Top 10 Chikoro Kuronga Zvikanganiso Zvakaitwa Nevabereki

by Ken Clark

01 Kusimudza Mhuri Yako Yakatarisirwa Kupa (EFC)

Nekunyanya kudhindwa kwevhepfenyuro sekugadzirira kwekorogi inogamuchira kune dzimwe mhando dzekugadzirisa zvemari, hazvishamisi kuti vabereki vari kuita zvikanganiso zvakasara uye zvakarurama. Zvinosuruvarisa, neine nguva shomanana pakati pokuzvarwa kwomwana uye kutanga kwekoroji, pane nguva shoma shoma yekudzoka kubva kumakoronga ekugadzirira kwekoljiji.

Kunyangwe iwe wakangova nemwana wako wokutanga kana kuti huru yekushandisa yekoroji inguva makore mashomanana kure, hazvina kumbobvira yakanonoka kuva nechokwadi chokuti uri munzira yakarurama. Ichokwadi kuti ichange iine huchenjeri hwakanaka munguva yako kuti uongorore zvirongwa zvako zvezvino kurwisana nemutauro wangu weTop 10 College Planning Mistakes.

Kurera EFC Yako

Zvinotarisirwa Mhuri Kupa (EFC) chikamu chemari yemhuri yako uye zvinhu zvaunotarisirwa kuti upedzisire mune chero ipi zvayo gore risati rasvika rubatsiro rwemari rusati rwasvika mukati. Chaizvoizvo, rubatsiro rwemari runongobhadhara mari yakasara kumusoro uye kupfuura EFC yako.

Nezvo zvisinganzwisisi kuedza nekuita mari shoma yekugamuchira mari yakawanda yekubatsira, zvinonzwisisika kuve nechokwadi chekuti mari yako yekuchengetwa kwemwana yakanyorwa zvakakodzera. Semuenzaniso, 20 muzana yezvinhu mumabhuku akanyorwa nemwana (zvakadai seGMA kana maUTMA accounts ) anotarisirwa kushandiswa gore negore kunotora mari yekoroji. Zvisinei, 5.64 muzana chete yezvinhu zvakachengetwa muzita remubereki zvinotarisirwa kushandiswa. Kunyange zviri nani, hapana chimwe chezvinhu zvaiva nekurukurukuru chinotarisirwa kushandiswa kumwana (sezvo pasina nzvimbo yekureva izvi pane fomu yeF FAFSA ).

02 Kwete Kutarisa Nguva Yako Horizon

Kusiyana nehupfumi hwehupfumi, iyo vanhu vakawanda vanozotora zvishoma nezvishoma makore makumi maviri nemakumi mana, unogona kutarisira kushandisa kero yako yekuchengetedza kojiji pamusoro pehwindo regore re2-4. Izvi zvinoreva, kuti kusiyana nekodha rako rekubvisa mari, iwe hauna rusununguko rwekukwira kunze kwechikafu chechidiki mumisika yekutsvaga.

Kunyange zvazvo zvikwereti zvepamusoro zvinowanikwa zvakanaka zvinogona kugamuchirwa kana wava nemakore gumi kana kupfuura zvakasara kusvikira mari ichidiwa, sezvo iwe ukaswedera pedyo chaizvoizvo uchida kubvisa mari , unofanira kufungidzira kuenda kune zvishoma zvishoma. Kubudiswa kwekupedzisira kwevhesi-yakagadzirika nhoroondo muChitsauko 529 zvirongwa zvakagadzirisa izvi nekugadzirisa uye inosarudzo huru kuvabereki vane nguva shoma kana ruzivo rwekutsvaga.

03 Kusatora Zvidzidzo Zvako Zvemitemo Kudzidzisa

Mamwe emitero yakawanda inobhadhara mitero inowanika kusvika pakati pekirasi yeAmerica inotarisirwa kukorodzano yekugadzira. Izvo zvikomborero, zvinogona kuuya nemukana wekutora mutero kana mutero wechikwereti , zvinogona kukuchengetedza mazana emadhora ekubhadhara chikoro chekoroji kana kubhadhara chikamu chenyika yako Chikamu 529 .

Zvichida hurukuro huru yemitero inoramba isingashandiswi ndeye Hope Scholarship uye Lifetime Learning Credit , iyo yose inogona kuisa $ 1,500-2,000 madhora muhomwe yako panguva yemitero. Zvinosuruvarisa kuti vabereki vakawanda havazivi zvachose vanogona kutaurira zvikomborero izvi.

