Table of Contents

Kunzwisisa nhamo dzemari kunogona kuva kukuru, asi kunzwisisa gadziriro dzokushaya mabasa nedzegarikano dzinowanika kwauri kunogona kuita musiano mukuru mukukwanisa kwako kuchengeta dzikamo munguva dzakaoma. Iyi gadziriro yamambure okudzivirira ngozi yehurumende iripo kuti igovere tsigiro yechinguvana apo unoshanda kurusununguko rwemari. Ungave wakarasikirwa nebasa rako nguva pfupi yapfuura, uri kutamburira kubhadhara zvokudya zvemhuri yako, kana kuti unoda betsero nendyiko dzedzimba, pane zvinhu zvakagadzirirwa kukubetsera kudzokera kutsoka dzako.

Iyi nhungamiro ine udzame ichakufambisa nomubetsero dzakasiana - siana dzourovha negadziriro dzebetsero dzegarikano dzinowanika muUnited States, kutsanangura zvinodikanwa zvokuva akakwana, udzame hwokushandisa, uye kugovera mashoko anoshanda kukubetsera kuwana tsigiro yaunoda.

Kunzwisisa Betsero Dzeinishuwarenzi Yourovha

Betsero dzourovha muUnited States dzinopiwa kupfurikidza nebatira pamwe yehurumende yakagadzwa muMutemo weSocial Security wa1935 neFederal Weatrought Tax Act (FUTA). Nepo hurumende yehurumende ichiisa nhungamiro dzapasi pevhu, zvirongwa zvehurumende imwe neimwe ndokushandisa inishuwarenzi yayo yourovha (UI) — kugadza zvitsama zvebetsero, nhambo yebetsero, uye gadziriro dzokubvisa migove zvakazvimirira. Ikoku kunoreva kuti betsero chaidzo nezvinodikanwa zvinogona kusiana zvikuru zvichitsamira panzvimbo yaunogara.

Chii Chiri Betsero Dzourovha?

Betsero dzourovha imari yechinguvana inogoverwa kuvashandi vakakodzera avo vakarasikirwa namabasa avo pasina mhaka yavo vamene. Idzi betsero dzakarongedzerwa kugovera mutsivi wemari yakaderera apo unotsvaka nokushingaira basa idzva. Purogiramu inobhadharwa kupfurikidza nemushandirwi anobhadhara mitero yemitero, kwete mipiro yavashandi, uko kunoreva zvikurukuru kuti wakawana iyi betsero kupfurikidza nebasa rako rakapfuura.

Chinangwa chikuru cheinishuwarenzi yokushaya basa ndechokugovera bhiriji remari mukati mokuchinja kwemabasa, kuchikubetsera kuchengeta mwero wakati wesimba remari apo unenge uchitsvaka mikana yakakodzera yebasa.

Zvinodikanwa Zvinooneka Nokuda Kwebetsero Dzourovha

Nepo nyika imwe neimwe ichigadza mipimo yayo imene yokushanda nokuda kweinishuwarenzi yourovha, maruwa mazhinjisa anoda vatauri kuti vasvitse iyi migariro yavose: vakaparadzaniswa kupfurikidza nemhosho yavo vamene. Muhurumende zhinjisa, kuva asina kushaikwa kunoda kuti muteshi abviswe basa rake nemhaka yokubvisa, kuderedza simba, kuvharwa kwekambani, kana kuti kushaikwa kwebasa riripo — kwete nemhaka yokurega kwokuzvidira kana kuti kubviswa kwomufambiro usina kururama. Dzimwe nyika dzinobvumira betsero nokuda kwavashandi vanorega ne "zvikonzero zvakanaka" (zvakadai semigariro yokushanda, kunetsa, kana kuti zvimwe zvikonzero zvemhuri), asi rondedzero yemhoshoro yezvikonzero zvakanaka inosiana nehurumende.

[[[Nguva ine muganhu] Nhambo yokupa zvinodikanwa[

Vazviti vanofanira kuva vakawana chitsama chiduku chemari inotambirwa kana kuti vakashanda chiverengero chidukusa chevhiki mukati menhambo yapasi. Nguva inovakirwa inowanzova nzvimbo dzokutanga ina dzekarenda yapedzwa yashanu usati wanyora zvauri. Somuenzaniso, kana uri kushanda muna 2026 muNew Jersey, unofanira kuva wakawana inenge $10 pavhiki 20 kana kuti kupfuura mubasa rakafukidzwa mukati megore rako rapashure, kana kuti hwerengedzo yeinenge $15 500.

Nyika dzakasiana - siana dzine zvinodikanwa zvemari. MuWashington, unofanira kuva washanda anenge maawa 680 mukati megore rako rapashure. Kana usingakwaniri munhambo yenguva dzose, nyika zhinji dzinopa imwe nhambo yakavakirwa iyo inoshandisa mari yemisi ichangobva kupfuura iyi zvikuru kusarudza kunzwika.

[[[NHAU] Zvinodiwa Kukosha Kunoenderera mberi[

Kuti upfuurire kugamuchira betsero dzourovha, unofanira kusvitsa zvinodikanwa zvinoverengeka zvinopfuurira:

  • Yakajeka uye Inowanika Kubasa: Unofanira kukwanisa uye kuwanika kushanda (somuenzaniso, kwete kunze kwetaundi pazororo) ndokusvitsa zvinodikanwa zvokutsvaka basa.
  • Kutsvaka kwamabasa: Inodokuva nyika dzose dzinoda vatauri kuti vaite kutsvaka basa kwokushingaira semugariro wokuramba uchiitwa. Masangano mazhinjisa anoda mapepa emibato yokutsvaka basa (zvakadai sechiverengero chavashandirwi vakaenzana pavhiki) apo anovimbisa betsero dzevhiki nevhiki.
  • Zvibvumikiso zvamanyuko: Unofanira kunyora vhiki nevhiki kana kuti kutaura kwevhiki nevhiki kubvumikisa kuti unoramba usingashandi uye unopfuurira kusvitsa zvinodikanwa zvose zvinoda kupiwa.
  • Bvuma Basa rakakodzera: Unofanira kuva anodisa kugamuchira basa rakakodzera. Basa rinowanzorangarirwa kuva rakakodzera kana richiwirirana nounyanzvi hwako, ruzivo rwokuzviwanira, uye rovedzo, kunyange zvazvo rondedzero yebasa rakakodzera ingawedzera apo unoramba usingashandi kwenguva refu.

Unogona Kuwana Zvikuru Sei Mukubetsera Kwourovha?

Kubetserwa kwezvitsama zvourovha kunosiana zvikuru nehurumende. Zvitsama zvikuru zvevhiki nevhiki zvinovambira pa $22035 muMississippi kusvikira ku $1,105 muMassachusetts (kubatanidza mari inotsamira pamunhu). Nyika zhinjisa dzinoverenga betsero yako yevhiki nevhiki seinenge 50% yomubhadharo wako weavhareji yevhiki nevhiki mukati menhambo yapashure, kusvikira kuukuru hwehurumende.

