Hlela ngokwezifiso Amathempulethi angu Umfundi Wasekolishi

Ukuzulazula ohlangothini lwezezimali ekolishi kunzima kubantu abadala abaningi. Ucwaningo lukazwelonke lwezezimali lwabafundi luveze ukuthi ama-70% abafundi basekolishi babhekana nengcindezi maqondana nezimali zabo. Lokhu akumangalisi kangako, njengoba abafundi abasanda kuphothula esikoleni esiphakeme besuka empilweni yasekhaya baye esimweni lapho benesibopho senhlalakahle yabo yezezimali. Lokhu kusebenza ikakhulukazi kubafundi ababoleka imali mboleko yabafundi. Le mithwalo yemfanelo eyengeziwe ingashiya abafundi bezizwa bebambekile futhi bedukile. Ngabe intsha esanda kuphothula iziqu kufanele iphephile kanjani ngokwezimali futhi ujabulele ekolishi ngaphandle kokuqondiswa? Sonke sithanda ukuzijabulisa nokuzijabulisa nabangani bethu, ikakhulukazi ekolishi. Ngakho-ke, abafundi basekolishi benza kanjani isabelomali ngempumelelo ngenkathi beqinisekisa impilo yasekolishi enethezekile? Impendulo ingahluka kuwo wonke umfundi, kepha ukwamukela imikhuba efanele ngokwezimali kungathuthukisa kakhulu isipiliyoni sakho sasekolishi.

Ukusungula uhlelo lwezimali

Lapho usondela kunoma yisiphi isimo, kuvame ukuba wusizo ukuthatha isinyathelo emuva futhi uzame ukuqonda isithombe esikhulu. Abafundi basekolishi abasanda kuzimela kungenzeka ukuthi abakathuthuki isakhiwo sokuqapha imali engenayo nezindleko. Ukungena esimweni sakho sezezimali nokubona izinombolo kuspredishithi kuyisinyathelo sokuqala esibalulekile ekwakheni isabelomali. Izinhlelo zokusebenza zeselula ezifana neRocket Money zinikeza indlela elula yokulandelela imali engenayo nezindleko. Ukulandelela imali engenayo nezindleko kuzokuvumela ukuthi uthole izinto eziza kuqala kuwe, futhi uhlele kangcono isikhathi eside. Lokhu kukunikeza umbono ongcono wokusebenzisa isikhathi sakho nokubeka phambili imisebenzi efanelekile, njengemisebenzi, amaqembu okufunda, nokuxhumana nabantu.

Enye inketho yabafundi basekolishi yindlela yezandla ezengeziwe. Ukudala ispredishithi esiku-inthanethi kungaba yindlela enhle yokuzinika isithombe esicacile sempilo yakho yezezimali futhi ikusize ujwayelane nayo. Bala imali engenayo futhi unqume imvamisa yesabelomali esihambisana nendlela yakho yokuphila, njalo ngenyanga noma masonto onke. Isabelomali sanyanga zonke sivame ukuba yisinqumo esikhethiwe ngenxa yokulula nokusebenza kwayo.

Ukuhlela ngokucophelela ngale ndlela kungasiza ukugwema amaphutha angalimaza ibhalansi yakho yezezimali. Uzobona ukuthi imali engenayo / izindleko zakho zihlala isikhathi eside yini kule nqubo, njengokuthi ukhokhela izinsizakalo eziningi zokubhaliselwe, noma uma uchithe imali encane kakhulu ezintweni zesikole.

Bhala futhi uhlukanise zonke izindleko zakho, njenge: irenti, ukufunda, ukudla, izinto zesikole, ubulungu bokuzivocavoca, izinkokhelo zemalimboleko, ezokuthutha, ukuzijabulisa. Ukuhlukanisa izindleko zakho zibe zihleliwe neziguquguqukayo kuzokusiza ukuthi uqonde ukuthi imali yakho iya kuphi inyanga ngayinye nokuthi unganciphisa kuphi. Isibonelo, ngenkathi izinkokhelo zerenti nemalimboleko ziyintengo ebekiwe futhi zingashintshi, ungagcina imali ekudleni, ubulungu bokuzivocavoca, noma ezokuthutha ngokufuna ezinye izindlela ezishibhile noma ukusebenzisa izaphulelo zabafundi.

Ukusebenzisa umthetho we-50-30-20

Umhlahlandlela ojwayelekile ngu-50-30-20 Rule: yabela u-50% wesabelomali sakho kwizidingo, i-30% yezifiso, no-20% ukonga. Le bhalansi ikhuthaza ukusetshenziswa kwemali okuhlelekile ngenkathi ivumela indawo yokuzijabulisa nokukhula kwezezimali. Awuyena umshini, ngakho-ke shiya indawo yokuchitha ezintweni ofuna ukuthuthukisa impilo yakho, njengezinsizakalo zokubhalisa noma ubusuku nabangani.

Bheka isibonelo sethu esilula sesabelomali sabafundi basekolishi esibenzile, nezinyathelo zokulisebenzisa. Ukulandela lezi zinyathelo kungaba enye yezindlela zokukusiza ukuphatha isabelomali sakho ngendlela ehlelekile.

1. Gcwalisa imali engenayo: Bhala phansi ukuthi ingakanani imali oyiholayo emithonjeni ehlukene njalo ngenyanga, njengomsebenzi noma imifundaze.
2. Bhala phansi izikweletu zakho ezijwayelekile: Bhala phansi izindleko ezingashintshi kakhulu, njengerenti noma i-bill yakho yefoni.
3. Landelela ukusetshenziswa kwakho: Qaphela ukuthi uchitha malini ezintweni ezihlukile, njengokudla ngaphandle noma ukuthenga izingubo.
4. Yenza izibalo: Ishidi lesabelomali linezela izindleko zakho (Fixed + Variable) kanye nemali engenayo.
5. Hlola ibhalansi yakho: Bheka ukuthi unayo imali esele noma udinga ukusebenzisa imali ethe xaxa. Lokhu kukusiza ukuthi unqume ukuthi uzonciphisa ukusetshenziswa kwemali noma uthole izindlela zokwenza imali ethe xaxa. Uma iseli ephepheni libomvu, lokho kusho ukuthi uchitha imali engaphezu kwalokho okuholayo futhi ulahlekelwe yimali.

Ukuhlela isabelomali njengomfundi wasekolishi kungabonakala kusabisa, kepha kuyikhono elibalulekile elibeka isisekelo sekusasa lakho lezezimali. Umgomo wakho awugcini nje ngokuziphilisa futhi uphile ngaphandle kwengcindezi yezezimali. Uhambo lwakho olubheke enhlalakahleni yezezimali luqala namuhla ngoba uma uqala ngokushesha, isikhathi esithe xaxa sokuphumelela. Ukuthatha izinyathelo ezisebenzayo namuhla kukubeka ikusasa eliqhakazile, eliphephile ngokwezezimali.