iindleko; zibalulekile ekutyebiseni uhambo lwakho lwezifundo kwaye zikulungiselele umsebenzi onempumelelo.

Iinkonzo ezibanzi zamathala eencwadi

Yandisa ukusebenzisa kwakho ithala leencwadi laseyunivesithi, elibonelela ngokungaphezulu kunemali-mboleko yeencwadi kuphela. Fikelela koovimba beenkcukacha ababiza imali eninzi, iijenali zemfundo, kunye nee-e-books ezidla ngokubiza imali eninzi. Ukusebenzisa ezi zixhobo kunokukusindisa ekuthengeni iincwadi zezifundo kwaye kubonelele ngemathiriyeli ebanzi yezifundo zakho kunye nophando.

Ukufikelela kwimirhumo yezifundo

Amasebe emfundo amaninzi abonelela ngokufikelela simahla kwisoftware eyimfuneko kunye namaqonga emfundo afana neMATLAB, Adobe Suite, kunye nezixhobo zophando ezikhethekileyo. Ezi zihlala zibandakanyiwe kwisifundo sakho kwaye zibalulekile kwizifundo kunye nophuhliso lwezakhono, ukonga imali eninzi ekuthengeni isoftware.

Isoftware encomekayo kunye nenkxaso yobugcisa

Zuza kuluhlu lwesoftware yasimahla efumaneka kwiziko lakho, ukusuka kwiisuti zemveliso ukuya kwizixhobo zohlalutyo oluphambili. Sebenzisa inkxaso ye-IT ekwikhampasi ukusombulula imiba yobugcisa ngaphandle kwesidingo seenkonzo ezibiza imali eninzi zangaphandle, ukuqinisekisa inkqubela-phambili yezemfundo engenamagingxi-gingxi nengabizi kakhulu.

Iinkonzo zenkxaso yezemfundo

Sebenzisa ukufundisa simahla kunye neenkonzo zenkxaso yezemfundo ukuphucula ukusebenza kwakho kwezemfundo. Amaziko afana namaziko okubhala kunye neelebhu zezibalo akanikeli nje kuphela uncedo oluxabisekileyo kodwa kwanamabali obomi bokwenyani, njengomfundi ophucule amabakala akhe okubala ukusuka ku-C ukuya ku-A ngeeseshoni eziqhelekileyo kwilebhu yezibalo. Ezi nkonzo zinokukomeleza kakhulu ukuqonda kwakho izifundo ezinzima kwaye zandise amabakala akho.

Ukuthatha inxaxheba kwiindibano zocweyo kunye neesemina

Landela rhoqo iindibano zocweyo kunye neesemina. Ezi ziganeko ziyakuphucula ukufunda kwaye zikuvumela ukuba udibane neengcali kunye noontanga ngaphandle kwemali eyongezelelweyo, ukwandisa i-horizons yakho yemfundo ngaphaya kweklasi.

Ukuqina kunye nempilo

Endaweni yokuchitha imali kubulungu bejim, sebenzisa izibonelelo zempilo ezibonelelwa yikhampasi yakho. Uninzi lweedyunivesithi zibonelela ngeendawo zokujima ezixhotyiswe kakuhle, amadama okuqubha, kunye neenkundla zemidlalo, ezinokuba yindlela entle yokuhlala usempilweni kwaye usebenza ngaphandle kweendleko ezongezelelweyo.

Iinkonzo zokulungiselela umsebenzi

Zisebenzise ngokupheleleyo iinkonzo zeyunivesithi yakho. La maziko abonelela ngokuphononongwa kwakhona, udliwano-ndlebe, kunye namathuba onxibelelwano, axabisekileyo njengoko ulungiselela ukungena kwimarike yomsebenzi. Basenokunikezela ngeendibano zocweyo malunga nolwazi lwezemali kunye nokucwangciswa kwekhondo lomsebenzi, bekunceda ukuba umisele inqanaba lenkululeko yezemali emva kokuphumelela.

Ukusebenzisa ezi zixhobo zemfundo ngokufanelekileyo kukunceda ukuba wonge imali eninzi kwaye kukuxhobise ngezixhobo ezifunekayo ukuze uphumelele ezifundweni. Njengoko usiba nobuchule ekusebenziseni la mathuba, kukwaluncedo ukuphonononga ukuba ubudlelwane bakho kunye nothungelwano banokudlala njani indima ebalulekileyo ekunciphiseni ngakumbi iindleko zemfundo.