Somuenzaniso, muMinnesota, betsero dzinogovera inenge 50% yemiripo yapamberi, kusvika kuukuru hwe $948 pavhiki nokuda kwa 2026, kwevhiki dzinosvika 26 apo munhu mumwe nomumwe anenge achitsvaka basa idzva. Vhiki nevhiki anobetserwa netsangara rinobva pa $40 kusvikira ku $948 muna 2026, inoverengwa se50% yomubhadharo wako weavhareji yevhiki nevhiki mukati menhambo yapachivande.

MuWashington, nokuda kwokutaura kwokuzviwanira kwakaiswa muna 2026, mari yevhiki nevhiki inovambira pa $366 kusvika ku $66 (Z $156) ukuru. Chitsama chacho chinowanwa pahwaro hwemari inobva mudzimba mbiri dzakakwirira zvikurusa munhambo yako yapamusoro zvikurusa yakakamurwa na 52, Unogona kugamuchira kusvikira kuvhiki 26 dzebetsero, nokuda kwehwerengedzo hurusa ye $99 952 mukati megore rako rebetsero.

Nguva Yebetsero Dzourovha

Nguva inogarobetsera mavhiki 26 munyika zhinjisa, asi inovambira pavhiki 12 muArkansas neNorth Carolina kusvikira kuvhiki 30 muMassachusetts. Dzimwe nyika dzakashandisa gadziriro dzourefu hwenguva hunochinja zvakavakirwa pamwero wourovha wehurumende kana kuti chiverengero chamavhiki wakashanda mukati menhambo yako yapakuvamba.

Mamiriro ezvinhu chaiwo anganyandura mapurogiramu anotambanudza betsero dzinopfuura vhiki 26. Somuenzaniso, apo derero kana kuti denda rinoparira mwero wourovha wenyika kukwira, Betsero Dzinowedzerwa dzinogona kuwanika. Zvisinei, ungafanira kutanga kupedza betsero dzako dzenguva dzose usati wakwanirisa nokuda kwekuwedzera kupi nokupi.

Nzira Yokushandisa Nayo Betsero Dzourovha

Kushanda kwebetsero dzourovha kwakagadzirwa kuva kwazvino uno munyika zhinji, nokunyora paIndaneti zvino mutoo mukuru. Zvino ndezvaunoda kuziva:

Nguva yokushandisa[

Unofanira kunyora pasi urovha hwako nokukurumidza sezvinobvira pashure pokurasikirwa nebasa rako. Betsero hadzisati dzichitongova dzinodzokororwa nezuva rako rokupedzisira rebasa, asi panzvimbo pezvo mavambo evhiki raunonyora zvaunotaura. Kunonoka kumbiringa yako kunoreva kurasikirwa nebviro yebetsero.

[[[FRANT:0] Mashoko Auchada [

Pakutsvaka betsero dzourovha, iva nemashoko anotevera akagadzirira:

  • Nhamba Yechengeteko Yavanhu
  • raisensi ye Driver kana kuti nhamba yeID yehurumende
  • Kero dzakakwana nemisi yebasa nokuda kwavashandirwi vose mumwedzi 18 yapfuura
  • Nhamba Yokuisa Mushandirwi Webasa (FAIN) kana ichiwanika
  • Mashoko pamusoro pokuparadzana kwako nebasa
  • Mashoko eakaundi yebhengi nokuda kwenzvimbo yakananga
  • Nhamba yokunyoresa yeAlien kana usati uri mugari weU.S.

[[[IDH] Inoronga Nguva[

Kana ukanyora paIndaneti uye usina nyaya dzinokubetsera, unogona kutarisira mari yako yokutanga mavhiki 2-4 pashure pokunyora mashoko ako okutanga. Izvi zvinosanganisira nguva yokugadzirira, mhinduro yawaishandira, nguva inodiwa yokumirira vhiki rimwe, uye kudzorwa kwemari. Kutaura kunoda kutsiviwa kungatora mavhiki matatu kana kuti 6 kana kuti kupfuura.

Kufunga Kunokosha Pamusoro Pebetsero Dzourovha

[[[[K:0] Betsero dzokusashanda Dzisingabhadharwi [[[FUNDO: 1]]

Kunokosha kunzwisisa kuti betsero dzourovha dzinorangarirwa kuva mari inobhadharwa pamutero wehurumende uye munyika zhinjisa. Kana ukanyora kutaura kwako kwokutanga, uchada zvawo kuva nemitero yehurumende nehurumende inonyimwa pamitero yako yevhiki nevhiki. Nyanzvi dzemari zhinji dzinorumbidza kusarudza chisarudzo ichi kudzivisa mutero mukuru apo unotumira mutero wako wegore negore.

[[[NHAU] Kushanda chikamu chenguva apo Unogamuchira Betsero[[FRANTA]

Unogona kushanda nguva imwe chete uye uchiri kuwana betsero. Kutaura idi, kushanda nguva imwe kazhinji kazhinji kunotambanudza chiverengero chamavhiki wanogona kuwana betsero. Mibairo yokuwedzera ingakubetserawo kukwanirisa nokuda kwechibvumirano chitsva apo gore rako rinobetsera rinopera. Zvisinei, mari yako yenguva imwe ichaderedza chaizvoizvo betsero yako yevhiki nevhiki mukuwirirana nemupimo wemari inotakurwa yehurumende yako.

[[[FRANT:0]Dictions

Zvimwe zviito zvinogona kukuita kuti usakodzere kuwana betsero dzourovha, zvichida kwenguva pfupi kana kuti yechigarire:

  • Kurega nokuzvidira pasina chikonzero chakanaka
  • Kudzingwa nokuda kwomufambiro usina kururama
  • Kuramba basa rakakodzera pasina chikonzero chakanaka
  • Kukundikana kutsvaka basa nokushingaira
  • Kutaura nhema pane zvaunotaura
  • Kusawanika nokuda kwebasa (kwakadai sokuva pazororo kana kuti kurwara zvikuru zvokusagona kushanda)

Nhungamiro Inogutsa Kuzvirongwa Zvechigaro

Zvirongwa zveWelfare, zvinozivikanwawo semapurogiramu ebetsero yavose, zvinosanganisira zvirongwa zvakawanda zvehurumende zvakagadzirirwa kubatsira vanhu vanowana mari shoma uye mhuri kuti dzikwanise kuva nezvinodiwa zvavo zvikuru. Kusafanana neinishuwarenzi yokushaya basa, iyo yakavakirwa panhau yebasa isati yatanga, mapurogiramu akawanda ezvegamuchidzano anoedzwa, zvinoreva kuti kuva nenzwi rakanaka kunosarudzwa nemari nezvinhu.

