Ukulungiselela Ukuthatha Umhlalaphansi Lapho Une-MS

-Delile

• 1. Hlola impilo yakho
• 2. Cabanga lapho ufuna ukuhlala khona
• 3. Thola izinketho zakho zezimali zilandelana
• 4. Gcina amarekhodi amahle
• 5. Qasha umeluleki
• 5. Thola isabelomali
• 6. Lungiselela ukuthatha umhlalaphansi ngaphambi kwesikhathi
• 7. Cabanga ngezidingo zakho zokunakekelwa esikhathini esizayo
• Ukudla okudlela endlini

Ukulungiselela umhlalaphansi wakho kudinga ukucabanga okuningi. Kunezinto eziningi okufanele uzicabangele. Ngabe uzoba nemali eyanele yokuthenga indlela yakho yokuphila yamanje? Ingabe ikhaya lakho lingabhekana nanoma yikuphi ukukhubazeka esikhathini esizayo? Uma kungenjalo, uyakwazi ukuhamba?

Uma uhlala nesifo esingalindelekile njenge-multiple sclerosis (MS), ukuhlela umhlalaphansi kuthatha ubukhulu obuhluke ngokuphelele. Okokuqala, kunzima ukubona kusengaphambili lapho kuzodingeka uyeke ukusebenza. Futhi awazi izinhlobo eziqondile zezindawo zokuhlala ezikhethekile ozodinga ukuhlala uzimele ngokuzayo.

Izindaba ezimnandi ukuthi ukuthatha umhlalaphansi kuyinto engokoqobo kubantu abaningi abane-MS. Intuthuko yokwelashwa ithuthukile yaze yafika lapho abantu abaningi abane-MS bengahlala khona cishe isikhathi eside njengabantu abangenayo i-MS.

Manje yisikhathi esihle sokubheka isimo sempilo yakho, impilo yakho nezimali zakho. Qala ukucabanga ukuthi uhlela ukuthola kanjani uma ungasatholi inkokhelo.

1. Hlola impilo yakho

Inkambo ye-MS kungaba nzima ukubikezela. Ungahle ungabi nokukhubazeka impilo yakho yonke, noma ungaba nenkinga yokuzungeza. Sebenzisa impilo yakho yamanje ukusiza ukubona ukuthi ikusasa lakho lingabukeka kanjani.

Ingabe imithi yakho ilawula izimpawu zakho? Sishesha kangakanani isifo sakho? Buza udokotela wakho ukuthi akunikeze umbono ongalawuleki walokho ongakulindela kamuva empilweni ngokuya ngohlobo lwe-MS onalo, nokuthi isifo siqhubeka kanjani.

2. Cabanga lapho ufuna ukuhlala khona

Uzibona ukuphi phakathi neminyaka yakho yegolide? Cabanga ngokuthi ungathanda ukuhlala kuphi uma usuthathe umhlalaphansi. Ingabe uhlela ukuhlala ekhaya lakho? Uma kunjalo, ungadinga ukwenza indawo yokuhlala ukukusiza ukuthi uhambe ngokungahambi kancane.

Ngabe ufuna ukuthatha umhlalaphansi kwenye indawo ngokuzizwa okunjenge-resort, njengendlu echibini noma i-condo yolwandle? Uma kunjalo, ngabe bakhona abathandekayo bakho abaseduzane abazokusiza ukunakekela uma udinga usizo?

3. Thola izinketho zakho zezimali zilandelana

Uzoba nokuguquguquka okwengeziwe phakathi neminyaka yakho yokuthatha umhlalaphansi uma ngabe ugcine imali eyanele. Khulisa amandla akho wokonga. Beka eceleni imali yezidingo zansuku zonke nezindleko ezingalindelekile. Ngemuva kwalokho, beka isigaxa semali esizayo.

Bheka noma iyiphi iphothifoliyo oyitshalile. Qiniseka ukuthi ukhipha imali oyongele umhlalaphansi ngemali ngayinye oyiholayo, ngakho-ke uzokwakha imali ngokuhamba kwesikhathi. Hlala uhlola kabusha utshalomali lwakho lwamanje ukuze uqiniseke ukuthi unebhalansi efanelekile yomvuzo.

Ungonga okuningi uma usebenzisa imali encane. Nciphisa izinto ezingabalulekile nezokunethezeka. Bona ukuthi ufanelekile yini ukuthola noma yiziphi izinzuzo noma izinhlelo zikahulumeni ezifana neMedicare, Medicaid, VA benefits, Supplemental Security Income, kanye nokuncishiswa kwentela. Lokhu kungakusiza wonge imali.

