Mari inoshandiswa inenge iri chinhu chekupedzisira iwe unoda kufungisisa paunodzidza iwe une kenza yemastastra . Mune dzimwe nzira, haisi kungonzwa sekanaka kuti vanhu vanofanira kufunganya pamusoro penhepfenyuro yemari kana vachitarisana nenyonganyonga yepanyama uye yepfungwa yekenza .
Asi, tinorarama munyika umo kenza inodhura zvikuru . Muchienzanidzo umo mari inosvika uye simba rekushanda rinoenda pasi kana kurega zvachose, mari yacho haisi nguva dzose zvatinoda.
Kunyange zvazvo izvi zvingaita sekunetseka, zvinogona kuita musiyano mukuru kutora nguva shomanana yekufunga nezvemari yako pakutanga, nekutanga kuchengeta. Inogona kubatsirawo kugadzirisa zvimwe zvekutya kwako kudzidza kana iwe uchitsvaga rubatsiro uye kana zvakadaro, tsvaga zvingasarudzwa zviripo.
Matanho ekutevera
Chinhu chinonyanya kukosha chaungaita mari ndeyekutanga kuchengeta zvinodiwa zvako, kana iwe ukaonekwa, kana kuti nokukurumidza zvichiita. Vanhu vazhinji vanozviona zvichibatsira kutenga bhuku rakagadzirirwa kuti riongorore mari yako. Panguva imwecheteyo, unogona kuda kutora faira yekuchengeta chero mapeti ekukosha.
Izvi hazvirevi kuti iwe unofanirwa kugara pasi neauntian kwemaawa nenguva. Iwe une zvinhu zvinokosha zvikuru zvaunoda kuisa pfungwa pazviri, asi maminetsi mashomanana zvino anogona kukuponesa iwe nemhuri yako nguva uye misoro gare gare.
Kurapa Kwemitero
Chimwe chikonzero chekutanga kuchengeta purogiramu yemari pakarepo ndechokuti mari zhinji inosangana nekenza iyo inotora mutero.
Iwe unogona kuora mwoyo uchiziva kuti kuderedzwa kwechiremba kunopfuura kudarika 10 kubva muzana yemari yakawanda yakachinjwa kuti uwane, asi vanhu vazhinji vanoshamiswa kuti nokukurumidza nhamba iyi inosvika sei.
Kungotora nguva yekunyora zvaunoshandisa sezvazvinenge zvichiitika (kunyange maireji kusvika kushanyira kwako zvinobviswa) uye kukanda mapeti mufaira kungachengetedza maawa akawanda (nemari) munguva refu.
Budgeting
Kana uchinge uine kadhi rako rekunyora kuti urenge mari yako inobatsira kuwana pfungwa yepasi yako. Izvi hazvifanirwi kuva shanduro yakanyanyisa ichinyora zvinhu zvose nemari yose, asi pane mufananidzo mutsva wemari nezvikwereti. Izvi zvichakupa pfungwa iri nani yekuti iwe kana iwe haufaniri kutarisa mune zvimwe zvingasarudzwa kuti usangane nemari yekutarisira kwako.
Inishuwarenzi Inosangana
Kunyatsoona nezvehutano hwehutano inshuwarheni kune imwe yenzvimbo dzinonyanya kukosha yekugadzirira mari apo iwe une kenza yemasita. Heano mazano mashomanana:
- Dzokorora hurongwa hwako - Vanhu vazhinji vane pfungwa yakawanda yehutano hwavo hwehutano inshuwarheni, asi ino ndiyo nguva yakanaka yekuongororazve hurongwa hwako. Izvi zvichakupa pfungwa pamusoro pemari yakafukidzirwa uye kana iwe hausi pasi.