Chirongwa Chokuyamura Nezvokudya Zvomumuviri (SNAP)

Somupiyuta weInternotion Appration Program (SNAP), yaichimbova uye ichiri kuzivikanwa seFoood Stamp Program, igadziriro yehurumende yeUnited States iyo inogovera betsero inonhunganira zvokudya yakaderera uye vanhu vasina vaipinda kuti vavabetsere kuchengeta zvokudya zvakakwana noutano. Ipurogiramu yeyamuro yehurumende inopiwa neBato reU.S. reAgriculture (USDA) pasi peFood neFORTUtion Service (FOR) (FSI), kunyange zvazvo betsero dzichigoverwa namasangano eU.S.

[[[ITSORO] ZVINOTAURWA [

Vanhu uye mhuri vangakodzera kuwana mari yakawanda inotambirwa pamwedzi uye mari inotambirwa pamwedzi ine 130% ne100 kana kuti pasi, pamwe chete, yourombo hwehurumende hwepamwe imba.

[[FFLT:0] Dzinodzika miganhu [

Zvitsama zvinofanira kudzika miganhu yakati: mhuri dzisina mutezo une makore 60 kana kuti kukura kana kuti urema dzinofanira kuva nezvinhu zvinokwana $3 000 kana kuti mishoma; mhuri dzine mutezo wakadaro dzinofanira kuva nezvinhu zve $4,500 kana kuti pasi. Zvisinei, zvichitsamira pahurumende yaunogara, ungakwanisa kuva nezviwanikwa zvakawanda kupfuura miganhu iri pamusoro apa uye zvichiri zvinobvira kuSNAP. Masangano akawanda ehurumende akagamuchira masangano akafara edigimic (BCE), anobvumira masangano ehurumende kuronga mari neganhuriro dzemari nepurogiramu dzawo dzeTANFFF.

[[[NHAU] Maverengero anoita Betsero DzeSV

Hwerengedzo yeSNAP inowana mhuri yako mwedzi mumwe nomumwe inonzi mugove. Nemhaka yokuti mhuri dzeSNAP dzinokarirwa kupedzera inenge 30 muzana yepfuma yadzo dzimene pazvokudya, mugove wako unoverengwa kupfurikidza nokuwanza mari yeimba yako yomwedzi nomwedzi na0.3, uye kubvisa muuyo kubva mugove wakawanda womwedzi nomwedzi nokuda kweukuru hwemhuri yako.

Somuenzaniso, betsero hurusa muna 2026 nokuda kwemhuri ine madhora matatu $785 (Z $564 764) inova namabhadharo emhuri ane mambure $412 (Z $4464).

[[[FRANT:0] Nzira yokushandisa nayo Betsero dzeSNOP

Mwedzi mumwe nomumwe, SAP inowedzerwa kukadhi reElectronic Benecter Foundation (EBT) rokushandisa apo unotenga zvokudya. Kadhi reEBT rinoshanda sekadhi redebit uye rinogona kushandiswa muzvitoro zvemarosa, masupamaketi, zvitoro zvinobetsera, uye misika yavarimi. Unogona kutenga zvokudya zvizhinjisa zvezvokudya, asi SAP haigoni kushandiswa nokuda kwedoro, fodya, zvokudya zvinopisa, kana kuti zvinhu zvisiri zvokudya.

[[[FRANT:0] Kuisira SNAP

Kunyorera SNAP, nyorera hofisi yenyika yako kana kuti hofisi yeSNAP yomunzvimbomo. Zvichitsamira pahurumende yako, ungakwanisa kutumira chitambi chekushandira zvokudya paIndaneti, pafoni, pafoni, kana kuti nefax. Ungada kutora rutivi mubvunzurudzo usati watenderwa nokuda kwebetsero dzeSNAP. Nyika dzakawanda zvino dzinopa maappal es ewebrocat neserura kuti zviite kuti zvive zvakanakira.

[[[Njere] Gadziriro dzeChikamu cheChikamu chaMazera Nevakaremara[

SNAP ine mitemo chaiyo inobetsera vakwegura (vakwegura vane makore 60 navakuru) uye vakaremara. Kune mhuri ine mutezo wakwegura kana kuti wakaremara, pokugara panogona kudhura inopfuura hafu yemari inotambirwa nemhuri. Ikoku kunogona kuwedzera zvikuru chitsama chebetsero nokuda kwedzimba dzinokwaniriswa dzine mari yakakwirira yedzimba.

Betsero Yechinguvana Nokuda Kwemhuri Dzine Kushayiwa (TANF)

. . . . . . . . . . . .

programme TanF Programme

TANF ipurogiramu inopa mari, kureva kuti hurumende yehurumende inogovera mari kunyika, iyo ipapo inoronga ndokushandisa mapurogiramu ayo imene mukati menhungamiro dzehurumende. Ikoku kunoguma nemhatsa huru muzvitsama zvakanakira, mipimo inodikanwa, uye zvinodikanwa zvepurogiramu kubva kunyika kuenda kuhurumende. Dzimwe nyika dzine mazita adzo dzimene nokuda kwepurogiramu dzadzo dzeTANF.

[TANF [

Zvinodikanwa zvekufara zvetembiricha yeTANF zvinowanzobatanidza:

  • Kuva nomwana ari pasi pemakore 18 (kana kuti ari pasi pe 19 kana mudzidzi wenguva yakazara) achigara newe
  • Kuva nepamuviri
  • Muganhu wekuwana mari uye wezvinhu zvinokosha wakagadzwa nehurumende yako
  • Kuva mugari weUnited States kana kuti kukwaniriswa kusiri kwemari
  • Kubatira pamwe navanochengeta tsigiro yavana
  • Kuita zvinodiwa kubasa kana kuti kuita mabasa ane chokuita nebasa

[TANF Zvinodikanwa zvebasa[

VANHU vakawanda vanogamuchirwa neTTANF vanofanira kuita mabasa kuti vabatsirwe.

  • Basa risingakundiki kana kuti risingakurudzirwi
  • Pajob rovedzo
  • Kutsvaka basa uye kubatsira kwaro
  • Zvirongwa zvebasa romunharaunda
  • Rovedzo yedzidzo yemabasa
  • Kurovedza unyanzvi hwebasa zvakananga
  • Dzidzo yakabatana zvakananga nebasa raavo vasina dhipuroma rechikoro chapamusoro

[[INDA] Nguva [

Tsika dzemitemo yehurumende dzinoganhurirwa dzeTTANF dzemari dzemwedzi 60 kwemwedzi 5 muupenyu hwose, kunyange zvazvo nyika dzinogona kuisa ganhuriro pfupi yenguva uye dzingasaita 20% yezvadzinowana nemhaka yenhamo. Dzimwe nyika dzakashandisa ganhuriro pfupi yenguva kana kuti zvivako zvakasiyana nokuda kwepurogiramu dzadzo.

