Table of Contents

Ukubhekana nobunzima obungokwezimali kungaba yisikhawu, kodwa ukuqonda izinhlelo zokungasebenzi nezenhlalakahle ongazithola kungenza umehluko omkhulu ekhonweni lakho lokulondoloza ukuzinza ngezikhathi ezinzima. Lezinhlelo zikahulumeni ezinamanetha okuphepha zikhona ukuze zinikeze ukusekela kwesikhashana lapho usebenzela ukuzimela ngokwezimali. Kungakhathaliseki ukuthi usanda kulahlekelwa umsebenzi, ulwa kanzima ukuze ukhokhele ukudla komkhaya wakho, noma udinga usizo ngezindleko zokuhlala, kunemithombo eklanyelwe ukukusiza ukuba ubuyele emuva ezinyaweni zakho.

Lo mqondisi obanzi uyokuqondisa phakathi kwezinzuzo ezihlukahlukene zokuswelakala komsebenzi nezinhlelo zosizo lwezenhlalakahle ezitholakala e - United States, uchaze izimfuneko ezifanelekile, umniningwane wendlela yokusebenzisa, futhi unikeze ukwaziswa okuwusizo ukuze ukwazi ukuthola ukusekela okudingayo.

Ukuqonda Izinzuzo Zomshuwalense Wokuswela Umsebenzi

Izinzuzo zokuntuleka kwemisebenzi e-United States zinikezwa ngokubambisana kukahulumeni nombuso osungulwe ngaphansi komthetho we-Social Security Act ka-1935 kanye ne-Federal Roughts Tax Act (FUTA). Nakuba uhulumeni wezwe ubeka iziqondiso ezisekelwe ku-baseline, izinhlelo zikahulumeni ngamunye futhi usebenzise umshuwalense wakhe wokungasebenzi (UI) — ukubeka inzuzo, izimfuneko ezizenenzuzo, ubude bezinzuzo, kanye namalungiselelo okungahlanganiseki. Lokhu kusho ukuthi izinzuzo nezimfuneko ezithile zingahluka kakhulu kuye ngokuthi uhlalaphi.

Ziyini Izinzuzo Zokuntuleka Kwemisebenzi?

Izinzuzo zokuntuleka kwemisebenzi ziyinkokhelo yesikhashana enikezwa izisebenzi ezifanelekele ezilahlekelwe imisebenzi ngaphandle kwephutha lazo. Lezi zinzuzo ziklanyelwe ukubuyisela iholo elilinganiselwe ngesikhathi ufuna umsebenzi omusha. Lo hlelo lukhokhelwa ngentela yomqashi, hhayi ngeminikelo yezisebenzi, okusho ukuthi ngokuyisisekelo uzuze lenzuzo ngomsebenzi wakho wangaphambili.

Injongo eyinhloko yomshuwalense wokuswela umsebenzi iwukuba kube nebhuloho elingokwezimali phakathi noshintsho phakathi kwemisebenzi, ekusize ukuba ulondoloze izinga elithile lokuzinza kwezimali kuyilapho ufuna amathuba afanelekayo emisebenzi.

Izimfuneko Ezifanele Zokuphumelela Ukuze Ube Nezinzuzo Zokuntuleka Kwemisebenzi

Nakuba uhulumeni ngamunye umisa izimpawu zawo zokungawutholi umshuwalense wokungasebenzi, izifundazwe eziningi zidinga abasholozeli ukuba bahlangabezane nalezizimo ezivamile: bahlukaniswe ngaphandle kwephutha labo. Ezizweni eziningi, ukuba qotho kudinga ukuba lowo ozobekiwe alahlekelwe umsebenzi ngenxa yokuphothula, ukwehla kwenkampane, ukuvaleka kwenkampani, noma ukuntuleka komsebenzi okhona — hhayi ngenxa yokuyeka ngokuzithandela noma ukuqedwa kokuziphatha okubi. Ezinye izizwe zivumela izinzuzo zezisebenzi eziyeka ngesizathu esi "sihle" (njengezimo eziyingozi zokusebenza, ukuhlukunyezwa, noma izizathu ezithile zomkhaya), kodwa incazelo yembangela enhle iyahluka ngokwezwe.

[[Inkathi esekelwe i-pasession directions

Kumelwe ukuba abathi basebenze iholo elilinganiselwe noma basebenze isilinganiso esincane samasonto phakathi nenkathi yokusekelwa. Inkathi eyisisekelo iyizingxenye zokuqala ezine zekhalenda eliqediwe kwezinhlanu ngaphambi kokuba ubhale isaziso sakho. Ngokwesibonelo, uma usebenzisa ngo-2026 eNew Jersey, kumelwe ukuba usebenze okungenani uR3,00 ngesonto emasontweni angu-20 noma ngaphezulu emsebenzini owenziwe phakathi nonyaka wakho oyisisekelo, noma ingqikithi engu-R450.

Izifunda ezihlukene zinezimfuneko zemali ezihlukene. Esifundazweni saseWashington, kudingeka usebenze okungenani amahora angu-680 phakathi nonyaka wakho oyisisekelo. Uma ungafaneleki phakathi nenkathi evamile yokusekelwa, izifunda eziningi zinikeza enye inkathi eyisisekelo esebenzisa iholo lamuva kakhulu ukuze unqume ukuthi inzuzo injani.

[[UMTL:0] Ukuqhubekeka kwezimfuneko zokungakholeki[[[Umthetho 1]

Ukuze uqhubeke uthola izinzuzo zokuswelakala kwemisebenzi, kumelwe uhlangabezane nezimfuneko eziningana eziqhubekayo:

  • [[UMTL:0] Uyakwazi futhi Ukhona ekusebenzeni: Kumelwe ukwazi ukusebenza futhi utholakale (ngokwesibonelo, hhayi ngaphandle kwedolobha ngeholide) futhi uhlangabezane nezimfuneko zokufuna umsebenzi.
  • Ukufuna okusebenzayo:[ cishe zonke izifundazwe zidinga abasho ukuthi bayokwenza umsebenzi osebenzayo njengesimo sokufuna ukufezeka okuqhubekayo. Izifundazwe eziningi zidinga imvume yemisebenzi yokusesha (njengenani labaqashi ngesonto) lapho ziqinisekisa izinzuzo zamasonto onke.
  • Isiqinisekiso esibhalwe ngokuqiniseka: Kumelwe ubhalise masonto onke noma ngesonto ufaka iziphakamiso zokuthi awusebenzi futhi uqhubeke uhlangabezana nazo zonke izimfuneko ezingenzanga lutho.
  • Yamukela umsebenzi ofanele: Kumelwe uzimisele ukwamukela umsebenzi ofanelekayo. Umsebenzi uvame ukubhekwa njengofanelekile uma ufanelana namakhono akho, okuhlangenwe nakho, nokuqeqeshwa, nakuba incazelo yomsebenzi ofanelekayo inganweba uma uhlala ungasebenzi isikhathi eside.

Zingakanani Izinzuzo Ongazithola Lapho Ungasebenzi?

Inzuzo yenani lokuntuleka kwemisebenzi ihluka kakhulu ngokwesilinganiso sikahulumeni. Izinzuzo ezinkulu zamasonto onke zisukela kuR220 eMississippi kuya ku-R2,105 eMassachusetts (kuhlanganise nemali yokuncika). Izifundazwe eziningi zibala inzuzo yakho yamasonto onke cishe isilinganiso semali oyithola masonto onke phakathi nenkathi eyisisekelo, kuze kube inani elilingana nelezwe.

