Ngaba umama wakho, utata wakho, okanye umntu omthandayo usekhaya emva kwexesha uhlawula amatyala abo eenkonzo zikagesi? Ngaba uqaphele ukuba bakufumanisa kunzima ukulawula imali yabo kunangaphambili? Sihlala sizilahla ezi zinto njengezinto eziqhelekileyo ezenzekayo njengoko sikhula. Nangona kunjalo, uphando lwakutshanje lubonisa ukuba oku kunokuba luphawu lokuqala lwento enzulu kunokuba sicinga: imeko enxulumene nenkumbulo efana ne-dementia.
Yintoni le nto intsha ifunyenweyo?
Oku kufunyenwe kuhlalutyo olwenziwe yibhanki enkulu eNew York, eMelika. Bahlolisise iqela elikhulu labantu, malunga nezigidi ezi-2.4, kwixesha eliyiminyaka eli-14, bedibanisa ulwazi lwezemali kunye neerekhodi zonyango. Oko bakufumanisileyo kukuba indlela umntu aziphethe ngayo ngokwezemali yatshintsha kwiminyaka eliqela ngaphambi kokuba oogqirha bamfumanise ngokusemthethweni ukuba unesifo i-Alzheimer's okanye isifo sengqondo esifanayo.
Ngamafutshane, baqala ukuhlawula amatyala emva kwexesha, kwaye abazihlawuli iimali mboleko. Kufana nesibhakabhaka esimnyama ngaphambi kokuba kubekho isivuthuvuthu. Kudala ngaphambi kokuba iimpawu ziqale ukubonakala, utshintsho engqondweni luqala ukuchaphazela imisebenzi yemihla ngemihla, ingakumbi leyo ibandakanya imali, efuna ucwangciso kunye nengqalelo.
Olu phononongo lubonisa ukuba ukujonga iingxelo zemali zomntu kunokubonelela ngezikhokelo ezithile malunga nomngcipheko wakhe wokufumana isifo esinxulumene nenkumbulo kwixesha elizayo.
Zivela njani iingxaki zemali ngaphambi kokuba isifo sifunyaniswe?
Olu phando lufumanise iindlela ezithile ezicacileyo. Asikuko nje into yokuba ulibale ukuhlawula ityala. Olu lutshintsho oluhlala luhleli noluqondakala ngokucacileyo.
Khawucinge nje, utata wakho ngumntu ohlala ehlawula ityala lombane kwangoko nje ukuba ufumana umvuzo wakhe wenyanga. Kodwa ngoku ebewutyeshela kangangeenyanga. Uhlawula kuphela xa ekhunjuzwa. Ezi zizinto ekufuneka siziqwalasele.
Ungakuqonda oku ngokucacileyo ngakumbi kwitheyibhile engezantsi.
| Ingxaki yezemali | Kuqala ukuvela ixesha elingakanani ngaphambi kokuba kufumaneke isifo? |
|---|---|
| Ukulibaziseka ekuhlawuleni amatyala ekhadi letyala | Ukususela kwiminyaka eyi-5 eyadlulayo |
| Ukulibaziseka ekuhlawuleni imali mboleko yendlu | Ukususela kwiminyaka eyi-3 eyadlulayo |
Oku kuthetha ukuba malunga neminyaka emi-5 ngaphambi kokuba ugqirha afumanise umntu onesifo sengqondo esixhalabisayo ngokusemthethweni, loo mntu uqala ukusilela ukuhlawula amatyala akhe ekhadi letyala. Kwimeko yemali mboleko yendlu, oku kulibaziseka kunokubonwa kwasekuqaleni kweminyaka emi-3. Le yingxaki enkulu kuba okwangoku, umntu okanye intsapho yakhe ayinalo nofifi ngemingeni emikhulu yempilo ezayo.
Kutheni kubalulekile ukuzazi ezi ngxaki zemali?
Kukho izizathu ezininzi eziphambili zokuba oku kubalulekile.
1. Uxinzelelo kusapho: Ukunyamekela umntu onesifo sengqondo esixhalabisayo kubiza imali eninzi. Imali iyafuneka kunyango, kwizibonelelo ezikhethekileyo, mhlawumbi nasekuhlawuleleni umntu onyamekela abantu. Ngoko ke, ukuthwala ezi ndleko zongezelelweyo ngeli xesha isifo ngokwaso sibangele iingxaki zemali kwaye sele sinetyala yingxaki enkulu kusapho.
2. Ukubonisa ubuthathaka ekusebenzeni kwengqondo: Ukulawula imali asingomsebenzi ulula. Kufuna inkumbulo elungileyo, ubuchule bokucwangcisa, kunye nobuchule bokucinga ngengqiqo, oko kukuthi, oko sikubiza ngokuba ngumsebenzi wokuqonda ngokwezonyango. Ngoko ke, ukungakwazi ukwenza lo msebenzi ngokufanelekileyo bubungqina bokuba la mandla engqondo ayaphela.
