Kugadzirira Mutengo Wekugara Wakawanda weKolishi Tuition
Saka chii chave mubereki mubereki? Nenzira imwe chete yaunofanira kutanga kuponesa nokuda kwekurega kwako mumakore ekuma20 , iwe unofanira kutanga uchengetedza chikoro chemwana wako nokukurumidza kupfuura mberi kana kubhadhara dzidzo yepamusoro yavo ndeimwe yezvinangwa zvako zvemari.
Heano nhanho shanu dziri nyore kuti utange pakugadzirisa dzidzo yekoroji yemwana wako.
1. Tanga Iye zvino!
Nokukurumidza iwe unotanga kutenga mari yekudzidzisa mwana wako, zviri nani. Sezvimwe chero chinangwa chekutsvaga, nguva uye kuwedzerwa kufarira ndeye shamwari yako yepamusoro uye mari inokosha. Pakutanga iwe unotanga kugara uchiponesa, zvishoma iwe unoda kuchengetedza munguva refu.
Tarisa bhajeti yako kuti uone kuti iwe unogona kupa mari yakawanda sei kukoji. Kunyange kana iri $ 50 chete pamwedzi, iyi ndiyo kutanga uye sezvo mari yako inokura kana mari inoderera, iwe unogona kukura mari yako yekuwana. Uye kana iwe usingakwanisi kuchengetedza chero chinhu chingave zvakadaro, svika kune vanasekuru navanasekuru kuti uone kana vangave vachifarira kupa mwana wenyu chikoro chemari yekudzidzisa yekoroji kutanga.
2. Iva neChirongwa
Nhanho yekutanga mukugadzira hurongwa hwekuchengetedza kojiji ndeyekufungidzira kuti mari yakadini yekudzidziswa kwevana vako inogona kuva.
Ivhareji mu-state tuition uye chikwereti chakakwana chechikoro chemakore mana chinouya kusvika pasi pe $ 10 000 pagore ra20177-18. Pakati pa5 kubva muzana kubva mukutengesa kwegore negore, mari inofungidzirwa gore rimwe nerimwe makore gumi nemana kubva ikozvino inenge iine madhora mazana maviri nemaviri (makore gumi kubva ikozvino mari inenge iri madhora 16 000). Zvikoro zvakavigwa zvinogona kuva zviviri kusvika katatu zvinodhura.
Usarega nhamba idzi dzichitya iwe kuti iwe usingaiti. Dzimwe dzidzo yemwana wako inogona kubhadharwa kuburikidza nekubhadhara mari , rubatsiro rwemari , zvipo uye mari yevadzidzi vega . Kunyange kana iwe uri pfupi pane chinangwa chako ikozvino, zvinoita kuti uchengetedze zvimwe zvacho kana iwe ukatanga mangwanani, shingairira nguva dzose, uye shandisa mari zvakanaka. Zvechokwadi, haufaniri kuronga kuti zvikamu zana zvezana zvemwana wako zvidzidzo kana iyo isiri iyo chinangwa chako. Kuti uitange pane chirongwa, unogona kutarisa zvishandiso zvekushanda paIndaneti seSavingforCollege.com yekoroji yekuchengetedza calculator.
3. Chengetedza kazhinji uye nguva dzose
Kuti uwane mari yakakwana yekubhadhara makore mana ekoroji, iwe haufaniri kungotanga kuponesa kare asi unowedzera mari nekutsvaga. Panzvimbo pokutsvaga mari yegore rimwe nerimwe, funga kupa mari shoma mwedzi woga woga kushandisa mari inodhura mari yekushandisa uye nzira yakawanda inofarira , semwedzi wese unoverenga.
Imwe nzira inoshandiswa ndeyokutarisa mberi-kutakura kambani yemwana wako kana uri kuchengeta muurongwa we 529. (Zvimwe kune avo vari pasi apa.) Kutangira-kukwanisa kunokubvumira kuti uite zvipo zvemakore mashanu ekubhadhara keroji yekuchengetedza kereke panzvimbo yemwana wako. Zvose zvezvipo izvi hazvikwanisi kupfuudza mutero wepo wegore negore kusabviswa kwemakore mashanu emakore.
4. Iva Nokuchenjera
Chinhu chakanyanya kuipa kudarika kusaponesa zvachose kuisa mari yako mubhuku rekuchengetedza mabhuku kana rekemari yemari yemari. Mukutaura kwezvikwata zvekutsvaga mari, mari yemari yezvakaitika kare inenge yakagara ichipfuura mamwe mazvikwereti kune makore gumi kana kupfuura. Tarisa hapana-mutoro (pasina mari yekutenga kana kutengesa) mutengo wemari kana mari yekutengeserana-yekutengeserana kwekusiyana-siyana nezvishoma mari.
Asi, usangovhara mari yako muhomwe kana maviri ugoisiya. Kudzokorora kushanda kwemari zvishoma gore negore, uye kugadzirisa sezvinodiwa pakuita mari pasi pekuita. Chimwe chezvibatsiro zvekushanda nemari wezvigadziro ndeyekuti haasi kungopa mazano kune chirongwa chako chekuchengetedza, asi anogonawo kutarisira nekucherechedza kushandiswa kwemari uye kutumira zvinyorwa zvesekota. Kana iwe uri kutarisira mari yako pachako, iva nechokwadi chekuti iwe unofunga kuti nguva yawakasiya inofanira kudyara.