Ngokwesibonelo, eMinnesota, izinzuzo zinikeza cishe amaphesenti angu - 50 omholo wangaphambili, afinyelela inani elifinyelela ku - $948 ngesonto ngo-2026, amasonto angaba ngu - 26 lapho umuntu efuna umsebenzi omusha. Imali yesonto ngalinye isukela ku - R250 kuya ku - R48 ngo - 2026, ilinganiselwa ku - 50% yomholo wakho ovamile wamasonto onke phakathi nenkathi eyisisekelo.

EWashington, ngenxa yeziqu zamasonto onke eziye zafakwa ngo - 2026, imali etholakala masonto onke isukela ku - R2,50 kuya ku - R1152. Isilinganiso sisekelwe eholweni elivela ezindlini ezimbili eziphakeme kakhulu enkathini yakho eyisisekelo ehlukaniswe ngo - 52, ungathola amasonto angu - 26 ezinzuzo, ngengqikithi egcwele yamaRandi angu - 99 952 ngonyaka wakho ozuzisayo.

Isikhathi Sokungabibikho Komsebenzi

Inzuzo ejwayelekile iwubude bamasonto angu-26 ezifundazweni eziningi, kodwa isukela emasontweni angu-12 e-Arkansas nase-North Carolina kuya emasontweni angu-30 eMassachusetts. Ezinye izifundazwe ziye zasungula izimiso zobude besikhathi obuguquguqukayo ngokwezinga lokuntuleka komsebenzi likahulumeni noma inani lamasonto owasebenza phakathi nenkathi yakho eyisisekelo.

Izimo ezikhethekile zingashukumisa izinhlelo ezihlanganisa izinzuzo ezidlula amasonto angu-26. Ngokwesibonelo, uma ukuntengantenga komnotho noma umqedazwe kubangela izinga lokuntuleka komsebenzi kahulumeni, kungatholakala izinzuzo ezengeziwe. Nokho, kungadingeka ucinezele kuqala izinzuzo zakho zasikhathi sonke ngaphambi kokuba ufanelekele ukunwetshwa nganoma yiziphi ezinye izimpawu.

Indlela Yokusebenzisa Izinzuzo Zokuntuleka Kwemisebenzi

Inqubo yohlelo yezinzuzo zokungasebenzi ihlelwe yamuva ezifundazweni eziningi, ngokuhlela ilayini manje indlela eyisisekelo. Nakhu okudingeka ukwazi:

[[UMTL:0] Uma ukusebenzisa[[[UMTL:1]

U-mabhala phansi ukuswela kwakho umsebenzi ngokushesha ngangokunokwenzeka ngemva kokulahlekelwa umsebenzi. Izinzuzo azisebenzi ngosuku lwakho lokugcina lomsebenzi, kodwa kunalokho ziqala isonto ubhala ngapha kweyakho. Ukwephuza ukusebenzisa ifomu kusho ukulahlekelwa amasonto ezinzuzo.

[[UMTL:0] Ulwazi Uzoludinga[[[QUL:1]

Lapho ufaka isicelo sokuthola izinzuzo zokuntuleka kwemisebenzi, yiba nokuningi ukwaziswa okulandelayo:

  • Inani lokulondeka komphakathi
  • ilayisense yomshayeli noma inani le-ID yombuso
  • Ikheli eliphelele nezinsuku zomsebenzi kubo bonke abaqashi ezinyangeni ezingu - 18 ezidlule
  • Umqashi Izibalo zokulinganisa (FAIN) uma zikhona
  • Ulwazi ngokuhlala kwakho kude nomsebenzi
  • Ulwazi nge-akhawunti ye-bhange ukuze kugcinwe indawo ngokuqondile
  • Inombolo yokubhalisa i-alien uma ungeyena isakhamuzi sase-U.S.

[[UMTH:0] Ukuhambisa isikhathi[[UMTL:1]

Uma ufaka i-inthanethi futhi ungenayo impikiswano e-intelligence, ungalindela inkokhelo yakho yokuqala emasontweni amabili-4 ngemva kokubhala isaziso sakho sokuqala. Lokhu kuhlanganisa isikhathi sokulungisa, ukusabela komqashi, isikhathi esidingekayo sokulinda isonto elilodwa, kanye nokukhokha. Izikhala ezidinga ukufushaniswa zingathatha amasonto amathathu nayisithupha noma ngaphezulu.

Ukucabangela Okubalulekile Ngezinzuzo Zokuntuleka Kwemisebenzi

[[[UKWENZIWA:0] Izinzuzo zokungasebenzi ziyinzuzo engakhokhwa [[[Umthetho:1]

Kubalulekile ukuqonda ukuthi izinzuzo zokuswelakala zibhekwa njengemali ekhokhelwayo kuhulumeni nasezifundeni eziningi. Uma ufaka intela yakho yokuqala, uzoba nethuba lokukhokha intela kahulumeni nohulumeni egodlweyo. Ochwepheshe abaningi bezezimali batusa ukukhetha lendlela yokukhetha ukugwema intela enkulu uma ufaka intela yakho yaminyaka yonke.

[[[I-FLT:0] Ukusebenza isikhathi-sokusebenza lapho uthola izinzuzo

Ungasebenza ingxenye yesikhathi futhi uthole izinzuzo. Eqinisweni, ukusebenza ingxenye yesikhathi ngokuvamile kunweba inani lamasonto ongathola izinzuzo. Iholo elingeziwe lingakusiza ukuba ufanelekele inzuzo entsha uma unyaka wakho ozuzisayo uphela. Nokho, imali yakho yengxenye yengxenye yemali izakunciphisa inzuzo yakho yamasonto onke ngokwenzuzo kahulumeni wakho etholiwe.

[[I-FLT:0] Incazelo[

Izenzo ezithile zingakubangela ukuba ungatholi izinzuzo zokuswelakala kwemisebenzi, kungaba okwesikhashana noma phakade:

  • Ukuyeka ngokuzithandela ngaphandle kwesizathu esihle
  • Ukuxoshwa ngenxa yokuziphatha okubi
  • Ukwenqaba umsebenzi ofanelekayo ngaphandle kwesizathu esihle
  • Ukuhluleka ukufuna umsebenzi ngenkuthalo
  • Ukusho amanga ekumangaleleni kwakho
  • Ukungabi khona emsebenzini (njengokuba seholidini noma ukugula kakhulu ukuba ungasebenza)

Isiqondiso Esibonisa Isineke Kuhlelo Lwenhlalakahle

Izinhlelo ze-Welfare, ezibizwa nangokuthi izinhlelo zosizo lomphakathi, zihlanganisa izinhlelo eziningi zikahulumeni eziklanyelwe ukusiza abantu abathola imali encane nemikhaya ukuba ihlangabezane nezidingo zabo eziyisisekelo. Ngokungafani nomshuwalense wokungasebenzi, osekelwe emlandweni wezenhlalakahle wangaphambili, izinhlelo zezenhlalakahle eziningi zihlolwa ngezindlela ezisetshenziswayo, okusho ukuthi ukuba nengqondo kunqunywa ngokuyinhloko ngemali kanye nezinto.

