Akumangalisi ukuba abantwana bayabiza, kodwa abaninzi abazali abakulungiseleli ukuba ixabiso elingakanani lamanani edoli liba minyaka yonke. Unyaka wokuqala wobomi bentsana ixabisa amaxesha amane okufunwa ngabazali abaninzi, kwaye ngokwemibiko ye-2014 evela kwiSebe lezoLimo lase-United States, iintsapho ezinomvuzo ophakathi ziza kuchitha malunga nekota yesigidi seedola ukukhulisa umntwana ukususela ekuzalweni ukuya kwi-18 ubudala. .
Enye yeendleko ezinkulu abazali abakunyamezelayo kukunyamekela abantwana, ingakumbi xa abantwana bebancinci. Iindleko zonyaka zonyaka zokunakekelwa kwenkathalo zivela kwi-10,468 zama-$ ukuya kwiprogram yokunakekela abantwana kwi-daycare ukuya kwii-28,905 zama-dollar kwi-nanny, ngokutsho kweNkcazo ye-Care.com entsha ye-Care.com. Ngokuxhomekeka apho uhlala khona, izindleko zenyanga zokunyamekela abantwana zingaba zininzi okanye ngaphezulu kuneentlawulo zempahla.
Ngaba ixabiso lilifanele ? Ucwaningo luye lwabonisa ukuba ukunakekelwa kwabantwana bekhwalithi akubalulekanga kuphela kubomi bentsha kunye nokukhuseleko, kodwa kunokukunceda izakhono zabo zophuhliso kwaye baveze kumava amatsha. Abazali abatsha kufuneka bathathe ixesha lokuqonda kunye nokucwangcisa iindleko zokunakekelwa kwabantwana ezilindelweyo kunye nokungalindelekanga. Ukucwangcisa kwangaphambili kunokuhamba ixesha elide ekuncedeni intsapho yakho igweme ukutshatyalaliswa kwaye uzive unembephelo ngakumbi kwizigqibo zakho zokunakekela abantwana. Ngezantsi zingcebiso ezihlanu kubazali abatsha.
Xoxa NgeeMali Zakho
Ukuba wena kunye neqabane lakho niceba ukuba nabantwana, kubalulekile ukuxoxa ngemali yakho ngaphambi kokuba umntwana eze.
Ingxoxo evulekile neyinyaniso malunga nokuba imeko yakho yokunyamekela abantwana ibonakala njani kwaye yenza uphando kwiinketho zokunakekela abantwana kwendawo. Cinga ngento efanelekileyo yentsapho yakho ngokwemisebenzi yakho, iiyure zokusebenza, ubunzima bakho bokufumana, imeko yokuhlala, iindleko kunye nexabiso malunga nokunakekela abantwana. Ukuba le ngxoxo iza kunceda wenze izigqibo ezibalulekileyo kwaye uqonde uhlahlo lwabiwo-mali oluhambelana nezi zigqibo.
Iinkqubo zoPhando lwezingane
Kukho iindlela ezininzi zokunyamekela abantwana kwaye uluhlu lweendleko lunokuba lukhulu kwaye ludideke. Okukhethwa kukho kubandakanya imihla ngemihla yamasiko, iintsuku zokuhlala ekhaya, ii-nannies, izabelo ze-nanny , nabantwana be-babysitters, kunye nokuba namalungu omndeni abukele umntwana wakho. Umnikezeli wezononophelo zabantwana uza kuchaphazela iindleko zakho, ngoko ukuqonda iingxaki kunye neendleko zezo nganye kunye neendleko ezichaphazelekayo ziya kukunceda ukuba uqonde oko kukulungele intsapho yakho.
Hlola iindleko kunye neNzuzo
Ezinye iinketho zokunakekela abantwana zibiza kakhulu kunezinye, kodwa ezo zikhetho zinokuba neenzuzo ezibaluleke kakhulu kuwe. Umntwana uya kuhlawula imali yakho kwintsapho, kodwa umntwana wakho uya kujongwa ekhaya lakho, uya kwenza ukuba kusasa kukunyamekela, kwaye umntanakho unokunyamekela umsebenzi wendlu yokukhanya kunye nokuhlamba iimpahla. Unokupheka umntwana wakho. Ukuba uthumela umntwana wakho ekunakekelwa kwamasango , iindleko zingaphantsi, kodwa unokwenza ukupakisha isidlo sasemini ngosuku lomntwana wakho. Kufuneka ucinge malunga nokuba kufuneka uhlawule ngokugqithiseleyo ukuba ulungele ibhotile, isikhwama se-diaper kwaye ufumane wena kunye nonyana wakho emnyango ngosuku ngalunye.
Buza malunga neNzuzo yabasebenzi
Abaqeshi abangakumbi baqonda ukubaluleka kweenzuzo zokunakekelwa kwabantwana kwaye banikezela ezinye izinto ezifanelekileyo, njengamaziko okunakekelwa kweso ngosuku, ngokunciphisa iindleko zokunyamekela abantwana okanye ukubonelela ixesha lokuhlawulwa kwabathengi abagulayo.
Ngaphambi kokuba ube nosana wenze iphuzu lokuhlala phantsi kunye neSebe lezakhono zenkampani yakho kwaye ufumene zonke iinkonzo zokunakekela abantwana kunye nezibonelelo ezixhomekeke kuzo. Nceda ubuze inkampani yakho malunga neFSA yezempilo okanye i-akhawunti yokuchithwa kwe-flexible, evumela ukuba ugcine i-dollar ngaphambi kokuhlawula irhafu kwaye uchithe ngonyaka omnye kwiindleko zonyango. Awunakho ukuhlawula irhafu yombuso kwimali nje kuphela xa isetyenziselwa iindleko zonyango ezifanelekileyo.
Yazi Imbopheleleko Yentlawulo kunye neZiphulo
Kukho iintlawulo zerhafu yokunakekela abantwana kunye nezinye iindlela zokufumana imali yokunakekela abantwana. Ukuba uhlawula umntu ukunyamekela abantwana bakho ngenkathi usebenza, unakho ukufaneleka kwiNkcazo yentlawulo yabantwana kunye neNkcazo yokuThengwa kweNtlawulo.
Ngokutsho kwe-IRS, "Unako ukwazi ukubiza ityala xa uhlawula umntu ukunyamekela umntu oxhomekeke kumntu oneminyaka engama-13 ... ukuba afaneleke, kufuneka uhlawule le ndleko ukuze usebenze okanye ufune umsebenzi." Ngexesha lorhafu , qiniseka ukuba ubuze i-akhawunti yakho ukuba yiyiphi impawu kuba umgangatho wakho kuba ungakugcina imali eninzi!
Igama elivela kwi-Verywell
Ukucwangcisa ukunakekelwa kwabantwana kunokuba nzima kwaye kunzima, kodwa akunakwenzeka ukulawula le ndleko ngexesha kunye nophando. Ukuba awufuni ukuphawulwa ngendleko zokukhulisa abantwana, yenza uphando lwakho malunga neendlela zokunakekelwa kwabantwana bendawo, thetha kwisebe lakho loluntu, kwaye ubonisane nomgcini-mali okanye umcwangcisi wezemali.