Njengoba uneminyaka yobudala, izingane zinezintshisekelo eziningi, futhi akumangazi: yini eheha ingane eneminyaka emithathu ubudala ukuthi ayinandaba nentombazane. Futhi ngelinye ilanga kufika isikhathi lapho ingane ifika khona ukuqaphela isidingo sayo semali ephaketheni.
Mayelana nokuthi intsha idinga kanjani ngempela imali yezindleko zezimpahla, kanye nalokho okushiwo yi-pocket imali, uzothola kulesi sihloko.
Kungani sidinga imali ephaketheni?
Izingane kancane kancane ziba zimele ngokwengeziwe kubazali bazo. Esikoleni, banomphakathi wabo, imisebenzi yabo nemikhuba yabo. Ingane yobudala besikole isivele isivele isakhiwe. Kodwa akakaze anqume ngemigomo yakhe yokuphila futhi uyaqhubeka nokuzama, ukufunda emaphutheni akhe nokuthola isipiliyoni esibalulekile sokuphila. Futhi ngokuvamile lokhu okuhlangenwe nakho kudinga ukutshalwa kwezimali.
Ngaphezu kwalokho, emphakathini wesikole, ingane ifuna ukuba nemali yakhe okungenani ukuze ingabonakali njengezimvu ezimnyama phakathi kwalabo abafunda nabo "abaphambili" noma, ngokuphambene, ukuba baphume esixukwini futhi "baqhume amehlo akhe" kubangane bakhe.
Kungani kudingekile ukuthi badinga imali ephaketheni? Ukuze ukwazi ukuthola isidlo esikhwameni, nokuhamba ngemetro noma itekisi, ukuthenga amaswidi bese uhlangana nezifiso nezinye izidingo zezingane.
Abaningi bakhathazeka ngokuthi bangakanani imali yokunikeza izingane. Impendulo eyodwa kuyo akunakwenzeka ukunikeza, ngoba kuxhomeke ekutheni inhlalakahle yemali yomndeni ngamunye. Ngenani lemali eyabelwe ingane, ungabonisa ngokuqoqa "umkhandlu womndeni", okumele ube khona futhi ingane. Mye akhulume ukuthi yiziphi izidingo adinga imali, futhi ngokuya ngalokhu, isabelomali sakhe samasonto onke sizoqokwa.
Imali yePokhethi: ngokumelene nokuphikisana
Abazali abavumelani ukuphikisana ukuthi badinga imali ephaketheni, noma kungcono ukuba banikezele, ngezinhloso ezithile. Ake sibone ukuthi yini embuzweni wemali ephaketheni - pluses noma minuses?
Izinzuzo ze-pocket imali yezingane zilandelayo:
- Ingane ifunda indlela yokuphatha imali kwengane, ukuhlela izindleko zayo, futhi ngezinye izikhathi ukugcina imali. Leli kghono eliwusizo ngokuqinisekile liwusizo kuye esikhathini esizayo.
- Imali ye-Pocket izokusiza esimweni esiphuthumayo, uma udinga ukushayela itekisi ngokuphuthumayo, uthenge umuthi, njll.
- Ingane ingathenga lokho acabanga ukuthi ilungile, futhi ingabonisi abazali bayo ukuthi uyayidinga, futhi ungaceli imali.
- Kubantwana abasukela eminyakeni engu-14, imali ye-pocket ibaluleke kakhulu: bayakwenza uzizwe uqiniseka. Njengoba ugcine imali yakho, awukwazi ukucela abazali bakho imali noma nini lapho umfana efuna, isibonelo, ukumema intombazane ku-movie bese uthenga izimbali. Futhi ngamantombazane ngokwawo, ukuzimela kwezinye zezezimali akubizayo.
Uhlangothi olungezansi lwezindleko "zemali" yizimo eziyingozi ezilandelayo :
- Ingane isheshe isetshenziswe ukuthi imali ihlale ikhona ephaketheni, futhi ihluleka ukuyiqonda.
- Izingane zingasebenzisa imali abazali bazo abazinikelayo, hhayi ngokudla nokuhamba, kodwa ngogwayi kanye neziphuzo ezidakayo. Lokhu kwenzeke kangako, ikakhulukazi esikoleni esiphakeme esikoleni. Ukulwa nalokhu, ukunqanda ingane yezindleko zezimpahla, akusizi ngalutho. Le nkinga kufanele ixazululwe izingxoxo zokuvimbela mayelana nezingozi zale mikhuba.
- Intombazane ithola imali ngaphandle kokubeka umzamo kuwo. Ungalungisa lesi simo ngokumema ukuba azame ukuthola umsebenzi wesikhathi sesikhathi.
Indlela yokuthola imali ephaketheni?
Umntwana ohlangothini lwakhe wazi ukuthi yiziphi izinzuzo, futhi uyaqhubeka nokuqonda umsebenzi wakhe nomsebenzi wabazali, amnike ithuba lokuthola imali yakhe. Ngalokhu unga:
- ukusebenza njengomgqugquzeli (susa i-flyer, uhlanganyele ekukhusheni okuhlukahlukene);
- ukuze uthole ngokungeziwe kuma-intanethi ama-freelance exchange (izingane zesikole umsebenzi olula njengombhalisi wokubhala noma, ngamakhono afanele, ukucubungula izithombe zedijithali ukuhleleka);
- Uma ingane ithanda imishanguzo, ingahlela ukudayiswa kwemisebenzi yakhe ephumelele kakhulu.
I-pocket imali yezingane akuyona isidingo esiphuthumayo, kodwa basiza ingane ukuthi ifunde ukuzizwa ikhulile futhi inesibopho.