Table of Contents

Kuyang'anira mavuto a zachuma kungakhale kolemetsa, koma kuzindikira maprogramu a ulova ndi a zaumoyo opezeka kwa inu kungakuthandizeni kwambiri kukhala ndi mphamvu yosunga bata panthaŵi zovuta. Maprogramu a khoka okonzeka a boma ameneŵa alipo kuti akuthandizeni kwakanthaŵi pamene mukugwirira ntchito ya zachuma. Kaya mwataya ntchito yanu posachedwapa, mukuvutika kuti mupeze chakudya cha banja lanu, kapena mufunikira thandizo la ndalama, pali zinthu zolinganizidwa kukuthandizani kubwerera ku mapazi anu.

Chitsogozo chokwanira chimenechi chidzakutsogolerani kupyola mapindu osiyanasiyana a ulova ndi maprogramu a chithandizo cha kakhalidwe opezeka mu United States, kulongosola zofunika za kukhala woyenerera, tsatanetsatane wa mmene mungagwiritsire ntchito, ndi kupereka chidziŵitso chogwira ntchito chokuthandizani kupeza chichirikizo chimene mufunikira.

Kumvetsa Mapindu a Inshuwalansi ya Ulova

Mapindu a ulova ku United States amaperekedwa kupyolera mu mgwirizano wa boma wokhazikitsidwa ndi Social Security Act ya 1935 ndi Federal Weatcorty Act (FUTA). Pamene kuli kwakuti boma limakhazikitsa zitsogozo za maziko, maprogramu a boma ndi kugwiritsira ntchito inshuwalansi yakeyake ya ulova (UI) — kukhazikitsa mapindu, zofunika za phindu, ndi makonzedwe ochotsera zinthu popanda kudalira pa .

Kodi Ulova Uli ndi Mapindu Otani?

Mapindu a ulova ali ndalama zoperekedwa kwakanthaŵi kwa antchito oyenerera amene achotsedwa ntchito popanda chifukwa chawo. Mapindu ameneŵa amapangidwa kuti apereke ndalama zoloŵa mmalo mwa ndalama zapambali pamene mukufunafuna ntchito yatsopano. Programuyi imayendetsedwa mwa kulipira misonkho ya abwana, osati zopereka za antchito, zimene zimatanthauza kuti mwapindula ndi ntchito yanu yakale.

Cholinga chachikulu cha inshuwalansi ya ulova ndicho kupereka ndalama pa kusintha kwa ntchito, zikungakuthandizeni kukhala ndi ndalama zambiri pamene mukufunafuna mwaŵi woyenera wa ntchito.

Zofunika Zosalephera Kuti Ulova Ukhaledi Wabwino

Pamene kuli kwakuti boma lililonse limakhazikitsa njira zake zokhalira ndi inshuwalansi ya ulova, maboma ambiri amafuna odzinenerawo kuti akwaniritse mikhalidwe imeneyi: yosiyana popanda kulakwa kwawo. M'mayiko ambiri, kulephera kumafuna kuti wolembedwayo ataye ntchito chifukwa cha kuchotsedwa, kuchepa kwa mphamvu, kutsekedwa kwa kampani, kapena kusoŵa ntchito — osati chifukwa cha kutaya ntchito kwaufulu kapena kuchotsedwa kwa khalidwe loipa. Mayiko ena amalola mapindu kwa antchito amene amasiya ndi "zifukwa zabwino" (monga ngati mikhalidwe yakuntchito, kuvutitsa, kapena zifukwa zina za banja), koma mafotokozedwe a zifukwa za zinthu zabwino amasiyanasiyana chifukwa cha boma.

[[Nthaŵi ya:0] Nthaŵi ya Kupeza Zofunika [[Kusintha:1]

Odzinenera ayenera kukhala atalandira malipiro ochepa kapena kugwira ntchito kwa maola ochepa panyengo ya kukhazikika kwa . Nthaŵi ya maziko ndiyo malo oyamba anayi a ma khalenda asanu omaliza musanalembe pepala lanu. Mwachitsanzo, ngati mukugwiritsira ntchito mu 2026 ku New Jersey, muyenera kukhala mutapeza ndalama zokwana $10 pa mlungu wa 20 kapena kuposapo pantchito yathunthu m’chaka chanu choyambirira, kapena chiwonkhetso cha $15,500.

Maboma osiyanasiyana ali ndi zofunika za ndalama zosiyanasiyana. Ku Washington, mufunikira kukhala mutagwira ntchito maola 680 m'chaka chanu chakuya. Ngati simuyeneretsedwa m'nyengo yokhazikika, maboma ambiri amapereka nyengo ina yoyambira imene imagwiritsira ntchito ndalama zaposachedwapa kutsimikizira kuti mukhoza kukhala wokhoza.

[[ML:0] Zofunika Zosasinthika [[Kusintha:1]

Kuti mupitirize kulandira mapindu a ulova, muyenera kukwaniritsa ziyeneretso zingapo zopitirizabe:

  • N’zotheka ndi Kupezeka Kugwira Ntchito: Muyenera kukhala wokhoza ndi wopezeka kugwira ntchito (mwachitsanzo, osati kutuluka m’tauni patchuthi) ndi kufikitsa zofunika za ntchito.
  • Kufufuza kwa Ntchito: Maboma onse amafuna ofunsira ntchito kuti achite kufunafuna ntchito kokangalika monga mkhalidwe wa kupitirizabe. Maboma ambiri amafuna mapepala a ntchito zofufuza (monga ngati chiŵerengero cha olemba ntchito pa mlungu) pamene akutsimikizira mapindu a mlungu ndi mlungu.
  • Mapepala a patali: Muyenera kulemba m'mapepala mlungu uliwonse kapena mlungu uliwonse kutsimikizira kuti mulibe ntchito ndipo mupitirize kukwaniritsa zofunika zonse zofunikira kulephera.
  • Kulandira Ntchito yoyenera: Muyenera kukhala wofunitsitsa kulandira ntchito yoyenerera. Ntchito imaonedwa kukhala yoyenerera ngati ikugwirizana ndi maluso anu, chidziŵitso, ndi maphunziro, ngakhale kuti mafotokozedwe a ntchito yabwino angakulitse ukali wanu.

Kodi Mungakhale ndi Ubwino Wotani Mukakhala Wosoŵa Ntchito?

Ulova umakhala ndi phindu lalikulu kwambiri m'dziko. Maboma ambiri amaŵerengera phindu lanu la mlungu ndi mlungu pafupifupi 50% pa 2026 mu Mississippi mpaka $1,105 ku Massachusetts (kuphatikizapo kudalira munthu). Maboma ambiri amaŵerengera phindu lanu la mlungu ndi mlungu monga pafupifupi 50% ya malipiro anu a pa avareji a mlungu ndi mlungu mkati mwa nyengo ya chigawo, kufikira kuunyinji wa boma.

