Ukulungiselela nokululama ekuphazamisekeni kwezezimali · Isifundo 1 2

Lapho imali engenayo iyeka: izinsuku zakho zokuqala ezingama-30

Uhlelo lwezinsuku ezingama-30 lokudilizwa, ukuncishiswa kwamahora, noma ukuvalwa kukahulumeni: nquma ukuthi yiziphi izikweletu eziza kuqala, faka isicelo sosizo, futhi ugweme izicupho ezibizayo. (About 15 min, 6 quiz questions)

Kulesi sifundo

Yini ozoyifunda

Nquma ukuthi yiziphi izikweletu okufanele uzikhokhe kuqala lapho imali engenayo yehla, usebenzisa isibonelo esisebenzayo.
Faka isicelo somshuwalense wokungasebenzi kanye nolunye usizo e-DC, Maryland, naseVirginia.
Shayela abanikazi bezindlu, ababolekisi, kanye nezinsiza ukucela uhlelo lokukhokha ngaphambi kokuthi umthethosivivinywa ukhokhelwe.
Gwema izikweletu ezibiza kakhulu kanye nemikhonyovu ebhekiswe kubantu abasenkingeni yemali.

Ukuthi lokhu kuxhumene kanjani namakilasi ethu: Isigaba sethu sihlanganisa indlela yokubeka izikweletu ngalokho okwenzekayo uma ungazikhokhi. Lesi sifundo siguqula lelo khono libe uhlelo lokusebenza lwezinsuku ezingama-30 lokudilizwa, ukusika amahora, noma ukuvalwa kukahulumeni, nezindawo eDC, eMaryland, naseVirginia ukufaka isicelo sosizo.

Amagama okumele wazi

Umshuwalense Wokungasebenzi (UI) (Unemployment insurance (UI)): Izinkokhelo zamasonto onke ezivela kuhulumeni, isikhathi esilinganiselwe, kubasebenzi abalahlekelwa umsebenzi wabo noma amahora ngaphandle kwephutha labo.
I-Furlough (Furlough): Isikhathi lapho umqashi, njengohulumeni wobumbano ngesikhathi sokuvalwa, etshela abasebenzi ukuthi bayeke ukusebenza futhi angabakhokheli.
Uhlelo lobunzima (Hardship plan): Isivumelwano sesikhashana nombolekisi sokunciphisa noma ukumisa izinkokhelo zakho ngoba imali yakho yehla.
Ukubekezela (Forbearance): Imvume evela kumbolekisi yokumisa noma ukwehlisa izinkokhelo zemalimboleko isikhathi esinqunyiwe. Imvamisa usakweleta inani elimisiwe kamuva.
Ilungiselelo lokukhokha (Payment arrangement): Uhlelo nenkampani yakho kagesi, igesi, noma amanzi ukukhokha umthethosivivinywa owedlule ezingxenyeni ezincane ngokuhamba kwesikhathi.
Icala lomphakathi (Public charge): Isivivinyo emthethweni wokufuduka esibheka ukuthi umuntu angancika yini ekusizeni kukahulumeni. Kuthinta kakhulu abantu abafaka isicelo sekhadi eliluhlaza.

Uhlelo lwakho lwezinsuku ezingama-30 ngokubuka

Imali engenayo ingayeka ngaphandle kwesixwayiso. Ukudilizwa, ukuncishiswa kwamahora, ukulimala, noma ukuvalwa kukahulumeni kunganciphisa iholo ngesigamu. Ukuvalwa kukahulumeni kuka-2025 kwathatha izinsuku ezingama-43, isikhathi eside kunazo zonke emlandweni wase-US, futhi kwashiya abasebenzi abaningi bendawo yaseDC bengenankokhelwa.

U-Yaw no-Abena Mensah bahlala eHyattsville, eMaryland. U-Yaw waxoshwa emsebenzini wakhe wokulethwa. U-Abena usebenza okwesikhashana njengomsizi wezempilo ekhaya. Inkokhelo yabo yokuthatha ekhaya yehle isuka ku- $ 5,000 yaya ku- $ 2,500 ngenyanga. Lolu uhlelo abalulandelayo.

