Izindleko cishe kuyinto yokugcina ofuna ukucabanga ngayo lapho ufunda ukuthi unomdlavuza we-metastatic . Ngandlela-thile, umane nje uzizwa ungenangqondo ukuthi abantu kufanele bakhathazeke ngemali ephansi ngokwezezimali uma bebhekene nokukhathazeka ngokomzimba nangokomzwelo wesifo somdlavuza .
Noma kunjalo, siphila ezweni lapho umdlavuza ubiza kakhulu . Elinganisweni lapho izindleko zikhuphuka khona futhi ikhono lokusebenza liyehla noma liyeke ngokuphelele, isamba asihlali ngaso sonke isikhathi esikufisa.
Nakuba lokhu kungazwakala kudangala, kungenza umehluko omkhulu ukuthatha izikhathi ezimbalwa zokucabanga ngemali yakho ekuqaleni, futhi uqale ukugcina ithrekhi. Kungasiza futhi ukuzola ezinye zezinkathazo zakho ukuze ufunde ukuthi uzodinga usizo futhi uma kunjalo, hlola izinketho ezitholakalayo.
Izindleko zokulandela
Into ebaluleke kakhulu ongayenza ngezimali ukuqala ukulandelela izindleko zakho, noma ngabe utholakala, noma ngokushesha ngangokunokwenzeka. Abantu abaningi bakuthola kuwusizo ukuthenga i-notebook enikezwe kuphela ukulandelela izindleko zakho. Ngesikhathi esifanayo, ungase ufise ukuthatha ifolda ukuze ubambe noma yimaphi amaresidi abalulekile.
Lokhu akusho ukuthi udinga ukuhlala phansi ne-akhawuntiant amahora ngesikhathi. Unezinto ezibaluleke kakhulu okudingayo ukugxila kuzo, kodwa imizuzwana embalwa manje ingakusindisa wena nesikhathi somndeni wakho kanye nezinsizwa kamuva.
Ukuhlelwa kwentela
Esinye isizathu sokuqala ukulandelela izindleko ngokushesha ukuthi lezo zindleko eziningi ezihlobene nomdlavuza zikhokhiswa intela.
Ungase udangele ukuqaphela ukuthi ukwehliswa kwezokwelapha kudinga ukudlulisa amaphesenti ayishumi emali engenayo ehlelekile ukuze ufaneleke, kodwa abantu abaningi bayamangala ukuthi leli foni lifinyelelwa kanjani ngokushesha.
Mane nje uthathe isikhathi sokurekhoda izindleko zakho njengoba zenzeka (ngisho nokuhamba kwamanye amazwe ukuvakashelwa kwakho kukhishwa) futhi ukulahla amaresidi kwifolda kungagcina amahora amaningi (nemali) ngokuhamba kwesikhathi.
Ukubhajethi
Uma usuphethe ibhuku lakho lokubhala ukuze urekhode izindleko zakho kuyasiza ukuthola umqondo womugqa wakho ophansi. Lokhu akudingeki ukuba kube ispredishithi esiyinkimbinkimbi eveza wonke amafa nazo zonke izindleko, kodwa kunomdwebo omfushane wemali engenayo kanye nezikweleti. Lokhu kuzokunika umqondo ongcono wokuthi ngabe ngeke yini ubheke izinketho ezengeziwe ukuze uhlangabezane nezindleko zokunakekelwa kwakho.
Umshuwalense Ukukhathazeka
Ukubheka umshuwalense wakho wezokwelapha kungenye yezingxenye ezibaluleke kakhulu zokulungiselela imali uma unomdlavuza we-metastatic. Nazi amathiphu ambalwa:
- Buyekeza inqubomgomo yakho - Iningi labantu linombono ojwayelekile we-inshuwalense yabo yezokwelapha, kodwa yisikhathi esihle sokubuyekeza inqubomgomo yakho eduze. Lokhu kuzokunika umqondo mayelana nezindleko ezihlanganisiwe futhi ngabe awukho yini ngaphansi kwesiqinisekiso.
