Imali ehlakaniphile ihamba kahle empilweni yezezimali yabafundi

I-Smart-money-ihambisa-impilo-nhle-yezimali yomfundi
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Yebo, impilo yomfundi—lapho ikhofi kuyiqembu lokudla, izinsuku zokugcina zifika ngokushesha kunokukhokha, futhi isikhwama sakho semali ngokuvamile sizwakala silula kakhulu. Kodwa ungesabi! Noma ngabe uzulazula onyakeni wakho wokuqala noma ugijimela ekutholeni iziqu, ukuphatha izimali zakho akumele kube umsebenzi onzima. Siyakwamukela kumhlahlandlela wakho omkhulu wokuthi ungayigcina kanjani i-akhawunti yakho yasebhange inempilo njengamabanga akho. Kusukela kuma-hacks ebhajethi ahlakaniphile kanye nobuchwepheshe obusebenzayo bokuhlela imali ukuya ekwenzeni ukukhetha okuvumelana nemvelo okonga imali, sikuphathele.

Zilungiselele futhi uqhubekisele phambili indlela yakho ekulawuleni imali—iwumhlahlandlela wakho wokuba kahle kwezezimali, ulungele ukuguqula indlela ophatha ngayo imali yakho phakathi nangaphezulu kweminyaka yakho yasenyuvesi!

Izisekelo zemali zokuphumelela komfundi

Ukuqala uhambo lwakho lokuphatha imali ngobuhlakani ekuqaleni kweminyaka yakho yasenyuvesi kungabeka inkundla yekusasa elizinzile ngokwezimali. Lesi sigaba sethula amasu abalulekile okuqinisa izimali zakho esikhathini eside, sifaka izibonelo ezisebenzayo zokukusiza ubone ngeso lengqondo le mibono. Nansi indlela ongakha ngayo isisekelo sezimali esiqinile:

  • Yakha ipulani yesabelomali. Chaza ngokusobala ibhajethi yakho yanyanga zonke ngokusekelwe emithonjeni yakho yemali engenayo—kungaba ukwesekwa kwabazali, imifundaze, noma amatoho. Hlukanisa izindleko zakho ezingaguquki (njengerenti nezinsiza) kanye neziguquguqukayo (njengokudlela nokuzijabulisa) ukuze uqonde ngokugcwele ukuthi imali yakho iya kuphi inyanga ngayinye. Isibonelo, uma iholo lakho lanyanga zonke lingu-$1,000, hlose ukusebenzisa u-$300 ekuqashweni, u-$200 ekuthengeni, u-$100 ezintweni ezisetshenziswayo, u-$150 ezintweni zesikole, bese ulondoloza u-$250 osele.
  • Gada indlela osebenzisa ngayo imali. Qaphela izindleko zakho. Beka kuqala izidingo njengezindlu, izinsiza, igrosa, nezinto zokufunda, bese ucabangela ukusebenzisa imali ngokubona kwakho njengokuzijabulisa nokudla.
  • Beka kuqala izidingo kunezimfuno. Funda ukuhlukanisa phakathi kwezindleko ezibalulekile nezingabalulekile. Izidingo ezisheshayo ezifana nerenti negilosa kufanele njalo zize ngaphambi kokusebenzisa imali ozikhethela yona njengamagajethi noma izingubo zemfashini.
  • Yenza ukonga ngokuzenzakalelayo. Setha ukudluliselwa okuzenzakalelayo ku-akhawunti yokonga njalo ngenyanga. Ngisho nephesenti elincane lomholo wakho, njengo-5% noma u-10%, lingakhula ngokuhamba kwesikhathi ngaphandle kokuqaphela. Isibonelo, ukulondoloza ngokuzenzakalelayo u-$50 emalini engenayo yanyanga zonke engu-$500 kwengeza kufika ku-$600 ngonyaka.
  • Khulisa izinzuzo zabafundi. Funa ngenkuthalo futhi usebenzise izaphulelo zabafundi ezitholakala kwezokuthutha, isofthiwe, ezokuzijabulisa, nokuningi. Lokhu konga kungakhula ngokushesha futhi kunciphise kakhulu izindleko zakho zizonke.
  • Yakha umcamelo wezezimali. Qala isikhwama sezimo eziphuthumayo ukuze ukhokhele izindleko ezingalindelekile, njengezindleko zezokwelapha noma uhambo oluphuthumayo. Zimisele ukonga okungenani izindleko zokuphila zezinyanga ezintathu ukuze uthole ukuthula kwengqondo.
  • Ukuqwashisa ngomphumela wesikweletu. Ukuqonda izisekelo zezikolo zezikweletu nokuthi ziwathinta kanjani amathuba akho ezezimali kubalulekile. Izinto ezivamile ezithinta isikolo sakho sesikweletu zihlanganisa umlando wakho wokukhokha, amanani owakweletayo, ubude bomlando wakho wesikweletu, isikweletu esisha, nezinhlobo zezikweletu ezisetshenzisiwe. Lolu lwazi lubalulekile njengoba uqala ukufaka isicelo samakhadi esikweletu noma imali mboleko.
  • Zibekele imigomo yezezimali. Qala ukubeka imigomo ethile yezezimali usebenzisa i Uhlaka lwe-SMART ukuqondisa izinqumo zakho futhi ulandelele inqubekelaphambili yakho.
  • Buyekeza futhi ulungise njalo. Njengoba izimo zakho zishintsha, kufanele kube njalo nangesabelomali sakho. Kwenze umkhuba ukubuyekeza uhlelo lwakho lwezezimali isemester ngayinye ukuze uvumelane nanoma yimiphi imigomo emisha yokonga noma amaphethini okusebenzisa imali.

