Te Whakahaere Pūtea mō ngā Tohunga Hauora
He maha ngā wā ka kitea te umanga hauora he rite ki te utu nui me te pumau o te mahi. Heoi, kāore i te tino māmā te āhua o te ao. He maha ngā wā ka pāngia ngā tākuta whānui, ngā tohunga, ngā tākuta niho, ngā tākuta rongoā, ngā nēhi, ngā kaiwhakawhanau, me ētahi atu tohunga hauora e ngā wero pūtea ahurei: he roa, he utu nui hoki ngā kaupapa mātauranga, he tīmatanga o ngā mahi me te kore pumau o ngā whiwhinga moni, he nui ngā kawenga mahi e arahi ana ki te kore e aro ki te whakahaere pūtea, me ngā mōrearea ngaio e hiahia ana ki te tiaki pūtea tika. Nō reira, he pūkenga nui te whakahaere pūtea mō ngā tohunga hauora—ehara i te mea ko te "kohi moni" anake, engari ko te whakarite i te haumaru pūtea, te rangimarie o te hinengaro, me te pumau o te mahi.
1. Te mārama ki ngā mahere rere moni: te tūāpapa matua
Ko te taahiraa tuatahi ki te whakahaere pūtea ko te mārama ki tō rerenga moni whaiaro: te wāhi e uru mai ai te moni, me te wāhi e puta atu ai. He maha ngā momo huarahi whiwhi moni a ngā tohunga hauora, pērā i ngā utu hōhipera/whare hauora, ngā ratonga hauora, ngā mahi tūmataiti, ngā mahi tohutohu, ngā mahi whakaako, ngā kaupapa rangahau rānei. Ahakoa he pai ngā momo huarahi whiwhi moni, ka uaua ake te whakahaere pūtea.
Tīmata mā te tuhi i ngā moni whiwhi me ngā whakapaunga katoa mō te iti rawa 1–3 marama. Wehewehea ngā whakapaunga ki: ngā mea nui e hiahiatia ana (kai, waka, pire, reti/wāhanga), ngā herenga pūtea (nama mātauranga, utunga waka, tautoko whānau), momo noho (whakangahau, kai i waho, hokohoko), me te haumi/tiakitanga (penapena, inihua). Ehara i te mea ko te whakawhāiti rawa i a koe anō te whāinga, engari ko te hanga i tētahi tauira whakapaunga e hangai ana ki ō whāinga roa.
2. Waihangahia he tahua tūturu me ngā hāora mahi pukumahi
He maha ngā tohunga hauora e raru ana ki te whakatakoto tahua nā te pukumahi o ngā mahi me te piki me te heke o te moni whiwhi. Ko te mea nui ko te whakatakoto tahua māmā, aunoa, me te ngāwari ki te aroturuki. Ko tētahi tikanga noa ko te wehewehe ōrau, hei tauira:
– 50–60% mō ngā hiahia o ia rā me ngā herenga whānau
– 10–20% mō ngā penapena ohorere me ngā whāinga poto
– 10–20% mō ngā haumitanga roa
– 5–10% mō te momo noho/whakangahau
– Ko te toenga hei utu mō ngā utunga/nama, hei whakapai ake rānei i te pūkenga
Kāore tēnei tatauranga i te tino pumau. Mena kei te utu koe i ngā nama ākonga, kei te whakatū rānei i tētahi umanga, ka rerekē pea ngā ōrau. Ko te mea nui kia "mahi" te tahua me te kore e hiahiatia he maha o ngā whakatau i ia rā. Whakamahia te tango moni aunoa mō ngā penapena/haumitanga ina whiwhi koe i te utu, kia penapena ai koe i mua i te whakapaunga.
3. Whakahaerehia te nama: wehewehea te nama hua me te nama whakapau
He maha ngā wā ka tīmata ngā mahi a ngā tohunga hauora me te nama: te utu mō te mātauranga, te whakangungu, te pūtea rānei hei whakatuwhera i tētahi mahi. Ehara i te mea he kino tonu te nama, engari me ine. Ko te nama hua ko te nama e āwhina ana ki te whakapiki i te kaha whiwhi moni, pērā i te utu mō te mātauranga motuhake, te hoko taputapu rānei e tere ake ai ngā ratonga me te whakawhānui ake i te turanga tūroro. I tetahi atu taha, ko te nama whakapau moni—pērā i ngā utunga mō ngā taonga papai kāore e tino whakapai ake i te kounga o te oranga—he maha ngā wā ka ārai i te herekoretanga pūtea.
