Ukuthola Usizo Uma Uphuma Ngaphandle Kwemali
Ngesikhathi ngiqala ukuhamba, ithemba lokuhamba ngengozi ngenye indlela yilapho engicabanga kakhulu. Emuva ngaleso sikhathi, ngangesaba ukuphangwa noma ukugunjwa njengokungathi kwakuyinto eyenzeka nsuku zonke kubahambi abakhetha ukuhlala emahostela. Ngikhathazekile ngokukhwabanisa ngekhadi lesikweletu. Ngangikhathazekile ukuthi ngizophelela isikhathi esinjalo sokuthi ngizokhohlwa ukugcina ithrekhi yemali yami kanye nosuku olulodwa ngifike ekuqapheliseni okubi ukuthi ngizophuma kulo.
Ngangikhathazekile ngezinto eziningi lapho ngiqala ukuhamba.
Ngenhlanhla, ukuhamba akuyona ingozi uma ukhumbule ukupakisha umqondo wakho ovamile esikhwameni sakho, futhi izingqinamba zakho eziphelile ziphukile zincane kakhulu. Eminyakeni eyisithupha yokuhamba, angisaze ngizwe ukuthi kwenzekani kunoma ubani.
Kodwa lokho akusho ukuthi ngeke kwenzeke.
Uma ugcina ukulahlekelwa yonke imali yakho ngenkathi uhamba, noma kunjalo, akudingeki ukuba kube yinhlekelele ephelele. Uhulumeni wase-US unikeza usizo lwezezimali ukuze aphule abahambi, kubandakanya ukuboleka imali, ngakho-ke uzohlala njalo unokuthi usebenzise okokugcina.
Ake sibheke ekugwemeni ukuthi konke kuphelelwe yisikhathi ngenkathi kuhamba, futhi kuphi ukucela usizo uma uhamba uhlakazekile ngaphandle.
Indlela Yokugwema Ukulahlekelwa Yonke Imali Yakho Endaweni Yokuqala
Isinyathelo sokuqala ukugwema, futhi kunezinyathelo eziningi ongazithatha ukuqinisekisa ukuthi awupheli imali ngaphandle kwezwe. Iminye imikhuba evamile ejwayelekile yokuqonda ingadingeka ukugcina imali yakho ku-akhawunti yakho nangaphandle kwezandla ze-mugger.
Landela imikhuba ejwayelekile yokuphepha ngenkathi usendleleni, njengokuhlukanisa imali yakho ezindaweni ezihlukene, ungagqoki ibhande lemali nakho konke okubalulekile kuwe (ngokuvamile kuvame ukuba umhloli uhlole), hhayi ukuzungeza ezungeze izindawo ezingaphephile, nokugcina izinto zakho kumuntu wakho kanye nawe phakathi nezinsuku zokuhamba.
Gcina imali ethile ngaphansi kwesicathulo sakho uma kwenzeka ungene emgodini futhi udinga ukuthola itekisi ebhasi ukuya endaweni yakho yokuhlala esiphuthumayo.
Ungathwali imali eningi kumuntu wakho lapho uhamba, futhi ikakhulukazi hhayi amakhulu noma izinkulungwane zemali ezibiza imali. Esikhathini esiningi kuwo wonke amazwe, kuzoba nama-ATM futhi ngeke ukhokhiswe imali enhle yokuhoxiswa. Vele uthathe okuningi okudingayo, futhi akudingeki ukhathazeke kakhulu mayelana nokuphangwa. Uma kwenzeka, ngeke kube imali yakho yokugcina imali - kuyoba ngu- $ 200 kakhulu.
Kubalulekile ukuhlola i-akhawunti yakho yasebhange njalo ukuze ube nomqondo omuhle wokuthi ushiye imali engakanani ku-akhawunti yakho. Into yokugcina oyifunayo iwukuthi ulahlekelwe yimali, kodwa awukwazi, ngoba uvele ujabule kakhulu. Ngiyaqiniseka ukuthi ngibheka ibhalansi yami yasebhange ngisebenzisa ibhange le-inthanethi okungenani kanye ngesonto, futhi njalo uma ngisusa imali ku-ATM.
