Sarudza Chinangwa Chakanaka Kwauri, Zvino Tanga!
Kana zvasvika pakubhadhara koreji, yekutanga iwe unotanga, zviri nani. Asi kutanga kunogona kunge kunopisa. Mari yekoroji inokura-inotarisirwa kuwedzera kaviri mumakore gumi anotevera-uye kune vazhinji vezvimwe zvisingazivikanwi kuti vatarirwe. Yunivhesiti yavose kana yega yega Mu-mamiriro ezvinhu kana kunze kwehurumende? Ko mwana wenyu achawana zvidzidzo here? Zvakadini nechechi yechikoro?
Nenzira, iwe haufaniri kuziva mhinduro dzemibvunzo iyi yose kuti utange kuponesa.
Heano maitiro mashomanana emagariro anobatsira ekugadzirisa kuwanda kwekuchengetedza kukoreji.
1. Sarudza Chinangwa Chokupedzisira
Imwe yenzira dzakawanda dzekugadzirisa chinangwa chekuchengetedza yakavakirwa pamari yekufungidzirwa yekoroji. Inobatsira kutanga nekushandisa imwe yevashanduri kunze uko kuti ikubatsire kuenzanisa mari yekoroji yemwana wako, zvichienderana nezvinhu zvakadai sezera remwana wako, rudzi rwechikoro unotarisira kuti mwana wako aende, uye inotarisirwa kukura mumutengo yejijiji. Iwe unofanirwawo kufunga kana pane imwe chikoro chaunenge waziva kuti mwana wako anoda kupinda.
Kutora chisimbiso chiduku here? Mashoko akanaka ndeokuti, kunyange iwe uri kuponesa kune-muhurumende, kunze kwe-state, kana kuti uri woga, haufaniri kuronga mari yose.
Vakuru vezano vezvemari panzvimbo ino vanorayira kuchengetedza chikamu chetatu chemari yekoroji, uye tarisiro yokuti vamwe vose vachauya vachibva mune rubatsiro rwemari, kudzidzira, uye mubereki iye zvino uye / kana mudzidzi wepfuma (semuenzaniso, basa rokudzidza).
Izvi zvinogona kuita kuti chinangwa chekuchengetedza kwekoroji chinzwe sechinhu chaicho uye chinobudirira.
Ngatitaure somuenzaniso, kuti mwana wako akaberekwa muna 2017 uye wakagadzirira kutanga kuponesa ikozvino (zvakanaka kwauri!) Kuti ubhadhara ⅓ yemari inofungidzirwa yekoroji, chinangwa chako chekupedzisira chinogona kuva $ 73,700 kuti state yunivhesiti, $ 116,800 nokuda kwechikoro chevanhu, kunze kwechikoro, uye $ 145,100 yekoroji yega yega.
2. Ronga Mutemo Wemwedzi Unoenderana Nezvaunogona Kuita
Hazvisi nyore here kufungidzira kuguma kwechinangwa, makore kubva zvino? Chimbofunga uchichidzorera zvakare kumwedzi wemupiro wemari. Ingoyeuka kuti iwe waunoponesa huchaita hukuru hukuru hwehuwandu hwehupi hunochengetedza panguva iyo mwana wako atanga chikoro.
Nyanzvi dzakawanda dzinokurudzira kushandisa chirongwa chekugadzira chikoro chemakore makumi mashanu nemakumi mashanu nemakumi mashanu , iyo yeruzhinji-inobhadhara mari yekuisa mari iyo inoshanda seRoth IRA yekoroji. Chirongwa cha 529 chinopa kukura kwekusabhadhara mutero uye kutora mari yepamusoro yepamusoro yezvidzidzo zvemari, izvo zvinosanganisira kudzidzira uye mari, mukana & bhodhi, mabhuku, makombiyuta, uye dzidzo yepamusoro yemari.
Izvi zvinorevei kwauri? Kusarudza hurongwa 529 kunogona kureva mupiro wepasi pamwedzi, sezvo mari inokura kupfuura nguva. Neurongwa we 529, zvipo zvakakurudzirwa zvemwedzi zvekuzvarwa kwakaberekwa muna 2017 zvaizova madhora 165 ehurumende mu-state school, $ 260 yevanhu kunze kwenyika, kana $ 325 yeyunivhesiti yega yega.
Kana iwe uchida kuchengetedza uchishandisa gwaro rekuchengetwa kwekodha kana yekodha yemari yekutsvaga, iwe unoda kugadzirisa mupiro wako wegore negore zvakakodzera. Semuenzaniso, mavhareji anowanikwa zvinodikanwa muzinga rekuchengetera zvikwereti ndeye 0.06 muzana APY.