Izinsuku 1 kuya ku-7: Faka isicelo sokungasebenzi. Hlola umholo wakho wokugcina. Bhala yonke i-bill, inani layo, kanye nosuku lwayo olubekiwe.
Izinsuku 5 kuya kwengu-14: Beka izikweletu zakho. Ngaphambi kosuku ngalunye olubekiwe, shayela wonke umbolekisi kanye nosizo ongeke ukwazi ukukhokha ngokugcwele.
Izinsuku 7 kuya ku-21: Faka isicelo sokudla, amandla, kanye nosizo lokuqasha. Buyisela ukunakekelwa kwezempilo okulahlekile.
Izinsuku ezingama-21 kuya kwengama-30: Yenza uhlelo oluncane lokusebenzisa imali ngenyanga ezayo. Qhubeka ucela inkokhelo yakho yokungasebenzi masonto onke.

Isonto 1: Faka isicelo sokungasebenzi bese uhlola umholo wakho wokugcina

Umshuwalense wokungasebenzi (UI) uthatha indawo yengxenye yomholo wakho olahlekile isikhathi esilinganiselwe uma ulahlekelwe umsebenzi noma amahora ngaphandle kwephutha lakho. Faka isicelo esifundazweni lapho usebenze khona, noma ngabe uhlala kwelinye izwe. Faka isicelo ngesonto lakho lokuqala. Kumahhala.

DC: faka isicelo ku-inthanethi ngoMnyango Wezokuqashwa kwe-DC (DOES). Ukuze uthole usizo, shayela (202) 724-7000.
Maryland: faka isicelo ku-inthanethi ohlelweni lwe-BEACON noma ngocingo. Qala eMaryland Division of Unemployment Insurance.
Virginia: faka isicelo kuKhomishini Yokuqashwa yaseVirginia noma ushayele i-866-832-2363.

Njalo ngesonto, kufanele ucele inkokhelo, ubike noma iyiphi imali oyitholile, futhi uvame ukufuna umsebenzi. Uma amahora akho ancishisiwe kodwa umsebenzi wakho ungapheli, ungathola inkokhelo encane, engxenyeni.

Ukuze uthole i-UI, kufanele ukuthi uvunyelwe ukusebenza e-US lapho uthola iholo, futhi kufanele uvunyelwe ukusebenza manje. Abantu abane-ITIN (inombolo yentela evela ku-IRS) kodwa abangenayo imvume yokusebenza ngokuvamile abakwazi ukuthola i-UI. Uma ukhokhelwa ngokheshi noma uphathwa njengosonkontileka, faka isicelo noma kunjalo futhi ulethe ubufakazi bomholo wakho. Umbuso uthatha isinqumo.

Inkokhelo yokugcina. E-DC, uma umqashi wakho eqeda umsebenzi wakho, inkokhelo yakho yokugcina kufanele ibe ngosuku olulandelayo lokusebenza. E-Maryland naseVirginia, kufanele kube usuku lwakho olulandelayo lokukhokha.

Ukuvikelwa kwezempilo. Uma ulahlekelwa ngumshuwalense wezempilo emsebenzini wakho, unezinsuku ezingama-60 zokubhalisela uhlelo olusha nge-DC Health Link, iMaryland Health Connection, noma iMakethe Yomshuwalense waseVirginia.

Isibonelo

Yimuphi umthethosivivinywa oza kuqala? Ishidi lomsebenzi we-Mensahs

Ama- $ 2,500 ka-Abena kwadingeka amboze umndeni kuze kube yilapho izinkokhelo zokungasebenzi zikaYaw ziqala. Babhala zonke izikweletu futhi babeka ngayinye ngalokho okwakuzokwenzeka uma kungakhokhelwa: ukulahlekelwa ikhaya labo, ukushisa nezibani, ukudla, noma imoto u-Abena ayidingayo emsebenzini.

Izinketho zamasheya kule nyanga - I'solezwe lesiXhosa
Bill (ngokulandelana)	Inani	Ingqikithi kuze kube manje
1. Ukuqasha	$ 1,600	$ 1,600
2. Ugesi negesi	$ 170	$ 1,770
3. Ukudla (uhlu olufushane, kanye ne-pantry yokudla)	$ 400	$ 2,170
4. Umshuwalense wemoto	$ 150	$ 2,320
5. Ucingo ne-inthanethi (uhlelo olushibhile)	$ 60	$ 2,380
Ushiye ezinye izikweletu		$ 120

$ 2,500 imali engenayo - $ 2,380 yezidingo = $ 120 kwesokunxele

Izikweletu ezintathu azifanelanga: imalimboleko yemoto ($ 350), ubuncane bekhadi lesikweletu ($ 75), kanye nekhadi lesitolo elincane ($ 40). Imali mboleko yemoto yafika kuqala kulezi ezintathu, ngoba umbolekisi angathatha imoto. Ngakho-ke u-Abena wabiza umbolekisi ngaphambi kosuku olubekiwe futhi wacela ukuhambisa inkokhelo eyodwa kuze kube sekupheleni kwemalimboleko. Umbolekisi wavuma. I- $ 120 yabe isimboza womabili amakhadi amancane ($ 115). Baphinde bakhansela ukusakaza kanye nobulungu bokuzivocavoca ($ 45).

