Dollar Scholars Foundation

Izifundo zamahhala

Funda ngemali ngejubane lakho

Izifundo zamahhala ezisuselwa kukharikhulamu ye-FDIC ye-Money Smart for Adults. Zisebenzise ngokwakho noma ngamakilasi ethu wamahhala. Isifundo ngasinye siphela ngemibuzo emfushane ukuze ukwazi ukuhlola lokho okufundile.

Mahhala. Akukho ukubhalisa. Isebenza efonini yakho.

Qala ngesifundo sokuqala Thola ikilasi lamahhala

Isebenza kanjani

  1. Funda isifundo esifushane Ulimi olucacile, izibonelo zangempela, namagama amasha achaziwe.
  2. Hlola ukuthi yini oyifundile Phendula imibuzo embalwa bese ubone ukuthi kungani impendulo ngayinye ilungile.
  3. Qhubeka Landela indlela isihloko ngesihloko, noma uqale ngalokho okudingayo namuhla.

Indlela yakho yokufunda

Sincoma ukuthi uqhubeke ngokulandelana, kodwa ungaqala nganoma yisiphi isihloko.

  1. Isihloko 1

    Izisekelo zemali: Hlela, Landelela, futhi Londoloze

    Yakha uhlelo lokusebenzisa imali olusebenzela imindeni yangempela yendawo ye-DC, kufaka phakathi imali engenayo engalingani nemali ethunyelwe emndenini, bese uqala isikhwama esiphuthumayo kusuka ku-zero.

    Izifundo: 2 Mayelana nemizuzu engu-29

    1. Yakha uhlelo lokutshala imali oluhambisana nempilo yakho yangempela

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    2. Qala Isikhwama Esiphuthumayo kusuka ku-Zero

      Mayelana nemizuzu engu-14 Imibuzo ye-Quiz: 6

  2. Isihloko 2

    Izinketho zamasheya - ama-akhawunti asebhange asebenzayo kuwe

    Ungayivula kanjani i-akhawunti (ngisho nangaphandle kwe-SSN), qhathanisa amabhange, izinyunyana zezikweletu, izinhlelo zokusebenza, namasheke ama-cashers, futhi uthumele imali phesheya ngokuphepha nangentengo eshibhile.

    Izifundo: 3 Mayelana nemizuzu engu-46

    1. Ukuvula i-akhawunti yasebhange ngisho nangaphandle kwe-SSN

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    2. Amabhange, izinyunyana zezikweletu, izinhlelo zokusebenza, namasheke amasheke: yini evikelekile nokuthi kubiza malini

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    3. Ukuthumela Imali Ekhaya: Qhathanisa Izindleko Futhi Wazi Amalungelo Akho

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

  3. Isihloko 3

    Izinkokhelo kanye nezintela zemali engenayo yomuntu siqu

    Qonda i-stub yakho yokukhokha nokubamba, phatha intela ngemali engenayo ye-gig nemali, bese ufaka mahhala ngenkathi ufaka isikweletu ngasinye ositholile. I-Money Smart ayinayo imodyuli yentela, ngakho-ke lesi sihloko siyinhloko isandiso se-Dollar Scholars.

    Izifundo: 3 Mayelana nemizuzu engu-48

    1. Funda i-pay stub yakho bese ugcwalisa i-W-4 yakho

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    2. Izintela ze-gig, imali, kanye nemali engenayo yokuziqasha

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    3. Faka isicelo samahhala bese ufaka isicelo semali oyitholile

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

  4. Isihloko 4

    Imibiko Yesikweletu Nezikweletu

    Funda umbiko wakho wesikweletu futhi ulungise amaphutha, yakha isikweletu kusuka kulutho (kufaka phakathi njengomuntu omusha noma umnikazi we-ITIN), futhi ufunde ukuthi yini ehambisa amaphuzu akho.

    Izifundo: 3 Mayelana nemizuzu engu-51

    1. Funda umbiko wakho wesikweletu bese ulungise amaphutha

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

    2. Yakha isikweletu kusuka ku-Zero

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

    3. Yini ehambisa amaphuzu akho wesikweletu (nokuthi yini engekho)

      Mayelana nemizuzu engu-17 Imibuzo ye-Quiz: 6

  5. Isihloko 5

    Ukuboleka ngokuhlakanipha nokugwema ukubolekwa kwemali mboleko

    Bona intengo yangempela yemalimboleko, qaphela usuku lokukhokha, isihloko, ukuqasha, neminye imikhiqizo ebiza kakhulu, thola izinketho eziphephile, futhi uthole isivumelwano esifanele lapho uxhasa imoto.

