Abaqashi Abengeziwe Baqala Ukusiza Abaqashi Bakhokhele Izikweletu Zomfundi
Ngokusho kwedatha yakamuva ka-2015, isikweletu sesiboleji somfundi sesifinyelele i $ 1.2 trillion e-USA kuphela. Umbiko we-CNN uthe, "Ukuboleka kwamakhansela kwabafundi kuye kwanda ngamaphesenti angama-84 kusukela ekudlukisweni kwemali (kusukela ngo-2008 kuya ku-2014) futhi uhlobo olulodwa lwababoleki abakwehlayo, ngokusho kwesifundo esivela ku-Experian [credit agency] kusukela ngo-2008 kuya ku-2014 ". Lesi sikweletu esibi kakhulu futhi ukucindezelwa kokwenza izinkokhelo ezinkulu zanyanga zonke kuthatha inani labantu ababalelwa ezigidini ezingu-40 emhlabeni jikelele, iningi labo bonke abasebenzela ukusekela umndeni nokuvikela izikolo zabo zemali.
Abasebenzi bakho basuke becindezeleka ngenxa yesikolodo sesikweletu somfundi
Kungenzeka ukuthi ingxenye enkulu yabasebenzi bakho bamanje (nabangesikhathi esizayo) inzima ngandlela-thile ngesikweletu somboleki esikoleni. Ngakho-ke, inzuzo engenzeka ukuthi izinkampani kufanele zicabangele ngokungathí sina yilezi zenkxaso yokubolekwa kwezikweletu.
Ucwaningo lwencwadi ka-Julayi 2015 kusukela ku-iontuition, umhlinzeki wesikhulumi odumile wababolekisi bokubolekisa abafundi, wembula idatha elandelayo ezithakazelisayo:
- Amaphesenti angama-75 ebolekisi bemali abayizi-1,000 athi angathanda ukusebenzela inkampani ehlinzeka ngemali yokubolekwa kwemali yokubolekwa kwemali, okubandakanya iminikelo ehambisanayo namathuluzi wokuphatha imali.
- Amaphesenti angama-55 alaba bantu athi nabo bafuna ukubona iminikelo yezempilo yomqashi ihamba ekukhokheleni isikweletu somboleki.
- Amaphesenti angama-49 angakhetha izinkokhelo zokukhokhwa kwemali mboleko yabafundi emisebenzini yokulondoloza umhlalaphansi, njengo-401 (k) s
Izisebenzi ezincane ezisanda kuphuma ekolishi zibhekene nenselele enkulu uma zikhokha isikweletu somboleki.
Ngokudabukisayo, ukuhola kwabo ekhaya akudingeki ukuthi kube lula ukukhokhela izinkokhelo zemali kanye nezindleko zokuphila, abaningi banzima ukuba baphile nabazali baze baqale ukuthola imali engaphezulu. Ngisho nabasebenzi abasemkhatsini wezemisebenzi banenkinga yokukhokha imali yokubolekwa kwabafundi lapho bezama nokukhulisa izingane, ukuthenga amakhaya, nokusekela abazali asebekhulile.
Umjikelezo ononya ongapheli abantu abaningi abhekana nazo zonke izinsuku - okuthinta ukusebenza kwabo komsebenzi kanye nezinye izici zokuphila kwabo.
Bangaki abaqashi okwamanje enikeza izinzuzo zokukhokha izikweletu zabafundi?
I-Society for Human Resource Management (SHRM) ilule ukuthi amaphesenti amathathu kuphela abaqashi abanikeza ngempela uhlobo oluthile lwezibonelelo zokubolekwa kwemali mboleko kubafundi, futhi kuphela amaphesenti angu-1 abaqashi bahlela ukunikeza le nzuzo esikhathini esizayo esiseduze. Ngesikhathi esifanayo, i-SHRM ibika ukuthi isikweletu somfundi esikoleni sinciphisa umkhiqizo wesisebenzi. Inhlolovo ye- 2015 Price Water Cooper House (PWCH) ibonisa ukuthi, "abasebenzi abangamaphesenti angu-20 baphazamiseka nsuku zonke ngezindaba zabo zezezimali kanti amaphesenti angu-37 achitha amahora amathathu noma ngaphezulu ngesonto ngokukhathazeka ngemali yomuntu siqu."
Ukusekela umsebenzi wezezimali ngemisebenzi yezibonelelo zokubolekwa kwemali mboleko
Uma inkampani ifuna ukuheha abasebenza ngokuqinile futhi ithuthukise amazinga okukhiqiza, ingaba lula ukusebenzisa inzuzo yokukhokhelwa kwemali mboleko yabafundi. Nika abasebenzi ithuba lokuba ne-dollar ehambelana ne-plan yokuthatha umhlalaphansi noma uhlelo lokubolekwa kwemali mboleko. Bangakwazi ukunikela ama-dollar abo bangaphambi kwentela uma befisa uhlelo lokuthatha umhlalaphansi oluthile. Inyanga ngayinye, ukhokha iphesenti elibekiwe lomboleki wesikolodo somfundi ngokukhokha ngokuqondile enhlanganweni ekhishwayo.
Nikeza bonke abasebenzi ukufinyelela kwamathuluzi okubheka imali ukuze babasize ukuphatha amabhajethi abo, njenge-SmartDollar, engabasiza ekubuyiseleni emgqeni ngemikhuba eqinile yezimali. Sebenzisa imfundo ukusiza abasebenzi ukuba bagcine isikweletu somfundi esikoleni ngaphandle kokumiswa nokuzenzakalelayo. Uma abasebenzi bebhekene nokuhlobisa okuvela kokungafani, banikeze ukufinyelela kokululekwa kanye nezinzuzo zezimali abadingayo ukuze zibuyiswe esimweni sokukhokha.
Njengengxenye yenzuzo yakho yonke, faka lolu lwazi kuzitatimende eziphelele zempesheni. Nikeza isitatimende sanyangazonke esibonisa inani elikhokhwa ngesikweletu somboleki esikoleni.