Somuenzaniso, kana mwana wako ari makore mashanu kubva pakunivhesiti, ingangodaro nguva yekutanga kuchinja mari yako mukukura uye mari yekushambadzira mari uye mari yezvisungo, kuderedza kusvibiswa kwako kumakambani ekutengesa uye pasi apo uchiri kutsvaga kudzoka kwakakwirira.
Makore maviri kusvika mana vana vako vasati vatanga kutanga kojiji, mari mumatokari akakwana uye zvisungo zvekubhadhara gore rokutanga, uye kuisa kune imwe nzvimbo yakachengeteka uye inosvikika, semari yemari yemari. Kana iwe ukamirira kusvikira usati watoda mari yacho, unogona kumanikidzwa kuitora panguva apo marciti inoshanda pasi, nokudaro kurasikirwa nezvimwe zvaunowana.
5. Ziva Zvaunogona Kuita Nokusarudza Zvokushandisa
Paunenge uchiedza kuuya nemari yekudzidzisa kwekoroji yemwana wako, kusanganiswa kwemotokari yezvikwata uye nzira dzekubhadhara mari zvingangodaro zvinoshanda zvakanaka. Iva nechokwadi chekushandisa zvinoshandiswa kune chero mutero-deductible kana kuti mitero-yakasarudzwa nzira dzaunokodzera. Zvimwe zvezvakanakisa zvekutsvaga mari yekugoreji zvinosanganisira:
- Roth IRA: Kana iwe uine 59½ kana mwana wako ari kureji, Roth IRA inogona kunge iri motokari yemotokari inokwezva, nokuti inotora zvikwereti ichakura musingabhadhara mutero uye kuregera zvichange kusingabhadhara mutero (uchifunga kuti wakava neaka kwemakore mashanu). Iwe unogona kutora kusvika ku $ 10 000 mutero- uye chirango chisina makore makumi matanhatu nemashanu, chero bedzi mari inoshandiswa pakudzidza mari yekudzidzira .
- Chikoro Chekuchengetedza Chikoro Chekudzidzisa (iyo yaimbozivikanwa seIrasi IRA): Kunyange zvazvo zvipo kuCoverdell ESA zvisingabhadhara mutero (zvinoreva iwe unofanira kubhadhara mitero pamari iye zvino), kukosha kwezvikwereti kuchakura musingabhadhara mutero uye kugoverwa kubva kwekambani mutero usingabhadhari kana uchishandiswa pakudzidza mari yekubhadhara kune munhu akazvigamuchira. Chinonyanya kukosha kuCoverdell ESAs ndechekuti kune muganhu wakaderera we $ 2,000 pamipiro yegore negore uye mhuri dzine mari yakawanda yakarongeka (AGI) pamusoro pemuganhu haigone kutora chikamu. Kana imwe nguva mwana wako akatendeuka 18, haugone kuita mishandira mitsva purogiramu. Vose Coverdell ESA kuchengetedza inofanira kushandiswa mwana wako asati atendeuka makumi matatu; kana zvakadaro, iwe uchabhadhara mutero wakaomesa mutero pane imwe yero yakasara.
- State College Savings Plans (529 Plans): 529 zvirongwa zvinokupa mukana wekuwana mari yekutengesera pamakoroji ekuchengetedza iwe usingadikanwi kwemakore akawanda. Mipiro inokura mutero-inoderedzwa kusvikira mari inoshandiswa kuribhadhara yekoroji, zvino mari inobhadharwa inobhadharwa pamutero wevadzidzi, imwe yekubatsira kunofadza sezvo mutero wemutero wevadzidzi inowanzoperera kupfuura mubereki wavo. Kana mari isingashandiswi nemari yepamusoro yezvidzidzo, zvisinei, zvinogona kuva nechikwereti che 10% kusvika kune 15% yezvawakawana mari kana 1% yebhadhaji yekambani. Saka unoda kuva nechokwadi kuti usapedza-kuponesa 529 Plan. Kune dzimwe nyika zvirongwa 529 zvepurogiramu, pane zvakanyanya kusina muganhu wekupera wegore negore asi zvirongwa izvi zvine mupiro wemugove weupenyu. Muganhu unopesana neurongwa.
- Zvirongwa Zvokutanga Zvokubhadhara Zvidzidzo : Zvirongwa izvi ndezveimwe rudzi rweurongwa hwe 529, asi kusiyana nemapurogiramu 529, hurumende inotora dambudziko guru muurongwa hwekubhadharwa . Aya mazano ehurumende anonyanya kukoshesa semakorojiji emitengo yevhigiriji ari kuwedzera kusvika 10% pagore. Asi vanouya nezvimwe zvipingamupinyi zvikuru. Chokutanga ndechokuti mari inotengeswa inogona kungoshandiswa chete pakudzidza uye pamari (kwete nzvimbo uye bhizimusi kana zvimwe zvinoshandiswa) mumasunivhesiti ehurumende. Kushandisa mari kune chimwe chinangwa kana kojiji kuchaguma nekubhadhara chirango. Chechipiri, mapurogiramu akabhadhara asati abhadhara anogadzirisa kukura kwako kusvika kuhuwandu hwekorosi yekorosi yedzidzo inowedzera munharaunda yako. Saka kana chikoro chinowedzera huripo kubva pa4 kusvika ku5%, zvirongwa izvi hazvisi zvekare zvinotyisa zvekubhadhara dzidzo yekoroji.
Kana iwe ukatanga mangwanani, ziva nzira dzako dzekutsvaga motokari, kutanga urongwa, uye kuisa mari nekuchenjera uye nguva dzose, zvinokwanisika kubhadhara kune vamwe kana kuti yevana vako vose vekudzidzisa kwekoroji.