Ukufunda indlela yokonga sisakhono esibalulekileyo, kwaye akukaze kusekuqaleni ukuqala ukuhlakulela imikhwa yezemali esempilweni. Ngelixa ubuhlwempu bukhona njengomba wehlabathi wabantwana kuyo yonke indawo, lo mbandela ubonakala kakhulu eMelika. Ngokungafaniyo namanye amazwe, le ngxaki eMelika kuthiwa injalo iphetshwe. Ngale nto engqondweni, owayesakuba ngumcebisi ngecebo ledijithali uTanya Van Court ufuna ukutshintsha izinto zibe ngcono ngokufundisa abantwana ukubaluleka kokonga kunye Umdlali weenjongo.
Yintoni iGoalsetter?
Goalsetter yimfundo, ukonga imali usetyenziso olwenziwe yi-CEO kunye noMseki uTanya Van Court. Iqonga lijolise kwiintsapho zaseMelika, kwaye lijolise ekuncedeni ulutsha lusete kwaye lufezekise iinjongo zalo zezemali- njengoko linceda ekwenziweni kwemikhwa eluncedo yokonga. Ukuza kuthi ga ngoku, le app yokufunda ngezemali ifumaneka kuphela e-US, kodwa usetyenziso lunokukhutshelwa kokubini iOS kwaye Android izixhobo. Ngelixa le nkonzo inokunceda bonke abantwana kwihlabathi liphela, eyona nto iphambili kwinkampani ngoku kukuqinisekisa impilo yezemali kwiintsapho zaseMelika.
Uncedo lwabantwana
Ukufundisa abantwana ukubaluleka kokonga akuvakali ngokungathi ngowona msebenzi ulula. Nangona kunjalo, iGoalsetter inokuthi ivele nje ifomula eyimfihlo emva kwayo yonke loo nto. Insiza ivumela abantwana ukuba bazibekele ezabo iinjongo, kwaye ibabonelela nangezinye izikhuthazo zokugcina ukugcina. Ngelixa ukuziqhelanisa nokukhulisa imali oyigcinileyo akusoloko kuyinto eyonwabisayo okanye enomdla, inkqubo yokufunda ukuba ungayenzi njani ayifanelanga ukuba ikruqule.
Ngokungafaniyo nezinye iinkonzo zobuqu zezemali, iGoalsetter igcina izinto zimnandi ngokunika iikhwizi zemfundo, kubandakanya iimemes kunye nee-gifs. Abazali banolawulo ngendlela abantwana babo abalisebenzisa ngayo iqonga, kwaye banokunika iindlela ezininzi zokuba abantwana babo bagcine. Umzekelo, abasebenzisi banokufumana ukonga ngakumbi ngokugcwalisa ngempumelelo iikhwizi-ukuvavanya ulwazi lwabo kwezemali- okanye ukulandela umkhondo wokuba bafumana malini ngokugqibezela imisebenzi yasekhaya.
Inkqubo yabo esekwe kwiinjongo, ulutsha lunokuzenzela ngokobuqu iinjongo zalo ezibekiweyo. Ayinamsebenzi ukuba zinkulu kangakanani okanye zincinci iinjongo zabo- kunokugcina ikholeji, iholide, okanye ibhayisekile entsha. Ngenxa yokuba abantwana bekwazi ukulawula indlela abagcina ngayo, i-Goalsetter ibavumela ukuba babone ukonga kwabo ngelixa kwangaxeshanye befunda nokuba idola enye inokudibanisa ukwenza umahluko omkhulu.
Ingaba isebenza kanjani
Ukuqalisa nge-app, umzali okanye nabani na ongaphezulu kweminyaka eli-18 ubudala angabeka iakhawunti ngeGoalsetter -akhawunti nganye ivumela abantwana abasi-7. Emva kokugqiba inkqubo yobhaliso kwaye uyiqhagamshele kwiakhawunti yebhanki yase-US esemthethweni, abazali banokumema abantwana babo ukuba bakhuphele i-Goalsetter app kwizixhobo zabo eziphathwayo. Ukusuka apho, abantwana bangaseta iinjongo zabo kwaye baqale ukufunda ngokubaluleka kokonga. Ngale nto ithethwayo, abazali basenakho ukubek'esweni inkqubela yomntwana wabo kunye nokuchitha iipateni kwiiakhawunti zabo.
Emva kokubhalisela iGoalsetter, abazali banokunika abantwana babo inkululeko engakumbi yemali kunye noxanduva- ngokubeka iodolo yokuba umntwana wabo afumane UCashola Ikhadi. Umsebenzi weKhadi leCashola njengekhadi ledebhithi eliqhelekileyo, kwaye lixhaswa yiMastercard. Eli khadi liya kudityaniswa neakhawunti yeGoalsetter yomntwana, ebavumela ukuba bachithe kwizinto abazigcinele zona. Nangona kunjalo, ngokungafaniyo namanye amakhadi okutsala imali, abasebenzisi kufuneka bagcwalise ngempumelelo imibuzo yokufunda yokufunda yezemali kwi-app ehambelanayo ngaphambi kokuba bavunyelwe ukuba bachithe. Njengenyathelo lokugqibela lokhuseleko - lokuqinisekisa ukuba abantwana bathenga izinto ezisempilweni ngokwasemalini - abazali bayakwazi ukuseta uhlahlo-lwabiwo mali lwanyanga zonke kunye neminye imida kwiKhadi leCashola yabantwana.