Qaphela izinto ezimbili. Ukuqasha nezinsiza kwafika ngaphambi kwamakhadi wesikweletu, yize inzalo yekhadi iphezulu. Isinyathelo esibaluleke kakhulu kwakuwukushayela ucingo, okwenziwe kusenesikhathi.

Shayela ngaphambi kokuphuthelwa inkokhelo

Ababolekisi nezinsiza bangakwenzela okuningi ngaphambi kokuthi uphuthelwe inkokhelo kunangemva kwalokho. Ababolekisi abaningi ababiki ukukhokha sekwedlule isikhathi kuma-bureaus ezikweletu kuze kube yizinsuku ezingama-30 ezedlule, kepha imali ekhokhwayo sekwephuzile ingaqala ngokushesha.

Imalimboleko yemoto noma imalimboleko yomuntu siqu: cela ukuhambisa inkokhelo kuze kube sekupheleni kwemalimboleko (ukuhlehliswa), noma ukwehlisa izinkokhelo zakho izinyanga ezimbalwa.
Amakhadi wesikweletu: cela uhlelo lobunzima ngesilinganiso senzalo esiphansi noma inkokhelo.
Imalimboleko: buza i-servicer yakho (inkampani othumela izinkokhelo zakho) mayelana nokubekezelela, futhi ukhulume nomeluleki wezindlu wamahhala ovunyelwe yi-HUD.
Imali mboleko yabafundi be-Federal: buza umhlinzeki wakho mayelana nokuhlehliswa kokungasebenzi noma inkokhelo ngokususelwa emalini yakho. Ungalokothi ukhokhe inkampani ngalolu sizo.
Izinsiza: cela ilungiselelo lokukhokha. Ku-DC, inkampani kagesi ayikwazi ukuvala insizakalo yasekhaya ngezinsuku lapho isibikezelo singama-95 ° F noma ngaphezulu noma i-32 ° F noma ngaphansi. Lokhu kubambezela kuphela ukuvalwa. Usakweleta umthethosivivinywa.
Ukuqasha: khuluma nomnikazi wakho ngaphambi kokuba kufike irenti. Funda isifundo sethu samalungelo abaqashi ukuze ufunde amalungelo akho uma ungakwazi ukukhokha.

Sawubona, igama lami ngingu[igama lakho], futhi inombolo yami ye-akhawunti yi-[number]. Ngilahlekelwe umsebenzi wami ngo-[usuku], futhi angikwazi ukwenza inkokhelo yami ephelele ngo-[usuku]. Yiziphi izinketho zobunzima onazo, njengokuhambisa inkokhelo noma ukuyinciphisa izinyanga ezimbalwa? Sicela ungithumelele isivumelwano ngokubhala. Ngingaba negama lakho nenombolo yereferensi yalolu cingo?

Bhala phansi usuku, igama lomuntu kanye nalokho abavumelene ngako.

Usizo lokufaka isicelo e-DC, Maryland, naseVirginia

Shayela i-211 e-DC, eMaryland, noma eVirginia ukuthola usizo lwendawo ngokudla, ukuqasha, nezinsiza.

Ukudla: faka isicelo se-SNAP (izinzuzo zokudla): e-DC ngoMnyango Wezinsizakalo Zabantu, eMaryland ngewebhusayithi yeMarylandBenefits, naseVirginia nge-CommonHelp. Ukuze uthole ukudla kwamahhala manje, shayela i-Capital Area Food Bank's Hunger Lifeline ku (202) 644-9807 (en español).
Izikweletu zamandla: e-DC, faka isicelo eMnyangweni Wezamandla Nezemvelo (i-DOEE) ye-LIHEAP (i-Federal Low Income Home Energy Assistance Program) kanye ne-Utility Discount Program. E-Maryland, faka isicelo eHhovisi Lezinhlelo Zamandla Zasekhaya. E-Virginia, faka isicelo sosizo lwamandla nge-CommonHelp. Ezinye izinhlelo zithatha izicelo kuphela ngezikhathi ezithile zonyaka.
Ukuqasha: Uhlelo losizo lokuqasha oluphuthumayo lwe-DC (i-ERAP) lusiza abanye abaqashi abahola kancane kakhulu ukukhokha irenti eyedlule. Kuthatha izicelo kuphela ngezikhathi ezithile; hlola erap.dhs.dc.gov. E-Maryland naseVirginia, shayela i-211.

