Te Whakarite i ngā Moni Āwhina e Rawaka ana
He aha te hiranga o te pūtea āwhina? He māmā noa iho, ko te pūtea āwhina he pūkete penapena kua wehea hei utu i ngā whakapaunga ohorere, pērā i te ngaronga o te mahi, ngā matea hauora ohorere, te whakatikatika whare, waka rānei, me ētahi atu āhuatanga ohorere. Ka whakarato i tētahi turanga pūtea pakari, ā, ka āwhina i te whakarato i te haumaru me te rangimarie o te hinengaro i te wā o te raruraru. He taahiraa nui te whakatū i tētahi pūtea āwhina e tika ana i roto i te whakamahere pūtea whaiaro. Ka matapakihia e tēnei tuhinga te hiranga me ngā rautaki mō te whakatū i tētahi pūtea āwhina.
He aha te hiranga o te Pūtea Āwhina?
1. Te Haumarutanga Pūtea
Ki te kore he pūtea ohorere, ka raru pea ngā āhuatanga ohorere i te taha pūtea. Hei tauira, ko te ngaronga o te mahi me te kore he moni rahui ka arahi pea ki te kore e taea te utu pire, tae atu ki te ngaronga o te whare. Ka taea e te pūtea ohorere te āwhina i te karo i ngā āhuatanga morearea nui, me te whakarato hoki i tētahi kupenga haumaru pūtea.
2. Ārai i te Nama
He tokomaha te hunga kāore he pūtea ohorere ka akiakihia ki te nama ina pāngia e ngā whakapaunga ohorere. Ka taea e te nama, inā koa ko ngā nama huamoni nui pērā i ngā kāri nama, te whakararu i ngā āhuatanga pūtea me te hanga i tētahi huringa nama e uaua ana ki te wikitoria. Mā te pūtea ohorere, ka taea e koe te whakaiti i te tūponotanga o te mauherehere i roto i te nama.
3. Te Rangimarie o te Hinengaro
Mā te whai pūtea āwhina ka marino te hinengaro. Ka nui ake tō haumaru ā-pūtea, ā, ka pai ake tō rite mō ngā āhuatanga pōuri o te ao. Ka taea hoki e ia te āwhina i te whakaiti i ngā taumata ahotea me te whakapai ake i te hauora hinengaro whānui.
E hia te nui o te pūtea mō ngā āhuatanga ohorere e rawaka ana?
Ko te whakatau i te nui o te moni hei penapena mō tētahi pūtea ohorere ka whakawhirinaki ki ētahi āhuatanga:
1. Ngā Whakapaunga o ia Marama
Tīmata mā te tatau i ō whakapaunga ia marama, tae atu ki ngā whakapaunga oranga taketake pēnei i te kai, te whare noho, te kawe waka, me ngā pire. Ko te mea pai, me kapi e te putea ohorere te iti rawa o te 3 ki te 6 marama o ngā whakapaunga ia marama. Mena he mahi pumau tāu, ā, kei te whakahaere tonu i ō whakapaunga, ka rawaka pea te 3 marama. Heoi, ki te mea he mahi pumau tāu, he herenga pūtea rānei, ka pai ake pea te haumarutanga mā te 6 marama, neke atu rānei.
2. Ngā Pūtake o te Moni Whiwhi me te Taurite Mōrearea
Whakaarohia ō puna moni whiwhi. Mena he maha āu puna moni whiwhi, he mahi pumau rānei, tera pea ka pai koe ki te iti iho te moni whiwhi. I tetahi atu taha, ki te kore e tino mārama ō puna moni whiwhi, kotahi noa iho rānei te puna moni whiwhi, he pai ake te whakaaro ki te nui ake o te moni whiwhi.
3. Te kawenga
Mena he hunga e whakawhirinaki ana ki a koe, pērā i ngā tamariki, i ngā mema rānei o te whānau, he mea nui pea kia whakapiki ake i tō pūtea āwhina kia noho haumaru ai rātou.
4. Inihuarangatia me te Haumaru Hapori
Whakaarohia hoki ngā momo inihua kei a koe, pērā i te inihua hauora, te inihua ora, te inihua hapori rānei. Ka taea e tēnei inihua te āwhina ki te whakaiti i te hiahia mō ngā moni ohorere i ētahi wā.
Rautaki Kohi Moni Āwhati
Kia oti te whakatau i te nui e hiahiatia ana, ko te mahi e whai ake nei ko te whakawhanake i tētahi mahere hei kohi moni. Anei ētahi rautaki whai hua:
1. Ngā Penapena Tahua
Ko tētahi o ngā huarahi tino whai hua ko te whakauru i te penapena mō tētahi pūtea ohorere hei wāhanga o tō tahua ā-marama. Whakatakotoria he ōrau o tō moni whiwhi ā-marama hei tāpiri atu ki tō pūtea ohorere. Hei tauira, ka taea e koe te tīmata me te 5-10% o tō utu ā-marama. I roto i te wā, ka taea te whakanui ake i tēnei ōrau i runga i ō āheinga pūtea.