Ngale nto ithethwayo, iiCashola Cards ayisiyiyo kuphela ikhadi elinikezelwa yiGoalsetter. Inkampani ikwajolise ekuvuseleleni inkcubeko yokupha izipho eMelika. Endaweni yokubeka phambili amandla okuthenga omntwana ngamakhadi ezipho, i-Goalsetter ize neyayo Ikhadi leNjongo. IGoardCard inenjongo efanayo nekhadi lesipho eliqhelekileyo. Nangona kunjalo, inika abantwana ithuba lokungasebenzisi kuphela kodwa ukugcina.
Impumelelo e-US
I-Goalsetter iya kukhunjulwa njenge-app eyayibonakaliswe kwi-Shark Tank ngo-2020. Nangona kunjalo, ekubeni iVan Court ingakwazanga ukufumana isivumelwano apho, iqonga lezemali likwazile ukufumana abalandeli abaninzi kunye nenkxaso mali. Ngapha koko, abadlali be-NBA uKevin Durant noChris Paul, kunye ne-Vista Equity Partners CEO uRobert F. Smith, bonke batyale imali kumbono weGoalsetter. Usomashishini waseMelika uMark Cuban naye uthathe isigqibo sokuxhasa lo mbandela, njengoko ebambisene nenkampani ukubonelela ngesigidi solutsha lwaseMelika ngeakhawunti yabo yokuqala yokonga- kubandakanya iidola ezingama-40- kunye neKhadi labo leCashola. Nangona kunjalo, impumelelo yeGoli ayipheleli apho. Inkampani ikwazile ukufumana isixa esiyi- $ 4.5 yezigidi ngaphakathi kwemijikelo esi-7 yenkxaso mali yembewu.
Ndonwabile ukubhiyozela iNyanga yeMbali eMnyama ngokusebenzisana nayo @iamfanlalisaInkampani yabanini abaNtsundu, ephethwe ngabasetyhini kwimishini yokuyila i-1 lesigidi sabantwana kunye nolutsha ukuba bafumane iakhawunti yabo yokuqala yokonga kunye nekhadi ledebhithi. pic.twitter.com/GsvkMps8wV
-UMark Cuban (@mcuban) Februwari 5, 2021
Ngaba iinjongo zeenjongo zilungile?
Lilonke, iGoalsetter lukhetho olukhulu kubazali lokusebenzisa njengesixhobo sokufundisa abantwana babo ukubaluleka kokonga. Nangona kunjalo, ngelishwa ukuba le ngxelo inokusebenza kuphela kubemi base-US. Ngethemba, ngempumelelo yabo eMelika, le nkonzo inokudluliselwa nakwamanye amazwe. Enye into edanisayo kwiGoalsetter ibandakanya into yokuba iCashola Card ayinakho ukusebenza neeATM. Ngelixa abantwana bekwazi ukuswayipha kwaye benze intlawulo naphina apho yamkela i-Mastercard, ngekhe bakwazi ukwenza ukurhoxa kwii-ATM.
Ngokwemirhumo, iGoalsetter ine- “pay what you think is fair” ngenyanga - apho inkampani ikhuthaza abathengi bayo ukuba benze igalelo kumbono wabo wotshintsho. Ngaphandle kwalonto, iGoalsetter ihlawulisa i-1 ne-2.9 yeepesenti, kunye neesenti ezingama-30, xa iGoalCard inesiphiwo. Ngelixa umrhumo wabo "wokuhlawula oko ucinga ukuba ulungile" uxeliwe kubo website, akukho zinkcukacha zichaziweyo malunga nezinye iifizi. Ngale nto ithethwayo, ukufumana ulwazi olubalulekileyo malunga nenkonzo yabo akukho nzima. Inkonzo yabathengi yeGoalsetter ayinakulinganiswa, kwaye baqinisekile ukuphendula kwiiyure ezimbalwa. Emva kokushiya umyalezo kwiwebhusayithi yabo okanye ukufikelela kubo nge-imeyile (info@goalsetter.com), abathengi bayakwazi ukunxibelelana nomnye wabasebenzi abaluncedo.
Wonke umntu angonga
Ngeliphandle, ingcinga ye-Goalsetter iyonke iyafundisa, iyasebenza, kwaye iyakhuthaza ngendlela emangalisayo. Ukuba ungumntu omdala ojonge ukugcina, kubalulekile ukuba uqaphele ukuba awusemncinci kakhulu okanye umdala ukuba uqalise ukuhlakulela imikhwa yezemali esempilweni. Ngombulelo, iGoalsetter ayisiyiyo kuphela zebhanki iqonga elikhuthaza abasebenzisi babo ukuba balondoloze. Kukho ezinye iinkonzo phaya, njenge Porte, ezinokunceda abantu abadala ukuba bafeze iinjongo zabo zezemali, nazo-njengeGoli.
I-YouTube: Yintoni iGoli?
Ngokucofa dlala, uyavumelana neYouTube Imiqathango yeNkonzo kwaye umthetho wabucala. Idatha ingabiwa noYouTube/Google.
Ityala lemifanekiso: Inqaku umfanekiso yenziwe nguNenad Stojkovic. Ifoto “USakurako ufumana imali kwirejista yemali”Ithathiwe ngu UMiki Yoshihito. Ifoto “Umfazi ohlawula kwi-POS kwivenkile ethengisa”Ithathwe nguBlake Wisz. Umfanekiso “indoda ekhwele”Ilungiswe ngu UMichael Heiland. Izikrini zibonelelwe yiGoalsetter ekusetyenzisweni kweendaba.
Isaziso sokuhlela: Uhlaziyo ngoMatshi-2 2021 -Kukho uhlaziyo ukubonisa ulwazi lwamva nje oluchongwe ngumbhali.