- Kunzwisisa musiyano uri pakati pekunamatira uye kunze kwevashandi vehutano - Manyhuwarisi emitemo ane zvikamu zvakasiyana-siyana zvekugadzirisa zvichienderana nokuti kliniki kana chipatara chiri mumataresi kana kunze kwekunamatira. Kunyange zvazvo kliniki shomanana inoshanyira kunze kwehutano ingasawedzere zvakanyanya kudaro, mutsauko webhadharo wekunze kwetachipatara hospitali inogona kuwedzera nokukurumidza.
- Dzidza pamusoro pegadziriro yekubvumirwa kare - Kana iwe ukawana kuti kurapwa iwe unoda kunongowanikwa kunze kwekunamatira, shandisa iyo inshuwarisi yekambani. Kana uchikwanisa kuratidza kuti mushonga unongowanikwa pane imwe nzvimbo yepamusoro yekenza yemukati yakakwirira kana ine madhara mashoma, inshuwarisi yako inogona kuvhara mari yako pane in-network rate.
Ramba uchifunga kuti nyaya idzi dzinoda kuonekwa musati waita kurapwa uye izvi zvinogona kugumbura kana iwe uchitotarisana nezviratidzo zvekenza. Kana uine shamwari kana nhengo yemhuri iyo inogona kukubatsira kufamba nenzira idzi, kunyatsofunga kuvabvumira kuti vabatsire.
- Dzokorora zvikwereti zvako - Icho chikonzero chakanaka kutora nguva kuti uongorore mabhiriro ako kubva pakushanyira uye kuporesa. Zvikanganiso zvakawandisa zvikuru uye zviri nyore kugadzirisa kana akawana kare.
- Dzokorora kugoverwa kwako kwekuchengetwa kwemusha uye kuchengetwa kwevarwere - Kunyangwe iwe uchinzwa zvakanaka uye uchivimba kuti hauzodi izvozvi zvingasarudzwa, tarisa kuona kuti chii chine chinyorwa chaunacho nezvekuchengetwa kwehutano hwemusha nekuchengetwa kwevana. Zvirongwa zvakawanda zvinofukidza izvi zvinoda asi zvinyorwa zvingasiyana zvakanyanya.
Disability Inishuwarenzi
Kurasikirwa kwemari ndeimwe yezvinonyanya kukosha kune avo vanotarisana nekenza yemasita. Kana iwe uchangobva kuongororwa kuti une kenza yemastastrase, inogona kunzwa sokuti yakangotanga kunyanya kufunga nezvekuremara, asi nguva yakanakisisa yekufunga izvi ndeyekare usati waida.
Unogona kunge uri nehutano hwehurema kuburikidza nebasa rako kana kuburikidza nehupfumi hwehupfumi, kana iwe ungada kuongorora hutano hwehutano hunoremara.
Sezvo nzira yekukumbira rubatsiro rwekuchengetedzwa kwehupfumi hurefu, nguva yakanakisisa yekushanda ndeyokukurumidza kana iwe uchida. Kuti uwane, iwe unoda chiremba kuti usayine fomu achiti iwe haugoni kushanda nekuda kwehutano huri kutarisirwa kuenderera mberi mwedzi gumi nembiri (kana kuti kuguma murufu.) Ramba uchiyeuka kuti kana ukaenderera mberi ita zvakanaka uye usarudze kuti gare gare unokwanisa kushanda, iwe unogona nguva dzose kudzivisa purogiramu.
Iwe unogona kuvhiringidzika nemusiyano pakati pekuchengetedzwa kwehutano hwehupfumi (SSI kana SSDI) uye kuwedzera kwekuchengetedza mari (SSI). Kusiyana ndeyekuti SSD inopiwa kune avo vakawana nhamba chaiyo yebasa rekushanda, asi SSI inowanikwa kune avo vane mari shoma kana vasina kushanda kunze kweimba yakakwana kuti vawane chikwereti chebasa chinodiwa kuti vakwanise.
Financial Support
Kunyange neine inshuwarisi yakaisvonaka inotarisirwa, zvinodhaka zvekenza kurapwa zvinogona kuva zvakanyanya. Nokutsvaga pazasi yako sezvakataurwa, iwe uchange uine pfungwa yakanakisisa yekuti kana kwete iwe unoda rubatsiro rwakawedzerwa.