3. Umngcipheko okhulayo wobuqhetseba: Xa izakhono zokucinga ziphazamisekile, kulula ukukholelwa oko kuthethwa ngumntu. Ngenxa yoku, kusenokubakho abaqhetseba bezemali abajolise kubantu abakwinqanaba lokuqala lesifo sengqondo esixhalabisayo. Banokulahlekelwa yimali kunye nepropathi.
Ngaphandle kweebhili ezifike emva kwexesha, zeziphi ezinye iimpawu omele uzijonge?
Iingxaki zemali ziluphawu nje olunye lwe-dementia. Ukongeza, qaphela olu tshintsho kumntu omthandayo.
- Ukulahlekelwa yinkumbulo kufikelela kwinqanaba lokuchaphazela ubomi bemihla ngemihla: ukulibala iziganeko ezidlulileyo, ukubuza imibuzo efanayo ngokuphindaphindiweyo.
- Ubunzima bokucwangcisa okanye ukusombulula iingxaki: Ubunzima bokwenza ukutya kwemihla ngemihla ngokweendlela zokupheka, ukudideka ngokubala.
- Ubunzima bokwenza imisebenzi eqhelekileyo: Ukulibala indlela yokuya evenkileni wedwa, ukungakwazi ukusebenzisa isixhobo esifana nomatshini wokuhlamba impahla.
- Ukudideka kwexesha nendawo: Ukudideka malunga nokuba ukuphi, nokuba kusemini okanye kusebusuku.
- Ubunzima bokusebenzisa amagama:Ukungakwazi ukufumana igama elifanelekileyo xa uthetha okanye ubhala, okanye ukusebenzisa amagama angafanelekanga kwizinto.
- Ukubeka izinto endaweni yazo: Ukwenza izinto ezifana nokufaka izitshixo zakho efrijini uze ungakwazi ukubuya umva ukuze uzifumane.
- Ukuqonda okungafanelekanga: ukwenza izigqibo ezingafanelekanga malunga nemali, ukungakhathali ngococeko lomntu.
- Ukuzikhupha kwintlalo: Ukuphepha ukudibana nabahlobo, ukuya kwiipati, njl.njl.
- Utshintsho kwindlela yokuziphatha kunye nobuntu: ukuba nomsindo, uloyiko, ukurhanela, okanye ukucaphuka.
Ngoko ke ndimele ndenze ntoni?
Okokuqala, ungoyiki ukuba ubona enye okanye ezimbini zezi mpawu. Njengoko sikhula, siyalibala izinto ezincinci. Yinto eqhelekileyo leyo.
Nangona kunjalo, ukuba ubona utshintsho olucacileyo kwindlela osebenza ngayo , nto leyo ethetha ukuba ezi ngxaki zinzima kakhulu kunangaphambili, musa ukuzityeshela. Ingakumbi ukuba ufumana ezinye iimpawu ezinxulumene nokukhumbula kunye neengxaki zemali, ngokuqinisekileyo kuya kufuneka ufune ingcebiso kugqirha.
Eyona nto ilungileyo neyona inoxanduva kukubona ugqirha wosapho lwakho uze uthethe ngokukhululekileyo ngale nto. Angakuvavanya imeko aze, ukuba kuyimfuneko, akuthumele kwingcali efana nengcali yezifo zengqondo okanye ingcali yezifo zengqondo. Okukhona isifo sifunyanwa ngokukhawuleza, kokukhona isigulana kunye nosapho baya kuba bekulungele ngakumbi imingeni ezayo.
Umyalezo Wokuya Ekhaya
- Yiba nothando kwaye uqaphele indlela abazali bakho abadala okanye abantu obathandayo abaziphatha ngayo ngokwezimali. Ukuhlawula emva kwexesha lokuhlawula iibhili kunye neengxaki zokulawula amatyala zinokuba ziimpawu zokulumkisa kwangaphambili zesifo sengqondo esixhalabisayo.
- Khumbula ukuba ezi ngxaki zemali ziqala kwiminyaka ngaphambi kokuba isifo sichongwe ngokusemthethweni.
- Ukuba ubona umahluko ocacileyo kwizinto ezifana nenkumbulo, ukwenza izigqibo, kunye nokucwangcisa, musa ukuyityeshela nje kuba "kunjengoko kunjalo xa ukhula," kodwa bonana nogqirha ngoko nangoko.
- Ukubhaqwa kwesi sifo kwangethuba kunceda kakhulu isigulana ukuba siphile ngesidima kwaye silungiselele usapho ngokwezimali nangengqondo imingeni esiza kujongana nayo.











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