Unokufumana njani Uncedo xa Uhamba ngaphandle kweMali ngaphesheya
Xa ndiqala ukuhamba, ithemba lokuhamba ngokungahambi ngandlela-thile lalingalindela kakhulu ingqondo yam. Ngaloo xesha, ndandisoyika ukuba ndiphangiwe okanye ndibe ngumbumba njengokuba kwakufuneka kwenzeke imihla ngemihla kubahambi abakhetha ukuhlala kwihostele. Ndixhalabele ngekhredithi yekhadi lesikweletu. Ndixhalabele ukuba ndiza kuba nexesha elihle lokuba ndilibale ukugcina umkhondo wemali yam kwaye ngenye imini ndiza kuqiqisa ukuba ndiza kuphuma.
Ndixhalabele ngezinto ezininzi xa ndiqala ukuhamba.
Ngethamsanqa, ukuhamba akuyona ingozi ukuba ukhumbule ukupakisha ingqondo yakho efanelekileyo kwi-backpack yakho, kwaye iingxaki zakho zokuphelisa ziqhekeke kakhulu, zincinci kakhulu. Kwiminyaka emithandathu yokuhamba, andisayi kukuva oko kwenzeka kunoma ubani.
Kodwa oko akuthethi ukuba akuyi kwenzeka.
Ukuba uphelisa ukulahlekelwa yonke imali yakho ngelixa uhamba, nangona kunjalo, akufuneki ukuba yintlekele. Urhulumente wase-United States unikezela uncedo lwezezimali ukuphula abantu abahambahambayo, kuquka ukubolekwa kwemali mboleko, ngoko ke uya kuhlala unokuthi usebenzise okokugqibela.
Makhe sijonge ukuphepha ukuba yonke into ibe yintlupheko ngelixa uhambahambayo, kwaye phi na ukuphendulela uncedo ukuba uya kuhamba uphula.
Indlela Yokugwema Ukulahlekelwa Yonke Imali Yakho Endaweni Yokuqala
Isinyathelo sokuqala kukuphepha, kwaye kukho amanyathelo amaninzi onokuthatha ukuze uqinisekise ukuba awupheli imali ngaphandle kwelanga. Iindlela ezithile eziqhelekileyo zengqondo eziqhelekileyo zifuna konke ukugcina imali yakho kwi-akhawunti yakho nakwizandla ze-mugger.
Landela iindlela ezikhuselekileyo zokukhusela xa usendleleni, njengokuba ukwahlula imali yakho kwiindawo ezahlukileyo, ungagqoki ibhanti yemali nayo yonke into ebalulekileyo kuwe (ngokuqhelekileyo yindawo yokuqala i-mugger izakujonga), ungangxunguli malunga neendawo ezingaphephile, kwaye ugcine izinto zakho kumntu wakho kunye nawe ngemihla yokuhamba.
Gcina imali ephantsi kwesikhwele sakho xa unqunywe kwaye ufune ukufumana iteksi ebhasi ukuya kwindawo yakho yokuhlala.
Musa ukuthatha imali eninzi kumntu wakho xa uhamba, kwaye ingakumbi ngamakhulu okanye amawaka eemali ezixabisekileyo zemali. Kwininzi yelizwe lonke, kuya kubakho ii-ATM kwaye awuyi kuhlawulwa inzuzo yerhafu. Zithatha nje njengoko ufuna, kwaye awuyi kuba nexhala malunga nokuphangwa. Ukuba kwenzeka, akuyi kuba yindleko yakho yokuphila - kuya kuba yi-$ 200 kwiyona nto.
Kufuneka uhlolisise i-akhawunti yakho yasebhanki rhoqo ukuze ube neengcamango ezintle malunga nokuba ushiye imali kwi-akhawunti yakho. Into yokugqibela oyifunayo kukuba ulahlekelwe yimali, kodwa ungabi nalwazi, kuba wawunomdla kakhulu. Ndiya kuqinisekisa ukujonga ibhalansi yam ebhanki ngokusebenzisa ibhanki kwi-intanethi ubuncinane kanye ngeveki, kwaye rhoqo xa ndikhishwa imali kwi-ATM.