04 Kusashandisa Maridzo yevadzidzi

Vabereki vakawanda vanoona chikwereti chevadzidzi sechiratidzo chinonyadzisa chokuti vanokundikana kutenga mari yakakwana kana kuti havana kuita basa rakanaka rekuchengeta izvo zvavaiva nazvo. Kunyange zvazvo izvi zvingave zvakadaro, zvakakosha kuziva kuti kukoreshi mari inokura nokukurumidza kupfuura vazhinji veAmerica vanogona kuchengeta. Kushandisa zvakakodzera kodzero yeGurumende yevadzidzi mari yechikwata inogona kubatsira vabereki nevadzidzi mari yekudzidzira yekoroji kune yakaderera se 3.40 muzana gore negore.

Kana iwe uchifunga kana iwe uchazopedzisira wakwereta mari kuburikidza nepurogiramu yakafanana neHouseord kana PLUS zvikwereti , zvichiri kukosha kuzadza fomu yeFaFSA . Iyi ndiyo fomu inokosha inoshandiswa nehosi zhinji yefisi yebazi rekubhadhara mari kuti uone kuti iwe unogona kukodzera. Sezvo kutaura kwekare kunoti, "chakanyanya kuitika ndechokuti vanoti 'kwete'!"

05 Kuwedzera maitiro emigumisiro

Kusvikira iwe unonzwisisa kuti nokukurumidza mari yekoroji iri kukura kunze kwekutonga , zvakaoma kuita basa rakakwana rekugadzirira kwekoroji. Nepo "yakawanda yehupenyu" yakawedzera kana "yakakanganiswa" pane imwe nhoroondo yepamusoro ye 2 muzana gore negore, mari yekoroji inowedzera kuwedzera 5-6 kubva pagore. Izvozvo zvinoreva kuti mari yekoroji inokura katatu nokukurumidza sezvimwe zveupenyu humwe, uye zvichida katatu nokukurumidza sekubhadhara kwako.

Kunzwisisa kukodzera kusarudzwa kwekutsvaga uye kushandiswa kwekambani dzinoshandiswa mukurwisana nekutengesa kwezvinhu, zvakadai sezvirongwa zvekubhadhara mari dzepamberi , zvakakosha kuve nechokwadi kuti dzidzo yekoroji inogara mune zvinganzwisisika.

06 Kuwana Too Fancy Nezvikwereti Zvako

Handizivi kuti chii pamusoro pedu (kunyanya varume) kuti tinomanikidza kupesana nekufamba kwezvinhu. Asi, kune mhuri gumi neimwe ndinoita yekorogi nekuronga, kune mumwe anoomerera pamari dzisiri dzetsika dzekambani yekoroji yevana vavo. Kwemakore, ndakaona zvinhu zvose kubva kune vanhu vanodyara matanda kuti vakohwe kana mwana wavo achienda kukoroji kune mumwe munhu ari kuedza kukona pamusika pane imwe kadhi yebhobhoki yebhobhoki.

Musandiita zvakaipa. Izvi zvingave zvinonakidza uye zvikwereti zvakasiyana-siyana apo chikamu chekuwedzera kwekusimba kwekusimudzira mari, asi haisi nzvimbo yekubhadhara mari yevana vako. Kunze kwekuti vazhinji vezvikwereti izvi vanorasikirwa nemitero-inobatsira kune dzimwe nhoroondo dzekoroji dzinonakidzwa, dzinoitawo sedzoti dzinodzoka kakawanda sekuti kwete.

Uine makore mashoma makumi maviri kusvikira iwe uchida mari yako yekoroji, tanidza neakarurama uye yakamanikana. Sarudza mazai ari nyore kuti basa riite; kudzivisa zvikwereti zvisingamborevi kuti urongwa hwokugadzirira .

07 Kusarudza Mazvikwereti NeHurumende Yepamusoro Yegore

Zvinosuruvarisa, mari nezvikwereti zvemari zhinji pamwe chete uye zvirongwa zveChikamu 529 zvinoratidzika kuti zvinoda chikoro chepamusoro chematunhu kunzwisisa. Kunyange zvazvo zvingave zvichiedza kuisa pfungwa iyi pane urongwa hwokukoroji, kuve nechokwadi chekuti mari yako inodhura-yakakosha inokosha pakuvimbisa kukura kwenguva refu.

Kunyange zvazvo zvingasaita seine simba guru, chikamu chechipiri kubva muzana mubhadharo chinogona kuderedza kukosha kwepodfolio yemapurisa kusvika kusvika ku50 muzana pane makore makumi maviri. Mari dzinodhura, kunyange pamushumoti unoita zvakanaka, unogona kuwedzera zvikuru mari yauchafanira kuchengetedza kuti uwane zvinangwa zvako zvekugadzirira kojiji.

