Ngā Whakataunga Pūtea e Hangai ana ki te Huringa Ora
I roto i te ao pūtea uaua, ā, he maha ngā wā e pōhēhē ana, ko te whakatau pūtea whai whakaaro he mea nui hei whakatau i te hauora pūtea mō te wā roa me te makona whānui o te tangata. He hihiri te ao, ā, he rerekē ngā matea pūtea e puta mai ana i ngā wāhanga rerekē. Nō reira, mā te huarahi huringa ora ki te whakatau pūtea ka taea te whakarato i tētahi anga hanganga, e āhei ai te tangata ki te whakahaere pai i ā rātou rauemi, te whakamahere mō te heke mai, me te karo i ngā mahanga pūtea noa.
Te Anga Huringa Ora
Mā te huarahi huringa ora ka wehea te oranga pūtea o te tangata takitahi ki ngā wāhanga motuhake, ia wāhanga e tohuhia ana e ngā matea pūtea me ngā wero motuhake. Ahakoa he rerekē ngā wāhanga i runga i ngā āhuatanga whaiaro, ko te tikanga kei roto i ēnei ko ngā mea e whai ake nei:
1. Te Tīmatanga o te Mahi (20 ki te 30 tau)
2. Te Hanga Whānau me te Mahi (Waenganui o te 30 ki te 40 tau)
3. Ngā Tau Whiwhinga Tino Pai (50 tau)
4. I mua i te reti (60 tau)
5. Te Reti (70 tau me tua atu)
Te Tīmatanga o te Mahi (20 ki te 30 tau)
I te tīmatanga o te mahi a te tangata, ko ngā whakataunga pūtea te mea nui ki te whakatakoto i tētahi turanga pakari mō te pumau mō te wā roa. Ko ngā mahi pūtea matua i tēnei wā ko:
– Te Tahua me te Whakahaere i te Nama: He mea nui te whakatakoto tahua hei aroturuki i ngā moni whiwhi me ngā whakapaunga. I te mea he mea noa ngā nama ākonga, ngā nama waka, me ngā nama kāri nama, he mea nui kia aro nui ki te utu i ngā nama huamoni nui i te tuatahi.
– Te Hanga Pūtea Āwhina: He pūtea āwhina te pūtea āwhina hei ārai i ngā āhuatanga ohorere, pērā i ngā āhuatanga ohorere hauora, te ngaronga mahi ohorere rānei. I te nuinga o te wā, me utu tēnei i ngā whakapaunga oranga mō te toru ki te ono marama.
– Te Tīmatanga o ngā Penapena Reti: Mā te mana o te huamoni tāpiri ka whai hua te tīmata penapena mō te reti i te wā e taea ai. He mea whai hua te takoha ki ngā mahere reti e tautokona ana e te kaitukumahi, pērā i te 401(k), te whakatū rānei i tētahi Pūkete Reti Takitahi (IRA).
– Inihuarangi: He mea nui te inihua hauora me te inihua a te kairihi, a te kaipupuri whare rānei, hei tiaki i a koe mai i ngā mate pūtea ohorere.
Te Hanga Whānau me te Umanga (Waenganui o te 30 ki te 40 tau)
I te whanaketanga o ngā mahi a te tangata, ā, i te nuinga o te wā ka whānau, ka neke ngā kaupapa matua o te pūtea ki te whakamahere mō te wā roa me te kohikohi taonga. Ko te tikanga o tēnei wāhanga ko:
– Te Hoko Whare: He tohu nui te hoko whare. Ko te whakatau pai mō te taha pūtea ko te aromatawai i te utu, te mārama ki ngā tikanga o te mokete, me te whakaaro ki te pikinga o te uara o te whare.
– Ngā Penapena Mātauranga mō ngā Tamariki: He whakapaunga nui te mātauranga. Mā te whakamahere wawe mā roto i ngā mahere 529, i ētahi atu pūkete penapena mātauranga rānei, ka taea te whakamama i te taumahatanga ina tae ki te wā.
– Inihuarangi Oranga me te Hauātanga: He mea nui ēnei kaupapa here inihua hei whakarite kia tiakina te whānau i te taha pūtea mēnā ka puta he āhuatanga ohorere pēnei i te matenga, te hauātanga rānei.
– Te Whakamahere Reti: Me whakanui tonu i ngā takoha ki ngā pūkete reti. He maha ngā wā ka taea te whai i ngā takoha, ā, he wā pai tēnei hei whakanui ake i ngā penapena reti.
Ngā Tau Whiwhinga Tino Pai (50 tau)
I ngā tau e tino piki ana te whiwhinga moni, ko te nuinga o te tangata ka eke ki te taumata whiwhinga moni teitei rawa atu. Nō reira, he mea nui tēnei wā mō te whakateretere i te tipu pūtea me te whakarite mō te nekehanga ki te reti.
