Te Whakahaere Pūtea: Me pēhea te Whakahaere Tika i tō Tahua
He wāhanga nui te whakahaere tahua o te whakahaere pūtea, he pou matua mō te pumau o te pūtea mō ngā tāngata takitahi me ngā whakahaere. Mā te kaha ki te whakahaere tika i te tahua, ehara i te mea ka taea te whakahaere i ngā whakapaunga me ngā moni whiwhi anake, engari ka whakatakoto hoki i te turanga mō te whakatutuki i ngā whāinga pūtea mō te wā roa. I roto i tēnei tuhinga, ka tūhuratia e mātou ngā mahi nui hei whakahaere tika i te tahua, me pēhea hoki te whakatinana i ēnei rautaki hei whakarite i te hauora pūtea pumau.
1. Te Māramatanga Taketake ki te Whakahaere Pūtea
Ko te whakahaere pūtea e kapi ana i ngā mahi katoa e pā ana ki te whakamahere pūtea, te whakahaere, me te tuku pūrongo i roto i tētahi hinonga. Ko te mahi matua o te whakahaere pūtea he whakarite kia whakamahia pai ngā rauemi pūtea, kia tino whai hua, kia rite hoki ki ngā whāinga kua whakatūria. Mā tēnei māramatanga taketake, ka nui ake te hanganga me te pūnaha o te tukanga whakahaere tahua.
2. Whakatakotoria ngā Whāinga Pūtea Mārama
Ko te taahiraa tuatahi i roto i te whakahaere tahua ko te whakatakoto whāinga pūtea mārama. Ka taea e ēnei whāinga te whakauru atu ki te penapena mō te heke mai, te utu i te nama, ki te haumi. Me motuhake ia whāinga, me ine, me taea te whakatutuki, me whai tikanga, me te herea ki te wā (SMART). Hei tauira, ki te mea ko tō whāinga he whakanui i ō penapena, tautuhia he nui me te wā hei whakatutuki.
3. Waihangahia he Tahua Tuturu
Ko te mahi e whai ake nei ko te waihanga i tētahi tahua tūturu. Tīmata mā te whakarārangi i ngā pūtake moni whiwhi me ngā whakapaunga katoa. Ka ahu mai pea te moni whiwhi i te utu, i te mahi taha, i ngā haumitanga rānei. Ko ngā whakapaunga, i tētahi atu taha, kei roto ko ngā mea e hiahiatia ana i ia rā pēnei i te kai, te kawe waka, me ngā pire ratonga, tae atu ki ngā whakapaunga kore-tūturu pēnei i ngā hararei, ngā hoko taonga papai rānei.
I muri i te whakahiato i tēnei rārangi, tātarihia ngā raraunga hei tautuhi i ngā tauira whakapaunga. Ko te whāinga he tautuhi i ngā whakapaunga ka taea te tapahi, te huri rānei ki ētahi atu hiahia. Me ngāwari te tahua engari me hangai tonu ki ngā āhuatanga pūtea e pā ana ki a koe.
4. Te Whakarōpūtanga o ngā Whakapaunga
Me whakarōpū ngā whakapaunga ki ētahi wāhanga, pērā i ngā mea e tika ana, ngā mea e hiahiatia ana, ngā penapena, me ngā haumitanga. Kei roto i ngā mea e tika ana ngā whakapaunga o ia rā e kore e taea te karo, ko ngā mea ia e hiahiatia ana ko ngā mea e hiahiatia ana e koe engari ka taea te whakaroa. Me whakarite kia matua ngā penapena me ngā haumitanga hei hanga taonga mō te heke mai. Mā tēnei whakarōpūtanga, ka taea e koe te tautuhi ngāwari ko ēhea ngā whakapaunga ka taea te whakaiti, te whakakore rānei.
