Izinombolo zihlale ziphazamisa. Njalo ngoJanuwari uMnyango wezokuLimo wase-US ukhulula ukuhlaziywa kwawo ngalokho okubiza ukukhulisa ingane. Ngo-2017, inani lalingu-$ 233,610 (ngaphambi kokwehla kwamandla emali) emndenini onomzali omabili, onomphakathi ophakathi kokukhulisa ingane eneminyaka engu-17.
Futhi bonke abazali bakaJanuwari bazwa lezi zinombolo ezindabeni bese bethinta amakhanda abo. Akungabazeki ukuthi kuwufanele kodwa ...
Hewu! Umbuzo, ke, uba: kufanele kube ngale ndlela? Ungakwazi yini ukushaya lo mkhuba ngenkathi ukhulisa ingane yakho ngendlela ozwa ngayo kangcono? Impendulo inguyebo ecacile.
Ukunciphisa izindleko zokukhulelwa kwengane kuthatha inhlanganisela yokuhlela isikhathi eside nokuqondiswa kwansuku zonke. I-USDA isekelwa lokhu kulinganiselwa ku-Survey of Expenditure Survey ye-Bureau of Labor Statistic, eveza isithombe somthengi waseMelika ovamile. Ngakho-ke kungcono kuwe ukuhlukanisa kusukela ngokwesilinganiso, ukuqala ngamanani amathathu aphezulu ama-USDA amagama, wehla oda: izindlu (amaphesenti angu-29 ezindleko), ukudla (amaphesenti angu-18) nokunakekelwa kwengane / imfundo ka-K-12 (16 amaphesenti).
Izindlu Nezemfundo
Laba bobabili bahlanganiswe ngoba i-adage endala mayelana nendawo yokuhlala - indawo, indawo, indawo - iyasebenza kokubili. Abathengi bavame ukukhokhisa imali yokuqasha amakhaya noma ukuqasha ezifundeni ezinezikole eziphakeme kakhulu. Uma unethambekele emakhaya esikoleni noma uthumele ingane yakho esikoleni esizimele noma kunjalo, akunakwenzeka ukukhokha le premium.
Uma usendaweni yokuthenga, kufanelekile ukuqhuba izinombolo zalokho izindleko zesikole ezizimele ezihambisana nezindleko ezengeziwe zokuthenga ezingeni eliphakeme eliphezulu lentengo ephakeme futhi elingenakwenzeka - isifunda sesikole. Uma unezingane ezingaphezu kweyodwa, isikole somphakathi cishe sizophuma eshibhile, kodwa imindeni engabodwa ingase isindise ngempela.
Kanti futhi akunangqondo ukukhokha le premium ngaphambi kokuba ingane yakho yokuqala ihlase iminyaka yobudala. Isifiso sokuthuthela endlini enkulu futhi uhlale isikhathi eside lapho uzalwa khona sinamandla uma ingane yakho yokuqala izalwa. Uma usalinde isikhathi eside, nakakhulu uzothola izindleko zakho zokukhulisa ingane.
Indawo akuyona nje izifunda zesikole ngasinye. Empeleni kungamaphesenti angu-27 eshibhile ukukhulisa ingane endaweni yasemaphandleni kunezindawo zasemadolobheni aseNyakatho-mpumalanga, ikakhulukazi ngenxa yezindleko eziphansi zezindlu nokunakekela izingane . Yiqiniso, ukuthuthela izindleko eziphansi endaweni yokuhlala kunamanani amaningi kunama-dollar namasenti. Kodwa-ke, uma kunezinye izinzuzo, njengokuthi usondelene nomndeni noma ithuba lokuphila okuhlukile, abazali benza isinqumo sokuhamba. Lapho abazali basebenza ekhaya, ukungabi khona kwesimo sokusebenza emsebenzini kwenza lokhu kube inketho engcono kakhulu.
Ukunakekela izingane
Ukunakekelwa kwengane kungaba yindleko enkulu kubazali abasha, kodwa ngokubonga kuyancipha njengoba izingane zikhula futhi mhlawumbe zihamba ngokuphelele uma zifika esikoleni. Kodwa kulezo zinsuku zokuqala ukunciphisa izindleko zokunakekela izingane kusho ukunciphisa izindleko zakho ezihlobene nezingane. Yonke imindeni ihlukile, kodwa nansi ezinye zezindlela zokunciphisa izindleko zokunakekela izingane:
Yiba umzali wokuhlala ekhaya. Uma umsebenzi womzali oyedwa ungakhokhwa kahle, kungase kube ukuhlakanipha ukuyeka nokuqeda izindleko zokunakekela izingane, ikakhulukazi emva kokuzalwa kwengane yesibili. Yiqiniso, ukwenza lokhu kungase kudingeke uthathe izinyathelo zokunciphisa izindleko ezifana nokuhamba noma ukunciphisa ukusetshenziswa kwakho konke. Futhi khumbula ukuthi ngeke ulondoloze imali ngokuhamba kwesikhathi uma ungabuyeli emsebenzini lapho ukunakekelwa kwengane kungasadingeki.
Yiba umzali womsebenzi wendlu. Abazali abasebenza ekhaya abasiqedi zonke izindleko zokunakekela izingane, kepha ngokuvamile banganciphisa. Ukusebenza isikhathi esithile kusuka ekhaya kuyindlela enhle abazali abazoqhubeka ngayo ukuvuselelwa, okwenza ukungenelela emsebenzini kube lula. Ukusebenza ekhaya kusindisa imali ngezinye izindlela ezifana nokuhamba nokugqoka.