Isimiso Sosizo Lokudla Esinezakhi (SNAP)

I-Someral Nutrition Application Program (SNAP), ngaphambili futhi ngokuphazima kweso eyaziwa ngokuthi i-Food Stamp Program, iyisimiso sikahulumeni wase-United States esinikeza usizo lokudla olushisisayo kubantu abampofu nabangenayo ukuba babasize balondoloze ukudla okunomsoco nempilo engcono. Iyisimiso sosizo sikahulumeni esilawulwa yi-U.S. Department of Agriculture (USDA) ngaphansi kwenkonzo yokudla nentshulisa (FORT), nakuba izinzuzo zinikezwa yiminyango ethile ye-U.S.

[[UMTL:0] IZImfuneko zokuqonda [[[UMTL:1]

Abantu nemikhaya bangakufanelekela ukuthola izinzuzo uma behola imali eningi nyanga zonke futhi behola iholo lenetha elingu - 130% no - 100% noma ngaphansi, ngokwezinga lobumpofu obukahulumeni ukuze babe nenani elithile lemikhaya. Imingcele yemali etholwayo ihlukahluka ngokwesilinganiso sendlu futhi ishintshwa minyaka yonke ukuze kwande ukwehla kwamandla emali.

[[UMTH:0] Isilinganiso esimisiwe[[[UMTL:1]

Ama-asethi kumelwe ehle ngaphansi kwemingcele ethile: imikhaya engenalo ilungu elineminyaka engu-60 noma ngaphezulu noma elikhubazekile kumelwe ibe nempahla engu-R1 500 noma ngaphansi; imikhaya enamalungu anjalo kumelwe ibe nempahla engu-R4,500 noma ngaphansi. Nokho, kuye ngokuthi uhlala kusiphi isifunda, ungakwazi ukuba nemithombo eminingi kunemingcele engenhla futhi ifaneleke ku-SNAP. Izinhlangano eziningi zikahulumeni zithathe i-eliginimime ebanzi (BCE), evumela izinhlangano zikahulumeni ukuba zilinganisele inzuzo nemingcele yempahla nezinhlelo zazo ze-TANFF.

[[UMTHWEBO:0] Indlela izinzuzo ze-SNAP ezibalwa ngayo[[UMQONDO 1]

Ingqikithi ye-SNAP ezuza umkhaya wakho inyanga ngayinye ibizwa ngokuthi isabelo. Ngenxa yokuthi imikhaya ye-SNAP kulindeleke ukuba isebenzise amaphesenti angaba ngu-30 empahla yayo ekudleni, isabelo sakho sibalwa ngokuphinda-phinda inzuzo yendlu yakho yanyanga zonke ngo-0.3,0,3, futhi isusa umphumela wokwabiwa kwenani eligcwele lendlu yakho.

Ngokwesibonelo, inzuzo enkulu ngo - 2026 emkhayeni onamaRandi angu - 1 075. Inzuzo enkulu itholakala uma unciphisa umnikelo wasekhaya (R444 254) ilingana no - R661 ngomkhaya onemali eyinetha engu - R442.

[[UMTHLO:0] Indlela yokusebenzisa izinzuzo ze-SNAP

Inyanga ngayinye, amanzuzo e-SNAP engeziwe ekhadini le-Ectronic mafects Transve (EBT) lokusetshenziswa lapho uthenga ukudla. Ikhadi le-EBT lisebenza njengekhadi le-debit khadi futhi lingasetshenziswa ezitolo ezisemthethweni, emakethe, ezitolo ezithengisa izinto ezizakhayo, nasezimakethe zabalimi. Ungathenga ukudla okuningi, kodwa izinzuzo ze-SNAP azinakusetshenziselwa utshwala, ugwayi, ukudla okuphekiwe, noma izinto ezingekho.

[[UMTL:0] Ukusebenzisela iSNAP

Ukufaka isicelo se-SNAP, thintana nehhovisi lezwe lakho noma i-SNAP yasendaweni yakini. Kuye ngokwezwe lakho, ungakwazi ukuthumelela i-appal yesicelo sokudla ku-inthanethi, umuntu, ngeposi, noma nge-fax. Ungadinga ukuhlanganyela engxoxweni ngaphambi kokuba uvunyelwe ukukhokhela izinzuzo ze-SNAP. Izifundazwe eziningi manje zinikeza ama-partal ne-apps ze-makhalekhul ukwenza ukuba le nqubo iphumelele.

[[Umthetho:0] Amalungiselelo akhethekile asebegugile nokhubazekile kubantu ngabanye[[UMTL:1]

I-SNAP inemithetho ekhethekile ezuzisa abantu abadala (asebeneminyaka engu-60 nangaphezulu) kanye nabakhubazekile. Kumkhaya onelungu eligugile noma elikhubazekile, zonke izikhungo zokukhosela zingancishiswa imali engaphezu kwengxenye yemali yomkhaya. Lokhu kungandisa kakhulu inzuzo yemikhaya efanelekayo enemali eshisiwe.

Usizo Lwesikhashana Emikhayeni Eswele (TANF)

Usizo lwesikhashana lweMikhaya (TANF) luyisimiso sosizo lukahulumeni esinikeza imikhaya usizo lwemali nezinkonzo ezisekelayo zemali kanye nezingane. Ngokungafani ne-SNAP, enikeza usizo lokudla, i-TANF ikhokha imali eqondile esetshenziswa ezidingweni ezihlukahlukene ezihlanganisa izindlu, izinto zokusepha, izingubo zokugqoka, nezinye izidingo.

Uhlelo lweTANF Imiterere

TANF iyisimiso sokunikeza, okusho ukuthi uhulumeni unikeza izimali emazweni, abese eklama futhi asebenzise izinhlelo zawo siqu ngaphakathi kweziqondiso zikahulumeni. Lokhu kuphumela ekuhlukahlukahlukaniseni okuphawulekayo ngokwenzuzo, izimfuneko zohlelo, kanye nezimfuneko zezwe ngalinye. Amanye amazwe anamagama awo ezinhlelo ze-TANF.

TANF GILE[

Izimfuneko ezivamile zeTANF ngokuvamile zihlanganisa:

  • Ukuba nengane engaphansi kweminyaka engu-18 (noma engaphansi kwengu - 19 uma umfundi wesikhathi esigcwele) ehlala nawe
  • Ukukhulelwa
  • Isilinganiso semali oyiholayo nempahla ebekwe isifundazwe sakho
  • Ukuba isakhamuzi sase - United States noma ukufaneleka okungezona izakhamuzi
  • Ukubambisana nabasizi bokusekela izingane
  • Ukuhlangabezana nezimfuneko zomsebenzi noma ukuhlanganyela emisebenzini ehlobene nomsebenzi

[[UMTL:0]TANF Izimfuneko Zomsebenzi[

Iningi labamukela iTTANF kudingekile ukuba lihlanganyele emsebenzini njengenzuzo. Lemisebenzi ingase ihlanganise:

  • Umsebenzi ongalawuleki noma ongagunyaziwe
  • Kuqeqeshwa i-job
  • Ukufuna umsebenzi nokusiza
  • Izinhlelo zenkonzo yomphakathi
  • Ukuqeqeshwa kwemfundo yemisebenzi
  • Ukuqeqeshwa kwamakhono omsebenzi ngokuqondile ngokuphathelene nomsebenzi
  • Imfundo yayihlobene ngokuqondile nomsebenzi walabo abangenaso isikole esiphakeme

[[IZINISO:0] Isilinganiso sesikhathi[[[QT]1]

Imingcele yemali enikezwa iTTANF ewusizo lwemali lwezinyanga ezingu - 60 phakathi neminyaka emihlanu, nakuba imibuso ingabeka imingcele yesikhathi emifushane futhi ingase ikhiphe amaphesenti angu - 20 emali emfuno yayo ngenxa yale nkinga. Ezinye izifunda ziye zasebenzisa isilinganiso esifushane sesikhathi noma izinhlelo ezihlukahlukene zezinhlelo zazo.