Imithetho ye-SNAP yashintsha ngo-2025. Umthetho wobumbano wabenza baqine kakhulu. Abantu abadala abaningi abaneminyaka engu-18 kuya kwengama-64 abakwazi ukusebenza futhi abangenayo ingane engaphansi kweminyaka engu-14 ekhaya labo manje kufanele basebenze noma bajoyine uhlelo lokusebenza cishe amahora angama-20 ngesonto (amahora angama-80 ngenyanga) ukuthola i-SNAP izinyanga ezingaphezu kwezingu-3 eminyakeni emi-3. Abantu abathola izinzuzo zokungasebenzi, noma abafake izicelo futhi balandela imithetho yokungasebenzi, bavame ukuthethelelwa. Ababaleki nababaleki abasakwazi ukuthola i-SNAP ngenxa yaleso simo kuphela. Izingane zezakhamizi zase-US zisakwazi ukuthola i-SNAP noma ngabe umzali akakwazi.

Inothi labafuduki. Umthetho omusha wobumbano "wokukhokhisa umphakathi" uqale ukusebenza ngoSepthemba 18, 2026. Ivumela izikhulu zokufuduka ukuthi zibheke izinhlobo eziningi zezinzuzo zomphakathi, ezisetshenziswa ngalolo suku noma ngemuva kwalolo suku, lapho abanye abantu befaka isicelo sekhadi eliluhlaza. Ngaphambi kokufaka isicelo sezinzuzo, thola izeluleko zamahhala kummeli wezokufuduka noma ummeleli enhlanganweni engenzi nzuzo evunyelwe nguMnyango Wezobulungiswa wase-US. Ungahambi ku-notario. E-US, i-notary akuyona ummeli. Bheka isifundo sethu ngemikhonyovu ebhekiswe kubantu abasha.

Ukuvalwa kukahulumeni: abasebenzi bakahulumeni kanye nosonkontileka

Imindeni eminingi yendawo ye-DC incike ekukhokhelweni kukahulumeni. Ukuvalwa kuthinta abasebenzi bakahulumeni kanye nabasebenzi benkontileka ngezindlela ezahlukene.

Yini ongayilindela ngesikhathi sokuvalwa kukahulumeni
Umbuzo	Isisebenzi sikahulumeni	Isisebenzi sikasonkontileka
Indlela yokubuyisela inkokhelo ngemuva kokuqeda?	Yebo, ngomthetho ka-2019.	Ayiqinisekisiwe.
Ukungasebenzi phakathi naleso sikhathi?	Uma ukhululekile, ungafaka isicelo se-UCFE (ukungasebenzi kwabasebenzi bakahulumeni) esifundazweni lapho usebenza khona. Uma kufanele usebenze ngaphandle kokukhokhelwa, ngokuvamile awukwazi.	Ungafaka isicelo sokungasebenzi okujwayelekile kombuso uma amahora akho ayeka noma ancishisiwe.
Ngemuva kokubuyiselwa kwemali kufika?	Mhlawumbe kuzodingeka ukhokhe izinzuzo zokungasebenzi.	Ayisebenzi.

Inkokhelo emuva isiza kuphela ngemuva kokuphela kokuvalwa. Kuze kube yileso sikhathi, beka izikweletu zakho bese ushayela ababolekisi kusenesikhathi. Ekuvalweni okwedlule, amanye amabhange nezinyunyana zezikweletu zanikeza ikhefu lokukhokha noma izikweletu ezingabizi kakhulu kubasebenzi bakahulumeni, ngakho-ke buza eyakho. Uma usebenzela usonkontileka, buza ukuthi ungasebenzisa ikhefu elikhokhelwayo.

Qaphela

Izicupho zezinkinga: imalimboleko ebizayo kanye nosizo olukhohlisayo

Lapho imali ifushane, izipesheli "zemali esheshayo" zivela yonke indawo. Imali mboleko ejwayelekile yosuku lokukhokha ikhokhisa u- $ 15 kuwo wonke ama- $ 100 owabolekayo amasonto amabili. Lokho kulingana nesilinganiso samaphesenti wonyaka (APR) cishe ngama-391%.