Khumbula, isihluthulelo sempumelelo yezezimali yesikhathi eside ukungaguquguquki nokuvumelana nezimo—ukujwayela imikhuba yakho njengoba isimo sakho sezezimali sishintsha kuwo wonke umsebenzi wakho wasenyuvesi nangale kwalokho. Lezi zimiso eziyisisekelo zakha isisekelo samasu ajulile ezezimali acutshungulwa ezigabeni ezilandelayo zalo mhlahlandlela.

Ukusebenzisa ubuchwepheshe bokwenza isabelomali

Ngemva kokubeka isisekelo esiqinile ekuphathweni kwezimali okuyisisekelo, ake sihlole ukuthi ubuchwepheshe bakamuva bungathuthukisa kanjani futhi benze indlela yakho yokuphatha imali ibe lula. Esikhathini sanamuhla sedijithali, ungafinyelela uchungechunge olubanzi lwezinhlelo zokusebenza namathuluzi aku-inthanethi angagcini nje ngokwenza ibhajethi ibe lula kodwa futhi alandelele indlela osebenzisa ngayo imali futhi akusize ukusetha imigomo yezezimali. Ngezansi umhlahlandlela osheshayo wokusebenzisa lobu buchwepheshe ukuze wenze lula ukuphathwa kwakho kwemali:

Uhlobo lweThuluziIzinhlelo zokusebenza eziyisiboneloIzimpawu ezisemqokaSebenzisa icala
Izinhlelo zokusebenza zebhajethiMint, I-YNAB (Udinga Isabelomali), PocketGuardIzixhumanisi ezisebenziseka kalula, ukulandelela ngesikhathi sangempela, izixhumanisi zama-akhawunti asebhangeIlungele ukuthola imininingwane yesikhathi sangempela emikhubeni yakho yokuchitha.
Abalandeleli bezindlekoYandisa, WallyUkufakwa ngesandla, ukulandelela izindleko ezithileKuhle kubafundi abathanda ukulandelela mathupha yonke idola esetshenzisiwe.
Ukonga okuzenzakalelayoAcorns, I-DigitUkonga okuzenzakalelayo kwamanani amancane, ukuhlaziya ukusetshenziswa kwemaliOkuhle kakhulu kulabo abafuna ukonga imali ngaphandle kokucabanga ngakho.
Isofthiwe yokuhlela izimaliQalisa, Inhlokodolobha YakhoImininingwane egcwele mayelana nokutshalwa kwezimali, imali mboleko, nokunyeKubalulekile kwabathweswe iziqu ukuhlela ikusasa labo lezezimali ngokuningiliziwe.
Izinsiza zemfundoKhan Academy, I-MyMoney.GovOkokufundisa ngebhajethi, ukuphathwa kwezikweletu, ukutshala imaliKubaluleke kakhulu kubafundi abazimisele ukujulisa ulwazi lwabo lwezezimali.

Ngokuhlanganisa lawa mathuluzi ezobuchwepheshe ohlelweni lwakho lwansuku zonke lokuphathwa kwezimali, uzuza ukucaca ngezimali zakho futhi wenze izinqumo zokusebenzisa imali ezihlakaniphile. Lawa mathuluzi aklanyelwe ukukunika amandla okuphatha imali yakho ngempumelelo kakhudlwana futhi avule indlela yekusasa lezezimali elivikelekile. Ngena futhi uhlole ukuthi ithuluzi ngalinye lingafanelana kanjani nezidingo zakho futhi uqale ukuthatha izinyathelo ezisheshayo ekufezeni imigomo yakho yezezimali.

Ukuphila ngendlela eco-friendly ngebhajethi

Ukusuka ekusebenzeni kahle kwedijithali uye ekuphileni okusimeme, ukuphila ngendlela eco-friendly njengomfundi akudingekile ukuba kucindezele ibhajethi yakho. Eqinisweni, izinqubo eziningi eziqaphela imvelo nazo zingakusekela ukonga imali yakho. Nawa amasu amaningana angakusiza ukuthi uchume ngokwezemvelo nangokwezimali:

  • Yehlisa ukusetshenziswa kwamandla. Izenzo ezincane zingaholela ekongeni okukhulu ezikweletini zakho zamandla. Ukucisha izibani uma kungadingeki, usebenzisa izinto zikagesi ezonga amandla, nokukhetha izendlalelo ezengeziwe esikhundleni sokukhanyisa ukushisa kunganciphisa kakhulu izindleko zakho zenyanga.
  • I-Upcycling kanye namaphrojekthi we-DIY. Ngaphambi kokuthenga izinto ezintsha, cabanga ukuthi ungakwazi yini ukuphinda usebenzise lokho osuvele unakho. Ukuguqula ifenisha, ukuthola imihlobiso yesekeni, noma ukulungisa izingubo kungangeza ubuciko bomuntu siqu ngaphandle kwezindleko zezezimali nezemvelo zezimpahla ezintsha. Ukuze uthole ugqozi kanye nemihlahlandlela yesinyathelo ngesinyathelo, bheka lokhu Isifundo se-YouTube kumaphrojekthi we-DIY lokho kungakusiza ukuthi uqalise futhi uvuse ubuhlakani bakho.
  • Khetha imikhiqizo ehambisana nemvelo. Khetha imikhiqizo esebenzisa ukupakishwa okuncane noma eqinisekisiwe eco-friendly. Ukushintshela ezinsipho ezibolayo, ukutshala imali emabhodleleni amanzi angasetshenziswa kabusha, nokusebenzisa izixubho zoqalo kuyizindlela ezilula zokunciphisa umthelela wakho wendawo futhi wonge imali ngokuhamba kwesikhathi.
  • Izitolo zokuthenga ngobuningi kanye ne-eco-friendly. Yehlisa kokubili izindleko kanye nemfucuza yokupakisha ngokuthenga ngobuningi. Bheka izitolo zasendaweni ezikuvumela ukuthi uthenge izinto eziyisisekelo ezifana nokusanhlamvu, amantongomane, nezinongo ngobuningi—vele ulethe iziqukathi zakho ukuze wonge imali futhi unciphise ukumosha.
  • Idijithali esikhundleni sokuphrinta. Yamukela inguquko yedijithali yezinto zakho zemfundo. Khetha izinguqulo zedijithali zezincwadi zokufunda, amanothi, nokufunda ozokugcina ephepheni, ngokuvamile ngezindleko eziphansi noma mahhala, okunganciphisa kakhulu izindleko zakho zemfundo.
  • Izithuthi zomphakathi kanye nokuhamba ngebhayisikili. Thatha ithuba lezinto zokuhamba zomphakathi noma cabanga ukuhamba ngebhayisikili ukuze uhambe nsuku zonke. Lokhu akugcini nje kongi imali kuphethiloli kanye nezindawo zokupaka kodwa futhi kunciphisa indawo yakho ye-carbon footprint, kuyenze ibe ukukhetha okubiza izindleko kanye ne-eco-friendly.
  • Zilimele ukudla kwakho. Ngisho noma isikhala sincane, njengasemagumbini okulala, kungenzeka ukutshala amakhambi noma imifino emincane emabhodweni amafasitela. Lokhu kukunikeza imikhiqizo emisha, ukunciphisa izikweletu zegrosa, futhi kuqinisekise ukuthi udla ukudla okungenazibulala-zinambuzane, kunciphisa izindleko zakho zokudla zizonke.

Ukuhlanganisa le mikhuba eco-friendly ohlelweni lwakho lwansuku zonke kukusiza ukuthi unikele ngendlela eyakhayo emhlabeni kuyilapho uphatha imali yakho ngempumelelo. Le ndlela ithuthukisa indlela yokuphila ekwazisa ukusimama ngaphandle kokudela ukusebenza kwezomnotho.

umfundi-zulazula-izintela-ngempumelelo-futhi-wonga-imali

Ukusetshenziswa okuhlakaniphile: Amasu asheshayo okonga imali yabafundi

Ukushintsha kusukela ekuqondeni ukuphathwa kwezimali okuyisisekelo nezinqubo ezivumelana nemvelo, ukusebenzisa imali ngobuhlakani kudinga izinyathelo ezihlakaniphile, ezisheshayo zokwandisa ukonga ngaphandle kokufaka engcupheni indlela yakho yokuphila. Ngezansi, sihlola amasu asebenzayo okwandisa isabelomali sakho futhi sithuthukise ulwazi lwakho lwezezimali:

Amasu okuthenga asebenzayo

  • Bopha amandla ezaphulelo. Sesha izaphulelo ngokugcwele, ikakhulukazi ngesikhathi sokuthengisa kwesizini noma imicimbi yokuphromotha, enganciphisa kakhulu izindleko ezidingweni nasezintweni ozikhethela ngokufanayo.
  • Ukuzwela kwentengo. Ngale kokuqhathanisa izintengo, qonda isikhathi sokuthenga. Ukuthenga izinto ezingezona isizini kungonga inani elibalulekile, futhi ukusebenzisa amathuluzi okuxwayisa amanani ku-inthanethi kungakusiza ukuthi uthenge ngentengo ephansi.

Ukulungiswa kwendlela yokuphila yokonga

  • Lungiselela izindleko zokudla. Yethula ukuhlela ukudla esimisweni sakho ukuze ugweme ukuthenga izinto ezingalindelekile. Sebenzisa izinhlelo zokusebenza eziklelisa amarisiphu ngokususelwe ekuthengisweni kwamanje namaphromoshini ukuze wenze izinhlelo zokudla ezingabizi kakhulu.
  • Ukukhetha okunempilo, ukonga okukhulu. Susa imikhuba engalungile uye ekufakeni imikhuba enempilo engabizi kakhulu. Bamba iqhaza emakilasini okuqina amahhala noma angabizi kakhulu ekhampasi noma ku-inthanethi ukuze uhlale ufanelekile kubhajethi.

Ukusebenzisa umphakathi kanye nezinsiza ezabiwe

  • Zibandakanye ekuthengeni ngokubambisana. Nweba ngale kwemizamo yomuntu ngamunye ekubandakanyeni umphakathi ngokubamba iqhaza noma ukuqalisa amaqembu okuthenga ngokubambisana. Leli su likuvumela wena kanye nontanga yakho ukuthi nihlangane nithenge ukudla okuyinqwaba, ukukhulisa ukonga nokukhuthaza ukuxhumana nomphakathi.
  • Okubhaliselwe okudijithali okwabiwe. Qala ukuphatha nokwabelana ngezindleko zezinsiza zedijithali ezifana nezinsizakalo zokusakaza-bukhoma nokubhaliselwe kwezemfundo ngokuxhumanisa nofunda nabo ekilasini. Le ndlela yokuhlanganyela ikhulisa izinsiza zakho zemfundo ngaphandle kokusebenzisa imali ngokweqile. Ukuhlola okujulile kwaleli su kungatholakala esigabeni esilandelayo sokwandisa izinsiza zemfundo.