- Qondanisa umehluko phakathi kwenethiwekhi nokuphuma kwabahlinzeki benethiwekhi - Izinqubomgomo eziningi zomshuwalense zinezigaba ezihlukene zokubheka kuncike ukuthi ngabe umtholampilo noma isibhedlela sisenethiwekhi noma ngaphandle kwenethiwekhi. Ngenkathi imitholampilo encane ehambela kwinethiwekhi ingeke ingeze okuningi, ukwehluka kwezindleko zokuphuma ngaphandle kwenethiwekhi esibhedlela kungangezelela ngokushesha.
- Funda mayelana nenqubo yokugunyazwa yangaphambili - Uma uthola ukuthi ukwelashwa okufisayo kutholakala kuphela kunethiwekhi, shayela inkampani yakho yomshuwalense. Uma ungabonisa ukuthi ukwelashwa okutholakala kuphela esikhungweni somdlavuza ophakeme kunomkhawulo noma kunemiphumela emibi embalwa, umshwalense wakho ungabheka izindleko zakho ngokulinganisa kwenethiwekhi.
Khumbula ukuthi lezi zinkinga kudingeka zihlolwe ngaphambi kokwelashwa kwakho futhi lokhu kungakhungathekisa uma usuvele ubhekana nezinkinga zomdlavuza. Uma unomngane noma ilungu lomndeni ongakusiza ukuba ufunde lezi zinyathelo, cabanga ngokuzivumela ukuba zize.
- Buyekeza izikweletu zakho - Kungumqondo omuhle ukuthatha isikhashana ukubuyekeza izikweletu zakho ekuvakasheni nasezikhungweni zokubeletha. Amaphutha ajwayelekile kakhulu futhi kulula ukulungisa uma kutholakala kusenesikhathi.
- Buyekeza ukuhlinzekwa kwakho kokunakekelwa ekhaya nokunakekelwa esibhedlela - Ngisho noma uzizwa kahle futhi unethemba lokuthi ngeke udinga lezi zindlela, bheka ukubheka okukhona kokubili ukunakekelwa kwezempilo ekhaya nokunakekelwa esibhedlela. Izinhlelo eziningi zihlanganisa lezi zidingo kodwa imininingwane ingahluka kakhulu.
Umshwalense Wokukhubazeka
Ukulahlekelwa kwemali kungenye yezinto ezibaluleke kakhulu kulabo abhekene nomdlavuza we-metastatic. Uma usanda kuthiwa unomdlavuza we-metastatic, kungase kuzwe sengathi kusencane kakhulu ukucabangela ukukhubazeka, kodwa isikhathi esihle kakhulu sokucabangela lokhu isikhathi eside ngaphambi kokuba uyidinge.
Ungaba nomshuwalense wokukhubazeka ngomsebenzi wakho noma ngokusebenzisa inqubomgomo yangasese, noma kungadingeka ucabange ukukhubazeka komphakathi.
Njengoba inqubo yokufaka isicelo sokukhubazeka kwezenhlalo isikhathi eside, isikhathi esihle kakhulu sokufaka isicelo ngokushesha uma udinga. Ukuze ufaneleke, uzodinga udokotela ukuthi asayine ifomu ethi awukwazi ukusebenza ngenxa yesimo sezokwelapha okulindeleke ukuba sigcine okungenani izinyanga ezingu-12 (noma kubangele ukufa). Khumbula ukuthi uma uqhubeka yenza kahle futhi unqume ukuthi kamuva uzokwazi ukusebenza, ungakwazi njalo ukuyeka uhlelo.
Ungase udideke umehluko phakathi kokukhubazeka kokuphepha komphakathi (i-SSI noma i-SSDI) kanye nengeniso yokungezelela yokuphepha (SSI). Umehluko wukuthi i-SSD inikezwa kulabo abathole inani elithile lamahora omsebenzi, kuyilapho i-SSI itholakala kulabo abanomholo ophansi noma abangazange basebenze ngaphandle kwekhaya ngokwanele ukuze bathole izikweletu zomsebenzi ezidingekayo ukuze bafaneleke.