Mwachitsanzo, ku Minnesota, mapindu amapereka pafupifupi 50% ya malipiro a m’mbuyo, kufikira $948 pa mlungu wa 2026, kwa milungu 26 pamene munthu akufunafuna ntchito yatsopano. Mlungu uliwonse amapindula kuchokera pa $40 mpaka $948 mu 2026, kuŵerengera monga 50% ya malipiro anu apaavhareji a mlungu ndi mlungu mkati mwa nyengo ya kukhazikika.

Ku Washington, kaamba ka zinenezo zoperekedwa mu 2026, ndalama za phindu la mlungu ndi mlungu zimachokera ku $366 yochepera $1,152 mlingo. Ndalamazo zimaŵerengeredwa kuchokera ku malipiro kuchokera ku nyumba ziŵiri zokwerera zokulira m’nyengo yanu yokulira yogaŵidwa ndi 52. Mungathe kulandira masabata 26 a mapindu, pa chiwonkhetso cha $29,952 m’chaka chanu cha phindu.

Ubwino wa Ulova

Utali wa phindu ndi masabata 26 m'maiko ambiri, koma kuyambira pa milungu 12 ku Arkansas ndi North Carolina mpaka milungu 30 ku Massachusetts. Mayiko ena agwiritsa ntchito njira zosinthasintha nthaŵi yoyambira pamlingo wa ulova wa boma kapena kuchuluka kwa milungu imene munagwira ntchito m'nyengo yanu yoyambirira.

Mikhalidwe yapadera ingasonkhezere maprogramu amene amafutukula mapindu oposa milungu 26. Mwachitsanzo, pamene kutsika kwa chuma kapena mliri kupangitsa ulova wa boma kukwera, Mapindu Owonjezera angakhalepo. Komabe, mufunikira kutopetsa mapindu anu anthaŵi zonse choyamba musanayenerere kuwonjezera ntchito iliyonse.

Mmene Mungagwiritsire Ntchito Mapindu a Ulova

Njira yothandizira ulova yasinthidwa m'mayiko ambiri, posainira njira yoyambayi tsopano.

[[FULT:0] Pamene Mungagwiritsire ntchito

Muyenera kulemba m'mapepala ntchito yanu mwamsanga mutachotsedwa ntchito. Mapindu samakhala otsalira tsiku lanu lomaliza la ntchito, koma mmalo mwake amayamba kuyambira pa mlungu umene mukonza. Kuchedwa kufunsira kwanu kumatanthauza kutaya masabata ambiri a mapindu.

[[FL:0] Chidziŵitso Chofunika [[ML:1]

Pofunsira mapindu a ulova, khalani ndi chidziŵitso chotsatirachi:

  • Chiŵerengero cha Chisungiko
  • Layisensi ya Driver kapena nambala ya ID ya boma
  • Maadiresi ndi masiku a ntchito onse amene mabwana onse apeza m’miyezi 18 yapitayi
  • Nambala ya Kuzindikira Wolemba Ntchito Waudindo (FAIN) ngati ilipo
  • Zimene mwamva zokhudza kusiya ntchito
  • Chikalata cha maakaunti a ku banki choikizira ndalama
  • Nambala ya kulembetsa aien ngati simuli nzika ya U.S.

[[ML:0] Kukonza nthaŵi [[[ML:1]

Ngati mumalemba pa Intaneti ndipo mulibe nkhani zokuthandizani, mungayembekezere malipiro anu oyamba a milungu iŵiri ndi inayi mutamaliza pepala lanu loyamba. Zimenezi zimaphatikizapo nthawi yokonzekera, yoyankha, nthawi yodikira mlungu umodzi, ndi yokonza ndalama.

Kulingalira Bwino za Mapindu a Ulova

[Kusagwira ntchito kuli phindu lokhoza kukhometsa msonkho [[FUL:1]

Nkofunika kwambiri kumvetsa kuti mapindu a ulova amalingaliridwa kukhala malipiro oyenera a msonkho pa mlingo wa boma ndi m'maiko ambiri. Mukalemba mawu anu oyamba, mudzakhala ndi chosankha cha kukhala ndi msonkho wa boma ndi boma womanidwa pa ndalama zanu za mlungu ndi mlungu. Akatswiri ambiri a zachuma amavomereza kusankha chosankha chimenechi kuti mupeŵe ndalama za msonkho waukulu pamene mukonza msonkho wanu wa pachaka.

[[Nthambi:0] Kugwira Ntchito ya Gawo-Nthaŵi Pamene Kulandira Mapindu [[FULT:1]

Mungathe kugwira ntchito nthaŵi ina ndipo mukhozabe kupeza mapindu. Kwenikweni, kugwira ntchito nthaŵi imodzi kaŵirikaŵiri kumawonjezera chiŵerengero cha milungu imene mungapeze. Malipiro owonjezereka angakuthandizeninso kuyenerera kaamba ka kufunsira kwatsopano pamene chaka chanu chaphindu chitha. Komabe, ndalama zanu zaganyu zidzachepetsa mapindu anu a mlungu ndi mlungu mogwirizana ndi ndalama zimene boma lanu limalandira.

[[ML:0] Kusintha [[ML:1]

Zochita zina zingakulepheretseni kulandira mapindu a ulova, kaya kwakanthaŵi kapena kosatha:

  • Kungodzipatsa modzifunira kuti musiye ntchitoyi popanda chifukwa chabwino
  • Kuchotsedwa ntchito chifukwa cha khalidwe loipa
  • Kukana ntchito yoyenera popanda chifukwa chabwino
  • Kulephera kufunafuna ntchito mwakhama
  • Kunena zabodza pa zimene mukunena
  • Kusakhala opezeka pantchito (monga ngati kukhala patchuthi kapena kudwala kwambiri kwakuti simungathe kugwira ntchito)

Chitsogozo Chogwira Mtima cha Maprogramu a Chitukuko

Maprogramu a Welfare, otchedwanso maprogramu a kuthandiza anthu a boma, amaphatikizapo njira zosiyanasiyana za boma zothandizira anthu opeza ndalama zochepa ndi mabanja awo kuti apeze zofunika zawo zazikulu. Mosiyana ndi inshuwalansi ya ulova, yomwe yazikidwa pa mbiri ya ntchito isanakhale, maprogramu ambiri a zaumoyo amayesedwa, kutanthauza kuti kukhala wokhoza kumadziŵika makamaka ndi ndalama ndi katundu.

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

SNAP Program ya chiwongola dzanja, yomwe kale inkadziwikabe kuti Food Stamp Program, ndi programu ya boma la United States imene imapatsa chakudya chopukutirapo pang'onopang'ono ndi anthu osalandira kuti awathandize kukhala ndi chakudya chokwanira ndi thanzi. Ndi programu ya boma yothandiza yoyendetsedwa ndi Dipatimenti ya Zaulimi (USDA) mu U.S.