Ukuphathwa kwezinsiza ngendlela efanele

  • Ukuphathwa kokubhaliselwe. Gcina iso lakho ngenkuthalo ekubhaliseni kwakho okwenzeka njalo. Ukucwaningwa kwamabhuku okuvamile kuqinisekisa ukuthi ukhokhela lokho okusebenzisa ngempela kuphela, okusiza ekuqedeni ukumosha imali.
  • Ukulungiselela ukudla. Ukuhlela nokulungiselela ukudla ngokungaguquki kunganciphisa kakhulu ukumoswa kokudla kanye nezindleko zokudla eziphansi, kube nengxenye endleleni yokudla enempilo neyongayo.
  • Imisebenzi emincane kanye nomsebenzi osekelwe emisebenzini. Hlola amapulatifomu emisebenzi emincane lapho ungenza khona imisebenzi emincane ngesikhathi sakho esikhululekile. Le misebenzi ngokuvamile idinga ukuzibophezela okuncane kodwa ingahlinzeka ngokuqhubekayo kwemali eyengeziwe.

Khumbula, konke ukonga okuncane akusizi nje kuphela ukugcina ibhajethi elinganisiwe kodwa futhi yakhela ekuzinzeni okukhulu kwemali esikhathini esizayo.

I-Creative side hustles yabafundi

Njengoba siqhela ekuphatheni izindleko nokonga imali, kubalulekile ukuthi sibheke nezindlela ezijabulisayo zokuthuthukisa iholo lakho phakathi neminyaka yakho yasenyuvesi. Ukungena kuma-creative side hustles kuyindlela enhle yokuthola imali eyengeziwe futhi uthuthukise amakhono athuthukisa amakhono akho. CV futhi wandise inethiwekhi yakho yobungcweti. Nawa ama-gigs avumelana nezimo afanele uhlelo lwakho lomfundi oluguqukayo, akunikeza izinzuzo zezezimali nolwazi olubalulekile:

  • Ukuphathwa kwezindaba zenhlalo. Phatha inkundla yezokuxhumana yamabhizinisi amancane noma abasafufusa. Le gigi ishintsha imisipha yakho yokudala futhi ifaneleka uma uthanda ukudala izindaba ezivela kokuphakelayo komphakathi, ezikunikeza ukuguquguquka nezinqumo zokuthengisa ezibalulekile.
  • Ukwakha nokuthengisa. Shayela umculi wakho wangaphakathi ngezinkundla ezifana ne-Etsy noma i-Instagram ukuze uthengise izinto ozidalile ezenziwe ngezandla. Noma ngabe ubucwebe, imidwebo, noma izingubo ze-bespoke, ukushintsha ubuciko bakho bube yimali akwanelisi nje kuphela kodwa futhi kuphumule kakhulu.
  • Ukufundisa ku-inthanethi. Fundisa izifundo zakho ozithandayo ku-inthanethi ngokusebenzisa izinkundla ezifana Tutor.com or I-Chegg Tutors. Setha amahora akho futhi usebenze noma yikuphi lapho ungafaka khona ikhompuyutha ephathekayo yakho—imali elula kuyilapho usiza ontanga.
  • Idizayini yezithombe ezizimele. Sebenzisa amakhono akho okuklama ukuze uthwebule ama-gig azimele kusukela ekwakhiweni kwamalogo kuya ezintweni zokumaketha ezigcwele. Bheka amasayithi afana Kuyaqhubeka, Fiverr futhi ngezokuvakasha ukuze uxhumane namakhasimende adinga iso lakho ukuze uthole ubuhle.
  • Izithombe. Guqula umsebenzi wakho wokuthwebula izithombe ube ibhizinisi elinenzuzo ngokuhlanganisa imicimbi, ukwenza izithombe, noma ngokuthengisa izithombe zakho ezinhle kakhulu ku-inthanethi. Kuyindlela enhle yokuguqula uthando lwakho lube isheke futhi wakhe iphothifoliyo yochwepheshe.
  • Ukubhala nokubhuloga. Uma amagama eyisikhali sakho osithandayo, zama ukubhala izindatshana noma ukuphatha ibhulogi. Lokhu kungaba isiphithiphithi esinenzuzo enezinkundla ezikhokhela okuqukethwe okuyikhwalithi, futhi amabhulogi angangenisa imali ngezikhangiso noxhaso.
  • Umsizi Virtual. Lo msebenzi uguquguquka kakhulu, ukuvumela ukuthi uphathe izingcingo, amashejuli, nama-imeyili noma yikuphi, okuwenza ube yinketho ephambili kubafundi abamatasa.
  • Imiyalelo yokufaneleka. Abashisekeli bokufaneleka bangenza amakilasi okufundisa ngemali noma banikeze ukuqeqeshwa komuntu siqu. Kuyindlela enhle yokuzigcina uphilile, usize abanye benze okufanayo, futhi ukhiphe imali ethile ngenkathi ukuyo.
  • Ukuthuthukiswa kohlelo lokusebenza. Uma ukubhala ngekhodi kuwucingo lwakho, ukuthuthukiswa kohlelo lokusebenza kungaba yigolide lakho. Noma ngabe usebenza ngokuzimele noma wethula uhlelo lwakho lokusebenza, umhlaba wezobuchwepheshe ulambele izinto ezintsha futhi uzimisele ukuzikhokhela.
  • Umsebenzi we-Voiceover. Izame ezentengiso, ukugqwayiza, noma izinto zokufundisa. Kuyindlela yokuzijabulisa yokuthola imali futhi uthuthukise amakhono akho ezwi.

Ukuzibandakanya kulokhu kukhuluphalisa i-akhawunti yakho yasebhange futhi kukuhlomise ngolwazi olumangalisayo namakhono ahlala isikhathi eside ngemva kokuthweswa iziqu. Futhi, ziyindlela enhle yokwenza imali ngemibandela yakho, ukuhlanganisa umsebenzi nezifundo zakho kalula.