Izinzuzo zeTANF nezisekelo

Ngaphandle kosizo lwemali, izinhlelo zeTANF ngokuvamile zinikeza lokhu:

  • Ingane inakekela usizo lokusiza abazali ukuba basebenze noma baye ekuqeqesheni
  • Usizo lwezokuhamba
  • Ukuqeqeshelwa umsebenzi nezinhlelo zemfundo
  • Izinkonzo zokuphatha izenzakalo
  • Izinkonzo zokusekela ukusiza imikhaya ukuba iphumelele

Isimiso Sokukhetha Indawo Yokuhlala (Isimiso 8)

I-Louver Voucher Program, eyaziwa njenge-Ctego 8, uhlelo oluyinhloko lukahulumeni kahulumeni lokusiza imikhaya ehhadla imali, asebekhulile, nabantu abakhubazekile ukuze bathole izindlu ezihloniphekile, eziphephile, nezihlanzekile emakethe. Lo hlelo lulawulwa indawo yakini yizinhlangano zezindlu zomphakathi (PH).

[[Umthetho:0] Indlela uhlelo olusebenza ngayo[[Umthetho:1]

Imishini yokufaka imvume yokuhlala ivumela imikhaya efanelekayo ukuba izikhethele izindlu zayo siqu, kuhlanganise nezindlu zomkhaya owodwa, izindlu zamadolobha, nezindlu zokuhlala. Umkhaya ukhokha cishe amaphesenti angu-30 emali yawo ehholo elilungiswe kahle ngenyanga ehhotela nemishini esetshenziswayo, kanti i-PHA ikhokha esele ngokuqondile kumninindlu. Indlu kumelwe ihlangabezane nezindinganiso ezilinganiselwe zempilo nezokuphepha ezimiswe yi-HUD.

[[Ukwehluleka:0] Izimfuneko ezingenakukholeka[[[Umthetho:1]

Ukuze ifanelekele i-commenter, iholo lomkhaya wakho akumelwe lidlule ku-50% yeholo lemithombo yezindaba endaweni yakini noma edolobhaneni. Njengoba kudingeka ukuba i-PH% yabafaki-zicelo yabo inike amaphesenti angu-75 abahola imali engadluli ku-30% yeholo lemithombo yezindaba yendawo. Ukungangeni

  • Ubukhulu bomkhaya kanye nokuhlelwa kwawo
  • Ukuba izakhamuzi noma isikhundla sokufuduka esifanelekayo
  • Ukuhlangabezana nezimiso zokuhlola i-PHA, ezingahlanganisa izihlolo ze-prand jack nomlando wokuqasha

Inqubo yesisebenzisi kanye nokulinda Uhlu[[QLT:1]

Ngenxa yokufunwa okukhulu nokulinganiselwa kwezimali, iningi le-PHS linezinhlu ezinde zokulinda abafaka imvume yokuhlala. Ezinye izinhlu zokulinda zivalwa kubantu abasanda kucela, kanti ezinye zingavuleka ngezikhathi ezithile. Lapho ufaka isicelo:

  • Xhumana ne-PHA yangakini ukuze unqume ukuthi ikhona yini izinhlelo zokusebenza ezivumayo
  • Qedela uhlelo lokusebenza uma uhlu lokulinda luvuliwe
  • Yenza isiqinisekiso seholo, impahla, nokuqanjwa komkhaya
  • Linda ukuze uthintane negama lakho uma lifinyelela phezulu kohlu
  • Yiba khona kwisiqephu esifingqiwe bese wamukela i-hecter yakho uma ikhethiwe
  • Thola indawo yokuhlala efanelekayo ngesikhathi iPHA ephawulwe ngaso

ixmotule [

Inzuzo enkulu yeSimiso Sokukhetha Indawo yokuphumula i-Voucher. Uma uthola i-compator, ungayisebenzisa noma kuphi e-United States lapho i-PHA isebenzisa khona uhlelo lwe-openthings yokufaka izakhiwo ezikhethelwe. Lokhu kuvumela imikhaya ukuba ithuthele ezindaweni ezinemisebenzi engcono, izikole, noma ukuba isondelelene nomkhaya.

IMedicaid

UMedicaid uhlelo oluhlangene lukahulumeni nombuso olunikeza izigidi zabantu baseMelika inzuzo yempilo, kuhlanganise nabantu abadala abathola imali encane, izingane, abesifazane abakhulelwe, abantu abadala abakhubazekile. I-Medicaid iwumthombo omkhulu wezempilo eUnited States.

[ Ukungakholeki [[[QL:1]

Ukukwazi ukumelana noMedicaid kuyahlukahluka ngokwesifundazwe, kodwa ngokuvamile kuhlanganisa:

  • Imikhaya ephansi enezingane
  • Abesifazane abakhulelwe
  • Izingane Nentsha
  • Abantu abadala (65 nangaphezulu)
  • Abantu abakhubazekile
  • Ezifundazweni ezandisiwe, abantu abadala abahola imali efinyelela ku - 138% yezinga lobumpofu likahulumeni

Ukwanda kweMedicaid

I-Affordcuble Care Act yanikeza indlela yokwandisa iMedicaid kubantu abadala ngeholo elifinyelela ku-88% wezinga lobumpofu likahulumeni. Kusukela ngo-2026, izifundazwe eziningi ziye zamukela ukwanda kwe-Medicaid, okukhula ngokuphawulekayo kokukhomba impilo kubantu abadala abathola imali ephansi. Nokho, ezinye izizwe azizange zandise iMedicaid, zidala igebe elikhothayo kubantu abadala abathola imali ephansi kakhulu ukuba bafanelekele iMedicaid kodwa abakwazi ukuthenga umshuwalense wezentengiso.

[[IZISEBENZI:0] Izici ezimbozwe yi-Medicaid

IMedicaid ihlanganisa izinkonzo eziningi zezempilo, kuhlanganise nalezi:

  • Ukuvakashela kukadokotela nokunakekela
  • Ukuhlala ezibhedlela nezinkonzo eziphuthumayo
  • Imithi egunyazwa udokotela
  • Ukuhlolwa kokuhlolwa kokuhlolwa kwewashi kanye namaX-reyi
  • Impilo yengqondo nokusebenzisa kabi izidakamizwa
  • Izinkonzo zokukhulelwa nokubeletha
  • Izinkonzo zokunakekela abantu asebekhulile nabakhubazekile
  • Ukunakekela izingane mazinyo namehlo

Ukusebenzisela imedicaid

Ungafaka isicelo seMedicaid ngezindlela eziningana:

  • I-medicaid ye-templicaid kahulumeni wakho
  • Imakethe Yomshuwalense Wezempilo EHealthCare.gov
  • UMnyango Wezinkonzo Zomphakathi Wakini
  • Izibhedlela nezikhungo zezempilo zomphakathi ngokuvamile zithola usizo lokubhalisa

Ayinasikhathi sokubhalisa esivulekile kuMedicaid − ungafaka noma nini phakathi nonyaka. Uma uthola ukuthi ufanelekile, umphetho uqala inyanga oyifake noma inyanga oyifanelekele.