Uthungelwano ukunciphisa iindleko

Uthungelwano alukho malunga nokutyhila nje amathuba emisebenzi-kwasisicwangciso esilumkileyo sokwandisa uhlahlo lwabiwo-mali ngexesha lakho lokufunda. Ngokusebenzisana noontanga, unokufumana iindlela ezikrelekrele zokwenza imali yakho iye phambili. Nazi ezinye iingcebiso ezisebenzayo zokuzibandakanya noluntu lwakho ezingazukukunceda kuphela ukonga imali kodwa ziphucule ubomi bakho bomfundi:

• Utshintshiselwano ngeencwadi. Kutheni uthenga entsha xa unokutshintshana? Lungiselela okanye ujoyine imicimbi yokutshintshiselana ngeencwadi zezifundo ekuqaleni okanye ekupheleni kwesiqingatha sonyaka. Kukuphumelela: uya konga imali kwaye uxhase iindlela zokuphilisana kwendalo phakathi koontanga bakho.
• Ukuqhuba imoto. Yehlisa iindleko zakho zokuhamba ngokwabelana ngokukhwela ukuya ekhampasini okanye ukubuyela ekhaya. Usetyenziso kunye namaqela eendaba ezentlalo akwenza kube lula ukunxibelelana nabanye abafundi abakhokelwa ngendlela efanayo.
• Ukwabelana ngezindlu. Vula incoko ngamalungiselelo omntu ohlala naye. Ukwabelana ngendawo kunokunciphisa kakhulu iindleko zakho zokuphila-imali engakumbi ngobusuku bepizza!
• Ukutshintsha izakhono. Izakhono zorhwebo endaweni yokuchitha imali. Ulungile kuyilo lwegraphic? Nikeza ukuyila iflaya ukutshintshiselana ngoncedo kwikhosi enzima. Konke kukuncedisana ngaphandle kokuvula isipaji sakho.
• Iigadi zoluntu kunye namaqela okulungiselela ukutya. Joyina igadi yasekuhlaleni okanye uqalise iqela lokulungiselela ukutya. Awuyi kunciphisa kuphela iindleko zokutya, kodwa uya kutya ukutya okunempilo kwaye mhlawumbi wenze abahlobo abambalwa kwinkqubo.

Ukudala unxibelelwano oluphumelelayo ekwabelaneni kunye nentsebenziswano akugcini nje ukugcina imali-kwaye kukhuthaza umoya wenkxaso yoluntu ophucula amava akho ekholeji kwaye ufundise izakhono ezixabisekileyo zentsebenziswano ezihlala ixesha elide emva kokuphumelela.

Ukwakha ikhredithi njengomfundi

Kubafundi abaninzi, ikholeji ayikho nje malunga nokubetha iincwadi; ikwalixesha elibalulekileyo lokubeka phantsi iingcambu zakho zemali. Ukuseka amanqaku aqinileyo etyala ngoku kunokuvula iingcango kwiintshukumo zemali ezinkulu kwixesha elizayo, njengokurhola imali-mboleko enenzala ephantsi kunye nokufumana imiqathango emnandi kwizindlu. Nasi isicwangciso sakho somdlalo wokwakha kunye nokulawula ikhredithi yakho ngenkathalo:

• Qala ngekhadi letyala lomfundi. Iibhanki ezininzi zikhupha ikhaphethi ebomvu kubafundi abangenayo imbali yetyala ngamakhadi okuthenga ngetyala ayilwe ngokukodwa. Ezi gems ziza nemida ephantsi kwaye zilula kwimirhumo, zibenza bagqibelele xa uqala ukungena ngetyala. Zisebenzise kwizinto ezincinci kwaye uhlawule ibhalansi nyanga nganye ukuphepha ezo ntlawulo.
• Iintlawulo zamatyala ngexesha. Ukusoloko uhlawula amatyala akho ngexesha kubalulekile ukugcina amanqaku alungileyo etyala. Oku kuquka zonke izibophelelo zakho zemali, hayi iintlawulo zekhadi letyala kuphela—ezifana nerenti, izinto eziluncedo, kunye nemirhumo.
• Jonga iimali-mboleko zomakhi wetyala. Jonga iimali-mboleko zomakhi wetyala kwezinye iibhanki ezinolwazi. Bayitshixa imali ebolekiweyo ngelixa uyihlawula ekuhambeni kwexesha. Nje ukuba yonke ihlawulwe, imali yeyakho, kwaye unerekhodi eqinileyo yokuhlawulwa ngexesha elifanelekileyo.
• Sebenzisa i-co-signer ukuba kuyimfuneko. Ukuba ukufaneleka ukufumana ikhredithi kulucelomngeni, cinga ukusebenzisa umntu otyikitya kunye onembali eqinileyo yekhredithi. Ukuma kwabo ngetyala kunokukunceda ukuba ufumane imvume yeemveliso zetyala, kodwa qaphela njengoko indlela oziphatha ngayo ngokwemali iya kuba nefuthe kumanqaku abo etyala ngokunjalo.
• Xhasa amanqanaba asezantsi amatyala. Injongo yokugcina ibhalansi yekhadi lakho letyala lingaphantsi kwemida yakho. Ukukhupha amakhadi akho kunokulimaza amanqaku akho ekhredithi, nokuba uwahlawula ngexesha.
• Libeke esweni ityala lakho rhoqo. Rhoqo jonga iingxelo zekhredithi yakho nakuphi na ukutyibilika okanye izinto ezinomthunzi. Ungabamba ingxelo yasimahla kwi-arhente nganye enkulu yokunika ingxelo ngetyala kanye ngonyaka kwi-AnnualCreditReport.com.
• Ikhonkco lokuzimela ngokwezimali. Ulawulo olululo lwetyala lisango lokuzimela ngokwasezimalini, libonelela ngeemeko ezingcono zokubolekwa komntu, ukhetho lwezindlu, kunye nenkxaso-mali yeshishini. Amanqaku anamandla etyala anokukhusela inzala ephantsi kunye nemigaqo encomekayo yemali-mboleko, iququzelele ulawulo lwemali olulula kunye noxinzelelo oluncinci kwizixhobo zakho.
• Iingcebiso kubafundi bamazwe ngamazwe. Ukuba ungumfundi wamazwe ngamazwe awuqhelananga nenkqubo yetyala yasekhaya, kubalulekile ukuqonda imigaqo esisiseko yolawulo lwetyala kwilizwe lakho elisindleke. Qala ngeenketho ezikhuselekileyo zetyala kwaye ufune iingcebiso kwiofisi yoncedo lwemali yeziko lakho okanye kwiinkonzo zabafundi.
• Qonda iingozi zokungawaphathi kakuhle amatyala. Ingakhokelela ekuqokeleleni amatyala, inzala ephezulu, kunye nefuthe elibi kumanqaku akho etyala. Oku kunokwenza kube nzima ukurenta amagumbi, ukufumana imali-mboleko, kwaye kude kuchaphazele namathuba emisebenzi kwiindawo apho ukukhangela amatyala kusisithethe.
• Izibonelelo zolwazi oluthe kratya. Ngena nzulu kulawulo lwetyala ngokusebenzisa amaqonga afana ne Isiseko sikaZwelonke soNcedo ngezeNtengo okanye izixhobo zokufunda zebhanki yakho.

Ngokunamathela kwezi zicwangciso, awugcini nje ukwakha imbali yekhredithi ebalaseleyo-uvula indlela yekamva eliphilileyo ngokwasemalini. Ukusetyenziswa kwetyala ngobulumko sikhono samandla esixhasa imali yakho namhlanje kunye nenkululeko yakho yezemali ngomso.

Ukuvula imali yasimahla yekholeji

Emva kokwakha isiseko esiluqilima kuhlahlo lwabiwo-mali, ekulawuleni ityala, nasekusebenziseni izixhobo zaseyunivesithi, kububulumko ukuphonononga izibonelelo-mali kunye nobudlelwane—iintlobo zoncedo lwemali ongazibuyiseli. Oku kunokunciphisa kakhulu uxinzelelo lwakho lwezemali ngokugubungela iindleko ngaphandle kwemfuneko yokubuyisela, ngokungafaniyo nemali-mboleko yabafundi. Qhagamshelana nesi sikhokelo ukufikelela kwezi zixhobo zixabisekileyo:

• Qonda umahluko. Ukufundiswa kwee-scholarship kudla ngokuvuza impumelelo yezemfundo okanye ye-extracurricular, izibonelelo zijongana neemfuno zemali, kunye nenkxaso yobudlelwane kwizifundo eziqhubela phambili okanye uphando, rhoqo kubandakanya i-stipend yeendleko zokuphila. Ukuqaphela lo mahluko kunokukunceda ukuba ujolise ngcono kwizicelo zakho kwaye uphucule amathuba akho okuphumelela.
• Qala ngeziko lakho. Iyunivesiti yakho ngumthombo otyebileyo wenkxaso yemali. Iikholeji ezininzi zibonelela ngezibonelelo kunye nobudlelwane obungapapashwanga ngokubanzi. Ndwendwela iofisi yakho yoncedo lwemali okanye udibane nabacebisi besebe ukuze utyhile amathuba anokuthi afihlwe.
• Sebenzisa oovimba beenkcukacha ezikhethekileyo. Amaqonga afana Izibonelelo.gov, i Iziko leSiseko, yaye FastWeb Nceda ufumane izibonelelo kunye nobudlelwane obulungele icandelo lakho lokufunda, imvelaphi, okanye iimfuno ezithile. Ezi zixhobo zinokukunceda ucuthe uphendlo lwakho kwaye ugxile kumathuba afanelekileyo.
• Lungiselela kwangethuba. Ukhuphiswano lwala mabhaso lunokuba nzima, ngoko ke qala ukulungiselela izicelo zakho kwangethuba. Qokelela onke amaxwebhu ayimfuneko anje ngemibhalo, iileta zengcebiso, kunye nazo naziphi na izincoko ezifunekayo kwakudala ngaphambi komhla wokugqibela.
• Lungisa izicelo zakho. Yenza isicelo ngasinye sibonise ngokucacileyo ukuba uhlangabezana njani neenjongo zomxhasi. Ukufumana i-scholarship, gxininisa impumelelo yakho yezemfundo okanye imisebenzi yangaphandle. Ukufumana izibonelelo, gxila ekuboniseni imfuno yakho yezemali, kunye nobudlelwane, chaza izicwangciso zakho zophando okanye ukuba isifundo siza kuqhubela phambili njani ikhondo lakho lokufunda. Ukungqale kwaye ngokuthe ngqo kwizicelo zakho kunokwandisa kakhulu amathuba akho okuphumelela.
• Landela imiyalelo kwileta. Namathela ngqo kwimigaqo yesicelo. Ukuphoswa koxwebhu okanye ukuvuthela umhla wokugqibela kunokukukhupha emsebenzini, nokuba ulunge kangakanani na.
• Funa ingxelo. Ngaphambi kokuthumela, yiba nomcebisi onolwazi, umcebisi, okanye umhlobo ojongana nesicelo sakho. Ukuqonda kwabo kunokunceda ekuphuculeni indlela yakho kunye nokwandisa amathuba akho okufumana isibonelelo okanye ubudlelane.
• Khetha ngobulumko, sebenzisa ngobulumko. Faka isicelo sezibonelelo ezininzi kunye nobudlelwane ukwandisa amathuba akho, kodwa gxila kwezona zihambelana neprofayile yakho. Indlela ekugxilwe kuyo idla ngokuphumelela ngakumbi kunendlela ebanzi.

Ukufumana okulungileyo ekufakeni izicelo zokufunda, izibonelelo, kunye nobudlelwane kuphakamisa amathuba akho okufumana imali yasimahla ekholejini kwaye kukunceda unciphise imali mboleko yabafundi. Ukuba nobulumko kwezi zicelo kukhokelela kubomi basekholejini obungenaxinzelelo lwezemali, kukuvumela ukuba ugxile ngakumbi kwizifundo zakho. Ekuhambeni kwexesha, le ndlela yonga imali eninzi kwaye ikwenza ube lula uqale emva kokuphumelela.

Ukulungiselela ukuzimela kwezemali emva kokuphumelela

Njengoko iintsuku zakho zemfundo zifikelela esiphelweni, ukusuka kwimeko yezemali emiselweyo yeyunivesithi ukuya kulawulo lwezemali zehlabathi lokwenyani kubandakanya uhlengahlengiso olubalulekileyo. Nasi isikhokelo sakho sokuhamba kakuhle kolu tshintsho lubalulekileyo:

