Hajj & Umrah

Hajj for a woman whose husband doesn't have sufficient money to go for hajj

Q: My husband and I would have been accredited for Hajj this year but he asked SAHUC to remove our names before the list came out as he says he cannot afford it and Hajj is not Fardh on him. 

He does own 2 cars but does not have enough disposable cash to pay for the trip. 

Is Hajj fardh on him? I can afford to pay for my own Hajj

Woman with extremely short hair cutting her hair to come out of ihraam

Q: A woman who has extremely short, curly hair (like is commonly found among the local communities in South Africa) goes to perform umrah. 

How does such a woman remove her hair to come out of ihraam, as she will not be able to gather her hair around a fingertip and cut a little more - her hair is too short for that. What does she do? Please advise.