Ukwandisa izinsiza zemfundo

Ukusuka emkhakheni wokusebenzisa imali ngobuhlakani kanye nokwenza imali ngobuchule, ake sihlole ukuthi ukusebenzisa izinsiza zasenyuvesi ngokugcwele kungathuthukisa kanjani ngokuphawulekayo ulwazi lwakho lokufunda kuyilapho kunciphisa izindleko zakho zemfundo. Lezi zinsiza kanye nezinsiza akukona nje ukunciphisa izindleko; zibalulekile ekucebiseni uhambo lwakho lwezemfundo futhi zikulungiselele umsebenzi ophumelelayo.

Izinsizakalo zomtapo wolwazi ezibanzi

Khulisa ukusebenzisa kwakho umtapo wezincwadi wasenyuvesi, okunikeza okungaphezu nje kokubolekwa kwezincwadi. Finyelela kusizindalwazi esibizayo, amajenali ezemfundo, nama-e-books ngokuvamile abizayo. Ukusebenzisa lezi zinsiza kungakusindisa ekuthengeni izincwadi zokufunda futhi kukunikeze izinto ezibanzi zezifundo zakho nocwaningo.

Ukufinyelela kokubhaliselwe kwezemfundo

Iminyango eminingi yezemfundo inikeza ukufinyelela kwamahhala kuma-software abalulekile nezinkundla zemfundo ezifana ne-MATLAB, i-Adobe Suite, namathuluzi okucwaninga akhethekile. Lokhu kuvame ukufakwa esifundweni sakho futhi kubalulekile ekusebenzeni kwezifundo nasekuthuthukisweni kwamakhono, konga amanani amakhulu wemali ekuthengeni isoftware.

Isofthiwe yokuthopha kanye nokwesekwa kobuchwepheshe

Zuza ohlwini lwesofthiwe yamahhala etholakala ngesikhungo sakho, kusukela kumagumbi okukhiqiza kuya kumathuluzi okuhlaziya athuthukile. Sebenzisa ukwesekwa kwe-IT ekhampasini ukuxazulula izinkinga zobuchwepheshe ngaphandle kwesidingo sezinsizakalo ezibizayo zangaphandle, ukuqinisekisa inqubekelaphambili yezemfundo eshelelayo neyongayo.

Amasevisi okusekela ezemfundo

Sebenzisa izinsiza zamahhala zokufundisa kanye nokwesekwa kwezemfundo ukuze uthuthukise ukusebenza kwakho kwezemfundo. Izikhungo ezifana nezikhungo zokubhala namalebhu ezibalo azinikezi nje kuphela usizo oluyigugu kodwa futhi nezindaba zempumelelo yangempela, njengomfundi othuthukise amamaki akhe okubala ukusuka ku-C kuya ku-A ngezikhathi ezivamile elebhu yezibalo. Lezi zinsizakalo zingathuthukisa kakhulu ukuqonda kwakho izifundo eziyinkimbinkimbi futhi zandise amamaki akho.

Ukuzibandakanya kuma-workshops namasemina

Landela njalo ama-workshops namasemina. Le micimbi ithuthukisa ukufunda futhi ikuvumela ukuthi uxhumane nochwepheshe nontanga ngaphandle kwemali eyengeziwe, wandise ama-horizons akho ezemfundo ngale kwekilasi.

Ukuqina nempilo

Esikhundleni sokuchitha imali ebulungwini bejimu, sebenzisa izinsiza zokuzivocavoca ezinikezwe ikhampasi yakho. Amanyuvesi amaningi ahlinzeka ngezindawo zokuzivocavoca ezihlome kahle, amachibi okubhukuda, nezinkantolo zezemidlalo, okungaba indlela enhle yokuhlala unempilo futhi usebenza ngaphandle kwezindleko ezengeziwe.

Amasevisi okulungiselela umsebenzi

Sebenzisa ngokugcwele izinsiza zenyuvesi yakho. Lezi zikhungo ngokuvamile zihlinzeka ngokubuyekezwa kokuqhubeka, izingxoxo zokuzilolonga, namathuba okuxhumana, abalulekile njengoba ulungiselela ukungena emakethe yemisebenzi. Bangase futhi banikeze imihlangano yokucobelelana ngolwazi mayelana nezezimali kanye nokuhlela umsebenzi, okukusiza ukuthi ubeke inkundla yokuzimela ngokwezimali ngemva kokuphothula iziqu.

Ukusebenzisa lezi zinsiza zemfundo ngempumelelo kukusiza ukuthi wonge amanani abalulekile emali futhi kukuhlomise ngamathuluzi adingekayo ukuze uphumelele ezifundweni. Njengoba uba nekhono ekusebenziseni la mathuba, kuyasiza futhi ukuhlola ukuthi ubudlelwano bakho namanethiwekhi angadlala kanjani indima ebalulekile ekuqhubekeni nokunciphisa izindleko zakho zemfundo.

abafundi-abasebenzisa-ubuchwepheshe-usekelo-ukonga-imali

Inethiwekhi ukunciphisa izindleko

Inethiwekhi ayikona nje ukudalula amathuba emisebenzi-Futhi kuyisu elihlakaniphile lokwelula isabelomali sakho phakathi neminyaka yakho yokufunda. Ngokuhlangana nontanga, ungathola izindlela ezihlakaniphile zokwenza imali yakho iye phambili. Nawa amanye amathiphu asebenzayo okuxhumana nomphakathi wakho angeke akusize wonge imali kuphela kodwa futhi anothisa impilo yakho yomfundi:

  • Ukuhwebelana kwezincwadi zokufunda. Kungani uthenga okusha lapho ungashintsha? Hlela noma ujoyine imicimbi yokushintshisana ngezincwadi ekuqaleni noma ekupheleni kwesemester ngayinye. Kuyaphumelela: uzokonga imali futhi usekele imikhuba eco-friendly phakathi kontanga yakho.
  • Ukuhamba ngezimoto. Nciphisa izindleko zakho zokuhamba ngokwabelana ngokugibela ukuya ekhempasi noma ukubuyela ekhaya. Izinhlelo zokusebenza namaqembu enkundla yezokuxhumana akwenza kube lula ukuxhumana nabanye abafundi ababheke ngendlela efanayo.
  • Izindlu ezihlanganyelwe. Vula izingxoxo mayelana namalungiselelo ohlala naye. Ukwabelana ngendawo kunganciphisa kakhulu izindleko zakho zokuphila—imali eyengeziwe yobusuku be-pizza!
  • Ukushintshanisa ikhono. Amakhono okuhweba esikhundleni sokusebenzisa imali. Umuhle ekwakhiweni kwesithombe? Nikeza ukudizayina iflaya ukuze uthole usizo esifundweni esinzima. Konke kumayelana nokusizana ngaphandle kokuvula isikhwama sakho semali.
  • Izingadi zomphakathi kanye namaqembu okulungiselela ukudla. Joyina ingadi yomphakathi noma uqale iqembu lokulungiselela ukudla. Ngeke nje wehlise izindleko zokudla, kodwa uzophinde udle ukudla okunempilo futhi mhlawumbe wenze nabangane abambalwa kule nqubo.

Ukudala ukuxhumana okuchumayo ekwabelaneni nasekubambisaneni akugcini nje kongi imali—kuphinde kukhuthaze isimo somphakathi esisekelayo esicebisa ulwazi lwakho lwasekolishi futhi sikufundise amakhono okubambisana abalulekile ahlala isikhathi eside ngemva kokuthweswa iziqu.

Ukwakha isikweletu njengomfundi

Kubafundi abaningi, ikolishi alikona nje ukushaya izincwadi; futhi yisikhathi esibalulekile sokubeka phansi izimpande zakho zezimali. Ukusungula amaphuzu esikweletu aqinile manje kungavula iminyango yokuhamba kwemali enkulu esikhathini esizayo, njengokuthatha imali ebolekiwe enenzalo ephansi kanye nokuthola imigomo emnandi yezindlu. Nali icebo lakho legeyimu lokwakha nokuphatha isikweletu sakho ngokuzibophezela:

  • Qala ngekhadi lesikweletu lesitshudeni. Amabhange amaningi akhipha umata obomvu wabafundi abangenawo umlando wesikweletu omncane noma ongenawo ngamakhadi esikweletu aklanywe ngokukhethekile. Lawa magugu afika nemikhawulo ephansi futhi anezinkokhiso ezilula, okuwenza alungele ukungena kwakho kwesikweletu sokuqala. Zisebenzisele izinto ezincane futhi ukhokhe ibhalansi njalo ngenyanga ukuze ugweme lezo zindleko.
  • Izinkokhelo zezikweletu ngesikhathi. Ukukhokha njalo izikweletu zakho ngesikhathi kubalulekile ukuze ugcine amaphuzu amahle esikweletu. Lokhu kuhlanganisa zonke izibopho zakho zezezimali, hhayi nje izinkokhelo zekhadi lesikweletu—njengerenti, izinsiza, nokubhaliselwe.
  • Hlola imalimboleko yabakhi bezikweletu. Hlola imali ebolekiwe yabakhi bezikweletu kwamanye amabhange anolwazi. Bakhiya imali ebolekiwe ngenkathi uyikhokha ngokuhamba kwesikhathi. Uma konke sekukhokhelwe, imali ingeyakho, futhi usunomlando oqinile wezinkokhelo ezifika ngesikhathi.
  • Sebenzisa i-co-signer uma kudingeka. Uma ukufaneleka ukuthola isikweletu kuyinselele, cabanga ukusebenzisa osayine naye onomlando wesikweletu oqinile. Ukuma kwabo ngesikweletu kungakusiza ukuthi uthole ukugunyazwa kwemikhiqizo yekhredithi, kodwa qaphela njengoba indlela oziphatha ngayo ngokwezimali izoba nomthelela namaphuzu abo esikweletu.
  • Sekela amazinga aphansi ezikweletu. Hlela ukugcina amabhalansi ekhadi lakho lesikweletu ngaphansi kwemikhawulo yakho. Ukukhipha amakhadi akho kakhulu kungalimaza isikolo sakho, ngisho noma uwakhokhela ngesikhathi.
  • Gada isikweletu sakho njalo. Njalo hlola imibiko yakho yezikweletu ukuze uthole noma yikuphi ukushibilika noma izinto ezinomthunzi. Ungathola umbiko wamahhala ejensi ngayinye enkulukazi enkulu yokubika ngezikweletu kanye ngonyaka ku-AnnualCreditReport.com.
  • Isixhumanisi sokuzimela ngokwezimali. Ukuphathwa kahle kwezikweletu kuyisango lokuzimela ngokwezimali, okuhlinzeka ngezimo ezingcono zokubolekwa komuntu siqu, izinketho zezindlu, ngisho nokuxhaswa ngezimali kwebhizinisi. Umphumela oqinile wesikweletu ungavikela izilinganiso zenzalo eziphansi kanye nemibandela yemalimboleko evumayo, kube lula ukuphathwa kwezimali nokuncipha kwengcindezi ezinsizeni zakho.
  • Amathiphu kubafundi bamazwe ngamazwe. Uma ungumfundi wamazwe ngamazwe ongajwayelene nesistimu yekhredithi yendawo, kubalulekile ukuqonda imigomo eyisisekelo yokuphathwa kwekhredithi ezweni lakho elisingathayo. Qala ngezinketho zezikweletu ezivikelekile futhi ufune iseluleko ehhovisi losizo lwezezimali lesikhungo sakho noma izinsiza zabafundi.
  • Qonda ubungozi bokungaphathi kahle izikweletu. Kungaholela ekuqongeleleni izikweletu, emazingeni enzalo aphezulu, kanye nomthelela omubi kumphumela wakho wesikweletu. Lokhu kungase kube nzima ukuqasha amafulethi, ukuthola imali ebolekiwe, futhi kuthinte ngisho namathuba emisebenzi emikhakheni lapho ukuhlolwa kwezikweletu kuwusiko.
  • Izinsiza ukuze uthole ulwazi olwengeziwe. Ngena ujule ekuphathweni kwekhredithi ngokusebenzisa izinkundla ezifana ne Isisekelo Sikazwelonke Sokwelulekwa Ngezikweletu noma izinsiza zokufunda zebhange lakho.