Uhlelo losizo oluvamile

Izinhlelo ezibizwa nangokuthi i-General Seapple okanye i-County Seapple, yizinhlelo ezixhaswayo zikahulumeni noma indawo ezinikeza usizo lwemali kubantu abathola usizo oluphansi abangakufanelekeli ukuhlelwa izinhlelo zosizo zikahulumeni. Lezi zinhlelo zihluka kakhulu ngokwendawo, futhi akuzona zonke izifundazwe noma izindawo ezibanika zona.

Owenza kufaneleke usizo oluvamile

Usizo Oluvamile lusebenza ngempela:

  • Abantu abadala abangashadile abanazo izingane ezithembele kubo
  • Imibhangqwana engenabantwana
  • Abantu abalindele ukuvunyelwa kwezinzuzo zikahulumeni zokukhubazeka
  • Abantu abaye baphelelwa isikhathi esingakanani
  • Abantu abangahlangabezananga nezimfuneko eziphelele zezinye izinhlelo

[[UMTH:0] Izilinganiso nokulinganiselwa[[UMTL:1]

Izinzuzo ezivamile zosizo ngokuvamile zincane futhi zingase zihlanganise:

  • Imali encane ekhokhwa nyanga zonke
  • Usizo ngentela yokuqasha noma ngomayelana nohele
  • Usizo lwezokwelapha kwezinye izindawo
  • Usizo oluphuthumayo ezimweni ezibucayi

Izinhlelo zosizo oluvamile eziningi zinemingcele eqinile yesikhathi, izimfuneko zomsebenzi, kanye nendawo yokuhlala. Khuluma noMnyango Wezinkonzo Zomphakathi wakini ukuze uthole ukuthi ukhona yini uSicelo oluPhakelele endaweni yakini nokuthi ziyini izimfuneko eziqondile.

Izinhlelo Ezengeziwe Zokusekela

Ngaphandle kwezinhlelo eziyinhloko okuxoxwe ngazo ngenhla, ezinye izinhlelo eziningana zosizo zingasiza abantu nemikhaya ukuba ihlangabezane nezidingo ezithile.

Isimiso Esikhethekile Sokudla Kwabesifazane, Izinsana, Nezingane (WIC)

I - WIC inikeza izinhlangano ezinikeza ukudla okwengeziwe, izikhungo zezempilo, nemfundo yokudla okunomsoco ukuze kutholakale ukukhulelwa okuphansi, ukuncelisa ibele, nokuncelisa abesifazane abangebona ababelethisi, kanye nezinsana nezingane ezifinyelela eminyakeni emihlanu ezitholakele zisengozini yokondleka.

Izinzuzo Zihlanganisa:[

  • Ukudla okunomsoco okunemisoco okuklanyelwe ukuhlangabezana nezidingo zabahlanganyelayo
  • Imfundo nokululeka ngokudla
  • Ukuhlola nokuqapha ukuze kutholakale usizo lwezempilo nezinkonzo zezenhlalo
  • Ukukhushulwa nokusekelwa kwebele

IWIC ayisona isimiso esigunyaza izimali, okusho ukuthi uMkhandlu awubekeli eceleni imali yokuvumela wonke umuntu ofanelekayo ukuba ahlanganyele. Kunalokho, iWic iyisimiso sikahulumeni esigunyaza iSishaya - mthetho ukuba sixhase isilinganiso esithile semali unyaka ngamunye. Ukufaka isicelo seWic, thintana nezwe lakho noma inxusa leWic.

Isimiso Sokusiza Ngamandla Asekhaya Esiphansi (LIHEAP)

I-LIHEAP isiza imikhaya engenisa imali ephansi namandla ayo, inikeza usizo ngezindleko zokufudumeza nokupholisa, usizo lwamandla, nokulungisa isimo sezulu kanye nokulungiswa kwekhaya. Uhlelo luqondiswa yizifunda, amasimu, nezizwe, ngasinye esibeka izimfuneko zaso eziqinile phakathi kweziqondiso zikahulumeni.

[[UMTL:0] Uhlobo losizo lweLIHEAP:[[UMTL:1]

  • Usizo olungenisa: lusiza ngezindleko zokufudumeza phakathi nezinyanga zasebusika
  • Usizo olukhokhela: Usizo ngokupholisa izindleko phakathi nezinyanga zasehlobo
  • CORIS help: Izisizo eziphuthumayo uma ubhekene nesimo esiphuthumayo sokufudumeza noma sokupholisa
  • Ukuhlanganisa: Izisekelo zokwenza ikhaya lakho libe namandla angaphezulu

Imali exhasa imali ye-LIHEAP ilinganiselwe, futhi izinhlelo eziningi zisebenza ngenkokhelo yokuqala, yokuqala egciniwe. Xhumana nehhovisi lezwe lakho noma le-LIHEAP lendawo kusenesikhathi sokufudumala noma sokupholisa.

Ukuthola Ukulondeka Okunezelwe (SSI)

SSI ikhokhela abantu abakhubazekile, abayizimpumputhe, noma abaneminyaka engu-65 noma ngaphezulu imali elinganiselwe ngenyanga. I-SSI ihlukile kusizo lwe-Social Security oluzuzisayo.

[[[UKRAWULO:0] Izimfuneko zokubona:[[UMTL:1]

  • Yiba neminyaka engu - 65 noma ngaphezulu, ube yimpumputhe noma ukhubazekile
  • Abanemali encane
  • Yiba isakhamuzi sase - United States noma uhlangabezane nezimfuneko ezithile ezingaphelele
  • Esinye sezifundazwe ezingu - 50, iSifunda saseColumbia, noma eNorthern Mariana Islands
  • Ungaphumi kulelizwe inyanga egcwele yekhalenda noma izinsuku ezingu - 30 ezilandelanayo noma ngaphezulu
  • Ukucela ezinye izinzuzo ungase ufanelekele

Ukuze ubhalise isicelo se - SSI, thintana ne - Social Security Administration ngocingo, nge - Internet noma ngokuvakashela ihhovisi leNsirhelelo yangakini.

Isimiso Sokuphila (I - Phone Ne - Internet)

Uhlelo lwe-Lifeline lunikeza usizo oluncishisiwe kumacingo naku-inthanethi ukuze kufaneleke abathengi abahlawulwa kancane. Lolu hlelo luqondiswa yi-Federal Communications Commission (FCC) futhi lusiza ekuqinisekiseni ukuthi wonke amaMelika ayakwazi ukufinyelela izinkonzo ezidingekile zokuxhumana.

[[UMTL:0] Izinzuzo zokuphila:[

  • Ukuchitha izingcingo zanyanga zonke, ingosi ye - Internet ebanzi, noma amaphakethe afakwe emazwini angenamsindo
  • Umkhaya ngamunye uzuza i - bout commission
  • Utholakala kubanikazi

Ungakufanelekela ukuthola i - Lifeline uma iholo lakho lingaphansi noma lingaphansi kuka - 135% weziqondiso zikahulumeni zobumpofu noma uma uhlanganyela ezimisweni ezithile zosizo ezinjengeSNAP, Medicaid, SSI, Federal Public Hosnice Areplation Arevice, noma abasindayo bezuza.