Ka taea e ngā rautaki utu te whakamahi i te tikanga "avalanche" (te whakarite i te reiti huamoni teitei rawa) te tikanga "snowball" rānei (te whakarite i te moni iti rawa kia tere ai te kite i te ahunga whakamua). Kōwhiria te tikanga e pai ana ki tō hinengaro. Ko te mea pai, kia kaua e neke ake tō ōwehenga utunga katoa i te 30–35% o tō whiwhinga moni toharite ia marama kia mau tonu ai te ngāwari o te taha pūtea.
4. Pūtea ohorere: he mea nui hei aro atu ki ngā tūponotanga ohorere
Kāore te ao hauora e ārai i ngā āhuatanga ohorere: ngā whara e whakamutu ana i te mahi, ngā mate, ngā kereme ture, ngā huringa rānei o ngā kaupapa here o te wāhi mahi. Nō reira, he mea nui te pūtea ohorere. Ko te mea pai, me whai pūtea ohorere koe:
– 3–6 marama o ngā whakapaunga oranga mō te hunga takakau he pumau ā rātou whiwhinga moni
– 6–12 marama mō te hunga he hunga tiaki, he moni whiwhi rānei e piki haere ana (mahi motuhake)
Penapenahia ngā moni ohorere ki roto i ngā taputapu moni e taea te penapena, ā, he haumaru hoki, pērā i tētahi pūkete penapena motuhake, i tētahi pūtea mākete moni tahi rānei (whakarerekētia kia rite ki tō āhua mōrearea me tō urunga atu). Ehara ngā moni ohorere i te mea mō te haumi kaha; he ārai ēnei ina puta he āhuatanga ohorere.
5. Tiakitanga: inihua e tika ana mō ngā kaimahi hauora
Haunga ngā pūtea ohorere, he pou pūtea e warewarehia ana te tiaki. He hiahia tiaki motuhake tā ngā tohunga hauora nā te mea he nui ngā tūponotanga o ā rātou mahi me te uara nui o ā rātou whiwhinga ā muri ake nei. Ko ētahi tiakitanga hei whakaaroaro māu:
1. Inihuarangatia hauora: kia tino kapi i te inihuarangatia hauora te utu mō te noho mai, te utu mō te noho mai i waho, me ngā painga e tika ana.
2. Inihuarangi ora: ina koa mēnā he hunga tiaki āu. Arotahi ki te tiaki, kaua ki te haumi.
3. Inihuarangi hauātanga: he mea tino nui nā te mea ko te moni whiwhi matua e whakawhirinaki ana ki ngā āheinga tinana me ngā āheinga hinengaro.
4. Inihuarangatia herenga ngaio (mahi hē): ka āwhina i te whakahaere i ngā mōrearea tautohetohe me ngā utu ture.
Kōwhiria he hua mā te mārama ki ngā painga, ngā ārai, ngā wā tatari, me ngā taumata. Kaua e mangere ki te kōrero ki tētahi kaiwhakamahere pūtea motuhake kia kore ai koe e mau i tētahi hua kāore i te tika.
6. Te haumi: te hanga taonga i roto i te huarahi hanganga
He huarahi te haumi ki te whakamahi i te moni, inā koa mō ngā tohunga hauora e mahi ana i ngā hāora roa. Heoi, me ahu mai ngā haumitanga i ngā whāinga (reti, mātauranga tamariki, hoko whare, pūtea whare hauora) me te pae tawhiti. Ko te mātāpono matua: ko te roa o te pae tawhiti, ko te nui ake o te manawanui ki ngā piki me ngā heke.
Ko ētahi kōwhiringa haumi e whakamahia whānuitia ana:
– Ngā moni tāpui / mākete moni mō ngā whāinga poto me ngā whāinga pumau
– Ngā here kāwanatanga hei taurite i te mōrearea me te hokinga mai
– Ngā pūtea tahi whakauru/here, ngā hea tika rānei mō te wā roa me te kaha tipu nui ake
– Te rawa mēnā he kaha te rere o te moni, ā, he tino tika ngā tataunga (taake, tiaki, rīhi wātea)
– Ngā tuhinga penihana (e ai ki ngā ture me ngā whakaurunga e wātea ana)
Āta karohia ngā whakataunga haumi i runga i te FOMO (te wehi kei ngaro). He maha ngā wā ka arohia ngā tohunga hauora e ngā haumitanga "whai rawa tere" me ngā kaupapa kāore i te mārama. He māmā noa te mātāpono: ki te kore koe e mārama ki tana mahi me ngā mōrearea, kaua e haumi moni nui.