$ 15 ÷ $ 100 × 365 ÷ izinsuku ze-14 × 100 = cishe i-391% APR

I-Maryland ivumela okungenani ama-33% ngonyaka ngenzalo kwimalimboleko encane, futhi i-DC nayo inemingcele eqinile, ngakho-ke imalimboleko efana nalena kungenzeka ukuthi ayikho emthethweni lapho, ngisho naku-inthanethi. I-Virginia ivumela ezinye izikweletu zesikhashana. Ivala inzalo ku-36% ngonyaka, kepha ababolekisi bangakhokhisa imali yanyanga zonke efinyelela ku- $ 25. Hlola ilayisense yombolekisi ku-NMLS Consumer Access (nmlsconsumeraccess.org). Imalimboleko yesihloko semoto ibeka engcupheni imoto oyidingayo emsebenzini.

Futhi qaphela:

Noma ngubani okhokhisa imali yokufaka isicelo sakho sokungasebenzi. Ukugcwalisa kumahhala kuwebhusayithi yombuso.
Izingcingo noma imiyalezo ethi uwine "isibonelelo sosizo" kodwa kufanele ukhokhe imali kuqala.
Imisebenzi yokusebenza ekhaya ekuthumelela isheke futhi ikucela ukuthi uthumele ingxenye yemali emuva. Isheke lizokhuphuka, futhi uzokweleta ibhange.

Funda kabanzi ezifundweni zethu mayelana nokubolekwa kwemali mboleko ebiza kakhulu nokubona imikhonyovu.

Ithiphu

Uhlelo lwentela yokungasebenzi

Izinzuzo zokungasebenzi zibalwa njengemali engenayo ekubuyiselweni kwakho kwentela ye-federal. Ukuze ugweme umthethosivivinywa wentela kamuva, ungacela izwe lakho ukuthi libambe intela ye-federal ekukhokhelweni ngakunye. Ungakhetha lokhu lapho ufaka isicelo, noma kamuva ngokunikeza ifomu lakho le-IRS W-4V. Usizo lwentela lwamahhala luyatholakala kumasayithi we-VITA; bona isifundo sethu sokugcwalisa mahhala. Lapho imali ejwayelekile ibuya, yakha kabusha ukonga kwakho ngesifundo sethu sesikhwama esiphuthumayo.

Izinto ezibalulekile

Faka isicelo sokungasebenzi ngesonto lakho lokuqala, esifundazweni lapho usebenze khona. Ukugcwalisa kumahhala.
Khokhela izindlu, izinsiza, ukudla, kanye nezokuthutha ozidingayo emsebenzini kuqala.
Shayela ababolekisi nezinsizakalo ngaphambi kosuku olubekiwe. Cela uhlelo lobunzima bese ulithola ngokubhala.
Abasebenzi bakahulumeni bathola inkokhelo ngemuva kokuvalwa komthetho. Abasebenzi benkontileka abaqinisekisiwe, kepha bangafaka isicelo sokungasebenzi.
Imali mboleko ebiza amakhulu amaphesenti ngonyaka yenza inkinga ibe yimbi kakhulu. Thola usizo lwamahhala kuqala.

Qhubekela phambili

Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.

Faka isicelo sezinzuzo zokungasebenzi e-DC (Enye iwebhusayithi)
DC Department of Employment Services (DOES) · Ulimi: English

Imiyalelo yesinyathelo ngesinyathelo yokufaka isimangalo sokungasebenzi kwe-DC ku-inthanethi nokuthi yini okudingeka uyisebenzise.
Maryland Division of Unemployment Insurance (Enye iwebhusayithi)
Maryland Department of Labor · Ulimi: English

Ungasifaka kanjani isimangalo saseMaryland ku-BEACON, uqinisekise masonto onke, futhi ubike ukusesha kwakho umsebenzi. Thola usizo ngeSpanishi.
IKhomishana Yokuqashwa yaseVirginia (Enye iwebhusayithi)
Virginia Employment Commission (VEC) · Ulimi: English

Faka isimangalo sokungasebenzi eVirginia ku-inthanethi, faka izimangalo zamasonto onke, bese uthola inombolo yocingo ukuze uthole usizo.
Hlola ezinye izinketho ezise- DC namaphethelo (Enye iwebhusayithi)
Capital Area Food Bank (nonprofit) · Ulimi: English

Thola ukudla kwamahhala eduze kwakho e-DC naseMaryland naseVirginia eseduze, noma ushayele i-Hunger Lifeline ukuze uthole usizo.

Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.