Ukumisa Inqubo Yesisebenziso

Ukusebenzisa izinhlelo zikahulumeni zosizo kungakuqeda amandla, kodwa ukuqonda inqubo nokulungiselelwa kwayo kungayenza ibe ngcono kakhulu.

Ukuqoqa umnikeli odingekayo

Izinhlelo eziningi zosizo zidinga izinhlobo ezifanayo zemibhalo. Ukuba nalamaphepha alungile ngaphambi kokuba usebenzise kungasheshisa lenqubo:

  • Ukubonakalisa:[ ilayisense yomshayeli, i-ID yesifunda, isitifiketi sokuzalwa, noma i-passport
  • Amakhadi okuphepha:[ kuwo wonke amalungu endlu
  • Isibonakaliso sokubuyisa: Isivumelwano sentela, isivumelwano, noma isitatimende sesibambiso
  • Ukuveza:[ Ukukhokha iziphazamiso, intela, izitatishi ezizuzisayo zokungasebenzi, izincwadi ezithi Ukulondeka kwezenhlalo
  • Izinkulumo zezeqhwa:[ Izinkulumo zamuva kuwo wonke ama-akhawunti
  • Umnikeli ongaphandle: Amathili e-Rent, izikweleti zenzuzo, ukunakekela umntwana, izindleko zezokwelapha
  • Amabhukwana oku-isuba: Uma ekhona, ubufakazi besimo sokufuduka esifanelekile

Ukuqonda Ukuqinisekiswa Nezingxoxo

Izinhlelo eziningi zosizo zidinga ukuxoxa njengengxenye yenqubo yokufaka isicelo. Lokhu kungaqhutshwa ngokoqobo, ngocingo, noma ngokwandayo ngokufaka ividiyo. Phakathi nengxoxo, umthumeli wezokulungisa imoto uyothi:

  • Hlola indlela osebenzisa ngayo ukuphelela nokunemba
  • Buza imibuzo nge - computer yakho, iholo nangezindleko zakho
  • Chaza izimfuneko zesimiso nemithwalo yakho yemfanelo
  • Cela amadokhumende engeziwe uma kudingeka
  • Phendula imibuzo yakho mayelana nohlelo

Ukunikeza ukwaziswa okungamanga kungaphumela ekuphikelweni kwezinzuzo, ekuqedweni kwezinzuzo ezikhona, nasekumangalelweni ngecala.

Ukuqinisekiswa Nokubika

Izinhlelo eziningi zosizo zidinga isiqinisekiso futhi ngezikhathi ezithile ukuze kuqinisekiswe ukuthi uhlala ufaneleka. Izinkathi zokuqinisekisa ziyahluka ngokohlelo nangombuso kodwa zivame ukwenzeka njalo ngemva kwezinyanga eziyisithupha kuya kwezingu-12. Uzothola isaziso ngaphambi kokuba inkathi yakho yokuqinisekisa iphele ngeziqondiso zokuthi ungaphinde uphinde uvume.

Phakathi kwezinkathi zokuqinisekisa, kudingeka ubike ushintsho oluthile kumsebenzi wakho wezezimali, kuhlanganise:

  • Ushintsho ekuhlelweni kwemiklamo yasekhaya (ukuzalwa, ukufa, othile othuthelayo noma ophumayo)
  • Ukushintsha kweholo noma umsebenzi
  • Inguquko kulwazi lwekheli noma longathintwa
  • Ushintsho emalini noma emalini
  • Ushintsho ezindlekweni ezinjengentela yendlu noma izindleko zokunakekela umntwana

Ukuhluleka ukubika ushintsho oludingekayo kungaphumela ekukhokheni imali eshisiwe ozoyikhokha, noma imali engaphansi esho ukuthi awutholi zonke izinzuzo onelungelo lokuzithola.

Amalungelo Nemithwalo Yakho Yemfanelo

Amalungelo Akho Njengomukelwa Onezinzuzo

Njengomceli noma umamukeli wosizo lukahulumeni, unamalungelo abalulekile:

  • Akufanele ukusebenzisa: Unelungelo lokufaka kunoma yiluphi uhlelo okholelwa ukuthi ungalufanelekela
  • Uhlelo lwakho kumele lulungiswe phakathi kwesikhathi esiqondile esimisiwe uhlelo ngalunye
  • Engakwesokudla ku-Ayikho Ebhalweni: Kumelwe uthole isaziso esibhaliwe nganoma isiphi isinqumo ngokuphathelene nezinzuzo zakho, kuhlanganise nokuvuma, ukuphika, kanye nezinguquko
  • [[Umthetho:0] Ilungelo lokudlulisa: Unelungelo lokudlulisa noma isiphi isinqumo ongavumelani ngaso ngenqubo yokuzwa kahle
  • [[NTL:0] Akwesokudla sokufihla:[ Ulwazi lwakho siqu kumelwe lugcinwe luyimfihlo futhi lusetshenziselwa izinjongo ezihlobene nokuthola ukuthi uyamukeleka futhi unikeze izinzuzo
  • Ifanele ukwelapha ngenhlonipho: Unelungelo lokuphathwa ngenhlonipho izisebenzi zezinhlelo
  • Ekulungeni ku-Ulimi Uncedo: Uma ungasikhulumi isiNgisi, unelungelo lokuchaza nezinkonzo zokuhumusha

Imithwalo Yakho Yemfanelo

Kunokuthwalwa kwemithwalo yemfanelo kanye namalungelo:

  • Iprojective Ulwazi olunembile: Kumelwe unikeze ukwaziswa okuyiqiniso nokuphelele ngesimiso sakho somsebenzi nakukho konke ukuthatha kwakho isinyathelo
  • Ushintsho lombiko: Kumelwe ubike izinguquko ezimweni zakho phakathi nesikhathi samafelemu ashiwo uhlelo lwakho
  • Isebenzisana noqinisekiso: Kumelwe unikeze imibhalo eceliwe futhi uvumelane nezinqubo eziyiqiniso
  • ngokwaneleyo nezinhlelo Imithetho: Kumelwe ulandele zonke izimfuneko zohlelo, kuhlanganise nezimfuneko zomsebenzi, imisebenzi yokuhlola umsebenzi, kanye nokusetshenziswa okufanele kwezinzuzo
  • Izinqumo ezinqunyiwe: Kumelwe ube khona ezingxoxweni ezihleliwe, ukumiswa, kanye nemisebenzi edingekayo
  • [[Inkokhelo:0] Ukukhokha ngokukhuluphayo: Uma uthola izinzuzo ongafanele, unomthwalo wemfanelo wokuzibuyisela

Inqubo Yokukhanga

Uma uhlelo lwakho lokusebenza lwenqatshelwa noma izinzuzo zakho zincishisiwe noma ziqedwe, unelungelo lokudlulisa isinqumo. Inqubo yokunxusa ihilela:

  • Ufaka ukudlulisa okulotshiwe:[ Kumelwe ubhale isinxephezelo sakho ngokubhala phakathi nesikhathi ifulema echazwe esazisweni sakho (ngokuvamile izinsuku ezingu-30 kuya ku-90)
  • Izinzuzo ezikhona: Kwezinye izinhlelo, ungakwazi ukuqhubeka uthola izinzuzo uma ukudlulisa isikhalo sakho kulindele uma ufaka phakathi nesikhathi esithile
  • Ukuzwa: Uzoba nethuba lokubeka icala lakho ezindlebeni phambi kwesikhulu sokuzwa esingakhethi
  • Incazelo:[ Unelungelo lokumelelwa ummeli noma omunye ummeleli enkantolo
  • Ubufakazi: Ungaletha amabhukwana, ufakazi, nofakazi ukuze usekele icala lakho
  • Isinqumo: Uzothola isinqumo esibhaliwe esichaza okutholwe isikhulu sezindlebe
  • Ukudlulisa izikhalo okuphindaphindiwe: Uma ungavumelani nesinqumo sokulalela, ungaba nelungelo lokudlulisa izikhalo ngesimiso senkantolo

Ungavumeli inqubo yezikhalo ikwesabise. Izinhlangano zosizo ezingokomthetho namaqembu agunyaza umthetho ngokuvamile anganikeza usizo mahhala.

Ukunciphisa Izinzuzo Zakho

Ukusebenzisa Izinhlelo Eziningi

Abantu abaningi bafanelekela izinhlelo eziningi zosizo ngesikhathi esisodwa. Eqinisweni, ukuhlanganyela esimisweni esisodwa kungazenzakalela ukuba ufaneleke kwabanye ngokulinganayo. Ngokwesibonelo, uma wonke amalungu ekhaya lakho amukela usizo lwesikhashana lwemikhaya ye-Iasy (TTANF), i-Apernal Security Income (SI), noma kwezinye izindawo usizo oluvamile, umkhaya wakho ungabhekwa njengofanelekele i-SNAP ngenxa yokuthi usunqume kakade ukuba ufanelekela uhlelo lwezindlela zokuhlolwa.

Cabangela ukufaka isicelo kuzo zonke izinhlelo ongase uzifanelekele:

  • Uma ungasebenzi, faka isicelo sokuthola izinzuzo zokuntuleka kwemisebenzi ne-SNAP
  • Uma unezingane, hlola i - TANF, I - SNAP, IMedicaid, I - WAC, nosizo lwezingane
  • Uma ubhekene nezindleko zezindlu, faka isicelo sosizo lwezindlu kanye ne-LIHEP
  • Uma ukhulile noma ukhubazekile, hlola i-SSI, i-SNAP, i-Medicaid, kanye nosizo lwezindlu

Ukuqonda Kuyabazuzisa Abane - spider

Iwa eliyi-"benefig" lenzeka lapho ukwanda okuncane kwemali kuphumela ekulahlekelweni okukhulu kwezinzuzo, kukwenze ungabi namali kakhulu kunakuqala. Lokhu kungenzeka uma uphakanyiswa, wandisa amahora akho okusebenza, noma uqala umsebenzi omusha. Ukugwema noma ukunciphisa amawa azuzisayo:

  • Qonda indlela imali eningi engathinta ngayo izinzuzo zakho ngayinye
  • Buza umsizi wakho ukuba afunde ukuthi ukushintsha imali kungaba naliphi ithonya ezinzuzoni zakho
  • Cabangela ukuthi ukwamukela amahora engeziwe omsebenzi noma ukukhushulelwa komnotho kuyoba ngcono yini ngempela isimo sakho sezimali
  • Bheka izinhlelo ezithatha kancane kancane kunokusuka ngokushesha
  • Ukuhlola izinzuzo ezishintshashintshayo eziqhubeka isikhathi esithile ngemva kokuba uqashelwe

Izinkonzo Zokusekela Eziwusizo

Izinhlelo eziningi zosizo zinikeza izinkonzo ezisekelayo ngaphandle kwemali noma ukudla okunenzuzo.

  • Ukuqeqeshelwa ukusebenza nemfundo: Izinhlelo eziningi ze-TANF zinikeza ukuqeqeshelwa umsebenzi mahhala, izinhlelo zeGED, nemfundo yomsebenzi
  • Usizo lokunakekela umntwana: Usizo ngezindleko zokunakekela umntwana lapho usebenza noma ukhona ekuqeqesheni
  • Usizo lokuthumela: Ezinye izinhlelo zinikeza izihamba-ndlela zebhasi noma usizo ngezindleko zokuhamba
  • Ukuphathwa kwe-Case:[ Umsebenzi nomshini wakho wokwenza umshini ukuze wakhe uhlelo lokufinyelela ukwaneliseka kwakho
  • Izinhlelo zezimali zokufunda nokwazi: Izigaba ezikhululekile ekuhleleni imali, ekonga, nakukuphathwa kwemali
  • Izisekelo zokulungisa: qala ukubhala, ukuxoxa, ukulungiselela, nosizo lokufaka umsebenzi

Izinselele Ezivamile Nendlela Yokuzinqoba

Ukubhekana Nokusebenza Kube Sekuyisikhathi Esimisiwe

Ukulungisa uhlelo ngezinye izikhathi kungathatha isikhathi eside kunalokho okulindelekile. Uma ubhekene nezikhawu:

  • Gcina amakhophi akho konke okuhambisa
  • Landela njalo nomshini wakho wokuhlola iziguli
  • Bhala zonke izigijimi, kuhlanganise nezinsuku, izikhathi, nokuthi ukhulume nobani
  • Buza ngenqubo ehleliwe uma ubhekene nesimo esiphuthumayo
  • Xhumana nomphathi uma ungatholi izimpendulo kumphathi wesaphulo sakho
  • Funa usizo olungokomthetho noma ezinhlanganweni zobukhazikhazi uma ukulibala kungenangqondo

Ukusingatha Izinkinga Zokuqinisekisa

Ngezinye izikhathi ukuthola amabhukwana adingayo okuqinisekisa kungaba yinselele. Uma unenkinga:

  • Buza umsizi wakho wezezimali ukuthi ezinye izinhlobo zokuqinisekisa ziyamukeleka yini
  • Cela usizo engosini ukuze uthole izincwadi
  • Nikeza inkulumo ebhaliwe echaza ukuthi kungani ungakwazi ukuthola izincwadi ezithile
  • Ngenisa ubufakazi obungaphelele lapho usebenzela ukuthola izincwadi ezisele
  • Buza ngokukhetha ukuzihlola ngokwakho ukuze uthole ezinye izinhlobo zolwazi

Ukulawula Ukukhokha Ngokweqile

Uma uthola isaziso sokukhokha ngokweqile, ungathuki. Okukhethwayo ukusingatha ukukhokha ngokweqile kuhlanganisa:

  • Application uma kungalungile:[[FT:1] Uma ukholelwa ukuthi ukuzimisela ukukhokhiswa akulungile, bhala isikhalo ngokushesha
  • Cela ukuhlehla: Kwezinye izimo, ungakwazi ukubuyisela ukukhokha ngokweqile ngemali engaphansi kwengqikithi
  • Hlela Uhlelo Lokubuyisela:[ Izinhlangano eziningi zizosebenza nawe ukuze zisungule uhlelo olubizayo lokukhokha inyanga yonke
  • Isicelo sokucela i-Waiver:[ Uma ukukhokha ngokweqile bekungelona iphutha lakho futhi ukukhokha kungabangela ubunzima, ungakwazi ukucela umlindi
  • Ngaphansi kokubekwa phambili: Uma usathola izinzuzo, inxusa linganciphisa izinzuzo zakho zamanje ukuze ubuye ukhokhe imali eshisiwe