[[ML:0] ZIYENZO ZOYENDEZERA

Anthu ndiponso mabanja angayenerere kupeza phindu ngati alandira ndalama zambiri mwezi uliwonse ndiponso ngati ndalama zolipirira pa mwezi zimene zili 130 peresenti ndi 100 peresenti kapena kucheperapo, monga momwe boma limachitira pa umphaŵi wa banja.

[[ML:0] Malo oikidwiratu

Maseŵero ayenera kuchepa pa malire ena: mabanja opanda chiŵalo cha zaka 60 kapena kuposapo kapena ali ndi chilema ayenera kukhala ndi ndalama zokwanira $3,000 kapena zocheperapo; mabanja okhala ndi chiŵalo chotero ayenera kukhala ndi chuma cha $4,500 kapena ochepera. Komabe, kudalira pa boma limene mukukhalamo, mungakhale okhoza kukhala ndi zinthu zambiri kuposa malire apamwambawo ndipo mungakhalebe oyenerera ku SNAP. Mabungwe ambiri a boma atengera kuchuluka kwa malamulo (BCE), kumene kumachititsa mabungwe a boma kukhazikitsa ndalama ndi zigamu zawo zoyendetsera katundu ndi maprogramu ake a ATANFFFF.

[[ML:0] Mmene Mapindu a SNAP Amaŵerengedwera [[FULT:1]

Chiwonkhetso chonse cha SNAP chimene banja lanu limalandira mwezi uliwonse chimatchedwa gawo. Chifukwa chakuti mabanja a SNAP amayembekezeredwa kuwonongera pafupifupi 30 peresenti ya chuma chawo pa chakudya, gawo lanu limaŵerengeredwa mwa kuchulukitsa ndalama zimene banja lanu limalandira mwezi ndi 0.3, ndi kuchotsapo zotsatira za kugaŵidwa kwa mwezi uliwonse kwa ukulu wa banja lanu.

Mwachitsanzo, phindu lalikulu la banja la anthu atatu mu 2026 ndi $785. phindu lalikulu limene limachepetsedwa pa zopereka zapanyumba zokwana madola 785 mlingo wa $124) n’lofanana ndi $661 pa banja lopeza ndalama zokwana $412.

[[MLENGO:0] Mmene Mungagwiritsire Ntchito Mapindu a SNAP[[FULT:1]

Mwezi uliwonse, magetsi amawonjezera khadi la ELCF FREAT trand (EBT) logwiritsira ntchito pogula chakudya. Kadi la EBT limagwira ntchito ngati khadi la debit khadi ndipo lingagwiritsiridwe ntchito m'masitolo a masitolo, m'masitolo, msika wogulitsira zinthu, ndi misika ya alimi. Mungathe kugula zakudya zambiri, koma phindu la SNAP silingagwiritsiridwe ntchito kaamba ka moŵa, fodya, zakudya zotenthetsa, kapena zinthu zosakhala zakudya.

Kutsalira pa SNAP

Kufunsira SNAP, lankhulani ndi ofesi yanu kapena maofesi a SNAP. Malinga ndi boma lanu, mukhoza kutumiza chidindo chofunsira chakudya pa Intaneti, mwachindunji, papositi, kapena pa fax. Mungafunikire kutengamo mbali pofunsa musanavomereze kuti mulandire phindu la SNAP. Maboma ambiri tsopano amapereka mapulogalamu a pa Intaneti ofunsira ndi ma apulogalamu a m'mafoni kuti athandize kuti zinthu zikhale bwino.

[[MPHAMVU:0] Makonzedwe Osiyanasiyana a Okalamba ndi Opunduka

SNAP ili ndi malamulo apadera amene amathandiza okalamba (azaka 60 ndi okalamba) ndi opunduka. Kwa banja lokhala ndi munthu wokalamba kapena wopunduka, malo onse ogona angachotsedwe ndalama zopitirira theka la ndalama zimene amalandira. Zimenezi zingawonjezere kwambiri phindu la mabanja oyenerera okhala ndi nyumba zapamwamba.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

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programme-TANF Imiterere

TANF ndi programu yopatsa ndalama, kutanthauza boma lopereka ndalama ku mayiko, amene kenaka amapanga ndi kuyendetsa maprogramu awo m'zitsogozo za boma. Zimenezi zimatulukapo kuchuluka kokulira, kuchuluka kwa maprogramu, ndi zofunika za pulogalamu kuchokera ku boma kupita ku boma. Maboma ena ali ndi maina awo a maprogramu awo a TANF.

KUSAONEKA[[FULT:1]

Zofunika za kuchuluka kwa TANF kaŵirikaŵiri zimaphatikizapo:

  • Kukhala ndi mwana wosakwanitsa zaka 18 (kapena wosakwana zaka 19 ngati wophunzira wanthaŵi zonse)
  • Kutenga mimba
  • Mukhoza kukwanitsa kuchita zinthu zina ngati mmene boma limachitira
  • Kukhala nzika ya United States kapena kukhala woyenerera kukhala wosakwanira
  • Kugwirizana ndi osungitsa ana
  • Kukwaniritsa zofunika za ntchito kapena kuchita nawo ntchito

[[ML:0] TANF Zofunika Zantchito [[[ML:1]

ANTHU ambiri amene amapatsidwa chithandizo cha ku Taiwan amafunika kuchita nawo ntchito kuti apindule.

  • Ntchito yosagonjetseka kapena yosafuna kukakamizidwa
  • Kuphunzitsa job
  • Kufufuza ntchito ndi kuithandiza
  • Maprogramu a utumiki wa m’Chitaganya
  • Maphunziro a zamaphunziro a ntchito zosiyanasiyana
  • Kuphunzitsa ntchito bwino lomwe
  • Maphunziro anali okhudza mwachindunji ntchito ya anthu amene analibe dipuloma ya ku sekondale

[[ML:0] Malire a nthaŵi

Malamulo a boma amaletsa ndalama zogulira ndalama kwa miyezi 60 kwa zaka 5 zokha, ngakhale kuti mayiko angaike malire a nthawi yochepa ndipo angasiye kuchuluka kwa ndalama zokwana 20 peresenti pa zimene amafunikirazo chifukwa cha mavuto. Mayiko ena agwiritsa ntchito nthawi yochepa kapena zinthu zosiyanasiyana pa mapulogalamu awo.

