Amanani ahlala ephazamisayo. Ngomhla weJanuwari iSebe lezoLimo lase-United States likhupha uhlalutyo lwayo oko kukubiza ukukhulisa umntwana. Ngo-2017, inani lalingama-$ 233,610 (phambi kokunyuka kwamaxabiso) kumzali onomzali omabini, onomvuzo ophakathi-mali ukukhulisa umntwana uneminyaka eyi-17.
Yaye abazali bonke ngoJanuwari bavala ezi manani kwiindaba baza bathuthe iintloko zabo. Akungabazeki ukuba kuxabisa kodwa ...
Wowu! Umbuzo, ngoko, uba: ngaba kufuneka ube njalo? Ngaba unokubetha lo mkhangeli ngelixa ukhulisa umntwana wakho ngendlela ovakalelwa ngayo? Impendulo yinto ecacileyo ewe.
Ukunciphisa iindleko zokukhulisa umntwana kuthatha udibaniso lwexesha elide kunye nokuqeqeshwa kwansuku zonke. I-USDA isekelwe esi siqikelelo kwi-Bureau of Labor Statistic yonyaka we-Consumer Expenditure Survey, ebonisa umfanekiso womthengi waseMerika. Ngoko kukuya kuwe ukuhlukana ukusuka kumyinge, ukuqala ngeentlawulo eziphezulu ezintathu ze-USDA amagama, ekuhlahleni: izindlu (iipesenti ezingama-29 zeendleko ezipheleleyo), ukutya (iipesenti ezili-18) kunye nokunyamekela abantwana / i-K-12 imfundo (16 ipesenti).
ZeZindlu nezeMfundo
Ezi zimbini ziboshwe ndawonye ngenxa yokuba i-adage endala malunga ne-real estate-indawo, indawo, indawo-iyasebenza kuzo zombini. Abathengi bahlawula i-premium kumakhaya okanye irente kwizithili ezinezikolo eziphezulu. Ukuba uzimisele ukuya ekhaya okanye uthumele umntwana wakho kwisikolo sabucala, akunakulungele ukuhlawula le premium.
Xa uhlala kuthengela ekhaya, kulungele ukuqhuba iinombolo zeendleko zezikolo ezizimeleyo ngokubhekiselele kwiindleko ezongeziweyo zokuthenga kwindawo ephakamileyo enexabiso eliphezulu nangenakuphakanyiswa kwesithili. Ukuba unomntwana ongaphezu komnye, isikolo sikarhulumente siza kuphuma sithengi, kodwa iintsapho ezingabodwa zingasindisa.
Kwakungenangqiqo ukuhlawula le premium ngaphambi kokuba umntwana wakho wokuqala ahlasele iminyaka yobudala. Umnqweno wokufudukela kwindlu enkulu kwaye uhlale kuyo ukuze uqhelele ixesha elide xa uzalwa umntwana wakho wokuqala. Nangona ude ulinde, nangona kunjalo uya kunciphisa iindleko zakho zokukhulisa umntwana.
Indawo ayikho nje kwizithili zezikolo. Ngokwenene i-27 ekhulwini ixabiso elincinci lokukhulisa umntwana kwindawo yasemaphandleni kuneendawo zasemadolobheni aseNyakatho-mpuma, ngenxa yeendleko eziphantsi zezindlu kunye nokunakekelwa kwabantwana . Enyanisweni, ukunyuka kwiindleko ezantsi kweendawo zokuhlala kunemiphumo eninzi kuneedola kunye neentente. Nangona kunjalo, xa kukho ezinye iinjongo, ezifana nokusondeza kwintsapho okanye ithuba lokuphila ngendlela eyahlukileyo, abazali benza isigqibo sokuhamba. Xa abazali basebenza ekhaya, ukungabi nendawo yokusebenza kwindawo yokusebenza kwenza le ndlela ibe yinto enokusetyenziswa ngakumbi.