    Izifundo: 2 Mayelana nemizuzu engu-36

    1. Intengo yangempela yemalimboleko: izicupho ezibiza kakhulu nezinketho eziphephile

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

    2. Ukuthenga imoto: Thola imalimboleko efanele futhi ugweme izicupho zomthengisi

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

  6. Isihloko 6

    Amakhadi wesikweletu nokuphatha izikweletu

    Sebenzisa ikhadi lesikweletu ngaphandle kokukhokha inzalo, yakha uhlelo lokukhokha olusebenzayo, futhi ubhekane nabaqoqi bezikweletu, amaphepha enkantolo, nezikweletu zezokwelapha ngokuzethemba.

    Izifundo: 3 Mayelana nemizuzu engu-49

    1. Sebenzisa ikhadi lesikweletu ngaphandle kokukhokha inzalo

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    2. Yenza uhlelo lokukhokha izikweletu

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

    3. Ukubhekana nabaqoqi bezikweletu kanye namacala okuqoqa izikweletu

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

  7. Isihloko 7

    Ukuqwashisa nge-Scam nokuvikelwa kobunikazi

    Qaphela imikhonyovu yanamuhla, ikakhulukazi leyo ehloselwe abokufika, abaqashi, nabafuna umsebenzi. Vikela ubunikazi bakho mahhala futhi ululame uma webiwe.

    Izifundo: 3 Mayelana nemizuzu engu-49

    1. Bona imikhonyovu yanamuhla: abakhohlisayo, imibhalo, nezinhlelo zokusebenza zokukhokha

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 5

    2. Imikhonyovu ebhekiswe kubokufika, abaqashi, kanye nabantu abafuna umsebenzi

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

    3. Vikela ubunikazi bakho futhi ubuyisele uma webiwe

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 5

  8. Isihloko 8

    Izinketho zokuqasha nezindlu

    Qasha ngokuzethemba endaweni ye-DC, futhi uqhathanise izindleko zangempela zokuqasha nokuthenga ngaphambi kokuqala indlela yokuba nekhaya.

    Izifundo: 2 Mayelana nemizuzu engu-34

    1. Ukuqasha endaweni ye-DC: ukuqasha, idiphozithi, kanye namalungelo akho

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

    2. Ukuqasha noma ukuthenga? Qhathanisa izindleko zangempela

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

  9. Isihloko 9

    Thenga ikhaya bese uthola imali mboleko

    Lungiselela izinyanga ezingaphezu kwezingu-12, sebenzisa usizo lokukhokha phansi, qhathanisa ukunikezwa kwemalimboleko, vala ngokuphepha, futhi wazi ukuthi ungaphendukela kuphi uma ubuyela emuva.

    Izifundo: 3 Mayelana nemizuzu engu-52

    1. Thola i-Mortgage-Ready: Uhlelo lwezinyanga eziyi-12

      Mayelana nemizuzu engu-16 Imibuzo ye-Quiz: 5

    2. Izinketho zamasheya kanye nezinhlobo zemalimboleko e-DC, Maryland, naseVirginia

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

    3. Kusukela ekulinganisweni kwemalimboleko kuya ngosuku lokuvala (nokugcina ikhaya lakho)

      Mayelana nemizuzu engu-18 Imibuzo ye-Quiz: 6

  10. Isihloko 10

    Ukulungiselela nokululama ekuphazamisekeni kwezezimali

    Okufanele ukwenze ezinsukwini zokuqala ezingama-30 ngemuva kokumisa imali engenayo, kanye nohlelo oluphuthumayo lomndeni lwezinhlekelele, ukugula kanye nezinguquko ezingazelelwe.

    Izifundo: 2 Mayelana nemizuzu engu-30

    1. Lapho imali engenayo iyeka: izinsuku zakho zokuqala ezingama-30

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 6

    2. Uhlelo oluphuthumayo lwezezimali lomndeni wakho

      Mayelana nemizuzu engu-15 Imibuzo ye-Quiz: 6

Ukhetha ukufunda nothisha?

Amakilasi e-Dollar Scholars amahhala. Thumela imibuzo yakho futhi ufunde nabanye.

Bheka uhlelo lwekilasi

Ngabe ufuna ukuhlola lokho owaziyo kakade? Zama i-Quiz yethu yezezimali (iwebhusayithi ehlukile)

Mayelana nalezi zifundo

Lezi zifundo zibhalwe yi-Dollar Scholars. Bakha ku-Money Smart for Adults, ikharikhulamu yamahhala evela ku-Federal Deposit Insurance Corporation (FDIC). I-Dollar Scholars ayiyona ingxenye ye-FDIC, futhi i-FDIC ayizange ibuyekeze noma ivume lezi zifundo.

Izifundo ziyimfundo ejwayelekile yezezimali. Akuzona izeluleko zomthetho, zentela, noma zezezimali zesimo sakho.

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