Ukubaluleka kokubekela uhlelo lwemfundo ngesikhathi

SITSHALA NONGUBENI WEZIMALI

IMFUNDO ephakeme iyabiza kakhulu. Kubazali abaningi abakhokhela izingane zabo izindleko zemfundo ephakeme ngezinye zezindleko ezisemqoka nezomhlalaphansi. Ngabe uyayonga imali? uma uqala ukukhokhela imfundo yamabanga aphezulu, inani layo lingakwethusa, yingakho kusemqoka ukuba nohlelo kusenesikhathi.

Ukubhekana nalezi ndleko, udinga uhlelo oluzobhekana ngqo nazo. Abazali bangakwazi ukumelana nezindleko zemfundo ephakeme ngendlela ehlelekile. Lokhu ungakwenza kalula.

Ngabe kunesikole okanye inyuvesi ofuna umntwana wakho afunde kuyo?

Iningi labazali livamise ukuba nephupho lokuba ingane ifunde esikoleni esisezingeni eliphezulu. Okanye usunqume ukuba ingane yakho iye kofunda ezikoleni ezizimele la kufunde khona osaziwayo nabadla izambane likapondo. Leso sinqumo besingakubiza imali cishe elinganiselwa ku-R235 960, okuyisibonelo esiphakeme kakhulu. Ungalahli ithemba ngoba izibalo zakamuva azidumazi. Ukuthi umntwana wakho uzofunda kusiphi isikhungo kulele ekutheni ungakwazi ukubeka imali engakanani nyanga zonke kuze kube uyafinyelela esikalini sakho sezimali. Uma intengo yemfundo iphezulu, lokhu kusho ukuthi nemali okumele uyilondoloze izoba kanjalo nesikhathi esizokuthatha ukufinyelela kwisikalo sakho sezimali ngemfundo yomtwana wakho.

Unolwazi ngezinye zezindleko eziza nokufunda kumabanga aphezulu? Iphutha elikhulu kunawo wonke esilenzayo ngokulondoloza imali yemfundo ukuthi asifaki izindleko zansuku zonke eziba ingxenye yemali edingekayo uma ingane seyingenile enyuvesi noma esikoleni. Asibali ukuthi kudingekala izincwadi, ubuchwepheshe, umfaniswano, izindleko zokufinyelela esikoleni, ukudla, indawo yokuhlala uma ingane yakho isenyuvesi.

Isibalo onaso kungenzeka singeneli. Ubuwazi ukuthi namuhla, indawo yokuhlala ingabiza cishe R2 500 ngenyanga kanti izindawo ezinikezela ngendawo zokuhlala ziphinde ziphekele abafundi emanyuvesi, zibiza cishe u-R53 873 60 ngonyaka? Ukukhokha leyo mali iminyaka emine, kungadingaka ukuba wonge imali eningi kusukela umntwana ezalwa aze abe neminyaka engu-21.

Usebenzise uhlelo okuyilo ukutshala imali?

Abatshalimali abaningi abanalo ulwazi lokukhetha uhlelo olulungele izidingo zabo. Baye baqoke umeluleki wezezimali ukuba abathathele leso sinqumo. Iningi lamakhasimende ethu atshale imali kumaendowment policy njengohlelo lokulondolozela imfundo.

I-Endowment policy ihlomulisa abahola imali entela engu-30% njengokwentela ekhokhwa amabhizinisi (ngokonyaka wentela ka-2016/17).

Ziningi izindlela zokongela imfundo ezikhona:

Ama- unit trust: Lolu hlelo lokonga imali luyakuvumela ukuba wonge imali ezindaweni ezahlukene ngenani eliphansi

I-tax-free account: Wuhlelo olukuvumela ukuba wonge ngaphandle kokukhokha intela

I-Endowment: Lena ivumela ukuba abakhokha intela ephezulu bonge ekukhokheni intela esikhathini esizayo lunomhlomulo uma kuyiwa ekuhleleni ezamafa.

Ngabe unolwazi ngenzuzo oyidingayo ukuze ufinyelele kwisimiso sakho?

Uhlelo lwakho kumele luhambisane nesikalo senzuzo ozoyithola ngokwezimiso zakho. Kanti kusemqoka ukubeka emqondweni, isikhathi osikalile nengozi yotshalomali lwakho. Okubalulekile kakhulu ungathola ukuthi inzuzo edingekayo ukufinyelela esikalini sakho ngeke ikwazi ukulingana nezidingo zakho.

Ubuyekeza kangaki uhlelo lwakho lokutshala imali?

Abazali bazibophezela kakhulu entuthukweni yezemfundo yabantwana babo kanti imphumela ebalulekile kubo, eyekota yonyaka, lendlela oyisebenzisayo kwimiphumela yomntwana, ngefanayo kutshalomali lwakho. Iningi livamise ukunganaki utshalomali lwalo kuze kube nezinkinga ezinomthelela ongemuhle, ikakhulu kwinzuzo. Utshalomali lwakho kumele lubuyekezwe njalo njalo ukuze luhambisane nesimo sakho sempilo nezimiso zakho.

Abeluleki bethu bezezimali bangakusiza ukuthi uqonde ngezinhlelo ezahlukene ezikhona emakethe. Sibuyekeza utshalomali lwamakhasimende ethu njalo ngonyaka, ukuze sibhekisise ukuthi ngabe izinto zisahamba ngokwezidingo zakho. Sifuna ukuba nolwazi ngezifiso zakho, amaphupho, nokwesabayo nesimo sakho sezimali, isikhathi ozinqumele, ikhona la siyaye sisebenzise lolu lwazi ukuqonda ukuthi yiluphi uhlelo lokutshala imali olukulungele.