Phindu ndi Mautumiki [[FULT:1]

Kuwonjezera pa kupereka ndalama, maprogramu a TANF nthaŵi zambiri amapereka:

  • Mwana amawathandiza makolo pantchito kapena kupezeka pa maphunziro
  • Thandizo la zoyendera
  • Maphunziro a Ntchito
  • Mautumiki a osamalira za kudwala
  • Mautumiki othandiza mabanja kuti apeze zosowa zawo

Ntchito Yosankha Nyumba (Chiphunzitso 8)

Chigawo Chosankha Nyumba Voucher Program, chodziŵika kwambiri monga Chigawo 8, ndi programu yaikulu ya boma yothandiza mabanja opeza ndalama zochepa, okalamba, ndi anthu olumala kuti apeze nyumba zabwino, zotetezeka, ndi zaukhondo m'masitolo. Programu imeneyi imayendetsedwa ndi mabungwe a boma (PH).

[[Ntchito:0] Mmene Programuyo imagwirira ntchito

Opereka malo osungira nyumba amalola mabanja oyenerera kusankha nyumba zawo, kuphatikizapo nyumba za banja limodzi, nyumba za tauni, ndi nyumba zogona. Banja limalipira pafupifupi 30% ya ndalama zawo zosinthidwa mwezi ndi mwezi ku lendi ndi zipangizo zothandizira, ndipo PHA imalipira zotsalazo kwa mwininyumba. Nyumbazo ziyenera kukwaniritsa miyezo yathanzi ndi ya chisungiko yokhazikitsidwa ndi Hud.

[[ML:0] Zofunika Zosatheka

Kuti mukhale woyenerera kulembetsa nyumba, ndalama za banja lanu siziyenera kupitirira 50% ya ndalama zoulutsira nkhani za m'dera lanu kapena m'dera la tauni. Monga momwe zimafunikiridwa kupereka 75% ya ofunsira amene ndalama zawo sizipitirira 30% ya ndalama za malo oulutsira nkhani. Kulephera kudaliranso pa:

  • Kukula kwa banja ndi kalembedwe kake
  • Unzika kapena malo oyenerera osamukirako
  • Kutsatira njira zopimira PHA, zimene zingaphatikizepo kupima upandu ndi mbiri ya lendi

Komiti ya Mouse ndi Kuyembekezera

Chifukwa cha kuchuluka kwa anthu ofunikira thandizo ndiponso chifukwa cha kuchepa kwa ndalama, anthu ambiri a ku PH monga momwe alili ndi mindandanda yoyembekezera anthu olemba mapepala osonyeza malo okhala.

  • Pezani PHA ya kwanuko kuti mudziwe ngati akuvomera
  • Malizitsani kulemba kalatayi pamene ndandanda yodikira yatseguka
  • Muzilembanso zinthu zimene zingakuthandizeni kupeza ndalama, katundu, ndi kulemberana nkhani za banja
  • Dikirani mukadzadziwa dzina lanu pamene lifika pamwamba pa ndandanda
  • Pitani pa chigawo chachidule ndi kulandira pepala lanu ngati lasankhidwa
  • Pezani nyumba yabwino pa nthawi imene PHA

Kuimira [

PHH imathandiza kwambiri pa ntchito yosankha malo ogona. Ngati mulandira chikalata chotsimikizira kuti mukhoza kugwiritsa ntchito malowo, mukhoza kugwiritsa ntchito malo alionse ku United States kumene PHA imapanga pulogalamu yosonyeza malo ogona.

Medicaid

Medicaid ndi programu ya boma limodzi imene imafalitsa zaumoyo kwa mamiliyoni a Aamereka, kuphatikizapo achikulire, ana, akazi apakati, achikulire, ndi anthu olumala. Medicaid ndi gwero lalikulu la zaumoyo ku United States.

[[MLT: 0] Kulephera [

Kukhoza kwa Medicaid kumasiyanasiyana malinga ndi boma, koma kaŵirikaŵiri kumaphatikizapo:

  • Mabanja otsika okhala ndi ana
  • Akazi oyembekezera
  • Ana ndi Anyamata
  • Okalamba (65 ndi achikulire)
  • Anthu olumala
  • M’maiko ofutukula, achikulire okhala ndi ndalama zofikira 138% a mlingo wa umphaŵi wa boma

Kufutukuka kwa Medicaid

Affordible Care Act inapereka chosankha cha kufutukula Medicaid kwa achikulire ndi malipiro kufika 138% ya mlingo wa umphaŵi wa boma. Pa 2026, maboma ambiri agwiritsira ntchito kufutukuka kwa Medicaid, kuwonjezereka kwakukulu kwa kupezeka kwa thanzi kwa achikulire olandira ndalama zochepa. Komabe, maboma ena sanakulitse Medicaid, kupangitsa mpata wophikira anthu achikulire opeza ndalama zochepa amene amapeza ndalama zambiri kwambiri kuti ayenerere ku Medicaid koma ali ndi ndalama zochepa kwambiri zopezera inshuwalansi ya za malonda.

[[ML:0] Zokhala ndi Medicaid [1]

M’gulu la apolisi a ku Medicaid muli zinthu zambiri zokhudza thanzi, kuphatikizapo izi:

  • Maulendo a madokotala ndi chisamaliro cha kutetezera
  • Kugona m’chipatala ndiponso kuthandizidwa pa ngozi
  • Mankhwala
  • Kupima m’labhoritari ndi ma X-rey
  • Kugwiritsa ntchito mankhwala osokoneza bongo ndiponso kumwa mankhwala osokoneza bongo
  • Kuthandiza mwana kukhala ndi pakati komanso kubereka
  • Anthu okalamba ndi olumala amene amasamalidwa kwa nthaŵi yaitali
  • Kusamalira ana akakhala ndi mano komanso maso

Kutsalira pa Medicaid

Mungafunsire ku Medicaid kupyolera m’masitepe angapo:

  • Bungwe la boma lanu
  • Msika wa Inshuwalansi ya Zaumoyo ku HealthCare.gov
  • Dipatimenti yakwanu ya Mautumiki Othandiza Anthu
  • Zipatala ndi malo osamalira anthu kaŵirikaŵiri ali ndi chithandizo cha olembetsa

Palibe nyengo yodziŵira medicaid . Mukhoza kufunsira panthaŵi iriyonse chaka chonse. Ngati mwapeza kuti muyenerera, kufalitsa kumayamba mwezi umene munafunsira kapena mwezi umene munayenerera.

Programu Zathandizo Zachisawawa

Maprogramu General Arciption (GA), otchedwanso General Selurment or County, ndizo maprogramu a boma kapena a chigawo chakwawo amene amapereka ndalama zothandizira anthu olandira ndalama zochepa amene sayenerera maprogramu a chithandizo cha boma. Maprogramu ameneŵa amasiyana kwambiri ndi malo, ndipo si magawo onse kapena madera amene amapereka iwo.

