Akumangazi ukuthi izingane ziyabiza, kodwa abazali abaningi abakulungiseleli ukuthi inani elikhulu le dollar liba kanjani eminyakeni yonke. Unyaka wokuqala wokuphila kwengane ubiza cishe izikhathi ezine lokho abazali abaningi abakulindele, futhi ngokusho kombiko we-2014 ovela eMnyangweni wezoLimo wase-United States, imindeni ephakathi engenayo izochitha cishe ingxenye yesigidi yezigidigidi ikhulisa ingane kusukela ekuzalweni kuya eminyakeni eyi-18 .
Esinye sezizindleko ezinkulu abazali abakhuthazelayo ukunakekelwa kwengane, ikakhulukazi lapho izingane zisencane. Izindleko zokunakekelwa ngonyaka zonyaka zokunakekelwa kwezingane zivela ku $ 10,468 ohlelweni lokunakekelwa kwengane lokunakekelwa kwezingane ukuya ku-$ 28,905 ngenani lemali, ngokusho kwe-Care.com ka-2017 Izindleko Zokunakekelwa Kwezokunakekela. Kuye lapho uhlala khona, izindleko zokunakekela izingane njalo ngenyanga zingaba okuningi noma ngaphezulu kunkokhelo yokubolekwa kwempahla.
Ingabe izindleko zifanele ? Ucwaningo luye lwabonisa ukuthi ukunakekelwa kwezingane ezinempilo akuyona nje kuphela ebalulekile empilweni nokuphepha kwengane encane, kodwa futhi kungasiza amakhono abo okuthuthukisa futhi kubonakale ekuhlangenwe nakho okusha. Abazali abasha kufanele bathathe isikhathi sokuqonda nokuhlela kokubili izindleko zokunakekela izingane ezilindelekile nezingalindelekile. Ukuhlela kusengaphambili kungasiza kakhulu ekusizeni umndeni wakho ugweme ukwethuka futhi uzizwe uqiniseka ngokwengeziwe ngezinqumo zakho zokunakekela izingane. Ngezansi kukhona amathiphu amahlanu kwabazali abasha.
Khuluma Ngezimali Zakho
Uma wena nomlingani wakho uhlela ukuba nezingane, kubalulekile ukuxoxa ngemali yakho ngaphambi kokuba ingane ifike.
Yiba nezingxoxo ezivulekile nezithembekile mayelana nokuthi isimo sakho sokunakekelwa kwengane yakho sibukeka kanjani futhi wenze ucwaningo ngezinketho zokunakekela izingane zendawo. Cabanga ngalokho okulungile emndenini wakho ngokwemisebenzi yakho, amahora okusebenza, amandla akho okuzuza, isimo sokuphila, izindleko, kanye namagugu ngokunakekela izingane. Ukuba nale ngxoxo kuzokusiza wenze izinqumo ezibalulekile futhi uqonde isabelomali esihambisana nalezo zinqumo.
Izinketho zokunakekela izingane
Kunezinketho eziningi zokunakekelwa kwengane futhi ububanzi bezindleko zingadala futhi zidideke. Izinketho zibandakanya izinsuku zomlando zendabuko, izinsuku zokuhlala ekhaya, ama-nannies, ama- nanny amasheya , abantwana abashadile, futhi ukuthi wena noma amalungu omndeni abukele ingane yakho. Umhlinzeki wezokunakekelwa kwezingane uzothinta izindleko zakho, ngakho-ke ukuqonda izinzuzo nezindleko zomuntu ngamunye kanye nezindleko ezihambisanayo kuzokusiza ukuba ubone ukuthi yini engcono kakhulu emndenini wakho.
Hlola izindleko nezinzuzo
Ezinye izinketho zokunakekela izingane zibiza kakhulu kunezinye, kodwa lezo zindlela zingase zibe nezinzuzo ezibaluleke kakhulu kuwe. Umntanakho uzodala imali emndenini wakho ngaphezulu, kodwa ingane yakho izobukelwa ekhaya lakho, izokwenza ukuthi ukusalela kwakho kube mnandi kakhulu, futhi umntanakho angase anakekele umsebenzi wezindlu okhanyayo kanye nokuhlanza izingubo. Angase futhi apheke ingane yakho. Uma uthumela ingane yakho ekunakekelweni kwansuku zonke, izindleko zingase zibe ziphansi, kodwa kungadingeka ukuthi uphathe ukudla kwasemini nsuku zonke ingane yakho. Kumele ucabange ukuthi kufanele ukhokhe ngaphezulu kokuphambene nokulungisa ibhodlela, isikhwama se-diaper bese uthola wena nomntwana wakho emnyango nsuku zonke.
Buza Ngezinzuzo Zomsebenzi
Abaqashi abaningi baqonda ukubaluleka kwezinzuzo zokunakekela izingane futhi banikezela ezinye izinto ezifana nezakhiwo zokunakekelwa kwesikhashana, ngokunciphisa kancane izindleko zokunakekelwa kwengane noma ukunikeza isikhathi sokukhokha ukuze banakekele abagulayo abagulayo.
Ngaphambi kokuba ube nengane wenze iphuzu lokuhlala phansi nomnyango wezisebenzi zomuntu wenkampani yakho futhi uthole zonke izinsizakalo zokunakekela izingane kanye nezinzuzo ezithembele ezikhona kuwe. Buza inkampani yakho mayelana ne-FSA yezempilo noma i-akhawunti yokusebenzisa imali ephathekayo, okuvumela ukuthi ugcine imali yentela ngaphambi kokukhokhela imali bese uyichitha ngonyaka onjalo ezindlini zezokwelapha. Akudingeki ukhokhe intela yentela ngemali uma nje isetshenziselwa izindleko zezokwelapha ezifanelekile.
Yazi Izinkambiso Zakho Zentela nama-Breaks
Kunezinzuzo zentela yokunakekela izingane kanye nezinye izindlela zokuthola imali yokunakekela izingane. Uma ukhokha othile okumele anakekele izingane zakho ngenkathi usebenza, ungase ufanelekele isikweletu sentela yokunakekelwa kwengane kanye noxhaso.
Ngokusho kwe-IRS, "Ungakwazi ukucela isikweletu uma ukhokha othile ukuthi anakekele umuntu othembekile ongaphansi kweminyaka engu-13 ... ukuze afaneleke, kufanele ukhokhe lezi zindleko ukuze usebenze noma ufune umsebenzi." Ngesikhathi sokukhokha intela , qiniseka ukuthi ubuza i-akhawunti yakho ukuthi yini oyigugu ngoba ingakusindisa imali eningi!
Izwi elivela ku-Verywell
Ukuhlela ukunakekelwa kwengane kungaba nzima futhi kunzima, kodwa akunakwenzeka ukuphatha lezi zindleko ngesikhathi esithile nocwaningo. Uma ungafuni ukuphazamiseka yizindleko zokukhulisa izingane, yenza ucwaningo lwakho mayelana nezinketho zokunakekela izingane zendawo, khuluma nomnyango wakho wemithombo yabantu, bese uthintana nomuntu we-akhawunti noma umhleli wezezimali.