Kutaura neChikoro Chakanaka Chikoro
Chimwe chezvinhu zvekutanga zvepurogiramu yekuchengetedza yekoroji ndeyekutsanangura chinangwa chako.
Hasi dzose dzidzo yekoljiji dzakangofanana, uye iwe unoda kufunga nezvekutanga iwe uchajekesa kubudirira.
College Costs
Mudzidzi wako achava nemitengo yakawanda inobatanidza nekoroji yegore. Izvi zvinosanganisira:
- Chidzidzo
- Room and Board
- Mabhuku uye zvigadzirwa
- Nguo
- Ikombiyuta
- Zvimwe zvinhu zvinodhura
Izvi zvinogona kusiyana zvikuru zvichienderana nerudzi rwekoroji kana yunivhesiti mwana wako achauya, saka kuita chisarudzo pamusoro pekuenda kunzvimbo yekudzidzisa kunokosha. Chikoro chenyu chemunharaunda yekunharaunda chichava nechezasi kudhura kumativi ose kupfuura yeChikwata cheNational League kana yunivhesiti yega yega kana yevanhu kubva kumusha.
Kubva pane ruzivo kubva kuKoreji Bhuku rekuongorora, vadzidzi vanyoresa gore rino vanogona kutarisira zvikoro zvinotevera uye mari yegore negore:
- Private College: $ 32,405
- State College / University: $ 9,410
- Community College: $ 3,435
Zvechokwadi, izvi zvinodhura hazvirevi nzvimbo, bhodhi, nezvimwe zvinodhura zvakafanana.
Mari yeChikoro Sources
Kune nzira dzakasiyana dzekuti vadzidzi vekoroji vanobhadhara dzidzo yavo.
Izvi zvinosanganisira:
- Vabereki 'Kuponesa
- Student's Savings
- Zvipo uye Scholarships
- Mari dzevadzidzi
- Student Employment
Muzviitiko zvizhinji, zvizhinji zvezvinhu izvi zvinoitika. Asi pakutanga, vabereki vanofanira kuva netsika yekubhadhara koreji. Zviri pachena, kana zvichibvira, zvikwereti zvevadzidzi zvinofanira kudziviswa. Izvi zvikwereti zvinoshongedza vana vako nekoroji yekubhadhara chikwereti kwenguva refu mumabasa avo.
Uye mamwe mabasa anobhadhara zvikwereti zvevadzidzi zvakaoma kupfuura mamwe mabasa.
Nyanzvi dzinokurudzira kuti vabereki vatange kutarisa kuti zviyero zveizvipi zvingatakurwa kuburikidza nechimwe chezvinhu izvi. Semuenzaniso, iwe unogona kuda mari yako yevadzidzi kubva kumakore avo ekutanga kwekoroji kubhadhara 5% yemari. Zvichida iwe uchada kuti mudzidzi wako awane chikamu chechikamu munguva yekoroji, achibhadhara zvimwe zvimwe zve 5% yemari. Maonero emhuri imwe neimwe pamusoro pezvinzvimbo izvi ichave yakasiyana, naizvozvo fungisisa nezvazvo.
Kuverenga Koji yeKoridho uye Zvimwe Zvokuchengetedza
Kana wakambofungidzira mari yegore negore ramadhora emazuva ano aunoda dzidzo yevadzidzi vako, shanyira College Board yeKoreji Savings Calculator kuti uone kuti uchada zvakadini kuchengetedza mwedzi woga woga wakagadzirira apo mwana wako achirova gore rake rutsva mu college.
Savings Strategies
- Hurumende Inobhadharwa Savings Plans . Mutemo weBurumende wakasika izvo zvinonzi 529 Plans. Aya mazano anotsigirwa nehurumende uye anokubvumira kuchengetedza (uye mune dzimwe nguva prepay) yekorosi yedzidzo kune imwe kana mamwe mahofisi ehurumende anotsigirwa nehurumende kana masayunivhesiti. Zvikomborero zvikuru zvepurogiramu 529 ndeizvi:
- Mariro inokura mutero inoderedzwa. Iwe haungabhadhara federal kana hupfumi hwehurumende pamutengo wamunogadzira pamwedzi pamarongwa aya.
- Kugoverwa hakubhadharwi nehurumende. Paunokwevera mari kunze kwezvirongwa izvi, mari yaunotora haisi pasi pemutero wemutero wehurumende.