TANF Betsero naMabasa

Mukuwedzera kubetsero yemari, mapurogiramu eTANF anowanzogovera:

  • Mwana anobatsira vabereki kuti vashande kana kuti vapinde rovedzo
  • Rubatsiro rwokufambisa
  • Kurovedza basa uye zvirongwa zvedzidzo
  • Masangano okutarisira mhaka
  • Mabasa anobatsira mhuri kuti dzikwanise kugutsikana

Chirongwa Chokusarudza Dzimba (Kuwana Nguva 8)

Purogiramu yeProm House Choucher, inowanzozivikanwa seChikamu 8, ipurogiramu huru yehurumende yehurumende yokubetsera mhuri dzinowana mari yakaderera zvikuru, vakwegura, uye vanhu vakaremara kuti vawane dzimba dzakanaka, dzakakotsekana, uye dzine utsanana mumisika yavanhu. Purogiramu yacho inoitwa munharaunda nemasangano edzimba dzavose (PH).

[[[Nhamba: 0] Mashandiro anoita Purogiramu[

Varidzi vedzimba vanobvumira mhuri dzakakodzera kusarudza dzimba dzavo vamene, kubatanidza misha yemhuri imwe, dzimba dzetaundi, uye mafurati. Mhuri inobhadhara inenge 30% yemari yavo yakagadziridzwa mwedzi nomwedzi kurendi nezvinoshandiswa, uye PHA inobhadhara yasara yacho zvakananga kuna muridzi wemba. Dzimba dzinofanira kusvitsa mipimo mishomanene youtano nekotsekano yakagadzwa naHud.

[[[ITSV:0] Zvinodikanwa zvokusagona kunzwisiswa[[[MVURA]

Kuti ufanirwe nechekunyora, mari yemhuri yako haifaniri kupfuura 50% yemari inotambirwa yenzvimbo yako kana kuti yeguta guru. Sezvo ichifanira kupa 75% yevakumbiri vavo vamari inotambirwa vasingapfuuri 30% yemari inotambirwa nenhau dzomunharaunda.

  • Ukuru hwemhuri nembiri
  • Ugari hwemo kana kuti nzvimbo yokutama inokodzera
  • Kusvitsa mipimo yokuongorora yePHA, iyo ingabatanidza nzvero dzoutsotsi nenhau yokurenda

[ Gadziriro yeMuitiro neDzinda dzokumirira[[CML:1]

Nemhaka yokudiwa zvikuru uye kusanyanyowandirwa mari, vakawanda vane mapepa akamirira kwenguva refu evanenge vapa mapepa okugara. Mamwe mapepa okumirira anovharwa kuvatsva, asi mamwe angangovhurwa panhambo nenhambo. Pakunyora:

  • Taura nePHA yekwaunogara kuti uone kana vari kubvuma kushandirwa
  • Pedzisa chirongwa chacho panenge pavhura ndaza yokumirira
  • Rondedzera kuti uwane zvinyorwa zvemari, zvinhu, uye kunyora nhoroondo yemhuri
  • Mirira kuti ukurukure apo zita rako rinosvika pamusoro pendaza
  • Pinda rusando rupfupi ndokugamuchira tepi yebvunzi rako kana rasarudzwa
  • Wana imba yakakodzera munguva inodudzwa nePHA

Chitarwa [

Chimwe chakanakisisa cheNzvimbo Yokusarudza Nzvimbo yeHome inonzi Voucher Program isingachinjiki. Kana ukagamuchira chibvumikiso, unogona kuchishandisa kunzvimbo ipi neipi muUnited States uko PHA inoshandisa chirongwa chekuratidza nzvimbo dzedzimba. Ikoku kunobvumira mhuri kutamira kunzvimbo dzine mikana yebasa iri nani, zvikoro, kana kuti kuva pedyo nemhuri.

Médicaid

Medicaid ipurogiramu yehurumende yehurumende yakabatana inogovera chiverengero choutano kumamirioni eAmerica, kubatanidza vakuru vanotambira mari shoma, vana, vakadzi vane pamuviri, vakura, uye vanhu vakaremara.

[[ Kusazvinyima

Kukodzera Medicaid kunosiyana - siyana nehurumende, asi kazhinji kazhinji kunobatanidza:

  • Mhuri dzinouya dzichiri pasi dzine vana
  • Vakadzi vane pamuviri
  • Vana Nevechiduku
  • Vakwegura (65 uye vakuru)
  • Vanhu vakaremara
  • Munyika dzinowedzera, vakuru vane mari inosvika 138% yomwero wourombo womubatanidzwa

[ Kukura kweMedicaid

Affordicus Care Act yakapa chisarudzo chokuwedzera Medicaid kuvakuru nemari inowanwa kusvika ku 138% yemwero wourombo womubatanidzwa. Kusvikira muna 2026, nyika zhinjisa dzakagamuchira kukura kweMedicaid, kuwedzera kukuru zvikuru kusvika kunzvimbo dzoutano dzavakuru vanowana mari shoma. Zvisinei, dzimwe nyika hadzina kukudza Medicaid, kuchiparira mukaha wekufukidza vanhu vakuru vanowana mari yakaderera zvikuru zvokusagona kukwaniriswa nokuda kwetsika dzekare Medicaid asi vashomanene zvikuru zvokugona kubhadhara inishuwarenzi yemisitiri.

[ Zvitendero zvakafukidzwa ne Medicaid

Medicaid ine chokuita nemabasa akawanda outano, anosanganisira:

  • Kushanyirwa nachiremba uye kutarisirwa
  • Kugara muchipatara uye kurapwa kwevanenge vawirwa nenjodzi
  • Mishonga Inoshandiswa Kana Wapiwa
  • Kuongorora murabhoritari uye maX-rey
  • Utano hwepfungwa uye kurapwa nezvinodhaka
  • Kubata pamuviri uye kubatsira pakusununguka
  • Vakwegura nevakaremara vanotarisirwa kwenguva refu
  • Kutarisira vana kunoitwa nemazino uye kuona

[ Kuisira Medicaid

Unogona kukumbira nokuda kweMedicaid nomumikoto inoverengeka:

  • Seta yeMedicaid yehurumende yako
  • Musika weInishuwarenzi Youtano paHealthCare.gov
  • Dhipatimendi Remasangano Okubatsira Vanhu romunzvimbomo
  • Zvipatara uye nzvimbo dzezvoutano munzanga kazhinji kazhinji zvine betsero dzokunyoresa dzinowanika

Hapana nguva yokunyoresa yakazaruka nokuda kwaMedicaid() ungagona kukumbira panguva ipi neipi mugore rose. Kana ukawana kuti kwakakodzera, kufukidza kunowanzovamba mwedzi wawakakumbira kana kuti mwedzi wawava wakakodzera.

Gadziriro Dzorubatsiro Dzakawanda

Gadziriro dzeGeneral Anice (GA), dzinozivikanwawo seGeneral Service o County Relup, zvirongwa zvehurumende kana kuti zvemari inobhadharwa zvinopa mari yemari kukubatsira vanhu vanowana mari shoma vasingakwanirisi nokuda kwepurogiramu dzebetsero dzehurumende. Zvirongwa izvi zvinosiyana zvikuru nenzvimbo, uye hazvisi nyika dzose kana kuti nzvimbo dzinovapa.

