Khetha enye yaleziphakamiso ukuphatha ukunakekelwa kwelanga kushintsha amanani abo
"Sikhulisa izinga lethu lokufunda kusukela emavikini amabili," umhlinzeki wakho wokunakekelwa kwesikhashana uthi ngenkathi ekunikezela inkontileka entsha. Linda, yini? Awunakukwazi ukukhokhela ukufundela manje! Isilinganiso semfundo yokunakekelwa kwengane e-US singama- $ 16,514 ngonyaka ngokusho kombiko weNew America ne-Care.com. Uzoyitholaphi imali eyengeziwe ukuze ukhokhe ukwanda?
Uma ungena ku-sweat we-nerving ucabanga ukuthi ukunakekelwa kwakho kwesikhashana ukuhamba ngezinyathelo zethu sineminye imibono yokuzola izinzwa zakho.
Nazi izinto eziyisithupha ongayenza lapho futhi uma ukunakekelwa kwamasuku kwakho kusho ukuthi bakhulisa izifundo zabo.
Hlangana Nomqondisi Wezinsuku Zakho Zokuxoxa Ngezinketho Zakho
Ngaphambi komhlangano, ubuyekeze isabelomali sakho ukuze ubone ukuthi ngempela awukwazi yini ukukhuphula inkokhelo ye-daycare. Uma ungazange uqale ukusika amaceleni okwamanje yisikhathi esihle sokuzama. Zikhona yini izinsizakalo zokubhalisa ongazikhansela? Ngokuqinisekile, benza ukuphila kwakho kube lula kodwa ukunakekela izingane kuyadingeka. Ngingummeli omkhulu wokuzinakekela, kodwa wena noma oshade naye uchitha imali ngokunethezeka okuncane ongahamba ngaphandle kokuthi izingane zakho zingene esikoleni esiphansi?
Yenza uhlu lwezinto ongazinciphisa. Bese ubeka phambili ukuthi yiziphi ongase uziqale ukuzinciphisa namhlanje. Okokugcina, engeza inani lemali ongayilondoloza uma uyeka ukusebenzisa imali kubo. Ungamangala ngokwakho!
Uma ungenakho noma yini ongayenza emuva bese unquma inkokhelo yokufundela ongayikhokha.
Khona-ke uma uhlala phansi nomqondisi wezinsuku zakho sebenzisa indlela ye-AEIOU ukuze ubaqinisekise ukuthi bakunike ikhefu futhi baqondise ingxoxo yakho. Nasi isibonelo:
"A" imelela ukuvuma inselele. "Ngiyaqonda ukuthi izindleko zemfundo ziye zavuswa."
"E" imelela ukuveza iphuzu lakho lokusebenzisa usebenzisa "Ngizizwa", "Ngicabanga" noma "Ngiyakholwa" ukuthatha ubunikazi bemizwa yakho.
"Nginomuzwa wokuthi izindleko ziphakeme kakhulu futhi asikwazi ukukukhokhela."
"Mina" umele ukuthola izenzo ezithandayo ongathanda ukuzenza zivele. "Ngingathanda ukwazi ukuthi singavumelana yini lapho singakukhokhela khona ukufundela okuphakeme kodwa hhayi lokho okushilo enkonzweni." noma "Uma ungasusa isifundo sethu ngingahlinzeka ngamasevisi ami njengokuhlanza noma ukusiza ngamaphepha okusika ekhaya ukulungiselela ukukhwabanisa, noma ngabe yikuphi okudingayo ongakwenza."
"O" umele ukuchaza uhlelo lwakho lokusiza ukunqoba inselele. "Sasihamba ngesabelomali sethu futhi sazi ukuthi singakwazi ukukhokhela u-$ 1,000 ngenyanga, okungaphezulu kwalokho esikukhokhayo manje. Ngonyaka , singabuye siphinde sibone isabelomali sethu ukuze sibone ukuthi singakwazi yini ukukhokha ngaphezulu."
"U" umele ukufuna ukuqonda kusuka komunye umuntu. "Ingane yethu iyayithanda lapha futhi siyakwazisa konke okwenzele yona. Uma ukusikisela kwami kungabonakali kunokwenzeka ukuthi kukhona yini isamba sokukhokha noma isitifiketi esingayifaka isicelo sakho? Ucabangani ngesiphakamiso sami?"
Isamba semali esilahlekile yilapho ukunakekelwa kwesikhashana kunesilinganiso esithile sokufundela kuxhomeke ekutheni umndeni uyakwazi ukukhokha noma ngokusekelwe ekutholeni imali yabo. Lesi sipho sitholakala kalula kumindeni ephansi engenayo kodwa ezinye izinsuku zingase zinikeze yonke imindeni.
Awazi ngaphandle kokuthi ucele!