7. Te whakamahere tāke: he tutuki i ngā whakaritenga, he ātaahua, he whai hua hoki
Mō ngā tohunga hauora e whakahaere ana i ngā mahi motuhake, e whiwhi moni ana rānei mai i ngā pūtake maha, he uaua pea te whakahaere taake. Ka taea e ngā whakaroa whakahaere te arahi ki ngā whiu, te ahotea, me te whakararuraru i te rere o te moni. Tīmata ki ngā tikanga māmā: wehea ngā pūkete whaiaro me ngā pūkete pakihi/mahi, pupuri i ngā whiwhinga tauwhitinga, me te tuhi i ngā moni whiwhi ratonga me ngā whakapaunga whakahaere (ngā taputapu hauora, te reti, ngā utu kaimahi, te whakangungu).
Ki te mea e tika ana, whakamahia he kaitohutohu tāke hei whakahaere i tāu pūrongo, hei tuku hoki i a koe ki te arotahi ki te tiaki tūroro. Ko te whai i ngā ture tāke he wāhanga nui o te ngaiotanga me te hauora pūtea mō te wā roa.
8. Te hanga rawa mahi: te mātauranga me te ingoa pai hei "haumitanga"
Ki ngā tohunga hauora, ehara i te mea ko ngā penapena me ngā taonga anake ā rātou rawa nui, engari ko ō rātou pūkenga me te ingoa pai hoki. Ko te tohatoha moni mō ngā akoranga, ngā tiwhikete, ngā awheawhe, me te whatunga ngaio he maha ngā wā ka puta he hua nui i roto i te ahua o ngā whai wāhitanga mahi, te pikinga o ngā utu, te whakatuwheratanga rānei o ngā ratonga hou. Heoi, kia whiriwhiria: whiriwhiria he whakangungu e hangai ana ki ō mahere mahi, kaua e whai noa i ngā au auaha.
Waihangahia he "tahua whanaketanga whaiaro" ā-tau. Mā tēnei, e kore ngā utu mātauranga e whakararuraru i tō rere moni, ā, ka noho tonu hei mea whakahaere.
9. Hangaia he mahere mō te wā roa: te kāinga, te whānau, me te reti
Ahakoa he roa te mahi hauora, kāore koe e hiahia ki te mahi i te kaha nui ake tonu atu. Nō reira, he mea nui kia whakawhanakehia he mahere reti i te wā e tika ana. Whakatauhia tō tau reti e hiahiatia ana (hei tauira, 55, 60 rānei), te momo noho e hiahiatia ana e koe, me te whakatau tata i ō whakapaunga ia marama. Mai i reira, tatauhia ō hiahia putea reti, ā, waihangahia he rautaki haumi pumau.
Mena he whānau tōu, whakamaherehia hoki ngā utu mātauranga a ngā tamariki, te hoko whare, me te tiakitanga pūtea mō tō hoa rangatira. He mea nui te māramatanga pūtea me te whakawhitiwhiti kōrero i roto i te whānau, inā koa he maha ngā wā ka hiahiatia he whakatau tere mō te whānau i roto i ngā wā mahi hauora.
10. Whakatau: pūtea hauora mō te ratonga pai ake
Ehara i te mea ko ngā tau anake te kaupapa o te whakahaere pūtea mō ngā tohunga hauora, engari ko te manawanui me ngā whakataunga kounga. Mā te rere moni pumau, te nama e taea te whakahaere, te putea ohorere haumaru, te tiaki tika, ngā haumitanga hanganga, me te whakamahere mō te wā roa ka marino tō hinengaro. Mā te pūtea hauora, ka taea e koe te arotahi ki ngā mea tino nui: te whakarato i te tiaki tūroro pai rawa atu, te pupuri i tō ake hauora, me te hanga i tētahi umanga pumau.
Ki te tīmata koe i te tīmatanga, me mahi i ia taahiraa i ia wā. Tīmata mā te aroturuki i tō rerenga moni, te waihanga i tētahi tahua māmā, te hanga i tētahi putea ohorere, kātahi ka haumi tonu. Mā ngā mahi iti, auau ka puta he huringa nui—ā, hei whakamutunga, ka āwhina i a koe kia noho hei tohunga hauora e kore e matatau noa ki te taha haumanu engari he pakari hoki ki te taha pūtea.