[ Anoita kuti dziwane Rubatsiro Rukuru

Rubatsiro Rukuru runoshanda chaizvoizvo:

  • Vanhu vakuru vasina kuroorwa vasina vana vavanoraramira
  • Varoorani vasina vana
  • Vanhu vakamirira tendero yebetsero dzeurema hwehurumende
  • Vanhu vakaneta nenguva yavo yeTANF
  • Vanhu vasingasviki zvinodikanwa chaizvoizvo zvezvimwe zvirongwa

[[[FF:0] Bhenifit neganhuriro[[FT:1]

Betsero huru dzebetsero dzinowanzova dzakaderera uye dzingabatanidza:

  • Mibhadharo miduku yemari inobhadharwa mwedzi nomwedzi
  • Rubatsiro nerendi kana kuti zvinoiswa mukati
  • Kurapwa mune dzimwe nzvimbo
  • Rubatsiro rwekurumidziro nokuda kwemigariro yenjodzi

Gadziriro zhinji dzeYamuro dzine ganhuriro dzakakomba dzenguva, zvinodikanwa zvebasa, uye zvinodikanwa zvokugara. Kumbira Dhipatimendi rako romunzvimbomo reMarivhiro kuti uzive kana Dare reNzvimbo reYamuro richiwanika munharaunda yako uye zviri zvinodikanwa chaizvo.

Humwe Hurongwa Hwokutsigira

Kupfuura mapurogiramu makuru ataurwa pamusoro apa, mamwe mapurogiramu anoverengeka okubatsira anogona kubatsira vanhu nemhuri kuti dzikwanise kuita zvinhu chaizvo zvinodiwa.

Purogiramu Yezvekudya Zvomumuviri Zvorumwe Rudzi Nokuda Kwavakadzi, Vacheche, uye Vana (WIC)

WiC inogovera mari kuhurumende nokuda kwezvokudya zvokuwedzera, mishonga yokutarisira utano, uye dzidzo yezvokudya zvinovaka muviri nokuda kwenhumbu shoma dzinoberekwa, kuyamwisa, uye vakadzi vasina kusununguka, uye kuvacheche navana vanosvika zera ramakore mashanu avo vanowana njodzi yezvokudya zvinovaka muviri.

[[[FAMU]] ZVINHU ZVAKAIPA zvinobatanidza:[[CURT:1]

  • Zvokudya zvinovaka muviri zvakagadzirirwa kugutsa zvinodiwa nevanenge vachitaura
  • Dzidzo yezvokudya uye kupa zano
  • Kuongorora uye kuongorora mishonga yezvoutano uye yemasangano enzanga
  • Kusimudzirwa kwamafuta namazamu netsigiro

ZVINOTAURWA NEVAMWE VECHIDUKU VECHIDUKU VANOBVUNZA KUTI ZVINOTAURWA NENYIKA ZVINOTAURWA NEVAMWE VECHIDUKU ZVINOBVUNZA KUTI ZVINOTAURWA NENYIKA.

Chirongwa Chokuyamura Nemagetsi Mumusha Chiri Kubhadharwa Zvishoma (LIHEAP)

ZVINOTAURWA ZVINOTAURWA ZVINOTAURWA ZVINOBHAYISA ZVINOBHAYISA ZVINOTAIDZA ZVIKAMBANISISA ZVINOSHUMIRA ZVIMWE ZVENHU, ZVINOITA kuti mamiriro okunze agadziriswe, uye mamiriro okunze emagetsi anogadziriswa. Purogiramu yacho inoitwa nehurumende, ndima, uye madzinza, imwe neimwe inoisa zvinodiwa zvayo munhungamiro dzomubatanidzwa.

[[[INDA] Rubatsiro rweRIHEYA:

  • [[FT:0] Kubatsira: Kubatsira nokudziyisa mari mumwedzi yechando
  • [[FT:0] Rubatsiro Runopa mari: Rubatsiro nokudziyisa mukati memwedzi yezhizha
  • [[FT:0] CORIS help: Rubatsiro rweNhamo yeNyapanyu kana kuti kunonotsa apo unenge watarisana nekurumidziro yokudziyisa kana kuti kutonhodza
  • Kushanda: Kuitira kuti musha wako uve wakawanda unoshanda zvakanaka

Mari yeLIHEAP yakaganhurirwa, uye mapurogiramu akawanda anoshanda pakuwana mari yokutanga, kutanga kwainenge yachengetwa. Kurukurai hofisi yemo kana kuti yemunharaunda ye LIHEAP pakuvamba kwomwaka wokudziyisa kana kuti wokutonhodza kuti mushandise.

Kuchengeteka Kwezvimwe Zvine Mwero (SSI)

SSI inobhadhara mari yemwedzi nemwedzi kuvanhu vane mari shoma uye zvinhu zviduku vakaremara, mapofu, kana kuti vane makore 65 kana kupfuura. SSI yakasiyana neyakasiyana neyakarerekera kuremadzwa kweSocial Security. Chirongwa chinotsigirwa nemari yemitero, kwete mitero yeSocial Security.

[[[Didziro: 0] Zvinodikanwa:

  • Iva nemakore 65 kana kupfuura, bofu, kana kuti urema
  • Vane mari shoma uye mari shoma
  • Iva mugari weUnited States kana kuti svitsa zvinodikanwa zvakati zvisiri zvemari
  • Paruwa rweColumbia, kana kuti rweNorthern Mariana Islands, pane imwe yenyika 50
  • Usambofa uri munyika yacho kwemwedzi wakazara wekarenda kana kuti mazuva 30 anotevedzana kana kuti kupfuura
  • Kukumbira zvimwe zvinhu kungakodzera

Kutsvaka SSI, taura neSocial Security Administration, Indaneti, kana kuti kushanyira hofisi yeko yeSocial Security.

Chirongwa Choupenyu (Phone Nekubatsira PaIndaneti)

Purogiramu yeModelline inogovera basa rerunhare neInternet rakaregeredzwa kukwanirisa vatengi vanotambira mari shoma. Purogiramu yacho inopiwa neFederal Communications Commission (FCC) uye inobetsera kuva nechokwadi chokuti vaAmerica vose vanogona kuwana mabasa anokosha okukurukurirana.

[[[FRANT:0] Betsero dzoupenyu:

  • Kurasa runhare rwemwedzi nemwedzi, kombiyuta yakafara, kana kuti mapaketi anoiswa mashoko akavharwa
  • Mutsara mumwe chete woupenyu unobatsira mhuri imwe neimwe
  • Rinowanika Kuvagoveri

Ungakwanirisa nokuda kwoUpenyu kana mari yako iri panhungamiro dzehurumende dzourombo kana kuti iri pasi pa 135% kana kuti kana uchitora rutivi mugadziriro dzakati dzokuyamura dzakadai seSNAP, Medicaid, SSI, Federal Public Howation Ihelp, kana kuti Veterans Pension neVapukunyuki Vabetserwa.

Kusarudza Mashandiro Anoita Basa

Kushandisa zvirongwa zvebetsero dzehurumende kunogona kunzwa kurema, asi kunzwisisa muitiro wacho uye kugadzirirwa kunogona kuuita kuti uve wakanakira zvikuru.