Kuongorora mazano ekubhadhara mari yako
Kana iwe usina mari yaunoda mubhangi-sehuwandu hwevanhu vane chirwere chemastastine haufaniri kutora nguva yekufunga pamusoro pezvaungasarudza. Semuyenzaniso:
- Iwe unogona kutora chikwereti pa inshuwarisi yeupenyu hwako here?
- Iwe unogona kutora chikamu chechipiri (kana chechitatu) chikwereti kumba kwako here? Kune avo vanopfuura makore makumi matanhatu nemashanu, mungagona here kutora chikwereti chekare?
- Iwe une shamwari here kana kuti nhengo dzemumhuri mako angave achida kukukwereta iwe mari?
- Iwe unogona here kupinda muhomwe yako yekusara? Iwe unogona kutora kutora kurasikirwa, asi kwenguva refu, kurasikirwa kwakadai seiyo mberi kunogona kuchengetedza mari pasi pemutsara.
- Iwe unayo chero zvinhu zvinokosha zvaungada kugovana nazvo zvaunogona kutengesa?
- Iwe une shamwari here dzinogona kunge dzakagadzirira kuronga fundraiser munharaunda yako kana paIndaneti? Fundraisers ndiyo nzira yakakurumbira yevanhu vane kenza yepamusoro yepabonde yekurera mari uye inowanzobudirira. Kune zvakawanda zvekutsvaga mune zvekutsvaga kuburikidza nehuwandu hwemagariro iwe unogona kuongorora. Kana uine shamwari inonakidzwa nekugadzirira vatengesi vemari, zvinoshamisa kuti mabhizinesi akawanda emunharaunda yakawanda achafara kupa zvivako, kudya, kana zvimwe zvinhu zvekutengesera zvinyararire.
Iwe unogona kufunga nezveimwe nzira, asi kutora nguva yekufunga nezvimwe zvezviitiko zvingakupa humwe husimbiso.
Kubatsira Kwemari
Kana iwe uchiri mutsvuku mushure mokuongorora zvisarudzo zvako, iwe unogona kuda kutarisa kune zvakasiyana-siyana zvekubatsira kuripo.
Kune masangano akawanda anopa rubatsiro kuvanhu vanorwara nekenza yemasitema, asi mhando dzekubatsira dzinosiyana. Vamwe vanopa rubatsiro nerenda kana kutakura. Vamwe vanopa rubatsiro rwezvemari yekuchengeta vana. Asi vamwe vanopa dzidzo yekoroji yevana vevaya vane kenza yematenda emuviri.
Zvirongwa zvepurogiramu yemishonga yemishonga inogona kupa iwe mukana wekugamuchira kurapwa kwako kana mishonga pakuderedzwa. Kune kunyange zvirongwa zvekushandira pasina zvekurapa mune dzimwe nzvimbo.
Sezvo pane zvakawanda zvakasiyana-siyana zvekusarudza, nzira yakanaka yekutanga nayo ndeyokutaura nekenza yako inyanzvi yehupfumi. Kazhinji kenza yemagariro ehurumende akabatsira vamwe vakaita sawe kuwana rubatsiro rwavanoda. Iwe unogonawo kuda kukumbira shamwari ine simba kana nhengo yemhuri kuti uongorore nzira dzingakubatsira, sezvo izvi zvingava nguva inopedza uye inotyisa.
> Sources:
> DeVita, Vincent., Et al. Kanzira: Mitemo & Practice of Oncology. Kanzira yeBretiti. Wolters Kluwer, 2016.
> America Cancer Society. Cancer Chokwadi uye Zvikamu 2016. https://www.cancer.org/content/dam/cancer-org/research/cancer-facts-and-statistics/annual-cancer-facts-and-figures/2016/cancer-facts- uye-nhamba-2016.pdf