– Ngā Penapena Reti Kaha: Whakanuia ngā takoha ki ngā mahere reti. Whakaarohia te kōrero ki tētahi kaitohutohu pūtea hei arotake i tō putea me te mahi i ngā whakarerekētanga e tika ana kia rite ki ngā whāinga reti.
– Te Whakaiti i te Nama: He mea nui te whakaiti, te whakakore rānei i ngā nama huamoni nui, pērā i ngā kāri nama, i ngā nama whaiaro rānei. Me arotahi anō hoki ki te whakaiti i te nama mokete hei whakaiti i ngā taumahatanga pūtea ā muri ake nei.
– Te Whakataurite Anō i ngā Pūtea: I te tata mai o te reti, ka taea e te neke i ngā haumitanga ki ngā rawa iti ake te hurihanga te tiaki i a koe mai i ngā hekenga o te mākete. Mā te whakarahi ake i ngā haumitanga me te kōrero ki tētahi kaitohutohu pūtea ka taea te whakarato rautaki kua whakaritea.
– Inihuarangi Tiaki Wā Roa: He mea whakaaro nui kia whakaarohia he inihuarangi tiaki wā roa hei utu i ngā matea tiaki hauora ā muri ake nei, ka pau pea ngā penapena mēnā kāore i te whakamaheretia kia rawaka.
I mua i te reti (60 tau)
He wāhanga whakamahere nui te wā i mua i te reti hei whakarite i te whakawhiti maeneene ki te reti. Ko ngā whakataunga pūtea i tēnei wā e aro ana ki te whakakotahi me te tiaki i ngā rauemi.
– Te Whakaoti i ngā Mahere Reti: Aromatawai i te moni whiwhi reti e tumanakohia ana mai i ngā penihana, te Haumaru Hapori, me ngā penapena whaiaro. Waihangahia he tahua taipitopito hei whakatau tata i ngā whakapaunga oranga i te wā reti.
– Te Whakamahere Haumaru Hapori: Whakatauhia te wā tino pai hei tīmata whiwhi i ngā painga Haumaru Hapori. Mā te tango wawe i ngā painga ka iti ake ngā utu ā-marama, engari mā te whakaroa i ngā painga ka piki ake.
– Te whakaiti i te rahi o ngā whare: Whakaarohia te whakaiti i te rahi o ngā whare hei whakaiti i ngā utu tiaki me te whakaputa moni tāpiri.
– Whakamahere Hauora: Whakamaherehia ngā whakapaunga hauora, tae atu ki te Medicare me tetahi atu inihua hauora tāpiri e hiahiatia ana.
Te Reti (70 tau me tua atu)
I te wā reti, ka huri te arotahi ki te whakahaere me te tiaki i te taonga kia mau tonu ai mō te toenga o te oranga, me te whakatutuki hoki i ngā wawata mō te āhua o te noho.
– Rautaki Tango Moni: Whakawhanakehia he rautaki tango moni hei whakamahi pai i ngā penapena reti. Kei roto i tēnei ko te whakatau i tētahi reiti tango moni haumaru me te whakarite i ngā tohatoha whai hua ki te taake.
– Te Whakamahere Whenua: Mā te whakamahere whenua tika, tae atu ki ngā wira, ngā whakawhirinakitanga, me ngā tohu kaiwhiwhi, ka whakarite kia tohatohahia ngā rawa e ai ki ngā hiahia o te tangata, ā, ka taea hoki te whakarato i ngā painga tāke.
– Te Manaaki Hauora me te Manaaki Wā Roa: Me arotake tonu i ngā hiahia tiaki hauora me te whakahaere i ngā whakapaunga e pā ana ki te hauora. Tērā pea ka hiahiatia kia tirohia anō ngā mahere inihua me ngā mahere penapena mō ngā whakaritenga tiaki mō te wā roa.
– Te Whakahaere i ngā Pūtea: Me haere tonu te whakahaere i ngā pūtea me te aro ki te whakaiti i te mōrearea. Me arotahi ki te whakaputa moni pumau, kaua ki te tipu kaha.
Opaniraa
Mā te huarahi whakatau pūtea i roto i te huringa ora e whakarato ana i tētahi anga whānui, urutau hoki e hāngai ana ki ngā hiahia pūtea me ngā āhuatanga e whanake haere ana o ia wāhanga o te ora. Mā te mārama me te matapae i ngā kaupapa matua me ngā wero pūtea, ka pai ake te rite o te tangata ki te whakatau whai whakaaro hei whakatairanga i te pumau me te haumaru pūtea puta noa i ō rātou oranga.
Ahakoa te taumata, he mea nui tonu te ako pūtea me te whakamahere matatau. Mā te kōrero ki ngā tohunga pūtea ka taea te whakarato i ngā māramatanga whai hua me ngā rautaki whaiaro, kia mōhio ai koe ka whakaterea ia taumata o te ao me te māia ki te taha pūtea me te rangimarie o te hinengaro.