Ukunyamekela kwabantwana
Ukunyamekelwa kwabantwana kungaba yindleko enkulu kubazali abatsha, kodwa ngokubulela kuyancipha njengoko abantwana bekhula kwaye mhlawumbi bahamba ngokupheleleyo xa befikelela esikolweni. Kodwa ngaloo minyaka yokunciphisa iindleko zokunakekela abantwana kuthetha ukunciphisa iindleko zakho ezihambelana neengane. Yonke intsapho iyahluke, kodwa nakhu ezinye iindlela zokunciphisa iindleko zokunakekela abantwana:
Yiba ngumzali wokuhlala ekhaya. Ukuba umzali omnye ungumvuzo ophantsi, kunokuba kunengqiqo ukuyeka nokuyeka iindleko zokunyamekela abantwana, ngakumbi emva kokuzalwa komntwana wesibini. Ewe, ukwenza oku ungadinga ukuthatha ezinye iindlela zokunciphisa indleko ezifana nokuhamba okanye ukunciphisa iindleko zakho jikelele. Kwakhona gcinani engqondweni ukuba awuyi kusindisa imali ngexesha elide ukuba awuyi kubuyela kubasebenzi xa ukunakekelwa kwabantwana kungasadingeki.
Yiba ngumzali womsebenzi ekhaya. Abazali abasebenza ekhaya akudingeki ukuba bachithe zonke iindleko zokunakekelwa kwabantwana, kodwa bazinokunciphisa. Ukusebenza kwithuba lesikhathi ukusuka ekhaya kuya kuba yindlela enhle yokuba abazali bahlale beqala ngokutsha, benze ukuba bangene kwakhona emsebenzini. Ukusebenza ekhaya kusindisa imali ngezinye iindlela ezifana nokuhamba kunye nezambatho.
Yiba nomkhulu okhulu okanye isihlobo sibukele umntwana wakho. Le ndlela ayinokuba yinkonzo yokunakekelwa kwabantwana mahhala, kodwa ngokuqhelekileyo ixabiso elincinci kunokhathalelo lwemini. Kunokuba nzima ukufumana ukunakekelwa kwengane yenkxaso-mali, ngoko ke isisombululo esihle ukuba unciphisa iiyure zakho ukuya kwixesha lesahlulo.
Ukutya
Ngokungafani nokunyamekelwa kwabantwana, indleko yokondla umntwana wakho yanda nje xa umntwana wakho ekhula. Yingakho i-USDA iqikelela ukuba ibiza iindleko ezingaphezulu kweedola ezingama-200 ngenyanga ukunyusa umntwana osemnye! Iindleko zokutya ziyindleko ephakamileyo kweso sibini, ke le yindawo yokugcina.
Indlela efanelekileyo yokugcina imali ekudleni kukupheka . Ukutya okuphekwe kwangaphambili, ukukhupha, kunye neevenkile zonke iindleko kakhulu kunokuba zenzeke ukupheka ukutya kwakho okutsha. Ukulula kunokuba kwenzeke ngenxa yokuba into enye abazali abangenayo, kaninzi ngaphezu kwemali, ixesha. Kungaba nzima ukubuyela ekhaya uvela emsebenzini kwaye uqale ukupheka. Le yilapho ukuzithiba kungena khona. Kodwa nantsingcebiso ezimbalwa zokugcina upheka:
Nika usuku (okanye ubuncinane inxalenye engcono yemini) ukupheka. Oku kungenziwa kwinyanga, kanye ngeveki okanye kwindawo ethile phakathi, kodwa kubekwe eceleni ixesha lokupheka phambili. Xa ukwenza oku, uya kuba nenketho yokutsala isidlo esilula ngaphandle kwefriji kwiveki yokuxakeka kweveki okanye ufake isahluko sesonka sebhanana kwimini yokutya yesikolo sakho sabantwana endaweni ye-snack yangaphambili.