• Qonda imali-mboleko yakho yabafundi. Qala ngokufumana ukuqonda okuqinileyo ngemali mboleko yakho yabafundi. Yazi imigaqo yakho yokuhlawula, iimali ezifunekayo zenyanga, kwaye xa ixesha lakho loxolelo liphelile. Ukudibanisa iimali-mboleko ezininzi kunokwenza iintlawulo zakho zibe lula kwaye kuthobe nenzala yakho.
• Ukwenza uqingqo-mali kubomi bakho obutsha. Lungiselela uhlahlo lwabiwo-mali olubonisa umvuzo olindelekileyo kunye neendleko zobomi bokwenyani ezifana nerenti, izinto eziluncedo, igrosari, kunye ne-inshurensi. Uhlahlo lwabiwo-mali oluyinyani lukunceda ukuba uphephe ukothuka kwezemali kwaye uqinisekisa uzinzo.
• Ingxowa-mali kaxakeka ingundoqo. Yenza ingxowa-mali yexesha likaxakeka enemali eyaneleyo yokuhlawula iindleko zeenyanga ezintathu ukuya kwezintandathu. Kubalulekile kuxolo lwengqondo njengoko ujongana nemiqobo yomsebenzi kwangoko kunye neendleko ebezingalindelekanga.
• Cinga ngekamva—umhlala-phantsi neerhafu. Nangona umhlala-phantsi unokubonakala ngathi usekude kakhulu, ukuqala ukonga kwangoko kunokuhlawula. Ukuba umsebenzi wakho unikezela ngesicwangciso sama-401 (k), qiniseka ukuba unikela ngokwaneleyo ukuze ufumane nasiphi na isixa esihambelanayo nomqeshi wakho. Usenokucinga nangokuqalisa i-IRA (Iakhawunti Yomhlalaphantsi Yomntu ngamnye), enokukunceda ukuba wongele umhlala-phantsi ngeenzuzo ezithile zerhafu. Nokuba ukhetha i-IRA yesiNtu okanye i-Roth IRA, nganye ineenzuzo ezahlukeneyo zerhafu. I-IRA yesiNtu inokunciphisa iirhafu zakho ngoku kuba unako ukutsala iminikelo yakho kwimbuyekezo yerhafu, ngelixa i-Roth IRA ivumela imali yerhafu xa uthatha umhlalaphantsi.
• Gcina amanqaku etyala asempilweni. Qhubeka nokwakha amanqaku akho etyala ngentlawulo ngexesha elifanelekileyo kwiimali mboleko zakho kunye namakhadi okuthenga ngetyala. Amanqaku anamandla etyala anceda ekuthengeni okubalulekileyo njengamakhaya okanye iimoto kwaye kukhuseleke imiqathango engcono yokuboleka imali.
• Ungaze uyeke ukufunda. Imfundo yezemali ayipheli ngokuthweswa isidanga. Qhubeka ufunda ngeendibano zocweyo, iindaba zemali, kunye nokufunda ngokuqhubekayo. Ulwazi lwezezimali luyakhula ngotshintsho kubomi bakho kwaye kukugcina ulungele izigqibo zemali zexesha elizayo.

Ngokujongana nale mimandla, awuzifundeli nje ubomi bakho emva kwekholeji-uqinisekisa ukuba unemali ephilileyo kunye nesiqalo esiyimpumelelo kubomi bakho basemva kokuphumelela.

isiphelo

Umsebenzi omkhulu wokufumana esi sikhokelo! Senze izinto ezininzi, ukusuka kwindlela yokwenza uhlahlo lwabiwo-mali ngobulumko kunye nokusebenzisa itekhnoloji ukonga imali, ukuya ekuchitheni ngobuchule kunye nokuphila ngendlela ezinzileyo ngelixa useyunivesithi. Njengoko ulungiselela ukusuka kubomi bomfundi uye kwihlabathi elisebenzayo, jonga ngeliso elibukhali kwimali mboleko yakho yomfundi, usethe uhlahlo lwabiwo-mali olusebenza kwihlabathi lokwenyani, kwaye uqale ukucinga ngekamva lakho ngokuthatha umhlala-phantsi ngobuchule kunye nokucwangciswa kwerhafu. Khumbula, uhambo lwakho lwezezimali luyaqhubeka-phinda ubuyele ezi ngcebiso njengoko ukhula kwaye ujongene nemingeni emitsha yemali. Qhubeka usebenzisa oko ukufundileyo ukugcina imali yakho isempilweni. Yonke intshukumo oyenzayo linyathelo elikhokelela kwinkululeko yezemali kunye nokufezekisa amaphupha akho. Naku ukuthatha ulawulo lwemali yakho kunye nokwakha ikamva eliqaqambileyo!