Ngiphakamisa futhi ukuhamba nge-debit ehlukahlukene noma amakhadi esikweletu ezixhunyaniswa nama-akhawunti asebhange ahlukene - bonke abanayo imali. Ngezinye izikhathi ibhange lakho lizovimba ikhadi lakho ngenkathi ungaphandle futhi indlela elula yokuyivulela ukuthola I-Wi-Fi ne-Skype nabo bevela phesheya kwezwe, kodwa lokho akunakwenzeka ngaso sonke isikhathi.
Uma isimo sesimo esiphuthumayo, uzobonga ukuthi unamakhadi engeziwe ongayisebenzisa njengendlela yokulondoloza. Lokhu kwenzeka kimi eMaldives - ibhange lami livimbe ikhadi lami futhi kwadingeka ngisebenzise isipele sami ukuze ngithole imali. Ngaphakathi kwe-Wi-Fi, ngabe ngibambelele esikhumulweni sezindiza futhi ngingeke ngithole kuphi ngaphandle kwemali yami.
I-GoFundMe ingaba yindlela
I-GoFundMe ihle kakhulu ezimweni eziphuthumayo, njengoba uzokwazi ukufaka isitifiketi kubangani nomndeni, ngubani oyofuna ukukusiza. Sebenzisa lokhu uma othile eba konke futhi awunalutho olusele. Abantu bazofuna ukukusiza ngokwezezimali kule simo. Ungenzi lokhu uma usanda kuchitha imali eningi futhi manje ungeke ukwazi ukufika ekhaya - uzibophezele kuleso simo, ngakho manje sekuyisikhathi sokuphuma.
Usizo lwezezimali oluphuthumayo lukaHulumeni wase-US, Imali Yokubuyiswa Kwezimali
Ngakho-ke, kwenzekani uma kwenzeka okubi kakhulu futhi ngokuzumayo ufunda ukuthi uphesheya ngaphandle kwemali egameni lakho?
Izinsizakalo Zomphakathi Wase-Overseas (OCS) yi-Division of State of State's Bureau of Consular Affairs futhi inesibopho senhlalakahle yezakhamuzi zase-US eziya phesheya. Ukuphathwa Kwezakhamuzi zaseMelika kanye neCrisis Management (ACS) kungenye yezinhlaka zika-OCS. I-ACS iboshelwe kuma-ambassade ase-US futhi ihambela emhlabeni jikelele. Kusuka eMnyangweni WezeMelika:
"Uma behlulekile, abaseMelika bangakwazi ukubuyela kwelinye ilungu lase-United States elizosiza usizo lwazo. I-ACS izosiza ngokuxhumana nomndeni womuntu osweleyo, abangane bakhe, noma abangane bakhe bebhizinisi ukukhulisa izimali zangasese. Kuzosiza ukuhambisa lezi zimali kubantu baseMelika abangenalutho.
"I-ACS ibuye ivume ukubolekwa kwemali yokubuyisela imali yokukhokhela abantu baseMelika abahluphekayo ngokubuyela ngqo e-US Unyaka ngamunye ngaphezu kwamaRandi ayizinkulungwane ezingu-500 000 kuboleka abaseMelika."
Ngokuboleka imali, njengoba nje ubiza ekhaya usizo ngosizo lwemali, kuzomele ulinde ngaphandle kwezezimali ukuze ufike futhi ekugcineni ukhokhele imali.
I-ACS ingafinyelelwa ku-1-888-407-4747 e-US (uma kwenzeka umuntu ovela ekhaya kudingeka enze ucingo ukuthola ukuthi kufanele uhambephi usizo) noma ku-1-317-472-2328 evela phesheya. Bazokutshela ukuthi ungaphi, ukuthi benzeni futhi, ngethemba, ukuxazulula izinkinga zakho zezezimali okwesikhashana.
Usizo olungaphezulu lukaHulumeni
Uhulumeni empeleni uthola wonke amawebhusayithi awusizo kwabahambi, lapho ungathola khona usizo olukhulu uma uludinga kakhulu, noma ngabe ulahlekelwe ipasipoti yakho, imali yakho, noma ufuna nje ukuthola ukuthi ungaya kuphi inja.
Lokhu okuthunyelwe kuhlelwe futhi kubuyekezwe nguLauren Juliff.