Kuunganidza Mashoko Anodiwa

Gadziriro zhinjisa dzebetsero dzinoda marudzi akafanana ezvinyorwa. Kuva neaya mapepa akagadzirira usati washandisa kunogona kukurumidzisa muitiro wacho:

  • Kuratidza: raisensi yeDriver, id yehurumende, rugwaro rwokuberekwa, kana kuti pasipoti
  • [ Kadhi dzeNyanga dzeNyanga: nokuda kwemitezo yose yemhuri
  • Chiratidzo cheRedéficance: Mari yemari, chibvumirano, kana kuti bvumirano yembavarira
  • Kuwana hwirudzuro: Pass shass, mitero, kutaura kwebetsero kuurovha, tsamba dzinoripira chengeteko yenzanga
  • Kutaura kweBHAnk:[ Kutaura kwemisi ichangobva kupfuura iyi nokuda kwenhau dzose
  • Chinyorwa chapamberi: Mari dzeriti, zvikwereti zvezvishandiso, mutengo wetarisiro yomwana, ndyiko dzezvokurapa
  • Mapepa okupinda munyika: Kana zvichishanda, chibvumikiso chomugariro wokupinda munyika unokwaniriswa

Kunzwisisa Kusimbisa Nokubvunzurudza

Zvirongwa zvakawanda zvokubatsira zvinoda kubvunzurudzwa sechimwe chezvinenge zvichiitwa pakutsvaka rubatsiro. Izvi zvingaitwa pachazvo, parunhare, kana kuti nokuwedzera nokuvhura mavhidhiyo. Paunenge uchibvunzurudzwa, mushandi wepabhejeri achada kuti:

  • Ongorora kushanda kwako nokuda kwokukwana nokururama
  • Bvunza mibvunzo ine chokuita nenyaya dzaukanyora, mari yaunoshandisa uye mari yako
  • Tsanangura zvinodiwa nepurogiramu uye mabasa ako
  • Kumbira mamwe mapepa kana zvichidiwa
  • Pindura mibvunzo yako pamusoro pepurogiramu

Kupa mashoko enhema kunogona kuguma nokurambwa kwebetsero, kubviswa kwebetsero dziripo, uye kudokuva tsotsi.

Kusimbisa uye Kushuma Zvinodiwa

Zvirongwa zvakawanda zvokuyamura zvinoda kupiwazve tsamba panhambo nenhambo kuti uve nechokwadi chokuti ucharamba wakakodzera. Nhambo dzekunyora tsamba dzinosiyana nepurogiramu nehurumende asi kazhinji kazhinji dzinoitika mwedzi 6 kusvikira ku12 iri yose. Uchagamuchira chiziviso nguva yako yegweta isati yaguma nemirayiridzo pamusoro pokuti ungazvisimbisa sei.

Pakati penhambo dzokunyorazve, unoda kushuma chinjo dzakati kumushandisi wako, kubatanidza:

  • Kuchinja murudzi rwemhuri (kuberekwa, kufa, mumwe munhu anopinda kana kuti kunze)
  • Kuchinja mari yaunowana kana basa
  • Kuchinja kero kana kuti mashoko emepu
  • Kuchinja kwezvinhu kana kuti pfuma
  • Kuchinja kwemari yakadai serendi kana kuti kutarisira mwana

Kukundikana kushuma kuchinja kunodiwa kunogona kuguma nokubhadharwa kwauchafanira kuripira, kana kuti mari yakaderera inoreva kuti hausati uchigamuchira betsero dzose dzawakafanirwa nadzo.

Kodzero Dzako Nemabasa

Kodzero Dzako Sechikomborero

Somukumbiri kana kuti mugamuchiri webetsero yehurumende, une maruramiro anokosha:

  • Kurudyi kushandisa: Une maruramiro okushandisa nokuda kwepurogiramu ipi neipi yaunodavira kuti ungakodzerwa nokuda kwe
  • Kusvikira Kukufambira mberi panguva: Kushandisa kwako kunofanira kurongwa mukati memazati chaiwo enguva akatangwa nepurogiramu imwe neimwe
  • Kurudyi kuChicherechedzo chakanyorwa: Unofanira kugamuchira ziviso yakanyorwa yechisarudzo chipi nechipi pamusoro pebetsero dzako, kubatanidza mvumo, kuramba, uye chinjo
  • [ Kurudyi rwokukwidza: Une maruramiro okukwidza chisarudzo chipi nechipi chausingabvumirani nacho kupfurikidza nomuitiro wokunzwa kwakarurama
  • [ Kururama Nechakavanzika: Mashoko ako omunhu oga anofanira kuchengetwa akavanzika ndokushandiswa bedzi nokuda kwamadonzo ane chokuita nokuziva kuva akavimbika uye kugovera betsero
  • [ Kurutsiro Rworuremekedzo: Une maruramiro okubatwa nechiremera noruremekedzo navashandi vepurogiramu
  • [[FT:0] Kurudyi kuRubatsiro rwomutauro: Kana usingagoni kutaura chiNgezi, une maruramiro okududzira namabasa okushandura

Mitoro Yako

Pachine kodzero panewo mabasa:

  • Proficide Mashoko akarurama: Unofanira kugovera mashoko echokwadi uye akakwana pakushanda kwako uye mukuita kwako kwose
  • Mushumo uchichinja: Unofanira kushuma chinjo mumigariro yako mukati menguva maframetiro anotaurwa nepurogiramu yako
  • Batira pamwe neVhesitiso: Unofanira kugovera mapepa akakumbirwa uye batira pamwe nemiitiro yokubvumikisa
  • Yakakwana ne Program Mirairo: Unofanira kutevera zvinodikanwa zvose zvepurogiramu, kubatanidza zvinodikanwa zvebasa, mibato yokunzvera basa, uye kushandiswa kwakafanira kwebetsero
  • Zvibvumirano zvakarongwa:[ Unofanira kupinda bvunzurudzo dzakarongwa, kugadzwa, uye mibato inodikanwa
  • [[FOL:0] Muripo:[[[FT:1] Kana ukagamuchira betsero dzawakanga usina kukodzerwa, une mutoro wokudziripira

Kufadza Kunoita

Kana kukumbira kwako kuchinyimwa kana kuti betsero dzako dzakaderedzwa kana kuti dzagumiswa, une maruramiro okukwidza chisarudzo. Muitiro wokukumbira unobatanidza kazhinji kazhinji:

  • Kunyora Kukwirira kwakanyorwa: Unofanira kunyora chikumbiro chako mukati menguva inoziviswa muchiziviso chako (kazhinji 30 kusvikira ku 90)
  • Betsero Dziri Kupfuurira: Mune dzimwe gadziriro, ungakwanisa kupfuurira kugamuchira betsero apo kukumbira kwako kuri kumirira kana ukagadzira mukati megadziriro yakati yenguva
  • [ Kunzwa: Uchava nomukana wokupa mhaka yako pakutonga pamberi pomukuru mukuru anonzwa asingasaruri
  • Kuzivisa:[ Une maruramiro okumirirwa negweta kana kuti mumwe mumiriri pakutonga
  • Ufakazi: Munogona kupa magwaro, chipupuriro, uye zvapupu kuti zvitsigire mhaka yenyu
  • [[FOT:0] Chisarudzo: Uchagamuchira chisarudzo chakanyorwa uchitsanangura zviwanwa zvomupurisa wenhau
  • [ Kukwirira kwakapfuudzwazve: Kana usingabvumirani nechisarudzo chokutonga, ungava namaruramiro okumwe kukwirira kupfurikidza negadziriro yedare

Usarega kukumbira kuchikutyisidzira. Masangano eyamuro yepamutemo namapoka okushandisa zvibvumirano zvemari anogona kazhinji kazhinji kugovera betsero yapachena nezvikumbiro.