Unogogo nomkhulu noma isihlobo ubukele ingane yakho. Le ndlela ingase ingabi ukunakekelwa kwezingane mahhala, kodwa ngokuvamile ishibhile kunokunakekelwa kwelanga. Kungaba nzima ukuthola ukunakekelwa kwengane yesikhathi esiyingcosana okwezomnotho, ngakho-ke lesi yisisombululo esihle uma unciphisa amahora akho ukuze usebenze isikhathi esithile.
Ukudla
Ngokungafani nokunakekelwa kwezingane, izindleko zokunakekela ingane yakho zanda kuphela lapho ingane yakho ikhula. Yingakho i-USDA ilinganisela ukuthi ibiza imali engaphezu kuka-$ 200 ngenyanga ukuze idle ingane eyodwa! Izindleko zokudla ziyizindleko eziyisibili eziphakeme kakhulu, ngakho lokhu kuyindawo yokulondoloza.
Indlela engcono kakhulu yokusindisa imali ekudleni ukupheka owakho . Ukudla okuphekwe ngaphambili, ukukhipha, nokudlela zonke izindleko kakhulu kunalokho okwenza ukupheka ukudla kwakho okusha. Kulula kunokuba kwenziwe ngoba into eyodwa abazali abangenayo, kaningi ngaphezu kwemali, yisikhathi. Kungaba nzima ukubuya ekhaya kusuka emsebenzini bese uqala ukupheka. Yilapho ukuzithiba kungena khona. Kodwa nansi amathiphu ambalwa okugcina ukupheka:
Zinike usuku (noma okungenani ingxenye engcono yentambama) ukupheka. Lokhu kungenziwa kanye ngenyanga, kanye ngesonto noma kwenye indawo phakathi, kodwa kubeke eceleni isikhathi sokupheka phambili. Uma wenza lokhu, uzoba nenketho yokudonsa i-efrijini elula efrijini ngosuku lwesonto elimatasa noma ubeke isinkwa sebhanana esikoleni sezingane zakho esikoleni esikhundleni sokudla okupakanyisiwe ngaphambilini.
Yenza kabili iresiphi yakho. Bese ubeka isigamu sawo efrijini ngelinye ilanga.
Hlela ukudla kwakho kusengaphambili. Yenza imenyu yamasonto onke, ucabange ngesidlo sefriji ubusuku owaziyo ukuthi uzoba matasa. Ukufika ekhaya kusuka emisebenzini futhi ungenazi ukuthi yini ongayipheka iyindlela elula yokuthatha.
Ikholeji
Ekulinganisweni kwe-USDA yokukhulisa izingane, izindleko zinciphisa ingane ngayinye eyengeziwe, ngalokho okubiza ngokuthi "ezishibhile ngemiphumela emibili." Ithi, "Emindenini emishado eshadile enezingane eyodwa, ichitha imali engaphezu kuka-27% ngaphezulu kwengane kunezindleko emndenini wamabhungu amabili. "
Kodwa-ke, ukulinganiswa kwezindleko ze-USDA kuyama-18, ngakho-ke izindleko ezinkulu - ekolishi - ayifakiwe. Futhi lapho, ngokuqinisekile, akusona eshibhile imiphumela eyishumi ekolishi.
Ukuze unciphise lezindleko ezinkulu ekukhuliseni ingane, kufanele uqale ekuqaleni, ukuze usakaze i-hit emholweni wakho futhi usebenzise inzuzo ephawulekayo eyaziwa ngokuthi inzalo ehlanganisiwe. Okufanelekile, kufanele uqale ukugcina lapho ingane yakho izalwa. Kodwa njengoba sesifake ekuqaleni, kuyabiza ukukhulisa ingane ngakho lokhu kungaba nzima. Noma ngabe ukuphi uhambo lwakho lokukhulisa izingane, akuphuzi kakhulu ukuqala!
Ngakho kufanele ugcine okungakanani? Cabanga ngombuso owodwa wesithathu othi abazali kufanele basindise ingxenye eyodwa kwezintathu zezindleko, balindele imali engenayo, izifundiswa kanye nokusiza ngezezimali ukuze bagcine ingxenye eyodwa yesithathu kanye nokubolekisa imali yesithathu.
Ukulondoloza kwenza ulungiselele ekolishi futhi kunciphisa ukushaya okukhulu kwezezimali lapho izingane zibhalisa. Nokho, empeleni ukunciphisa imali oyisebenzisayo:
Khuthaza ingane yakho ukuthi ithole umsebenzi bese igcina ekolishi.
Yazi inqubo yosizo lwezezimali. Khuluma nabeluleki bomqondisi futhi wenze ucwaningo lwakho mayelana nokufundiswa kanye nokusiza ngezezimali.
Hlola ngokucophelela izindleko zezikole zomphakathi ezizimele. Izikole zomphakathi ngokuvamile zithengeka kakhulu, kodwa umfundi ongcono angathola izikolo zokuzifunda ezizimele ezikwenza kube ukuncintisana noma mhlawumbe ezishibhile kunomphakathi. Kodwa qaphela ukubolekwa kwemali mboleko ngokweqile ezikoleni ezizimele.
Cabanga ngeminyaka emibili ekolishi yomphakathi ilandelwe ukudluliselwa esikoleni seminyaka emine.
Izindlela Ezengeziwe Zokulondoloza
Ngokuvamile, ukuba nezingane kubangele abantu ukuba babe nethonya. Akuyona nje izinto eziphambili zetikithi ezibalwe ngenhla, kodwa yizinto ezincane ezongezelayo njengomndeni ezikhulayo, isib. Ukuvakasha, amaholide, izingubo , imisebenzi yangaphandle , njll. Ukuthatha isikhathi sokucabanga ngezindlela zokunciphisa lokhu njengokulondoloza ukubuyela esikoleni ukuthenga noma ukuthenga iholide yingxenye ebalulekile ye-equation.