Amene Amapangitsa Kuti Pakhale Thandizo la Kazembe

Thandizo Lalikulu limagwira ntchito:

  • Anthu achikulire osakwatiwa alibe ana
  • Mabanja opanda ana
  • Anthu oyembekezera chivomerezo cha mapindu a kupunduka kwa boma
  • Anthu amene alephera kuchita zinthu zina pa nthawi imene satha kuchita zinthu
  • Anthu amene sakwaniritsa zofunika zenizeni za maprogramu ena

[[FUL:0] Zopinga ndi Zopinga [[FUL:1]

Mapindu a chithandizo chachisawawa ali ochepetsetsa ndipo angaphatikizepo:

  • Malipiro ochepa a mwezi ndi mwezi
  • Thandizo ndi lendi kapena mankhwala
  • Kuthandiza madokotala m’mayiko ena
  • Thandizo la Mwadzidzidzi

Maprogramu ambiri a Chithandizo cha Onse ali ndi malire a nthaŵi, zofunika za ntchito, ndi zofunika za kukhala. Pezani Dipatimenti ya Mautumiki a Mayanjano akwanu kuti mudziŵe ngati Athandizo Yachisawawa iripo m’dera lanu ndi zimene zimafunikira zenizenizo.

Programu Zowonjezereka Zochirikiza

Kuwonjezera pa maprogramu aakulu amene takambiranawa, maprogramu ena angapo othandiza anthu ndi mabanja angathandizire kukwaniritsa zosoŵa zapadera.

Programu Yapadera ya Zakudya za Akazi, Makanda, ndi Ana (Wic)

Wic amapereka ndalama ku maboma za chakudya chowonjezera, mankhwala owonjezera, ndi maphunziro a zaumoyo kwa anthu otenga mimba yochepera, kuyamwitsa, ndi kuyamwitsa akazi osabereka, ndi kwa makanda ndi ana a zaka zisanu amene amapezeka kuti ali pangozi ya kudya.

Mapindu a `[FL:0] Amaphatikizapo:

  • Zakudya zomanga thupi zowonjezereka zimakonzedwa kuti zithandize anthu amene amatenga nawo mbali pa chakudya
  • Maphunziro a Zakudya ndi Uphungu
  • Kupima ndi kupima chithandizo cha mankhwala ndi chithandizo cha anthu
  • Kukweza ndi kuchirikiza maŵere

WIC si njira yolozera kuti anthu azilandira ndalama, ndipo izi zikutanthauza kuti bungweli silimaika ndalama zoyendetsera ntchito ya boma yopereka ndalama zimene boma limalola kuti anthu azikhala ndi udindo wopereka ndalama zambiri chaka chilichonse.

Ntchito Yothandiza Magetsi a Panyumba (LIHEAP)

LIHEAP imathandizira mabanja opeza ndalama zochepa ndi ndalama zawo zamagetsi, kuthandiza ndi ndalama zotenthetsa ndi kuziziritsa, chithandizo cha mphamvu yamagetsi, ndi kukonzanso kwa mphepo ndi mphamvu zoyendera nyumba. Programu imeneyi imayendetsedwa ndi maboma, magawo, ndi mafuko, amene iliyonse imaika zofunika zake zosatha kutsata zitsogozo za boma.

[Kuthandiza: 0]

  • Thandizo Lotentha:
  • Thandizo Lothandiza: Thandizo ndi ndalama zoziziritsa m'miyezi yachilimwe
  • I MPUNDO: Zamsanga zingakuthandizeni pamene mukuyang'anizana ndi ngozi yotenthetsa kapena kuziziritsa
  • Kusintha kwa mautumiki: kuti nyumba yanu ikhale yosagwira bwino magetsi

NDALAMA zoyendetsera ndalama za RIAP n’zochepa ndipo mapulogalamu ambiri amagwira ntchito pa ndalama zimene apeza, choyamba.

Kupeza Chisungiko Chowonjezereka (SSI)

SSI imalipira mwezi uliwonse anthu ovutika ndi ndalama zochepa, osaona, kapena a zaka 65 kapena kuposapo. SSI njosiyana ndi mapindu a Social Security . SSI imapindula ndi pulogalamu yodalira pa zofunika ndi ndalama za msonkho wa anthu onse, osati misonkho ya Social Security.

[[ML:0] Z kisikiwa:[[Kusintha:1]

  • Khalani ndi zaka 65 kapena kuposa pamenepo, osaona, kapena opunduka
  • Okhala ndi ndalama zochepa
  • Khalani nzika ya United States kapena kukwaniritsa zofunika zosafunika kwenikweni
  • Kuchilumba china cha ku Central America, ku chigawo cha Columbia, kapena ku Northern Mariana Islands
  • Musamakhale kudzikoko mwezi wonse wa kalendala kapena masiku 30 otsatizana kapena kuposapo
  • Mwina mungapemphere zinthu zina kuti zikupindulitseni

Kuti mulembe fomu yofunsira ku SSI, lankhulani ndi bungwe la Social Security Administration, pa Intaneti, kapena kupita ku ofesi ya nthambi yakwanuko ya zachitetezo, ndipo zimenezi zingafunike kulemba zinthu zambiri zokhudza matenda anu, ndalama zimene mumalandira, ndiponso ndalama zimene mungathe kupeza.

Programu ya Moyo wa Munthu (Phone ndi Intaneti)

Programu ya moyo wa pa foni ndi intaneti yochepetsedwa imapereka ntchito yoyeneretsa ogula olandira ndalama zochepa. Programuyi imayendetsedwa ndi Federal Communications Commission (FCC) ndipo imathandiza kutsimikizira kuti Aamereka onse ali ndi mwaŵi wa mautumiki ofunika a kulankhulana.

[[ML:0] Mapindu a moyo:

  • Kuwononga ndalama pa foni ya mwezi ndi mwezi, pa Intaneti, kapena pamitolo ya mawu oletsedwa
  • Banja lililonse limapindula ndi moyo
  • Amapezeka kwa opereka chithandizo

Mukhoza kuyenerera moyo ngati ndalama zanu ziri pa zitsogozo zaumphaŵi za boma kapena ngati mutengamo mbali m’maprogramu ena othandiza onga SNAP, Medicaid, SSI, Federal Public Hosspective Arevice, kapena Veterans Penssion ndi Opulumuka Apindula.

Kuona Mmene Mungagwiritsire Ntchito Njira Yogwirira Ntchito

Kufunsira thandizo la boma kungakuchititseni kumva kukhala kolemetsa, koma kumvetsetsa njirayo ndi kukonzekeretsedwa kungaipeputse kwambiri.