4. Gcina amarekhodi amahle

Ukuze ufanelekele izinzuzo ezithile zezokwelapha nezezezimali, kuzodingeka unikeze amarekhodi. Gcina wonke la maphepha abalulekile ku-binder eyodwa, okulula ukuyithola:

• isitifiketi sokuzalwa
• imininingwane ye-akhawunti yokuhlola nokonga
• izitatimende zekhadi lesikweletu
• izinzuzo zabasebenzi
• izinqubomgomo zomshwalense (ukukhubazeka, impilo, impilo, ukunakekelwa kwesikhathi eside)
• imininingwane ye-akhawunti yokutshalwa kwezimali
• imali mboleko
• isitifiketi somshado
• imali ebanjiswayo
• amandla abameli kanye nemiyalelo yokuhamba phambili
• Ikhadi Lezokuphepha Komphakathi
• amafomu entela
• iziqu (imoto, indlu, njll.)
• kuthanda

Futhi, gcina irekhodi lezindleko zakho zezokwelapha nokutholakala komshuwalense.

5. Qasha umeluleki

Uma ungenaso isiqiniseko sokuthi ungayiphatha kanjani imali yakho yomhlalaphansi, thola izeluleko zochwepheshe zokuhlela ezezimali. Kuhle ukuba nomeluleki oyedwa noma abaningi ekudayeleni okusheshayo:

• accountant
• ummeli
• umhleli wezezimali
• umenzeli womshuwalense
• umeluleki wezotshalomali

5. Thola isabelomali

Isabelomali singakusiza ukwelula imali yakho lapho izodinga ukuya empeshenini. Thola ukuthi yini onayo manje, kufaka phakathi umholo wakho, ukulondolozwa kanye nokutshalwa kwemali. Bheka ukuthi ukweleta malini. Thola izindleko zakho zenyanga bese ucabanga ukuthi uzodinga malini uma usuthathe umhlalaphansi.

Ngokuya ngalezo zinombolo, dala isabelomali esizokuvumela ukuthi wonge imali eyanele yokuthatha umhlalaphansi. Umhleli wezezimali noma i-accountant angasiza uma ungalungile ngezinombolo.

Futhi, qagela ikusasa. Cabanga ukuthi yiziphi izinhlobo zemikhiqizo nezinsizakalo ongazidinga ukusiza ukuphatha i-MS yakho. Lokhu kungafaka phakathi umsizi wabahlengikazi wasekhaya, ilift stair, noma i-remodel kabhavu. Beka eceleni imali ukumboza lezi zindleko ezingaba khona.

6. Lungiselela ukuthatha umhlalaphansi ngaphambi kwesikhathi

Kwesinye isikhathi isimo sakho sizokwenza ukuthi kungabi lula ukuthi uqhubeke nokusebenza. Ngemuva kweminyaka engamashumi amabili nge-MS, cishe isigamu sabantu abasasebenzi, ngokusho kwe-PLoS One.

Ukuphelelwa ngumsebenzi kunganciphisa imali oyongile. Ngaphambi kokuthi uyeke, bona ukuthi inkampani yakho izokwenza yini izindawo zokuhlala ezizokusiza uhlale.

Ngaphansi koMthetho waseMelika okhubazekile, umqashi wakho kungadingeka ukuthi enze ukulungisa endimeni yakho ukuze ukwazi ukwenza umsebenzi wakho. Lokhu kungabandakanya ukushintsha noma ukunciphisa amahora akho noma ukukuyisa emsebenzini omncane. Unethuba lokusebenzisa isikhathi sekhefu lomndeni nelokwelapha noma ukwenza ukukhubazeka, kunokuba uyeke ngokuphelele.

7. Cabanga ngezidingo zakho zokunakekelwa esikhathini esizayo

Ngenxa yokwelashwa okuthuthukile kwe-MS, ukukhubazeka akulona usongo namuhla kunakuqala. Noma kunjalo, kufanele uzilungiselele ukuthi kungenzeka yini ukuthi ungakwazi ukuzulazula kalula ngokuzayo.

Cabanga ukuthi yiziphi izindawo zokuhlala zasekhaya ongazidinga, nokuthi zizobiza malini. Ukunwetshwa kweminyango, ukwengeza imigwaqo yezihlalo zabakhubazekile, ukufaka ishawa yokugingqiza, nokwehlisa imiphezulu yamatafula ezinye zezinguquko ongazicabanga.

Futhi bheka izindlela eziningi zokunakekela - kusuka ekuqashweni komhlengikazi ukuya endaweni yokunakekelwa yesikhathi eside. Thola ukuthi umshwalense wakho uthini, nokuthi uzoba yini umthwalo wokukhokha ephaketheni.

Ukudla okudlela endlini

Ngeke wazi ukuthi ikusasa lizoletha ini uma une-MS. Kepha kuhlale kungumqondo omuhle ukuhlela kusengaphambili.

Qala ngokudlula ngesimo sakho sezezimali. Bona ukuthi yini osuyilondolozile, nokuthi ucabanga ukuthi uzodinga imali engakanani ngekusasa.

Sebenzisa lonke uhlelo nokuzuza okutholakala kuwe. Uma ungaqiniseki ukuthi ungaqala kuphi, cela umhleli wezimali noma omunye umeluleki ukuthi akuqondise kule nqubo.