Mmene Mungapezere Thandizo Ngati Mutha Kutaya Ndalama Panyanja
Nditangoyamba kuyenda, ndinkangokhalira kuyenda mofulumira, zomwe zinali zovuta kwambiri. Kalelo, ndinkaopa kuti ndikufunkhidwa kapena kukwapulidwa ngati kuti ndichitika tsiku ndi tsiku kwa alendo omwe amasankha kukhala m'nyumba zamakono. Ndinkadandaula zachinyengo cha khadi la ngongole. Ndinadandaula kuti ndidzakhala ndi nthawi yabwino kuti ndiiwale kusunga ndalama zanga komanso tsiku lina ndikuzindikira kuti ndikuthawa.
Ndinkadandaula ndi zinthu zambiri ndikayamba kuchoka.
Mwamwayi, kuyenda si koopsa ngati mukukumbukira kuti mutenge katundu wanu wamba m'thumba lanu, ndipo zovuta zomwe mumathera ndizochepa kwambiri. Muzaka zisanu ndi chimodzi za ulendo, sindinakambirane za zomwe zikuchitika kwa aliyense.
Koma izo sizikutanthauza kuti izo sizidzachitika.
Ngati mutha kutaya ndalama zanu ponseponse mukuyenda, komabe sikuyenera kukhala chiwonongeko chonse. Boma la US limapereka thandizo lachuma kuti anthu osamukira, kuphatikizapo ngongole yobwereranso, abwerere, kotero kuti nthawi zonse muzikhala nawo.
Tiyeni tiyang'ane kupeŵa kuti zonsezi zikhale zosauka panthawi yoyendayenda, ndi kumene mungatembenukire thandizo ngati mupita kumayiko ena.
Mmene Mungapewere Kutaya Ndalama Zanu Zonse Poyamba
Gawo loyamba ndilo kupeŵa, ndipo pali njira zambiri zomwe mungatenge kuti muthe kutaya ndalama kunja. Zina mwazingowonongeka chabe ndizofunika kuti muzisungira ndalama zanu mu akaunti yanu komanso mutatuluka m'manja.
Tsatirani njira zambiri zopezera chitetezo pamene mukuyenda mumsewu, monga kugawa ndalama zanu m'malo osiyana, osati kuvala lamba la ndalama ndi chirichonse chofunikira kwa inu (nthawi zambiri malo oyambirira akuyang'ana), osayendayenda m'madera osasamala, ndi kusunga zinthu zanu payekha ndi inu pamasiku oyendayenda.
Sungani ndalama pansi pa nsapato zanu mukakhala mukugwedezeka ndipo mukufunika kupeza tekesi kuti mupite kumalo anu mofulumira.
Musatenge ndalama zambiri payekha pamene mukuyenda, komanso osati ndalama zambiri kapena madola mazana ambiri. M'mayiko ambiri, padzakhalanso ATM ndipo simudzapatsidwa ndalama zambiri zotsalira. Kungotenga zambiri monga momwe mukufunira, ndipo simudzasowa kudandaula zambiri zokhudza kubedwa. Ngati zichitika, sizidzakhala ndalama zanu - zidzakhala madola 200 makamaka.
Ndi bwino kuyang'ana kawirikawiri akaunti yanu ya banki kuti mudziwe bwino ndalama zomwe mwasiya mu akaunti yanu. Chinthu chotsiriza chomwe mukufuna kuti mupeze ndalama, koma osadziwa, chifukwa mumangokhala osangalala kwambiri. Ndikuonetsetsa kuti ndalama zanga zimagwiritsidwa ntchito pamabanki kamodzi pa sabata, ndipo nthawi zambiri ndikachotsa ndalama kuchokera ku ATM.
Ndimalimbikitsanso kuyenda ndi ma debit angapo kapena makadi a ngongole omwe akugwirizanitsidwa ndi mabanki osiyanasiyana a mabanki - onsewo ali ndi ndalama. Nthawi zina mabanki anu adzatseka khadi lanu pamene muli kunja ndipo njira yosavuta kuti mutsegulire ndi kupeza Wi-Fi ndi Skype ali nawo kuchokera kunja, koma sizingatheke nthawi zonse.
Ngati ndizochitika mwadzidzidzi, muthokoza kukhala ndi makadi owonjezera amene mungagwiritse ntchito ngati kusungira. Zimenezi zinandichitikira ku Maldives - banki yanga inatseka khadi langa ndipo ndinayenera kugwiritsa ntchito ndalama zanga kuti ndipeze ndalama. Mu Wi-Fi, ndikadakhala pa eyapoti ndipo sindingathe kupita kulikonse popanda ndalama zanga.
GoFundMe Angakhale Chochita
GoFundMe ndi yabwino kwambiri pazidzidzidzi, monga momwe mungathere kuchokera kwa anzanu ndi abambo, omwe akufuna kukuthandizani. Gwiritsani ntchito izi ngati wina akuba chirichonse ndipo mulibe chilichonse chotsalira. Anthu akufuna kukuthandizani pazinthu zachuma. Musati muchite izi ngati mutangopeza ndalama zambiri ndipo simungakwanitse kufika panyumba - mumadzipeza nokha, choncho tsopano ndi nthawi yoti mutuluke.
Muthandizidwe wa Financial Emergency Financial, Dipatimenti ya Ngongole yobwereranso
Kotero, chimachitika ndi chiyani ngati chochitika choipitsitsa ndikudzidzimutsa kuti uli kunja kwa dziko popanda ndalama kwa dzina lanu?
Maofesi a Alendo a Kumidzi (OCS) ndi magawano a US Department of State's Bureau of Consular Affairs ndipo ali ndi udindo wa anthu a ku America akupita kunja. Nthandizo za Amitundu ndi Amayi a ku America (ACS) ndi limodzi mwa magawo a OCS. ACS imamangirizidwa ku mabungwe a US ndipo imayendera padziko lonse lapansi. Kuchokera ku Dipatimenti Yachigawo ya US:
"Ngati aumphawi, amwenye amatha kupita kwa alonda a ku United States kukapempha thandizo. ACS idzathandiza mwa kulankhulana ndi banja laumphaŵi, abwenzi, kapena mabwenzi awo kuti akweze ndalama zapadera.
"ACS imavomereza ngongole yobwezeretsa kubwezeretsa anthu osauka a ku America kubwerera ku US mwachindunji Chaka chilichonse kuposa $ 500,000 amaperekedwa kwa anthu osauka a ku America."
Pokhala ndi ngongole yobwezeretsa, monga ngati mukuitana kunyumba kuti muthandizidwe ndi ndalama, muyenera kuyembekezera kutsidya kwa nyanja kuti ndalama zifike ndipo potsirizira pake mutabwezere ngongole.
ACS ikhoza kufika pa 1-888-407-4747 ku US (ngati wina akuchokera kunyumba akuyitanitsa kumene mungapite kuti athandizidwe) kapena 1-317-472-2328 kuchokera kunja kwa dziko. Iwo adzakuuzani komwe mungapite, choti muchite, ndikuyembekeza, kuthetsa mavuto anu azachuma kwa kanthawi.
Muthandizi Wambiri wa Boma
Boma liri ndi malo ambiri othandizira alendo, komwe mungapeze chithandizo chochuluka pamene mukuchifuna kwambiri, kaya mwataya pasipoti yanu, ndalama zanu, kapena mumangofuna kupeza komwe mungapite ndi anu galu.
Cholemba ichi chatsinthidwa ndi kusinthidwa ndi Lauren Juliff.