Hlola Ngesimiso Se-Akhawunti Yomsebenzi We-Flexible Spending Account
I-akhawunti ye-akhawunti ye-Flexible Spending Account (FSA) i-akhawunti ekhethekile oyifaka imali kuyo yonke imali yokukhokha ongayisebenzisa ukukhokha izindleko zokunakekelwa kwezempilo ezithile ezingaphandle. Ubuhle balolu hlelo ukuthi awukhokhi intela ngale mali. Lokhu kusho ukuthi uzosindisa inani elilingana nezintela ozozikhokha ngemali oyibeke eceleni.
Khuluma nomphathi wakho we-HR ukuthola ukuthi inkampani yakho inikeza i-Akhawunti ye-Flexible Spending nokuthi yiziphi izindleko ezihlanganiswa ngaphansi kwepulani. Akuzona zonke izindleko zokugcinwa kwezinsuku ze-FSA zokuphepha kodwa kufanelekile ukuthola.
Uma bengabali izindleko zokunakekelwa kwelanga lolu cwaningo ngeke lube imbangela elahlekile! Ungathola izindlela zokusebenzisa le akhawunti ukuze usize imali ethile ongayifaka ezindleleni zokunakekelwa kwelanga!
Qala umsebenzi ohlangothini olulodwa ukuze wenze imali eyengeziwe oyidingayo
Umyeni wakho noma umyeni wakho angase afune umsebenzi wesibili ukumboza izindleko zokunakekelwa kwamasuku. Omncane (noma) wakho omncane usezinyangeni zeminyaka emine, okuyinto empeleni isikhathi esifushane. Nakuba okwamanje uzizwa unomphela, lesi sikhathi sizodlula ngokushesha. Ngakho thola umsebenzi wesibili ongawasebenzisa ngemigomo yakho ukuze ukwazi ukuyifaka ngaphambi noma emva komsebenzi wakho wosuku.
Ungajoyina u-Fiverr ukuthola umsebenzi wokuzimela. Udala iphrofayli bese wabelana ngamaqoqo akho amakhono. Bese usetha izincazelo ezimbalwa ze-gig ongathanda ukukuqashwa. Enye inketho ukuthi ube ngumshayeli we-Uber. Ungabeka ukuthi yimaphi amahora owatholayo futhi unomshwalense omncane emshwaleni wakho wemoto, ungase uzuze amabhakede ambalwa ngesonto. Ingabe wena noma umyeni wakho ungumuntu ozithandayo noma owesifazane? Dlulisa amehlo ohlwini lwe-Craigslist ngemisebenzi yokunakekelwa ekhaya futhi uzikhandle! Esinye isayithi ongazama ngayo i-FlexJobs.com. Uma ubhalisile uzoba nokufinyelela ebhodini labo lomsebenzi elihlinzeka umsebenzi kusuka ekhaya, isikhathi sesikhathi kanye nemisebenzi eguquguqukayo.
Thola uMhlinzeki wezinsuku ezahlukene
Uma ukunakekelwa kwesikhashana sakho kungathandi ukusebenzela okuthile ungadinga ukushiya. Umntanakho angase athukuthele kodwa uthembele ukuthi uyazi ukuthi yini engcono kakhulu futhi bazokwenza abangane lapho behamba khona. Ungathola indawo engcono kuneyakho lapho ufunda khona esikoleni esingabizi. Thumela okuthile ebhukwini lebhodi lakho lomsebenzi. Mhlawumbe kunabanye abazali ekunakekeleni kwesikhashana okungeke bakwazi ukukhuphula emfundweni futhi nina bantu ningathola isitifiketi ukubuka izingane zenu.
Unezinye izinketho kunokuthola olunye ukunakekelwa kwesikhashana. Zama ukuthumela okuthile kubhukwana lakho lomsebenzi ukuze ubone ukuthi abanye abazali bangathanda ukuqala ukunakekelwa kwezinsuku zokusebenzisana. Yilapho iqembu labazali liqasha uthisha ukuba anakekele izingane zabo. Ungazama ukunakekelwa kwezinsuku ezisuka ekhaya. Abanye bangase babe nezimo eziguquguqukayo futhi bayothuthukisa ingane yakho esikoleni sasenkulisa ukuze bathole imfundo oyitholayo esikhungweni sokunakekela izingane. Ngcono nakakhulu ukunakekelwa kwezingane okusekelwe ekhaya kungase kubhalisele ohlelweni lwemakhaya ukuthi bangafundisa izingane zabo.
Uma uthola izindaba ezifana nalezi into yokuqala ozizwayo ukwesaba okungaziwa. Ukunakekelwa kwakho kwesikhashana ukuphakamisa izifundo zabo kungasabisa kodwa wazi ukuthi unokukhetha okuningi kutholakale kalula. Uma ukhetha uzizwa ukhululekile ekulawuleni futhi lokhu kukusiza ukuba ubone kuqala imiphumela emihle. Themba ukuthi konke kuzosebenza futhi ukuthi izingane zakho zizonakekelwa kungakhathaliseki ukuthi izinto zivela kanjani.