Xa ufumanisa okokuqala ukuba unamawele , ezininzi iingcamango nemibuzo yawela ingqondo yakho. Oku kwenzeka ntoni? Siza kubaxelela njani? Ngaba baya kuzalwa ngokukhawuleza? Kwaye ngezinye iinkalo, mhlawumbi ukukhathazeka kwakho kuguqulelwe kwiimali. Ngaba kufuneka sithenge ezimbini zezinto zonke ? Ngaba siya kufuna imoto enkulu? Indlu enkulu? Yintoni le eya kwiindleko?
Kuxhalabisa ngokuqhelekileyo kwiintsapho kwezi zihlandlo. Ngenxa yokunyuka kwengcinezelo kwezoqoqosho, kunengqiqo ukuqwalasela impembelelo yemali yokuba nabantwana ababini (okanye ngaphezulu) ngexesha elinye. Xa usapho lwakho lukhula ngomntwana omnye, kukho iindleko. Xa liphindaphinda ngeeninzi, iindleko zikhula ngokuzenzekelayo.
Kubiza malini ukuphakamisa amawele?
Uqikelelo lweSebe lezoLimo laseUnited States lubonisa ukuba indleko yokukhulisa umntwana ozelwe ngo-2012 (umhla wokugqibela wamanani afumanekayo) ukuya kwiminyaka elishumi elinesixhenxe i-$ 241,080. Eli nani alibandakanyi iindleko zemfundo yekholeji. Loo mfanekiso ungowentsapho ephakathi; Ingxelo ibonisa uluhlu oluvela kwi-$ 173,490 kwiintsapho eziphantsi zengeniso ukuya kwii-399,780 zama- Unokuqikelela iindleko zentsapho yakho ngokusebenzisa iindleko zokuphakamisa umntwana wokubala.
Nangona kunjalo, abazali abanomdla ngokusesikweni bayabulumko ukuba baqhube phambili bacinga ngeendleko zemfundo yekholeji ekupheleni kwale minyaka elishumi elinesixhenxe.
Ngabantwana bobabini baya kwiikholeji ngexesha elifanayo - endaweni yokudibanisa iminyaka emibini - loo mali ingabaluleka. Ngokuya kwi-website ye-COLLEGEdata, Iindleko eziqhelekileyo kwiikholeji ngo-2012-2013 zazingama-22,000 kwizikolo zikarhulumente kunye ne-$ 43,000 kwizikolo ezizimeleyo. Yiyo yonyaka.
Ngomfundi. Abazali bamawele bafuna ukuhlalutya imali engaphezulu kwekota yesigidi seerandi ukubonelela ngemfundo yeekholeji kubantwana babo.
Ngaba kubiza ukuba namawele?
Akungathandabuzeki ukuba amawele axabisa kakhulu kunokuba usane umntwana. Nangona kunjalo, kukho ezinye iindlela zokuba namawele aya kuba kubi kakhulu kunokuba abe nabantwana ababini beeminyaka ezahlukeneyo. Ngokomzekelo, iingxaki zezokwelapha ezinxulumene nokuzalwa ngokubanzi zinokunyusa iindleko ezihambelana nokukhulelwa okuvini okanye unyango lwezonyango. Kwakhona, ngokuphindaphindiweyo, iintsapho zilahlekelwa yikhono lokusasaza iindleko ngokuphindaphinda izambatho, amathoyizi kunye nezixhobo zobantwana. Akunako ukusebenzisa i-down-me-downs, enokuphakamisa uhlahlo lwabiwo lwezinto zokugqoka kunye nezinto zokulungiselela abantwana. Iindleko ezininzi zixeshanye, kunokuba zisasazeke ngokuhamba kwexesha, ezifana neendleko zokunakekelwa kwamasango, i-diapers, i-inshurensi yemoto yabaqhubi abasha, okanye imisebenzi yecandelo lexesha.
Nangona kunjalo, ekudilizeni amanani ahlanganiswe kuqikelelo lwe-USDA, kukho ezinye iindleko ezingenakunyuswa ukuba zibe ngamawele. Izindlu zimelela i-chunk enkulu yeendleko kwiqikelelo lenkampani. I-USDA iphetha ukuba izindlu zimele iipesenti ezingama-30 zeendleko ezipheleleyo zokukhulisa umntwana ngokusasazeka ngaphezu kweminyaka elishumi elinesixhenxe.
Kwiintsapho ezininzi, iindleko zezindlu ziya kuhlala zifana nokuba zinomntwana omnye okanye amawele. Ingeniso yakho okanye ukuhlawulwa kwemali yokuthenga imali ayiyi kuguquka ngenxa yokuba uninzi, ngaphandle kokuba, ngokuqinisekileyo kufuneka uhambe kwikhaya elikhulu kuba unabantwana ababini ngexesha elinye. Njengoko ingxelo ichaza, "Iindleko ngamnye ngomntwana zinciphisa njengentsapho inabantwana abaninzi. Imindeni enezingane ezintathu okanye ngaphezulu ichitha iipesenti ezingama-22 ngaphantsi komntwana kuneentsapho ezinabantwana ababini. "Nangona kunjalo, loo nto ayiyi kubambelela ngokuqinisekileyo ngokuphindaphindiweyo, njengoko ingxelo ibonisa ukuba iyalondolozwa ngokusekwa kunye nokwehla kwam isandla.
"Njengokuba iintsapho zinabantwana abaninzi, abantwana bangabelana ngamagumbi okulala, iimpahla kunye neesekhoni zinokunikezelwa kubantwana abancinci ...", Kodwa, ngezinye iindlela, ukuhla kweendleko kuya kubonakala, kwiimeko apho "ukutya kunokuthengwa khona kwizikhulu ezinkulu kunye nezoqoqosho, kwaye izikolo ezizimeleyo okanye amaziko okunyamekela abantwana anganikela isaphulelo sabantwana.
Ndiya kugqiba ukuba amawele athile abiza ngaphezu kokuba nabantwana ababini beeminyaka ezahlukileyo, ngenxa yokungakwazi ukuphinda ndibuyele phantsi. Xa kufuneka uthenge ezimbini zezinto zonke, oko kukuthi, iindleko zenziwa ngenxa yokuba bobabini abantwana banesidingo simva, nokuba ngaba-diapers, amabhayisiksi amatsha, izifundo ze-tennis, okanye iiklasi zithenda ... kuba namawele angabiza. Nangona kunjalo, ndikholelwa ukuba iintsapho ezininzi ezinamawele okanye eziphindaphindiweyo zihlawulela ezo ndleko ngokuthi zithengise abathengi, ziboleke izinto kunokuzithenga kwaye zifikelele kwiintengiso zeeklasti zokufumana amaxabiso amnandi kwizinto ezisetyenziswayo. Nangona kunjalo, ungakhohliswa ekucingeni ukuba izaphulelo zeemplisi ziya kunqoba ukuphelelwa kwebhajethi yakho. Ngesinye isikhathi, abathengisi kunye nabakhiqizi banokuba nobubele ekunikezeni izaphulelo ngamawele, kathathu okanye ngaphezulu. Le mihla, zikhona izaphulelo ezimbalwa kunye neendlela eziphathekayo ezinika ikhefu kubazali abaninzi.