Ndiyakhuthaza ukuba ndihambe ngeendlela ezahlukeneyo zemali okanye amakhadi enkoleko adibeneyo kwiakhawunti ezahlukeneyo zebhanki - zonke ziphethe imali. Ngamanye amaxesha ibhanki yakho iya kukuvimba ikhadi lakho xa uliphesheya kwaye indlela elula kakhulu yokuyivula ukufumana I-Wi-Fi kunye ne-Skype kunye nabo bevela phesheya, kodwa oko akunakwenzeka njalo.
Ukuba kukho imeko yongxamiseko, uya kuvuya ngokuba namakhadi angaphezulu ongawasebenzisa njengendlela yokugcina. Oku kwenzeka kum Maldives - ibhanki yam ikhuphe ikhadi lam kwaye ndimele ndiyisebenzise ukuze ndifumane imali. Ngaphakathi kwe-Wi-Fi, ndiza kubambelela kwisikhumulo sezindiza kwaye ndingakwazi ukufumana ndawo ngaphandle kwemali yam.
I-GoFundMe ingaba yindlela
I-GoFundMe ihle kakhulu kwiimeko eziphuthumayo, njengoko uya kukwazi ukuxhamla kwiintlanga kunye nabahlobo kunye nosapho, ngubani ofuna ukukunceda. Sebenzisa oku ukuba umntu uthembe yonke into kwaye akukho nto eseleyo. Abantu baya kufuna ukukunceda ngemali kule meko. Musa ukwenza oku xa usanda kuchitha imali eninzi kwaye ngoku awukwazi ukufikelela ekhaya - uzifumene kuloo meko, ngoko ngoku ixesha lokuphuma.
Uxhasano lwezeMali oluPhezulu lukaRhulumente wase-US, iMboleko yokubuyisela
Ngoko, kwenzeka ntoni ukuba kwenzeka okona kwenzeka kwaye ngokukhawuleza ufunde ukuba uphesheya ngaphandle kwemali egameni lakho?
IiNkonzo zoLuntu kwi-Overseas Services (OCS) likwahlula kwiSebe leeNkcukacha zeNkxaso yeSebe lase-United States kwaye lijongene nenhlalakahle yabemi base-US abahamba phesheya. IiNkonzo zeMelika kunye neCrisis Management (ACS) enye yezohlulo ze-OCS. I-ACS iboshwe kuma-ambassasi ase-US kwaye iqhagamshelana nehlabathi jikelele. Ukusuka kwiSebe lase-US:
"Ukuba abahluphekile, amaMerika angaya kwi-ambassador yase-United States ngaphandle kwezoncedo." I-ACS iya kunceda ngokuqhagamshelana neentsapho zomntu osweleyo, abahlobo bakhe, okanye abahlobo bezoshishino ukuphakamisa imali yabucala.
"I-ACS iphinda ivume iimali-mboleko zokubuyisela ukuhlawulela abantu baseMelika abahluphekileyo ngokubuyela ngqo kwi-US ngamnye Kunyaka ngaphezu kwama-500,000 ama-dollar ahlawuliselwe abantu baseMelika abahluphekileyo."
Ngokubuyiselwa kwemali mboleko, njengaxa ubiza ikhaya ngoncedo ngemali, kuya kufuneka ulinde ngaphandle kwezemali ukuba ufike kwaye ekugqibeleni ubuyisele imali mboleko.
I-ACS inokufikelela kwi-1-888-407-4747 e-US (xa umntu othile ekhaya efuna ukwenza ikhwelo ukuze afune ukuba ufuna ukuya phi uncedo) okanye kwi-1-317-472-2328 evela phesheya. Baza kukuxelela apho uya khona, ukuba wenzeni kwaye, sinethemba lokuba, ukuxazulula iingxaki zakho zezimali okwethutyana.
Uncedo olungaphezulu lukaRhulumente
Urhulumente ngokwenene ufumana lonke iqela lee-website eziwusizo kubahambi, apho unokufumana uncedo oluninzi xa ufuna kakhulu, nokuba ulahlekelwe ipasipoti yakho, imali yakho, okanye ufuna ukufumana apho ungahamba khona inja.
Eli thunyelwe lihlelwe kwaye lihlaziywa nguLauren Juliff.