Kusonkhanitsa Mndandanda Wofunika

Maprogramu ambiri a chithandizo amafunikira mitundu yofanana ya zikalata. Kukhala ndi zikalata zimenezi musanagwiritse ntchito kungachititse kufulumira:

  • Kuzindikiritsa: [[FLT: 1] laisensi ya woyendetsa galimoto, ID ya boma, satifiketi ya kubadwa, kapena pasipoti
  • Makhadi a Chisungiko: kwa ziŵalo zonse za m'nyumba
  • Chitsimikiziro cha Kubwezera: Ndalama za kulephera, pangano, kapena pepala la kubwereka nyumba
  • Kutsimikizira: Patsani zopereŵera, zobweza msonkho, ndemanga za phindu la ulova, makalata a Social Security awards
  • Ndemanga za Bonga: Ndemanga zaposachedwapa za maakaunti onse
  • Chikalata chowonjezera: Malisiti a pepala, ma giramu, chisamaliro cha mwana, kulipira mankhwala
  • Mapepala osintha anthu: Ngati agwiritsidwa ntchito, umboni wa malo oyenera oloŵera m'dziko

Kumvetsa Kutsimikizira ndi Kufunsa

Maprogramu ambiri a chithandizo amafunikira kufunsidwa monga mbali ya kufunsirako. Zimenezi zingachitidwe mwaumwini, mwa foni, kapena mowonjezereka kupyolera m’kukambitsirana kwa pa vidiyo.

  • Onaninso mmene mungagwiritsire ntchito mfundo zokwanira ndiponso zolondola
  • Muzifunsa mafunso okhudza mmene mumachitira zinthu zapakhomo, ndalama zimene mumapeza komanso ndalama zimene mumawononga
  • Fotokozani zofunika pa pulogalamu ndi maudindo anu
  • Pemphani mapepala owonjezereka ngati akufunika
  • Yankhani mafunso anu okhudza pulogalamuyi

Kupereka chidziŵitso chonyenga kungachotse mapindu, kutha kwa mapindu amene alipo, ndi kuthekera kwa kumangidwa kwaupandu.

Kulembanso ndi Kulemba Zofunika

Maprogramu ambiri a chithandizo amafunikira chikalata chapadera chapanthaŵi ndi nthaŵi kuti mutsimikizire kuti mulibe kuyenerera. Nthaŵi zolembera zikhoza kusiyanasiyana pa pulogalamu ndi boma koma kaŵirikaŵiri zimachitika pa miyezi 6 mpaka 12 iliyonse. Mudzalandira chidziŵitso nyengo yanu yolembera isanathe ndi malangizo a mmene mungabwezeretsere.

Pakati pa nyengo zotsimikizira, mufunikira kudziŵitsa masinthidwe ena kwa wofufuzayo, kuphatikizapo:

  • Kusintha kwa kalembedwe ka m’nyumba (ana, imfa, munthu wina wosamukiramo kapena kutuluka)
  • Kusintha kwa ndalama kapena ntchito
  • Kusintha kumene kuli adiresi yathu kapena mameseji athu
  • Kusintha kwa chuma kapena chuma
  • Kusintha kwa ndalama zowonongedwa monga za lendi kapena kusamalira mwana

Kulephera kufotokoza zinthu zimene zikufunika kusintha kungakupatseni malipiro opitirira malire amene mungafunikire kulipira, kapena malipiro ochepa amene angachititse kuti musalandire phindu lililonse limene mungathe kulandira.

Ufulu Wanu ndi Udindo

Ufulu Wanu Monga Mapindu Olandiridwa

Monga wofunsira kapena wolandira chithandizo cha boma, muli ndi kuyenera kofunika:

  • Kuyenera Kugwiritsira ntchito: Muli ndi kuyenera kwa kufunsira pa programu iriyonse imene mukhulupirira kuti mungakhale woyenerera kaamba ka
  • Kufikira ku Kukonza kwa Nthaŵi: Kusanthula kwanu kuyenera kupangidwa mkati mwa madesiki anthaŵi yoikika yokhazikitsidwa ndi programu iriyonse
  • Kumanja ku Chidziŵitso Cholembedwa: Muyenera kulandira chidziŵitso cholembedwa cha chosankha chirichonse ponena za mapindu anu, kuphatikizapo zivomerezo, kukana, ndi kusintha
  • Kumanja kukakopa: Muli ndi kuyenera kwa kukopa chosankha chilichonse chimene simukugwirizana nacho kupyolera m'njira yoyenerera ya kumvetsera
  • [[MLT:0] Kuyenera ku Chinsinsi: Chidziŵitso chanu chaumwini chiyenera kusungidwa chachinsinsi ndi kugwiritsiridwa ntchito kokha pazifuno zogwirizana ndi kutsimikizira kukhala wovomerezeka ndi kugaŵira mapindu
  • Kuyenera ku Kuchitira Ulemu: Muli ndi kuyenera kwa kuchitiridwa ulemu ndi antchito a programu
  • Kumanja ku Language A help: Ngati simulankhula Chingelezi, muli ndi kuyenera kwa kumasulira ndi mautumiki otembenuza

Udindo Wanu

Pamodzi ndi zoyenera, palinso maudindo:

  • Chidziŵitso Cholondola: Muyenera kupereka chidziŵitso chowona ndi chathunthu pa ndandanda yanu ndi m'lipo lonse
  • Kusintha kwa pepala la Stock : Muyenera kusimba za kusintha kwa mikhalidwe yanu mkati mwa madesiki a nthaŵi osonyezedwa ndi programu yanu
  • Agwirizana ndi Kutsimikizira: Muyenera kupereka zolembedwa zopemphedwa ndi kugwirizana ndi ntchito zotsimikizira
  • Kugwirizana ndi Programu: Muyenera kutsatira zofunika zonse za programu, kuphatikizapo zofunika za ntchito, ntchito zofufuza ntchito, ndi kugwiritsira ntchito bwino mapindu
  • Mapangano Oikizidwa: Muyenera kupezekapo pa kufunsa kondandal'uzi, kuikidwa, ndi ntchito zofunikira
  • Malipire Olipiridwa: Ngati mulandira mapindu amene simunayenere kubwezera, muli ndi thayo la kuwabwezera

Mmene Zinthu Zimayendera

Ngati mukana kufunsira kwanu kapena ngati mapindu anu achepetsedwa, muli ndi kuyenera kwa kufunsira chosankhacho. Kuchondererako kumaphatikizapo:

  • Kujambula Apilo Olembedwa: Mulembe chikalata chanu mkati mwa nthaŵi imene pepala latchuli latchulidwa (makamaka masiku 30 mpaka 90)
  • Mapindu Opitira: M'maprogramu ena, mungakhale okhoza kupitiriza kulandira mapindu pamene apilo lanu likudikira ngati mukonza mafaelo a nthaŵi yakutiyakuti
  • Kumva: Mudzakhala ndi mwaŵi wa kupereka mlandu wanu pa mlandu kwa ofisala wosakondera wa kumva
  • Kuperekedwa: Muli ndi kuyenera kwa kuimiridwa ndi loya kapena woimira wina pa mlanduwo
  • Umboni: Mukhoza kupereka zikalata, umboni, ndi mboni kuchirikiza mlandu wanu
  • Chosankha: [[FT:1] Mudzalandira chigamulo cholembedwa cholongosola zopezedwa za ofisala wa makutu
  • Kukopa kobwerezabwereza: Ngati simukugwirizana ndi chigamulo cha mlandu, mungakhale ndi kuyenera kwa kupitiriza apilo kupyolera m'khoti

Musawope kuchondererako. Mabungwe opereka chithandizo chalamulo ndi magulu achinyengo kaŵirikaŵiri angapereke chithandizo chaulere.