Ngokunamathela kulawa maqhinga, awugcini nje ukwakha umlando omangalisayo wezikweletu—uvula indlela yekusasa elihle ngokwezimali. Ukusebenzisa isikweletu ngobuhlakani kuyikhono elinamandla elisekela imali yakho namuhla kanye nenkululeko yakho yezezimali kusasa.

Ukuvula imali yamahhala yasekolishi

Ngemva kokwakha isisekelo esiqinile sokwenza isabelomali, ukuphatha isikweletu, nokusebenzisa izinsiza zasenyuvesi, kuwukuhlakanipha ukuhlola izibonelelo nobudlelwane—izinhlobo zosizo lwezezimali okungadingeki ukuthi uzibuyisele. Lokhu kungadambisa kakhulu ukucindezeleka kwakho kwezezimali ngokumboza izindleko ngaphandle kwesidingo sokubuyisela, ngokungafani nemali mboleko yabafundi. Bheka lo mhlahlandlela ukuze ufinyelele lezi zinsiza ezibalulekile:

  • Qonda umehluko. Imifundaze ivamise ukuklomelisa izimpumelelo ezifundweni noma zangaphandle kwesikole, izibonelelo zivame ukubhekana nezidingo zezimali, futhi ubudlelwano busekela izifundo ezithuthukile noma ucwaningo, ngokuvamile okuhlanganisa nemali ekhokhwayo yezindleko zokuphila. Ukubona lo mehluko kungakusiza ukuthi ukhombe kangcono izinhlelo zakho zokusebenza futhi uthuthukise amathuba akho okuphumelela.
  • Qala ngesikhungo sakho. Inyuvesi yakho iwumthombo ocebile wokusekelwa ngezimali. Amakolishi amaningi anikeza izibonelelo kanye nezinhlangano ezingakhangiswa kabanzi. Vakashela ihhovisi lakho losizo lwezezimali noma uthintane nabeluleki bomnyango ukuze uvule amathuba okungenzeka afihliwe.
  • Sebenzisa isizindalwazi esikhethekile. Amapulatifomu afana Izibonelelo.gov, lo Isikhungo Sesisekelo, Futhi FastWeb ukusiza ukuthola izibonelelo kanye nobudlelwano obufanele umkhakha wakho wokufunda, isizinda, noma izidingo ezithile. Lezi zinsiza zingakusiza unciphise usesho lwakho futhi ugxile emathubeni ahlobene kakhulu.
  • Lungiselela kusenesikhathi. Umncintiswano wale miklomelo ungaba nzima, ngakho qala ukulungiselela izicelo zakho kusenesikhathi. Qoqa wonke amadokhumenti adingekayo njengemibhalo ebhaliwe, izincwadi zokuncoma, nanoma yiziphi izindatshana ezidingekayo esikhathini eside ngaphambi kweminqamulajuqu.
  • Hlela izinhlelo zakho zokusebenza. Yenza kube ngokwakho isicelo ngasinye ukuze ubonise ngokucacile ukuthi uhlangabezana kanjani nemigomo yomxhasi. Ukuze uthole imifundaze, gqamisa impumelelo yakho ezifundweni noma imisebenzi yangaphandle kwesikole. Ukuze uthole izibonelelo, gxila ekuboniseni isidingo sakho sezezimali, kanye nobudlelwane, chaza izinhlelo zakho zocwaningo noma ukuthi ucwaningo luzowuthuthukisa kanjani umsebenzi wakho wezemfundo. Ukucacisa nokuqondile ezinhlelweni zakho zokusebenza kungakhuphula kakhulu amathuba akho okuphumelela.
  • Landela imiyalelo eya encwadini. Namathela ngqo emithethweni yohlelo lokusebenza. Ukushoda kwedokhumenti noma ukuvala umnqamulajuqu kungakukhipha ekuqhubeni, kungakhathaliseki ukuthi umuhle kangakanani.
  • Funa impendulo. Ngaphambi kokuhambisa, yiba nomeluleki onolwazi, umeluleki, noma untanga abuyekeze isicelo sakho. Ukuqonda kwabo kungasiza ekuthuthukiseni indlela yakho futhi kwandise amathuba akho okuthola isibonelelo noma ubudlelwano.
  • Khetha ngobuhlakani, sebenzisa ngobuhlakani. Faka isicelo sezibonelelo eziningi kanye nenhlanganyelo ukuze wandise amathuba akho, kodwa gxila kulezo ezifanelana kangcono nephrofayela yakho. Indlela egxilile ngokuvamile iphumelela kakhulu kunendlela ebanzi.