Imithombo Yengcebo Nendawo Ongathola Kuyo Usizo

Imithombo Kahulumeni

Amawebhusayithi kahulumeni amaningana anikeza ukwaziswa okubanzi ngezinhlelo zosizo:

  • Benefit.gov: I-metary yezinhlelo zikahulumeni nombuso ezisiza ngethuluzi lokuhlola lokukusiza ukuba uqaphele izinhlelo ongase uzifanele
  • USA.gov: Isiqondiso esingokomthetho ekwazisweni nosizo lukahulumeni, kuhlanganise nezinhlelo zosizo
  • Izinkonzo Zobuntu zikaHulumeni Website:[ Izifunda eziningi zinewebhusayithi ezinikezelwe ukuze zinikezelwe izinhlelo zazo zezinhlelo zezinhlelo ze-inthanethi kanye nokwaziswa
  • 2111:[ I-Dial 211 kunoma yiluphi ucingo ukuxhumanisa nemithombo yezosizo nendawo yakini

Izinhlangano Zosizo Ezingokomthetho Nezezezimali

Usizo olungokomthetho olukhululekile lukhona kubantu abahholo abaphansi abasebenzelana nezindaba ezizuzisayo:

  • [[Inhlangano yezinkonzo zomthetho]:[ Thola ihhovisi lakho losizo lomthetho lasendaweni [[QLT:2]lc.gov[
  • Inhlangano yesizwe yabameleli be Consumer: Iminikelo ibhekisa kubameli abasizayo ngezindaba zabathengi
  • Isimo se Bar Associations: Abaningi banikeza izinkonzo zommeli zokubhekisa phambili nezinhlelo ze-proono
  • IKliniki yesikole somthetho:[ izikole eziningi zomthetho ziphethe imitholampilo enikeza izinkonzo zomthetho zamahhala

Izinhlangano Zomphakathi

Izinhlangano zomphakathi zendawo zinganikeza usizo lwezicelo, ukuphamba, nemithombo eyengeziwe:

  • Izenzo Zomphakathi
  • Amabhange okudla namapani okudla
  • Izinhlangano ezisekelwe okholweni
  • Izikhungo ezingenamakhaya nabanikazi benkonzo
  • Izikhungo Ezinkulu Nezindawo Eziphuthumayo Zokuguga
  • Izinhlangano ezihlulekayo ukulwela amalungelo
  • Izinhlangano zenkonzo zabafuduki nababaleki

Ukuhlela Impumelelo Yesikhathi Eside

Nakuba izinhlelo zosizo zinikeza ukusekela okubalulekile ezikhathini ezinzima, umgomo oyinhloko ukufinyelela ukuqina kwezimali nokuzisiza. Nawa amasu okuphumelela isikhathi eside:

Ukwakha Amakhono Nemfundo

Zihlolele ngokwakho ngemfundo nangekhono lokuthuthuka:

  • Sebenzisa izinhlelo zokuqeqesha umsebenzi mahhala ezinikezwa ngezinhlangano zezentuthuko yezisebenzi
  • Phishekela i-GED yakho noma isikole esiphakeme uma ungenaso idiploma
  • Izinhlelo zomphakathi wamakolishi, eziningi zazo ezinikeza usizo lwezimali kubafundi abathola imali encane
  • Hlakulela amakhono asebenzayo ngezifundo ze-inthanethi nokubhala amaxwebhu
  • Hlanganyela ezimisweni zokuqeqeshelwa umsebenzi ezinikeza ukuqeqeshwa okuholelayo

Ukuhlela Izimali Nokwakha Okuhle

Ngisho noma uhola imali encane, ungaqala ukwakha ukuqina ngokwezimali:

  • Yenza uhlelo lokusebenzisa imali ukuze uthole imali oyiholayo nezindleko
  • Vula i - akhawunti yokulondoloza imali futhi wonge ngisho nemali encane njalo
  • Hlola ama - akhawunti entuthuko ngayinye (IDAS) ahambisana nemali oyibekile
  • Sebenzisa inzuzo yezinkonzo zokulungisa intela mahhala futhi uthi zonke izikweletu ozifanele, kuhlanganise neMasheya ekhokhelwayo
  • Gwema izinkonzo zezimali eziwukuxhaphaza njengokuboleka imali ngosuku lokukhokha nokuhlola izinkonzo zokukhokhela
  • Yakha isikweletu ngokunakekela ukuze uthuthukise amathuba emali esikhathi esizayo

Ukuthuthuka Kwemisebenzi Yokuziphilisa

Gxila ekukhuleni komsebenzi, hhayi nje emsebenzini:

  • Sebenzela abeluleki abasebenzayo ukuze baphawule izindlela zomsebenzi kanye namathuba okuthuthuka
  • Funa umsebenzi ezimbonini onamathuba okuthuthuka
  • Inethiwekhi nochwepheshe emkhakheni wakho wesithakazelo
  • Funa abaqashi abanikeza izinzuzo, ukuqeqeshwa, nentuthuko
  • Cabangela kuqala ngezikhundla ezinikeza izindlela ezicacile zokukhushulwa esikhundleni
  • Qhubeka uthuthukisa amakhono ngisho nangemva kokusebenza

Isiphetho

Ukuqonda lezi zinhlelo, ukwazi amalungelo akho, nokuthola imithombo ekhona kungenza umehluko omkhulu emakhonweni akho okubhekana nezikhathi ezinzima futhi usebenzele ukufinyelela isikhathi eside.

Khumbula ukuthi ukufuna usizo akulona uphawu lokuhluleka, kodwa lezi zinhlelo zikhona ngenxa yokuthi umphakathi wethu uqaphela ukuthi noma ubani angabhekana nezinselele ezingalindelekile. Kungakhathaliseki ukuthi ubhekene nokulahlekelwa umsebenzi, ulwa nokudla, noma udinga usizo ngezindleko zendlu noma zezokunakekelwa kwezempilo, lukhona usizo.

Zinike isikhathi sokuhlola zonke izinhlelo ongase uzifanele, uqoqe izincwadi ezidingekile, futhi unganqikazi ukufuna usizo kuzisebenzi ezifaka izimali, izinhlangano zosizo ezingokomthetho, nemithombo yomphakathi. Ngokuphikelela nangokusekela okulungile, ungasebenzisa lezinhlelo ngokuphumelelayo futhi uzisebenzise njengamatshe anyathelela ekufinyeleleni imigomo yakho futhi wakhe ikusasa elilondekile ngokwezimali.

Indlela esukela ekuzinzeni okungokwezimali ukuya ekuzinzeni ayilula ngaso sonke isikhathi, kodwa ngokusekela kwalezinhlelo nokuzimisela kwakho, kungenzeka. Sebenzisa imithombo ekhona, usebenzise imfundo namakhono akho, futhi uqhubeke usebenzela emigomweni yakho emide. Lezinhlelo ziklanyelwe ukukusiza ngezikhathi ezinzima, zisebenzise ngokuhlakanipha njengoba wakha uqonde phambili esikhathini esizayo esingcono.