- Muridzi wekambani anoramba achidzora. Mudzidzi wako haagoni kungobudisa mari kune chimwe chinangwa; mubereki (kana kuti sekuru kana kuti mumwe munhu ane pabasa racho) anoita zvisarudzo pamusoro pokuti uye sei kana zvichishandiswa.
- Urongwa hwehupfumi hwakanyatsochengetedzwa. Panzvimbo pokuisa mari yako yekolitiji mune imwe chikwata chekuchengetedza kana mumusika wekutsvaga, chirongwa che 529 chinotungamirirwa nevatungamiri vekutsvaga masayenzi.
- Kuponesa kunofanirwa kusuruvara. Kana wangozvinyora uye uchibvumira kubviswa kwechigadziriswa, mari yacho inowanzobuda nenzira yaunotaura. Iwe unogona kukweta shure, wozorora uye wotarisa mari inovaka.
Purogiramu imwe neimwe yehurumende 529 yakasiyana zvakasiyana. Tsvaga ruzivo pamusoro pehutano hwehupfumi hwehupfumi hwehutano hwepurogiramu yako.
Bhuku Rekuchengetedza Dzidzo Yedzidzo
Nhoroondo idzi dzinowanika kuburikidza nemhando dzakasiyana-siyana dzemari. Zvimwe zvikamu zveESA ndezvi:
- Kusvika ku $ 2 000 pagore inogona kuiswa parutivi; zvipo hazvirevi mutero-zvinobviswa, asi kufarira kunowanikwa
- Mipiro inogona kuitwa kusvikira mudzidzi anowana mubhadharo kusvika kusvika 18
- Mari dzinogona kushandiswa kukoroji, asi dzinogonawo kushandiswa kuti dzishandise mari dzinoshandiswa pamakore ekutanga uye kuchikoro chesekondari zvakare
- ESA zvirongwa zvakanaka asi hazvina kukwana zvose pachavo nokuda kwezvirongwa zvakawanda zvekuchengetedza kojijiji.
Roth IRA
IRoth IRA inonyanya kubhadhara mari yekubata mari, asi mari inogona kushandiswa pakudzidzisa mari yeIRA, mudzimai kana vana. Mipiro yeRoth IRA, yakafanana neESA, haisi yemitero inobviswa, asi zvose zvinowanikwa zvakawanikwa pasina mutero. Iwe unogona kuwedzera kusvika ku $ 4,000 pagore muRoth IRA. Zvakare, iwe unoda kushandisa Roth pamwe chete nezvimwe zvirongwa.
Regular Savings
Vabereki vakawanda vanogadzira nyaya yekuchengetedza nguva dzose pamabhanki avo kana chikwereti chekambani yekuchengetedza korojiji. Iyi ndiyo nzira yakajeka chaizvo sezvo pasina mhedzisiro yekuti mari inoshandiswa sei. Asi nekugadzirisa ikoko kunouya kusakosha kwemhando ipi zvayo yemitero.
Painless Savings
Kune huwandu hwamapurogiramu anowanikwa iye zvino anokubvumira kuwana zvikwereti zvekutenga kwaunoita pane yako kadhi rechikwereti kana mune dzimwe nzira dzinowedzera kuchengetedza kwekoroji. Inonyanyozivikanwa yezvirongwa izvi inosanganisira:
- BabyMint . Apo iwe unobata BabyMint, unogamuchira zvikwereti kubva kuBabyMint affiliated retailers uye kuputsika pakushandisa MBNA BabyMint kadhi rechikwereti.
- Kunyoresa Sezvinoita BabyMint, apo iwe unyoresa kuPromise uye kushandisa kadhi rako rechikwereti kune vashambadzi vakasarudzwa, zvikwereti zvinogona kushandiswa kune 529 chirongwa chekuchengetedza chikoro.
Summary
Chikamu chakakosha chekuponesa kwunivhesiti chiri kugadzirisa chinangwa chako uye kuronga kuchibudirira. Nokuona kutarisa kwezvinhu zvekutsvaga mari yako yekoroji uye kuratidza kuenzanisa pakati pekubhadhara mari nekuchengetedza zvidzidzo, unogona kugadzirira nguva iyo mwana wako akapinda mujiji uye anotanga kugadzirira kwake dzidzo inobatsira uye basa.