Ukuthola kahle ekufakeni isicelo semifundaze, izibonelelo, kanye nobudlelwano kuphakamisa amathuba akho okuthola imali yamahhala yasekolishi futhi kukusiza ukuthi wehlise imali ebolekiwe yabafundi. Ukuhlakanipha kulezi zinhlelo zokusebenza kuholela empilweni yasekolishi enengcindezi encane ngokwezezimali, kukuvumela ukuthi ugxile kakhulu ezifundweni zakho. Ngokuhamba kwesikhathi, le ndlela yonga imali eningi futhi ikwenza ube lula qala ngemva kokuthweswa iziqu.

i-eco-friendly-imikhuba-yokonga-imali-futhi-nokuqaphela-imvelo

Ukulungiselela ukuzimela ngokwezimali ngemuva kokuphothula iziqu

Njengoba izinsuku zakho zesikole sezizophela, ukusuka endaweni ehlelekile yezezimali yenyuvesi uye ekuphatheni izimali zomhlaba wangempela kuhilela izinguquko ezinkulu. Nawu umhlahlandlela wakho wokuzulazula kalula kulolu shintsho olubalulekile:

  • Qonda imalimboleko yakho yabafundi. Qala ngokuthola ukuqonda okuqinile kwemali mboleko yakho yabafundi. Yazi imigomo yakho yokukhokha, amanani afunekayo anyanga zonke, nokuthi isikhathi sakho somusa siphela nini. Ukuhlanganisa imali ebolekiwe eminingi kungase kwenze izinkokhelo zakho zibe lula futhi kuze kwehlise nezinga lakho lenzalo.
  • Ukwenza ibhajethi yempilo yakho entsha. Lungiselela ibhajethi ekhombisa imali oyilindelekile kanye nezindleko zokuphila kwangempela njengerenti, izinsiza, igrosa, kanye nomshwalense. Ibhajethi engokoqobo ikusiza ukuthi ugweme izimanga zezezimali futhi iqinisekise ukuzinza.
  • Isikhwama sezimo eziphuthumayo sibalulekile. Dala isikhwama sezimo eziphuthumayo esinokheshi owanele ukuze ukhokhele izindleko zezinyanga ezintathu kuya kweziyisithupha. Kubalulekile ukuze ube nokuthula kwengqondo njengoba ubhekana nezithiyo zangaphambi kwesikhathi kanye nezindleko ezingalindelekile.
  • Cabanga ngekusasa—umhlalaphansi nezintela. Nakuba ukuthatha umhlalaphansi kungase kubonakale sengathi kusekude, ukuqala ukonga kusenesikhathi kungakhokha ngempela. Uma umsebenzi wakho unikeza uhlelo lwama-401 (k), qiniseka ukuthi unikela ngokwanele ukuze uthole noma yiliphi inani elifanayo kumqashi wakho. Ungase futhi ucabange ngokuqala i-IRA (I-akhawunti Yomhlalaphansi Yomuntu ngamunye), engakusiza ukuthi wongele umhlalaphansi ngezinzuzo ezithile zentela. Kungakhathaliseki ukuthi ukhetha i-IRA Yendabuko noma i-Roth IRA, ngayinye inezinzuzo ezihlukile zentela. I-IRA Yendabuko inganciphisa izintela zakho manje ngoba ungakwazi ukudonsa iminikelo yakho ekubuyiselweni kwakho kwentela, kuyilapho i-Roth IRA ikuvumela ukuba uthole imali engenayo intela lapho uthatha umhlalaphansi.
  • Gcina isikolo esinempilo. Qhubeka nokwakha amaphuzu akho esikweletu ngezinkokhelo ezifika ngesikhathi emalimboleko yakho namakhadi esikweletu. Umphumela oqinile wesikweletu usiza ekwenzeni ukuthenga okubalulekile njengezindlu noma izimoto futhi uvikele imigomo engcono yemalimboleko.
  • Ungalokothi uyeke ukufunda. Imfundo yezezimali ayigcini ngokuthweswa iziqu. Qhubeka ufunda ngama-workshops, izindaba zezezimali, nokufunda okuqhubekayo. Ulwazi lwezezimali luthuthuka ngokushintsha kwempilo yakho futhi kukugcina ulungele izinqumo zezimali zesikhathi esizayo.

Ngokubhekana nalezi zindawo ngokuqhubekayo, awuzilungiseleli nje impilo yakho yonke ngemva kwekolishi—uqinisekisa isiqalo esihle ngokwezezimali nesiyimpumelelo empilweni yakho yangemva kokuthweswa iziqu.

Isiphetho

Umsebenzi omuhle kakhulu wokufunda lo mhlahlandlela! Sesidlule ezintweni eziningi, kusukela ekwenzeni isabelomali ngobuhlakani nokusebenzisa ubuchwepheshe ukonga imali, ukuya ekusebenziseni ngendlela ehlakaniphile nokuphila ngendlela eqhubekayo ngenkathi usenyuvesi. Njengoba ulungiselela ukusuka empilweni yomfundi uye emhlabeni osebenzayo, hlala ubhekisisa imali ebolekiwe yabafundi, setha isabelomali esisebenza emhlabeni wangempela, bese uqala ukucabanga ngekusasa lakho ngokuthatha umhlalaphansi okuhlakaniphile nokuhlela intela. Khumbula, uhambo lwakho lwezezimali luyaqhubeka—phinda uvakashele lawa macebiso njengoba ukhula futhi ubhekana nezinselele ezintsha zezimali. Qhubeka nokusebenzisa lokho okufundile ukuze ugcine ezezimali zakho ziphilile. Konke umnyakazo owenzayo kuyisinyathelo esiya enkululekweni yezezimali kanye nokufeza amaphupho akho. Nakhu ukuthi ulawule imali yakho futhi wakhe ikusasa eliqhakazile!

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