Tips to Overcoming the High Cost of Education
Tips to Overcoming the High Cost of Education - Education in Indonesia is still an expensive investment, it is necessary for good financial planning, if you want a good education plan for the baby should plan early education funding. Education funds could begin to think about as well prepared since the child was born to set aside part of our regular income each month or at a specified time on a regular basis.
Each turn of the parents of the school year, have been facing the problem of education costs. Especially when there are children who will go into higher education, then they should be prepared to spend more. Many parents or even children who suffer from stress when they have to get a new school for their education to a higher level. Kindergarten child must enter elementary school, then junior high school, senior high school, then to college tinggi.Selain must provide a certain amount of money as entrance fees ( and often times must be coupled with voluntary donations ), must also move most of the family money to buy textbooks and new school uniforms.
As parents, we certainly agree that education has a major role to the future of their children. So in order to get the best education, then sending their child to the highest level of education is one way that the child is able to be financially independent later. However, the current high cost of education coupled with the rising cost of education from year to year often makes parents unable to provide the education funds in times of need.
Moreover, if the question is the quality of education. Public schools today even favorite school fees do not vary much with the private schools. Moreover, with the intention that the child gets the best education international perspective, some parents are willing to send their children abroad. For those of you who never went to school abroad will remember how much the cost of living while studying there is almost as great as the cost of education itself. The experience shows that if you send children out of the country in the future, the amount you will spend much more.
Then, true education is still a luxury item? Luxury called because for most people, education is still seized enormous costs to be difficult to fulfill. Mainly by the lower-middle class with limited finances. When paired with the primary needs and the cost of living is more expensive, of course, the need for long- term educational and not too urgent become increasingly disregarded .
Load parents to prepare for such a large fund to pay children's school tuition is quite heavy if to be paid at once. Therefore, to anticipate future cost of education then one way is to prepare education funds far in advance. To prepare funding education costs, actually a lot that can be done by parents.
Broadly speaking, alternative sources of funding in the financial planning of the new school year there are 5, namely :
Each turn of the parents of the school year, have been facing the problem of education costs. Especially when there are children who will go into higher education, then they should be prepared to spend more. Many parents or even children who suffer from stress when they have to get a new school for their education to a higher level. Kindergarten child must enter elementary school, then junior high school, senior high school, then to college tinggi.Selain must provide a certain amount of money as entrance fees ( and often times must be coupled with voluntary donations ), must also move most of the family money to buy textbooks and new school uniforms.
As parents, we certainly agree that education has a major role to the future of their children. So in order to get the best education, then sending their child to the highest level of education is one way that the child is able to be financially independent later. However, the current high cost of education coupled with the rising cost of education from year to year often makes parents unable to provide the education funds in times of need.
Moreover, if the question is the quality of education. Public schools today even favorite school fees do not vary much with the private schools. Moreover, with the intention that the child gets the best education international perspective, some parents are willing to send their children abroad. For those of you who never went to school abroad will remember how much the cost of living while studying there is almost as great as the cost of education itself. The experience shows that if you send children out of the country in the future, the amount you will spend much more.
Then, true education is still a luxury item? Luxury called because for most people, education is still seized enormous costs to be difficult to fulfill. Mainly by the lower-middle class with limited finances. When paired with the primary needs and the cost of living is more expensive, of course, the need for long- term educational and not too urgent become increasingly disregarded .
Load parents to prepare for such a large fund to pay children's school tuition is quite heavy if to be paid at once. Therefore, to anticipate future cost of education then one way is to prepare education funds far in advance. To prepare funding education costs, actually a lot that can be done by parents.
Broadly speaking, alternative sources of funding in the financial planning of the new school year there are 5, namely :
- Saving money through banking services, education savings. Which is a combined form of deposits, insurance, and savings. The difference, starting with a deposit base of the big money, while education savings to pay the deposit to get a " base money " is greater. And different to regular savings, because it can not be taken prior to maturity ( like insurance and deposit ). Interestingly, although the shape education savings, but there are also secured by insurance coverage. So when the deposit is supposed to do all the time an agreement is not reached, will be borne by the guarantor, the monthly payments will continue until maturity when parents purveyor had an accident and could not continue the payments.
- Purchase insurance products that contain elements of savings, insurance education. Form of guarantee against the risks, the benefits of using this funding source if planned right time or there is a risk that appears in the middle of the " journey ". Usually this model is used for families who have a high risk, say parents with a higher level jobs kecelakaanya.
- Prepare themselves by way of investing. In addition to savings and insurance education then you can also prepare yourself by investing in a product other investments, such as mutual funds. You can make regular deposits of investment per month, or at the desired time.
- Taking a short-term credit loans, although not very commonly used for educational funding sources, but some people still use it, for example as an unsecured loan products issued by banks. Credit card. Financial resources is very possible, although mungin payment will be a new issue. In addition to high interest when due, the risk level is also quite large. Pawn your valuable possessions such as gold jewelry to pawnshops, also one of the sources of financing for a variety of urgent need, such as paying school tuition. In an emergency, where there is sufficient available funds to pay for the education of children with immediately, then take out a loan to another party could be an alternative.
- Sell assets. If you have savings in the form of paper (paper assets ) such as mutual funds, stocks or other assets in the form of a form such as gold, land. Vehicle or other valuables can be considered to sell it if there is not enough cash to pay for the education of children.
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Education
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