5. Whakamahia te Mātāpono 50/30/20
Ko tētahi tikanga rongonui hei āwhina i te whakatakoto tahua ko te mātāpono 50/30/20, i whakatakotoria e Elizabeth Warren i roto i tana pukapuka "All Your Worth: The Ultimate Lifetime Money Plan." E toru ngā wāhanga o tēnei tikanga whiwhinga moni i muri i te tāke: 50% mō ngā mea nui, 30% mō ngā mea e hiahiatia ana, me te 20% mō ngā penapena me te utunga nama. Ka taea te whakamahi i tēnei tikanga hei aratohu taketake mō te whakatau i ngā tohatoha tahua ā-marama.
6. Whakahaerehia ngā Aromatawai Pūtea i ia Wā
He wāhanga nui o te whakahaere pūtea te tirotiro pūtea auau, ā, he maha ngā wā ka warewarehia. He mea pai kia arotakehia te tahua ā-marama kia mōhio ai koe mēnā kei te piripono koe ki tēnā. Mēnā he rerekētanga i waenga i tō tahua me te mea tūturu, tātarihia ngā take, ā, me mahi i ngā whakarerekētanga e tika ana. Mā tēnei arotake ka noho arotahi tonu koe ki te whakatutuki i ō whāinga pūtea.
7. Te Whakamahi i te Hangarau hei Whakahaere i tō Tahua
I tēnei ao matihiko, ka taea e ngā taupānga pūtea maha te āwhina i a koe ki te whakahaere i tō tahua moni . Ka taea te whakamahi i ngā taupānga pēnei i a Mint, YNAB (Me Tahua e Koe), ngā taupānga pēke pūkoro rānei me ngā āhuatanga whakahaere pūtea hei aroturuki i ngā whakapaunga, hei whakatakoto whakamaharatanga utu, me te whakarato i tētahi tirohanga whānui mō ō tahua moni o ia rā. Whakamahia te hangarau hei whakahaere i tēnei tukanga kia māmā ake, kia pai ake hoki.
8. Whakahaerehia te Nama me te Whakaaro Nui
He wāhanga uaua te whakahaere i te nama i roto i ō pūtea. Heoi, mā te rautaki tika, ka taea e koe te whakaiti i tō taumahatanga nama. Whakamahia ngā tikanga pēnei i te pōro hukarere nama, te horonga nama rānei hei utu i te nama. Utua te nama me te reiti huamoni teitei rawa i te tuatahi, me te pupuri tonu i ngā utu iti rawa mō ētahi atu nama, tīmata rānei ki te nama iti rawa hei whakaoho tere.
9. Whakaratohia he Moni Āwhina
He mea nui te hanga i tētahi pūtea āwhina mō te whakahaere tahua. Ka noho tēnei pūtea hei oranga mō ngā āhuatanga ohorere pēnei i te ngaronga o te mahi, ngā raruraru hauora, ngā pakaru o te whare rānei. E taunakihia ana kia toru ki te ono marama te iti rawa o ō whakapaunga katoa o ia marama i roto i tētahi pūtea āwhina. Puritia tēnei pūtea ki tētahi pūkete e ngāwari ana te uru atu, e tuku tonu ana i ngā reiti huamoni whakataetae.
10. Te Kōrero ki tētahi Tohunga Pūtea
Kāore he kino o te kōrero ki tētahi tohunga pūtea mēnā he uaua ngā wero tahua kei a koe. Ka taea e ngā tohunga pūtea te whakarato i ngā tirohanga ngaio me ngā tohutohu motuhake e hāngai ana ki tō āhuatanga pūtea. Ka taea hoki e rātou te āwhina i te whakamahere pūtea mō te wā roa, tae atu ki te whakamahere reti, ngā haumitanga, me ngā hoko rawa nui.
Whakamutunga
Ko te whakahaere tika i te tahua te tūāpapa o te whakahaere pūtea angitu. Mā te whakatinana i ngā rautaki i runga ake nei me te whai whakaaro me te ōrite, ka taea e koe te hanga i te haumarutanga pūtea, te whakatutuki i ō whāinga pūtea, me te whiwhi i te rangimarie o te hinengaro i roto i tō oranga o ia rā. Kia maumahara ehara te whakahaere pūtea i te mahi kotahi-wā, engari he haerenga tonu e hiahia ana ki te whakapau kaha me te whakapau kaha ki te hauora pūtea.