Kuwedzera Betsero Dzako

Kushandisa Zvirongwa Zvizhinji

Vanhu vazhinji vakafanirwa negadziriro dzakawanda dzebetsero panguva imwe cheteyo. Kutaura idi, kutora rutivi mugadziriro imwe kungangoerekana kwakukwanirisa nokuda kwavamwe kupfurikidza nokusakwaniriswa kukuru. Somuenzaniso, kana mitezo yose yemhuri yako ikagamuchira Uncedo rwechinguvana nokuda kweMamhuri aDary (TANF), Engel Security Income (SI), kana kuti mune dzimwe nzvimbo imwe betsero, mhuri yako ingarangarirwa kuva "yakakodzera nenzira dzose" nokuda kweSNAP nemhaka yokuti wakatosarudzwa nokuda kweimwe purogiramu yemimwe mitoo yokuedza.

Rangarira kukumbira nokuda kwepurogiramu dzose dzaungave wakakodzera nokuda kwadzo:

  • Kana usina basa, nyorera betsero dzourovha ne SNAP
  • Kana une vana, nzvera TANF, SNAP, Medicaid, WIC, uye tarisiro yavana
  • Kana uri kunetseka nemari yedzimba, kumbira rubatsiro rwedzimba uye ROOD
  • Kana wakwegura kana kuti wakaremara, nzvera SSI, SNAP, Medicaid, uye betsero yedzimba

Kunzwisisa Kunobatsira Vanorwara

Mawere anokodzera kukwirira anoitwa apo kuwedzera kuduku kwemari inotambirwa kunoguma nokurasikirwa kukuru kwebetsero, kuchikusiya wakaipa zvikuru mune zvemari kupfuura kare. Ikoku kunogona kuitika apo unowana mutero, kuwedzera maawa ako okushanda, kana kuti kutanga basa idzva. Kudzivisa kana kuti kuderedza mawere anobetsera:

  • Ziva kuti mari yaunowana ichakubatsira sei?
  • Bvunza mushandi wako kuti averenge kuti kuchinja mari kungabvira kungatapura sei betsero dzako
  • Rangarira kana kugamuchira maawa ebasa okuwedzera kana kuti kukwira mutengo kuchavandudza zvomenemene mugariro wako wemari
  • Tsvaka mapurogiramu ane madenderedzwa akaderera panzvimbo pokubviswa kwakamwe kamwe
  • Kuongorora kubatsira kunoenderera mberi kwenguva yakati pashure pokunge washanda

Basa Rokutsigira Riri Kushandiswa

Zvirongwa zvakawanda zvokubatsira zvinobatsira zvisingangoshandisi mari kana zvokudya.

  • Rovedzo yebasa neDzidzo: Gadziriro zhinji dzeTANF dzinopa rovedzo yebasa yapachena, mapurogiramu eGED, uye dzidzo yebasa
  • [ Rubatsiro rwomwana: Rubatsiro nendyiko yetarisiro yamwana apo unenge uchishanda kana kuti uchipinda rovedzo
  • YADIS: Mamwe mapurogiramu anogovera nhano dzebhazi kana kuti betsero nendyiko dzechokufambisa
  • Kutarisirwa kweMabasa: Basa nomushandi wako kuti akudziridze gadziriro yokuwana kuzvikwanisa umene
  • [ Zvirongwa zvemari zvokunyora nokunyora: Zvirongwa zvakasununguka pakuronga mari, kuchengeta, uye kutarisirwa kwemari
  • [ Masangano okunyorera: tanga kunyora, kubvunzurudza, uye kugovera basa rubatsiro

Matambudziko Anowanzoitika uye Zvaungaita Kuti Uakunde

Kubata Nekunonoka Kuteerera

Kugadzirwa kwepurogiramu pane dzimwe nguva kunogona kutora nguva refu kupfuura zvaikarirwa. Kana uri kutambura kunonozeka:

  • Chengeta makopi echinhu chiri chose chaunopa
  • Ita zvaunenge wagara uchiita nemunhu anoshandisa mishonga
  • Nyora mashoko ose, kusanganisira misi, nguva, uye wakataura naye
  • Bvunza kuti zvinhu zvinogadzirwa sei kana uri kutarisana nemamiriro ezvinhu okukurumidzira
  • Taura namukuru webasa kana usingapinduri kubva kumushandirwi wako
  • Tsvaka betsero kubetsero yapamutemo kana kuti masangano okuva mudzori kana kunonoka kuri kusina mufungo

Kukurukura Nhau Dzokubvumikisa

Dzimwe nguva kuwana magwaro echokwadi anodikanwa kunogona kuva kwakaoma. Kana une chinetso:

  • Bvunza mutengi wako kana zvimwe zvinhu zvinotsigira chokwadi zvichigamuchirwa
  • Kumbira rubatsiro kukambani mukuwana magwaro
  • Govera mashoko akanyorwa anotsanangura chikonzero nei usingagoni kuwana magwaro akati
  • Vakira uchokwadi hushomanana paunenge uchishanda kuti uwane magwaro asara
  • Bvunza nezvezvisarudzo zvokuzviongorora nokuda kwamamwe marudzi emashoko

Kutarisira Kudhura

Kana ukagamuchira chiziviso chokuripira zvakanyanyisa, usavhunduka. Zvaungasarudza kuti utsanangure kubhadhara mari yakanyanyokosha zvinosanganisira:

  • [[FT:0] Yakasakarurama:[[FT:1] Kana uchidavira kuti kutsunga kwanyanyisa kwakaipa, nyora chikumbiro nokukurumidza
  • Kukumbira Kubvumirana:[[FT:1] Mune zvimwe zvinoitika, ungakwanisa kugadzikisa muripo wakawandisa nokuda kwechishoma zvikuru kupfuura chitsama chakazara
  • [ Ronga Kudzosera: Masangano mazhinjisa achashanda newe kutanga gadziriro inobhadharwa inobhadharwa mwedzi nomwedzi
  • [[FOL:0] rhever:[[FT:1] Kana muripo usina mhosva uye kuripirwa kwaizoparira nhamo, ungakwanisa kukumbira mubhadhari
  • Pasi pokuzvidzora: Kana uchiri kugamuchira betsero, sangano ringaderedza betsero dzako dzazvino dzokuwanazve muripo wakanyanyowandisa