Ukusekelwa kwezezimali
Ngisho nangomshwalense omuhle, izindleko zokwelashwa komdlavuza zingaba zikhulu kakhulu. Ngokubheka phansi kwakho njengoba kuphawuliwe, uzoba nomqondo ongcono wokuthi ngabe uzodinga ukusekelwa okwengeziwe yini noma cha.
Ukuhlola izinketho zokukhokhela ukwelashwa kwakho
Uma ungenayo imali oyidingayo ebhange-njengoba inani elikhulu labantu abanomdlavuza we-metastatic musa-kuthatha isikhashana ucabange ukuthi yiziphi ongakhetha kuzo. Ngokwesibonelo:
- Ungakwazi yini ukubolekisa inqubomgomo yomshwalense wakho wokuphila?
- Ungakwazi yini ukukhipha imali yesibili (noma yesithathu) ekhaya lakho? Kulabo abangaphezu kweminyaka engama-65, ungayithola yini imali ekhokhelwa imali?
- Ingabe unabangane noma amalungu omndeni ongathanda ukubolekisa imali?
- Ungakwazi yini ukungena kumholo wakho wokuthatha umhlalaphansi? Kungase kudingeke uthathe ukulahleka, kodwa ngokuhamba kwesikhathi, ukulahleka okunjengalezi ezingaphambili kungalondoloza imali phansi komugqa.
- Unayo yini izinto eziyigugu ongathanda ukuzihlukanisa nazo ongathengisa?
- Unayo yini abangane abangathanda ukuhlela i-fundraiser emphakathini wakho noma ku-intanethi? Ama-fundraisers ayindlela evamile kakhulu kubantu abanomdlavuza webele we-metastatic ukukhulisa imali futhi ngokuvamile kusebenza kahle. Kunezinketho eziningi ze-intanethi ngokusebenzisa imidiya yezenhlalo ongahlola. Uma unomngane ojabulela ukuhlela abaqashi bezimali, kuyamangalisa ukuthi mangaki amabhizinisi emiphakathini eminingi ezojabula ngokunikela ngezinsizakalo, ukudla, noma ezinye izinto zendalini engathuli.
Ungase ucabange ngezinketho ezengeziwe, kodwa ukuthatha isikhashana ucabange ngenye yalezi zindlela kungakunika ukuqinisekiswa.
Usizo lwezezimali
Uma usabomvu ngemuva kokuhlola izinketho zakho, ungase ufise ukuhlola izinhlobo ezahlukene zosizo ezitholakalayo.
Kunezinhlangano eziningana ezihlinzeka usizo kubantu ababhekana nomdlavuza webele we-metastatic, nakuba izinhlobo zosizo ziyahlukahluka. Abanye banikeza usizo ngokuqasha noma ukuhamba. Abanye banikeza usizo lwezezimali ekunakekelweni kwezingane. Kodwa abanye banikela ngemfundo yabafundi basekolishi kubantwana balabo abanomdlavuza webele we-metastatic.
Izinhlelo zokusiza izidakamizwa zesidakamizwa zingakunikeza ithuba lokuthola imithi yakho noma imishanguzo isaphulelo. Kukhona ngisho nezinhlelo zezindiza zamahhala ezigulini zomdlavuza kwezinye izindawo.
Njengoba kunezinhlobo ezihlukahlukene zokukhetha, indlela enhle yokuqala ngayo ukukhuluma nesikhungo sezenhlalakahle sakho. Iningi lomdlavuza wezenhlalakahle zisiza abanye abanjengawe ukuthola usizo abaludingayo. Ungafisa futhi ukucela umngane onamandla noma ilunga lomndeni ukuba ucwaninge okukhethwa kukho usizo, njengoba lokhu kungase kube umsebenzi oqeda isikhathi nesicindezelayo.
> Imithombo:
> DeVita, Vincent., Et al. I-Cancer: Izimiso Nokusebenza Kwe-Oncology. Cancer of the Breast. I-Wolters Kluwer, ngo-2016.
> I-American Cancer Society. Amanani nezinombolo ze-Cancer 2016. https://www.cancer.org/content/dam/cancer-org/research/cancer-facts-and-statistics/annual-cancer-facts-and-figures/2016/cancer-facts- futhi-izibalo-2016.pdf