Phinda kabele iresiphi yakho. Emva koko wabeka isiqingatha saso efrijini ngobunye ubusuku.
Cwangcisa ukutya kwakho kwangaphambili. Yenza imenyu yamasonto onke, ucinga ngesidlo sefriji ubusuku obuyazi ukuba uya kuxakeka. Ukuza ekhaya uvela emsebenzini kwaye ungenayo inkcazelo into ongayipheka yindlela elula ukuyithatha.
College
Kuqikelelo lwe-USDA lokukhulisa abantwana, iindleko zinciphisa ngomntwana ngamnye ongezelelweyo, oko kubiza "okunciphisa ngexabiso elilishumi." Ithi, "Kwiintsapho ezitshatileyo kunye nomntwana omnye, iindleko ezingaphezulu kwama-27% ngaphezulu komntwana kuneendleko kwintsapho yamabini amabini. "
Nangona kunjalo, uqikelelo lweendleko ze-USDA luyeka kwiminyaka eyi-18, ngoko ke indleko enkulu - iikholeji-ayifakiwe. Kwaye kukho, ngokuqinisekileyo, akusibizi ngexabiso elilishumi kwiikholeji.
Ukunciphisa le ndleko enkulu ekukhuliseni umntwana, kufuneka uqale kusasa, ukuze usasaze i-hit yakho kwingeniso yakho kwaye usebenzise inqaku elimangalisayo elibizwa ngokuba ngumdla. Ngokufanelekileyo, kufuneka uqale ukugcina xa umntwana wakho ezalwa. Kodwa njengoko siye savalela ekuqaleni, kuyabiza ukukhulisa umntwana ukuze oko kube nzima. Nomaphi apho uhamba ngohambo lwakho lokukhulisa abantwana, akukhawulezi ukuqala!
Ngako-ke kufuneka ungasindisa kangakanani? Cinga ngomthetho wesithathu othi abazali bafanele bagcine enye yesithathu yeendleko, balindele ukufumana ingeniso, ukufundiswa kwemali kunye nokuxhaswa ngemali ukulungiselela enye yesithathu kunye nemali-mboleko kwisithathu.
Ukulondoloza kwenza ulungiselele iikholeji kwaye kunciphisa i-big financial hit xa abantwana bebhalisa. Nangona kunjalo, ukunciphisa ngokwenene imali oyichithayo:
Khuthaza umntwana wakho ukuba athole umsebenzi kwaye agcine iikholeji.
Yazi inkqubo yoncedo lwezemali. Xoxa nabacebisi besikhokelo kwaye wenze lwakho uphando malunga neengxowa-mali kunye noncedo lwezemali.
Ukuhlalutya ngokucophelela indleko zezikolo zikarhulumente ezizimeleyo. Izikolo zikarhulumente zihlala zibiza kakhulu, kodwa umfundi onokuzifumana unokufumana i-scholarships yangasese eyenza ukuba kukhuphiswano okanye mhlawumbi ihlasele ngaphezu koburhulumente. Kodwa qaphela ukubolekwa kweemali mboleko ezivela kwizikolo ezizimeleyo.
Cinga iminyaka emibini yekholeji yasekuhlaleni ilandelwe ukudluliselwa kwisikolo seminyaka emine.
Ezinye iindlela zokusindisa
Ngokuqhelekileyo, kubakho imikhosi yamabutho abantu ukuba babe nefuthe. Akunjalo nje izinto ezinokuthi zithekithi zikhankanywe ngasentla, kodwa zizinto ezincinci ezongezelelekileyo njengentsapho ekhula, umzekelo, iiholide, iiholide, iimpahla , imisebenzi yexesha , njl. Ukuthatha ixesha lokucinga ngeendlela zokunciphisa oku njengokugcina ukubuyela kwindawo yokuthenga esikolweni okanye ukuthenga iholide yinto ebalulekileyo ye-equation.