Kuwonjezera Mapindu Anu

Kugwiritsa Ntchito Mapulogalamu Amitundumitundu

Anthu ambiri ali oyenerera kaamba ka maprogramu ambiri a chithandizo panthaŵi imodzi. Kwenikweni, kutengamo mbali m'programu imodzi kungayenerere inu kaamba ka ena mwa kuyenerera kokulira. Mwachitsanzo, ngati ziŵalo zonse za banja lanu zilandira thandizo Lakanthaŵi kaamba ka Mabanja Osoŵa (TANF), Security Income (SI), kapena m'malo ena chithandizo chachisawawa, banja lanu lingawonedwe kukhala "loyenerera kwambiri" kaamba ka SNAP chifukwa chakuti mwakhala mutatsimikiza kale kuyenerera programu ina ya njira zoyesera.

Talingalirani za kufunsira maprogramu onse amene mungakhale oyenerera kaamba ka:

  • Ngati muli paulova, funsirani mapindu a ulova ndi SNAP
  • Ngati muli ndi ana, fufuzani TANF, SNAP, Medicaid, WIC, ndi chithandizo cha ana
  • Ngati mukuvutika ndi ndalama zogulira nyumba, funsirani kuti mupeze nyumba ndi LIA
  • Ngati ndinu wachikulire kapena wopunduka, fufuzani SSI, SNAP, Medicaid, ndi chithandizo cha nyumba

Kumvetsa Zomwe Amapindula Nazo Akamadwala

Malo amodzi a magetsi ang'onoang'ono a ndalama amachitika pamene ndalama zowonjezereka ziwonongeka kwambiri, kumangokusiyani ndi ndalama zambiri kuposa kale. Izi zingachitike mukapeza ndalama zambiri, kuwonjezera maola anu a ntchito, kapena kuyamba ntchito yatsopano. Kupeŵa kapena kuchepetsa materezi:

  • Muzidziwa mmene ndalama zimene mumapeza zingakhudzire chilichonse
  • Mufunseni wogwira ntchito kuti awerengetse mmene kusintha ndalama zimene mumapeza kungakupindulitsireni
  • Ganizirani ngati kuvomereza ntchito yowonjezereka kapena kukwera ndalama kudzawongoleradi mkhalidwe wanu wa zachuma
  • Muzifufuza mapulogalamu amene amathandiza kuti musamatenge nthawi yaitali kuti muone ngati mukusiya kupuma
  • Kufufuza mapindu osiyanasiyana amene amapitirizabe kwa nyengo yaitali mutakhala pantchito

Kugwiritsa Ntchito Mautumiki Othandiza

Maprogramu ambiri othandiza amathandizira anthu popanda kupeza ndalama kapena chakudya.

  • Kuphunzitsa Ntchito ndi Maphunziro: Maprogramu ambiri a TANF amapereka maphunziro aulere a ntchito, maprogramu a GED, ndi maphunziro a ntchito
  • Thandizo la Mwana: Thandizo ndi ndalama zosamalira mwana pamene mukugwira ntchito kapena kupezekapo pa maphunziro
  • A MPENDEREZO: Maprogramu ena amapereka njira za basi kapena chithandizo ndi mtengo wa zoyendera
  • Kuyang'anira kwa [1] Ntchito ndi wogwira ntchito yokonza makina kuti mupange mapulani opezera kukhutiritsa kwaumwini
  • Maprogramu a zachuma a Kuŵerenga ndi Kuŵerenga: Makalasi aulere pa kulinganiza, kusunga, ndi kuyang'anira ndalama
  • Mautumiki a Kusintha: Yambani kulemba, kufunsa, ndi kupatsa anthu ntchito

Mavuto Amene Anthu Ambiri Amakumana Nawo Ndiponso Zimene Angachite

Kutsatira Malamulo Mochedwa

Kugwiritsa ntchito makompyuta nthawi zina kungatenge nthawi yaitali kuposa mmene ankayembekezera.

  • Sungani makope a zonse zimene mumapereka
  • Muziyesetsa kugwiritsa ntchito makina anu otere nthawi zonse
  • Lembani mawu onse, kuphatikizapo masiku, nthaŵi, ndi amene munalankhula nawo
  • Mufunseni za njira yokonzera ngati mukuyang'anizana ndi vuto lamwadzidzidzi
  • ◯ Kulankhulani ndi bwana ngati simukulandira mayankho kuchokera kwa wogwira ntchito
  • Pemphani chithandizo ku mabungwe alamulo kapena amalonda ngati kuchedwa kuli kosayenera

Kukambirana Nkhani Zotsimikizira

Nthaŵi zina kupeza zikalata zofunikira kutsimikizira kungakhale kovuta. Ngati muli ndi vuto:

  • Funsani wogwira ntchito yosamalira zigaŵenga ngati njira zina zodziwira kuti ndi yololeka
  • Pemphani chithandizo ku bungwe lopeza zikalata
  • Perekani kalata yofotokoza chifukwa chake simukupeza zikalata zina
  • Sonyezani kutsimikizira kochepera pamene mukuyesetsa kupeza zikalata zotsala
  • Funsani za njira zodziyesera nokha kuti mupeze mitundu ina ya chidziŵitso

Kusamalira Malipiro Opambanitsa

Ngati mwalandira chilolezo chopambanitsa, musataye mtima. Njira zina zoperekera malipiro opambanitsa ndi monga:

  • Kusintha ngati sikuli bwino:[[FT:1] Ngati mukhulupirira kuti kugamulapo kopambanitsa nkulakwa, konzeretsani kukopa mwamsanga
  • Kupempha kulolera: [[FT:1] Nthaŵi zina, mukhoza kukhazikitsa malipiro otsikirapo ochepera pa ndalama zonse
  • Mabungwe ambiri akugwira nanu ntchito kukhazikitsa makonzedwe a malipiro otsika mwezi ndi mwezi
  • quest Waiver: Ngati malipiro atakhala osalakwa ndi kubwezera kungachititse mavuto, mukhoza kupempha wobwezera
  • Pansi pa Kubwezera: Ngati mukali kulandirabe mapindu, bungwelo lingachepetse mapindu amene muli nawo tsopano kuti mupezenso malipiro opambanitsa

Chuma ndi Pamene Mungapeze Thandizo

Zinthu Zofunika Kwambiri M’boma

Mawebusaiti angapo a boma ali ndi mfundo zambiri zokhudza mapulogalamu othandiza anthu:

  • Benefit.gov: Iloshala yokwanira ya boma ndi boma yopindulitsa maprogramu ndi chiŵiya chopimira kukuthandizani kudziŵikitsa maprogramu amene mungakhale oyenerera kaamba ka
  • USA.gov: Chitsogozo chalamulo ku chidziŵitso ndi mautumiki a boma, kuphatikizapo maprogramu othandizira
  • TCYP] Maboma ambiri ali ndi webusaiti yopatulidwa yothandizira mapulogalamu a mapulogalamu a pa Intaneti ofunsira ndi chidziŵitso
  • : [ Dial 211 kuchokera ku foni iliyonse kugwirizanitsa ndi zipangizo zakumaloko ndi maprogramu a chithandizo m'mudzi wanu

Mabungwe a Aid Yalamulo ndi Akhaziki

Thandizo laulere la lamulo limapezeka kwa anthu olandira ndalama zochepa osamalira nkhani za phindu:

  • [[MLT:0] Komiti ya Mautumiki a Malamulo: Pezani ofesi yanu yalamulo yothandizira anthu pa lc.gov
  • National Association of Consumer Services: Zoperekazo zimapereka maloya kwa maloya amene amathandiza ndi nkhani za ogula
  • State Bar Associations: Ambiri amapereka mautumiki a loya ndi maprogramu a prono
  • Makiliniki a Sukulu a mlomo: Sukulu zambiri za malamulo zimagwira ntchito m'zipatala zimene zimapereka mautumiki aulere aulere

Mabungwe a Anthu

Mabungwe a m’deralo angapereke chithandizo chofunsira, kuchirikiza umbombo, ndi chuma china:

  • Zochita za Anthu
  • Nkhokwe zosungiramo chakudya ndi zakudya
  • Magulu ozikidwa pa chikhulupiriro
  • Malo ogona opanda nyumba ndi opezera anthu zofunika pautumiki
  • Malo Aakulu ndi Madera Omwe Akuyendera Ukalamba
  • Mabungwe olepheretsa ufulu wachibadwidwe
  • Mabungwe autumiki othaŵa kwawo ndi othaŵa kwawo

Kukonzekera Kupambana kwa Nthaŵi Yaitali

Ngakhale kuti maprogramu othandiza amathandiza kwambiri panthaŵi zovuta, cholinga chachikulu ndicho kupeza ndalama zoyendetsera ntchito. Nazi njira zothandizira kuti zinthu ziyende bwino:

Kumanga Luso ndi Maphunziro

Gwiritsirani ntchito mwa inu mwini kupyolera m’maphunziro ndi kukulitsa luso:

  • Muzigwiritsa ntchito mapulogalamu a ntchito aulere amene mabungwe ophunzitsa ntchito a ku Taiwan kapena ku kampani yoona za ntchito
  • Yesetsani kuchita zinthu moyenera ngati mulibe dipuloma
  • Maprogramu a koleji ofufuza m’chitaganya, amene ambiri a iwo amapereka chithandizo cha ndalama kwa ophunzira olandira ochepa
  • Muziphunzira zinthu zina pogwiritsa ntchito mapulogalamu a pa Intaneti
  • Muzigwira nawo ntchito yophunzitsa anthu ntchito yolipiridwa

Kulinganiza Ndalama ndi Zomanga Zoyenera

Ngakhale kuti muli ndi ndalama zochepa, mukhoza kuyamba kumanga ndalama:

  • Lembani bajeti yopezera ndalama zimene mungazipeze
  • Konzani ndalama zimene mumasunga kuti muzisunga ndalama zochepa nthawi zonse
  • Kafufuzidwe Kachipangizo Kothandiza Munthu Payekha (IDAS) kamene kakugwirizana ndi ndalama zanu
  • Gwiritsirani ntchito mautumiki a misonkho aulere ndi kupempha ngongole zonse zimene mufunikira, kuphatikizapo Inhoot Rehomed Task
  • Peŵani mautumiki a ndalama ovuta monga ngongole za tsiku lolipira ndi kuyang’ana ndalama
  • Muzipereka ndalama zambiri kwa anthu ena

Kupita Patsogolo kwa Ntchito

Muziganizira kwambiri za ntchito imene mukufuna kuti ikhale yaikulu:

  • Kugwira ntchito ndi alangizi a ntchito yolembedwa kuti mudziwe ntchito zimene mungathe kuchita komanso kuti mungathe kupita patsogolo
  • Muzipeza ntchito kuti mukhale ndi mwayi wopita patsogolo
  • Chisonkhanitsidwa ndi akatswiri a mbali yanu ya chikondwerero
  • Pezani mabwana amene amapereka mapindu, maphunziro, ndi kupititsa patsogolo zinthu
  • Talingalirani za kuyamba ndi malo apamwamba amene amapereka njira zowonekera bwino za kukwezedwa
  • Pitirizani kukulitsa maluso ngakhale mutagwira ntchito

Kumaliza

Kumvetsa maprogramu ameneŵa, kudziŵa zoyenera zanu, ndi kupeza zinthu zimene muli nazo kungakuthandizeni kwambiri kuti muthe kupirira mavuto ndi kulimbikira kuchepetsa mavuto a m’nthaŵi yaitali.

Kumbukirani kuti kufunafuna chithandizo sikuli chizindikiro cha kulephera . Maprogramu ameneŵa alipo chifukwa chakuti chitaganya chathu chimazindikira kuti aliyense angakumane ndi mavuto osayembekezereka. Kaya mulimbana ndi kuchotsedwa ntchito, kuvutikira kupeza chakudya, kapena kufuna chithandizo cha ndalama zowonongedwa ndi nyumba kapena zaumoyo, chithandizo chiripo.

Mukhale ndi nthaŵi yofufuza maprogramu onse amene mungayenerere, kusonkhanitsa zikalata zofunikira, ndipo musazengereze kufunafuna chithandizo kwa antchito ofufuza milandu, mabungwe opereka chithandizo chalamulo, ndi chuma cha anthu. Mwa kulimbikira ndi kuchirikiza koyenera, mungayendetse maprogramu ameneŵa mwachipambano ndi kuwagwiritsira ntchito monga miyala yowolokerapo kuti mufikire zonulirapo zanu ndi kupanga mtsogolo mwachisungiko.

Njira ya ku mavuto a zachuma ndi kukhazikika si nthaŵi zonse, koma ndi chichirikizo cha maprogramu ameneŵa ndi kutsimikiza mtima kwanu, nkotheka. Gwiritsirani ntchito chuma chimene muli nacho, gwiritsirani ntchito maphunziro anu ndi maluso, ndi kupitirizabe kugwira ntchito kufikira zonulirapo zanu zazitali. Programu zimenezi zakonzedwa kukuthandizani panthaŵi zovuta. Zigwiritsireni ntchito mwanzeru pamene mukukulitsa kufikira mtsogolo mowala kwambiri.