Lapho uqala ukuthola ukuthi unamawele , imicabango eminingi nemibuzo yakho yawela ingqondo yakho. Kwenzeka kanjani lokhu? Sizobalula kanjani? Ingabe bazozalwa ngokushesha? Futhi ngesinye isikhathi, kungenzeka ukuthi ukukhathazeka kwakho kuphenduke imali. Ingabe kufanele sithenge izinto ezimbili ? Ingabe sidinga imoto enkulu? Indlu enkulu? Kuyini lokhu okuzobiza?
Kuyinto evamile ukukhathazeka kwemindeni kulezi zikhathi. Njengoba izingcindezi zezomnotho zikhuphuka, kunengqondo ukucabangela umthelela wezimali wokuba nezingane ezimbili (noma ngaphezulu) ngesikhathi esifanayo. Uma umndeni wakho ukhula ngumntwana oyedwa, kunezindleko. Uma iphindaphinda nge-multiples, izindleko zikhula ngokuzenzekelayo.
Kubiza malini ukuphakamisa amawele?
Ukulinganiswa koMnyango Wezolimo wase-United States kubonisa ukuthi izindleko zokukhulisa ingane ezelwe ngo-2012 (usuku lwakamuva ukuthi izibalo zitholakala) kuze kube yiminyaka eyi-17 yingu-241,080. Lelo nani alibandakanyi izindleko zemfundo yasekolishi. Leso sibalo singumndeni ojwayelekile; lo mbiko ubonisa ububanzi obuvela ku-$ 173,490 emindenini engenayo engenayo kuya ku-$ 399,780 emindeni ephakeme engenayo. Ungalinganisa izindleko zomndeni wakho ngokusebenzisa izindleko zokukhulisa umntwana wokubala.
Kodwa-ke, abazali abacebile ngokwezezimali bahlakaniphile ukuqhubeka nokucabangela izindleko zemfundo yasekolishi ekupheleni kwaleyo minyaka eyishumi nesikhombisa.
Njengoba bobabili abantwana beya ekolishi ngesikhathi esifanayo - esikhundleni sokuhlukaniswa kweminyaka embalwa - leyozindleko zingabonakala. Ngokusho kwe-website COLLEGEdata, Izindleko ezijwayelekile zekolishi ngo-2012-2013 zazingaba ngu-$ 22,000 esikoleni somphakathi kanye no-$ 43,000 esikoleni esizimele. Yilokho ngonyaka.
Umfundi ngamunye. Abazali bamawele bazodinga ukuhlaziya imali engaphezulu kwekota yesigidi sezigidi ukuze banikeze izingane zabo imfundo yasekolishi.
Ingabe kubiza kakhulu ukuba namawele?
Akungabazeki ukuthi ukuba namawele kuyabiza kakhulu kunokuba nengane eyodwa. Kodwa-ke, kunezinye izindlela ukuthi amawele angabiza kakhulu kunokuba nezingane ezimbili zeminyaka ehlukene. Isibonelo, izinkinga zezokwelapha ezihlobene nokuzalwa okuningi zingandisa izindleko ezihlobene nokukhulelwa okubili noma ukunakekelwa kwezokwelapha ngezimpande. Futhi, ngokuphindaphindiwe, imindeni ilahlekelwa ikhono lokusabalalisa izindleko ngokuvuselela izingubo, amathoyizi kanye nemishini yezingane. Abakwazi ukusebenzisa izandla-me-downs, ezingakhuphula isabelomali sabo sokugqoka nezimpahla zezingane. Izindleko eziningi zisesikhathi sinye, esikhundleni sokusabalalisa ngokuhamba kwesikhathi, njengezindleko zokunakekelwa kwelanga, izindiza, umshwalense wemoto kubashayeli abasha, noma imisebenzi yangaphandle.
Kodwa-ke, ekuqedeni izinombolo ezihlanganisiwe ekulinganiseni kwe-USDA, kunezindleko ezithile ezingakhuliswa ngempela ngamawele. Izindlu zimelela kakhulu imali enkulu yezindleko ezilinganisweni ze-agency. I-USDA iphetha ngokuthi izindlu zimelela amaphesenti angu-30 ezindleko eziphelele zokukhulisa umntwana ngokusakazeka ngaphezu kweminyaka eyishumi nesikhombisa.
Emindenini eminingi, izindleko zezindlu zizohlala zifana nanyana zinezingane ezilodwa noma amawele. Ukuqashiswa kwakho noma ukukhokhelwa kwempahla yakho ngeke kuguquke ngoba usuphindaphindiwe, ngaphandle kokuthi, kufanele uhambe ekhaya elikhudlwana ngoba unezingane ezimbili ngesikhathi esifanayo. Njengoba umbiko uchaza, "Izindleko zomntwana ziyancipha njengoba umndeni unezingane eziningi. Imindeni enezingane ezintathu noma ngaphezulu isebenzisa ingane engaphansi kwezingamaphesenti angu-22 kunomndeni onabantwana ababili. "Nokho, lokho kwakungeke kuqiniseke ngokugcwele ngokuphindaphindiwe, njengoba umbiko ubonisa ukuthi ukonga ngokusekelwe ngokwabelana nokwehla kwamandla.
"Njengoba imindeni inezingane eziningi, izingane zingabelana ngamakamelo okulala, izingubo kanye namathoyizi zinganikezwa izingane ezincane ..." Kodwa, ngezinye izindlela, ukwehlisa izindleko kuzobonakala, ezimweni lapho "kungathengwa khona ukudla ezinkolweni ezinkulu nangokwengeziwe ngokwezimali, nezikole ezizimele noma izikhungo zokunakekela izingane zinganikeza izaphulelo zakini. "
Ngingaphetha ngokuthi ukuba namawele kungabiza kakhulu kunokuba nezingane ezimbili zeminyaka ehlukene, ngenxa yokungakwazi ukuphinda ngibuyele phansi. Uma kufanele uthenge izinto ezimbili, okungukuthi, izindleko zenziwa ngenxa yokuthi zombili izingane zinezidingo ngesikhathi esisodwa, kungakhathaliseki ukuthi ama-diapers, amabhayisikili amasha, izifundo ze-tennis, noma i-ring ring ... abe namawele angabiza. Kodwa-ke, ngikholelwa ukuthi imindeni eminingi enezinwele noma iphindaphinda ihlaziye lezo zindleko ngokuba ngabathengisi be-savvy, eziboleka izinto esikhundleni sokuzithenga nokuthola ama-club ama-twins yokuthengisa amadili amahle ezintweni ezisetshenzisiwe. Noma kunjalo, ungadukiswa ekucabangeni ukuthi izaphulelo ze-multiples zizonqoba ukuphelelwa kwesabelomali. Ngesinye isikhathi, abathengisi nabakhiqizi kungenzeka babe nomusa ekunikezeni izaphulelo ngamawele, kathathu noma ngaphezulu. Lezi zinsuku, zikhona izaphulelo ezimbalwa kanye namadili ahlinzeka ngekhefu kubazali abaningi.