08 Husingashandisi Chikoro Chekuchengetedza Chikoro

Iwe unokwanisa kuisa pachena chero chero rudzi rwebhuku, kubva pakero yekuongororwa pabhangi yako kuenda kuRoth IRA , senhoroondo yekoroji yemwana wako. Zvinosuruvarisa asi, kwete dzose dzezvikwereti izvi zvakasikwa zvakaenzana. Iyo chaiyo iyo mutual fund inotengwa mune imwe gwaro rekambani inogona kuendeswa kune mutero mukuru kupfuura iyo iyo inotengwa mune imwe nhoroondo. Saizvozvowo, imwe nhoroondo inogona kukuvadza mukana wako wekubatsira mari mari 4-5 pane imwe kupfuura imwe.

Nhanho yekutanga pakusarudza koroji yekoroti yakarurama ndeyokuita kuti izwi rako riiswe pasi. Iwe unofanirwa kuziva kuti nhoroondo dzakasiyana dzipi uye zvidzidzo zvadzo.

Kuti uite kuti utange, unofanira kuongorora mapeji edu ehafu yenhambadzi huru dzekoroji. Kana iwe wakasimba pane imwe nguva, svetera mberi kwenyaya yangu pamusoro pokusarudza yakanakisisa nhoroondo yekoroji yemhuri yako.

09 Kushandisa Mari Yenyu Yekubhadharwa Kubhadhara Chikoro

Chechipiri chinotambudza kukoraji kukanganisa kukanganisa vabereki vakawanda vanoita, vari kushandisa mari yavo iripo yekurasira mari yekubhadhara yekoroji. Mune mamwe mazwi, vabereki vakawanda vanotora kugovera kana kukwereta kubva kune 401k yekambani kana imwe hurongwa hwekurega basa, kazhinji kudzivisa kutora chikwereti chevadzidzi. Kuwedzera kutuka kukuvadzwa, vabereki vakawanda vanokundikana kupfuurira kuponesa mune 401k kana IRA yavo munguva yemakorejiji.

Chii chinoita kuti kukanganisa uku kuve kwakakura ndeyekuti vabereki vakawanda vanoita izvi pane imwe nguva pakati pemakore makumi mana nemakumi matanhatu. Izvozvo zvinosara nguva shoma shomanana yekuita mari yakasara mari isati yarega kubhadhara mari kune amai nababa. Kune vabereki vazhinji, havazivi kusvikira zvanyanyisa, izvo zvinokwereta kurambidzwa kwavo zvekare zvinopedzisira zvichiita makore mashanu kusvika ku10!

Kana iwe ukazviwana iwe uri mufambo nechisarudzo chokurwisa urongwa hwako hwokurega basa, ingoyeuka izvi zvakashata zveuchenjeri: Uchagara uine nguva iri nyore kuwana chikwereti chevadzidzi kupfuura chikwereti chekurega mari!

10 Inonyanya Kupinda Chikoro Chekugadzira Mistake: Kuzvipira

Pari kure, iyo huru yekorogi yekuronga chivi iwe unogona kuzviita, ndeyokudzivisa. Kubva pazuva rawakaberekerwa mwana wako, une makore gumi nemasere kusvikira iwe uchida kuuya nemamwe mari makuru. Gore roga roga iwe unomirira kusangana nechocho chokwadi chinokwidza iwe kunze kwemari yehomwe zvakanyanya.

Chinokosha zvikuru chekutanga, chimwe chaunofanira kutanga nhasi, chiri kuverenga kuti mari yako yemberi ichave iri. Izvi zvichakubvumira kuti uverenge zvaunoda kuchengetedza gore roga roga kuti uende kune icho chinangwa.

Iye zvino musandiita zvakaipa. Kungofanana nekoroji yekuchengetedza calculator inokuudza kuti iwe unoda kuchengetedza $ 250 pamwedzi haireve kuti unofanirwa kuzviita kana kuti kwete. Asi, nokuziva nhamba, iwe unoramba uchiziva kuti madhora ose anoshandiswa sei. Kunyangwe iwe ungangokwanisa chete kuchengetedza $ 100 pamwedzi, uchiziva nhamba yako yekutsva ichakubatsira iwe kuva akachenjera nemari yakawanda paunosangana naro.

Enda kushanho redu-ne-nhanho ekoroji yekuvharavha yekutora uye tsvaga kuti nhamba yako inorevei.