Zviwanikwa uye Kwaungawana Betsero

Mari Inoshandiswa Nehurumende

Mawebsite ehurumende akawanda ane mashoko akawanda anotaura nezvemapurogiramu ebetsero:

  • Benefit.gov: Ibhurari yakakwana yemubatanidzwa nehurumende inobetsera purogiramu nechishandiswa chokuyera kukubatsira kuziva mapurogiramu aungafanira kushandira
  • USA.gov: Nhungamiro yapamutemo kumashoko ehurumende namabasa, kubatanidza zvirongwa zvokubetsera
  • TCM yeMitemo Yehurumende: Nyika zhinji dzine website yakatsaurirwa nokuda kwepurogiramu dzadzo dzokubetsera neawadhi dzekombiyuta uye mashoko
  • 211:[ Dial 211 kubva pafoni ipi neipi kuti ibatane nezviwanikwa zvomunzvimbomo nezvirongwa zvokuyamura munzanga yenyu

Masangano Eyamuro Yapamutemo Nekodzero Dzokudzora

Rubatsiro rwepamutemo rwapachena runowanika kuvanhu vanotambira mari shoma vanobata nenhau dzebetsero:

  • [[[NHAU]] . Wana hofisi yako yeyamuro yomunzvimbomo pa lc.gov[
  • National Association of Consumer Reserveers: Zvipo zvinonongedzera kugweta rinobetsera nhau dzevatengi
  • State Bar Associations: Vazhinji vanopa masangano egweta namapurogiramu eproono
  • Makirini eChikoro cheLaw:[ Zvikoro zvemitemo zvakawanda zvinoshandisa makiriniki anopa mabasa omutemo orusununguko

Masangano Enzanga

Masangano enzanga omunharaunda anogona kugovera betsero yokushandisa, kuva mudzori, uye zviwanikwa zvokuwedzera:

  • Zvinoitwa Munzanga
  • Matura ezvokudya nepombi dzezvokudya
  • Masangano akavakirwa pakutenda
  • Nzvimbo dzokugara dzisina dzimba uye dzokutarisira basa
  • Nzvimbo Dzavakuru Nenharaunda Zvinoda Kukwegura
  • Masangano anokanganisa kodzero dzemunhu
  • Masangano ebasa okutama neavapoteri

Kuronga Kubudirira Kwenguva Refu

Kunyange zvazvo mapurogiramu okuyamura achipa tsigiro inokosha munguva dzakaoma, chinangwa chikuru ndechokuti uwane mari yakatsiga uye uzviwanire zvaunoda. Hezvino zvirongwa zvokubudirira kwenguva refu:

Kuvaka Unyanzvi Nedzidzo

Zvishandise umene kupfurikidza nedzidzo nokukura kwounyanzvi:

  • Shandisa zvirongwa zvokudzidzisa basa pachena zvinopiwa nemasangano okubudirira pabasa
  • Ita zvinhu zvakafanana nezvinoitwa kuchikoro chesekondari kana usina dhipuroma
  • Mapurogiramu enzanga ekoreji, akawanda awo anopa yamuro yemari nokuda kwavadzidzi vanowana mari shoma
  • Kudziridza unyanzvi husina kugadzirwa nemakosi okushandisa Indaneti uye zvitupa zvekunyora mashoko
  • Pindurawo mumapurogiramu okudzidzira basa anodzidzisa mari

Kuronga Mari Nechivako Chakanaka

Kunyange zvazvo uine mari shoma, unogona kutanga kuvaka mari yakatsiga:

  • Ita bhajeti yokuwana mari uye mari inorindwa
  • Vharai mari yamunochengeta uye garai muchichengetedza mari shoma
  • Ongorora Maakaundi Okubudirira Mumwe Nomumwe (IDAS) anoenderana nemari yako
  • Shandisa mabasa okugadzirira mitero pachena uye utaure kuti zvikwereti zvose zvawakakodzera nokuda kwazvo, kubatanidza Inichove Regional Trust
  • Dzivisa mabasa ezvemari anodenha akadai sezvikwereti zvezuva rokubhadharwa uye chekesa mabasa okubhadharisa
  • Iva nechikwereti chakanaka chokuvandudza mikana yemari yemunguva yemberi

Kufambira Mberi Kwebasa

Isa pfungwa dzako pakukura kwebasa, kwete basa chete:

  • Kushanda navanachipangamazano vebasa kuti vaone nzira dzebasa nedzinogona kufambira mberi
  • Tsvaka basa mumaindasitiri uine mikana yokuwedzera
  • Peji nenyanzvi murutivi rwako rwefariro
  • Tsvaka vashandirwi vanopa betsero, rovedzo, uye fambiro mberi
  • Rangarira kutanga nenzvimbo dzenzvimbo dzepanzvimbo yepamberi dzinogovera nzira dzakajeka dzokukwidziridzwa
  • Ramba uchikudziridza unyanzvi kunyange pashure pokunge washanda

mhedziso

Kunzwisisa mapurogiramu aya, kuziva kodzero dzako, uye kuwana zvinhu zvinowanika kunogona kuita kuti ukwanise kukunda mamiriro ako ezvinhu akaoma uye kushanda uchienda kunguva refu.

Yeuka kuti kutsvaka rubatsiro hachisi chiratidzo chokukundikana, (8) izvi zvirongwa zviripo nemhaka bedzi yokuti nzanga yedu inoziva kuti munhu upi noupi anogona kutarisana nezvinetso zvisingakarirwi. Kana uri kubata nokurasikirwa nebasa, kutamburira kuwana zvokudya, kana kuti kuda betsero nendyiko dzedzimba kana kuti dzezvoutano, betsero iripo.

Wana nguva yokunzvera mapurogiramu ose aungada, kuunganidza mapepa anodikanwa, uye usazengurira kutsvaka betsero kuvashandi vanopa mhaka, masangano eyamuro yapamutemo, uye zviwanikwa zvenzanga. Nokupfuurira netsigiro yakarurama, unogona kushandisa mapurogiramu aya nenzira inobudirira ndokuashandisa samatombo akakodzera kuti usvitse nharidzano dzako uye kuvaka nguva yemberi yakachengeteka zvikuru yemari.

Nzira inobva munhamo yemari kuenda kudzikamo haisi nyore nguva dzose, asi netsigiro yeidzi gadziriro nokutsunga kwako umene, kunobvira. Shandisai zvakanaka pfuma inowanika kwamuri, shandisai dzidzo yenyu nounyanzvi, uye rambai muchishanda kunharidzano dzenyu dzenguva refu. Zvirongwa izvi zvakagadzirirwa kukubetsera munguva dzakaoma ($) kuzvishandisa nokuchenjera sezvamunovaka kutarisana nenguva yemberi yakajeka.