Pamutengo iwoyo, munhoroondo yekuchengetedza, iwe unoda kupa mari inenge $ 300 pamwedzi kwemakore gumi nemasere ekubhadhara kwemapiro matatu ekufungidzirwa kwemari yevanhu vose, mu-koreji yekoroji, inenge madhora mazana mashanu ekunze kwenyika, uye akapoteredza $ 600 pamwedzi yeunivhesiti yega yega.
Inosvika kaviri mari inoda kuenzaniswa neyo 529 !
Kushandisa taxed yekutsinhanisa mari inogona kubhadhara zvakajeka zvinyorwa zviripo pane mari yako. Nekavhareji 7 kubva muzana inodzoka, mupiro wegore negore we $ madhora mazana mana unozoona mari inofungidzirwa yehuruzhinji mu-state yunivhesiti, $ 300 yekunze-kwenyika, kana nezve $ 390 yekoroji yega yega. Zvisinei, iwe uchanonoka pane hurongwa hwehupfumi hwepurogiramu 529 pane zvikamu uye zvikamu.
3. Sarudza Kubva pane Zvaunogona Kuita
Pakupedzisira, iwe unokwanisa kugadzirisa chinangwa chekupedza mwedzi wega yegajiji kubva pane izvo mhuri yako inogona kuwana. Iyi ndiyo nzira yakanaka kana pasina nzvimbo yakawanda inowanikwa mubhajethi yako.
Zvechokwadi, chii chinogona kutengesa chichasiyana zvikuru kubva kune imwe mhuri kuenda kune inotevera. Kana iwe usingazivi kuti chii chinogona kuitika kumhuri yako, edza kuchityora pasi uchishandisa Lumina Foundation Rule ye 10 fomu.
Kunyange zvazvo pakutanga zvakarongerwa sechinangwa chevashandi vekutsvaga kuwedzera kukwanisa kuenda kuchikoro chepamusoro, chirevo chacho chinogona kushandiswa nemhuri. Iyi nzira inokurudzira kuti mhuri dzibhadherereji yekoroji kuburikidza nezviratidzo:
- Mhuri ichengetedze 10 muzana yemari yavo yekuziva;
- Mhuri dzinoponesa kwemakore gumi; and
- Vadzidzi vanobata maawa 10 pavhiki vachienda kuchikoroji.
Discretionary mari inowanzorondedzerwa sezvese mushure mekubhadhara mari, kubvisa zvose zvishoma zvishoma zvekudya zvakadai sekudya, mishonga, dzimba, zvishandiso, inshuwarisi, kutfambisa, nezvimwewo.
Iyo Lumina Foundation inotaura kuti nokuda kwezvinangwa izvi, chero mari inopfuura 200 muzana yehurumende yehurombo huri "discretionary." Kune mhuri ye4 muna 2017, iyo inenge iri mari inosvika $ 49,200.
Kutevera urongwa uhwu, mhuri inenge inokwana $ 100,000 pagore inogona kuchengetedza 10 muzana yemadhora 50,800, kana $ 423 pamwedzi. Kwemakore gumi, iyo inoda kusvika $ 51,000 yakachengetwa yekoroji. Newe mudzidzi ari kushanda maawa 10 pavhiki kwevhiki makumi mashanu pagore panhasi $ 7.25 mubhadharo wakaderera, iyo imwezve $ 3 625, pamubhadharo we $ 14,500 kupfuura makore mana.
Zvechokwadi, kana mari yako inowedzera kana ichiderera, zvipo zvako zvinogona kugadziriswa zvakakodzera. Uye iwe unogona kugara uchiita kuti nzira iyi ienderere mberi uchishandisa mutero unobhadhara-mari yakakosha kuti uwedzere mari yako munguva.
Somuenzaniso, kana mhuri ine mwana wemakore gumi nemana yakatanga kuchengetedza $ 423 mwedzi muurongwa hwekuchengetedza 529, iyo mari inogona kukura kusvika $ 75,300 mumakore gumi. Izvi zvingava zvakakwana kuvhara ⅓ yemari iyo nyanzvi dzinokurudzira kuti vanhu vese-out-of-state chikoro, kana nezve ½ mari yeyunivhesiti yenyika.
Mifungo Yokupedzisira
Nezvo zviri nyore kuwana chikwata chinotyisa kubva pakuzara kwekoroji yekoroji, yeuka kuti mari yaunoda kuchengetedza inogona kunge yakaderera.
Chinhu chinokosha ndechokutanga nokukurumidza sezvinobvira, uye kuenderana nekuchengetedza. Zvisinei, kana mwana wako akwegura, usatya-iwe unogona kuchengetedza chikamu chikuru munguva shoma shoma.
Kubatsira mune zvemari, kudzidzira, basa revadzidzi, mari yaunowana apo mwana wako ari kuenda kurejiji, uye mipiro inobva kumhuri inogona kubatsira vose kuita mamwe ose.