2. Whakaitihia ngā whakapaunga kāore e tino hiahiatia
Tāutuhia ngā wāhi ka taea e koe te whakaiti i ngā whakapaunga. Kei roto i tēnei ko te kai i waho, te whakangahau, ngā ohaurunga koretake rānei. Ka taea te tohatoha i te moni kua penapenahia mai i ēnei whakapaunga ki tētahi putea ohorere.
3. Whakamahia ngā Pōnahi, ngā Moni Tāpiri rānei
Whakawhitihia ngā pōnahi, ngā utu tāpiri, ngā moni whiwhi tāpiri rānei ki tō putea ohorere. He huarahi tere tēnei ki te whakanui ake i ō penapena me te kore e whakararuraru i tō tahua auau.
4. Penapenahia te Moni Iti
He tikanga māmā engari he whai hua ko te penapena i ngā moni iti, i ngā moni rānei mō ia tauwhitinga moni. Ahakoa te āhua iti o tēnei, ka nui haere pea te moni i roto i te wā.
5. Hokona ngā Taonga Kāore i Whakamahia
Whakamahia ngā taonga kāore anō kia whakamahia i te kāinga mā te hoko atu. Ka taea e koe te whakahaere i tētahi hokohoko whare, te hoko atu rānei i runga ipurangi, mā te tūāpapa hoko taonga tuarua rānei. Ka taea te tohatoha i ngā moni whiwhi mai i ēnei hoko ki tētahi putea āwhina ohorere.
Te Penapena i ngā Moni Āwhati
He mea nui kia waiho tō pūtea ohorere ki tētahi wāhi e ngāwari ana te uru atu engari he haumaru hoki i ngā piki me ngā heke o te mākete. Ko ētahi kōwhiringa hei whakaaroaro māu ko:
1. Pūkete Penapena
He wāhi haumaru, he wāhi wai hoki te pūkete penapena hei penapena moni ohorere. Me whakarite kia wehea tēnei pūkete penapena mai i tō pūkete whakapaunga noa kia kore ai e whakamahia noatia.
2. Pūkete Putunga Wā
Mena kei te hiahia koe ki tētahi reiti huamoni teitei ake engari kei te hiahia tonu koe ki te uru atu ki tētahi wāhi tere, he kōwhiringa pea te penapena wā-poto. Heoi, kia kaua e roa rawa te wā kia taea tonu ai te tohatoha i ngā moni ohorere i roto i tētahi wā tika.
Aromatawai me te Whakatikatika Auau
Ehara te pūtea āwhina i te mea ka taea e koe te whakatū kotahi noa ka wareware. He mea nui kia arotakehia, kia whakarerekētia hoki te nui o tō pūtea āwhina i ia wā:
1. Arotake ā-Tau
Arotakehia ā-tau kia kitea ai mēnā kei te rite tonu te moni kua waihotia e koe ki ō hiahia me tō āhua pūtea. Tērā pea ka rerekē ngā whakapaunga o ia marama i roto i te wā, me te nui hoki e tika ana kia waihotia e koe.
2. Te Whakarerekētanga Whakapaunga
Mena he nui ngā huringa o tō ao, pērā i te whānautanga o tētahi tamaiti, te whakawhiti mahi, te pikinga rānei o ngā pire o ia marama, me whakarerekē tika i tō putea āwhina ā-whatumanawa.
3. Whakaarohia te Pikinga
Kaua e wareware ki te whakaaro ki ngā pānga o te pikinga utu. Tērā pea kāore e rite te kaha hoko o te moni kua penapenahia i nāianei a muri ake nei. He mahi whakaaro nui te tāpiri tonu ki tō pūtea ohorere hei utu mō te pikinga utu.
Whakamutunga
He taahiraa nui te whakatū i tētahi pūtea āwhina mō ngā āhuatanga ohorere i roto i te whakamahere pūtea whaiaro, te whakarite i te haumaru pūtea, te karo i te nama, me te whakarato i te rangimarie o te hinengaro. Mā te whakatau i te moni e hiahiatia ana i runga i ngā whakapaunga o ia marama, ngā pūtake moni whiwhi, me ngā tāngata e whakawhirinaki ana ki a koe, me te whakatinana i tētahi rautaki kohi moni whai hua, ka taea e koe te hanga i tētahi pūtea āwhina mō ngā āhuatanga ohorere pakari. Hei tāpiri, mā te pupuri i ngā pūtea ki tētahi pūkete haumaru, ngāwari hoki te uru atu, me te arotake me te whakarerekē i aua pūtea i ia wā, ka whakarite kia rite tonu tō pūtea āwhina mō ngā āhuatanga ohorere ina hiahiatia. Mā tēnei, ka taea e koe te aro atu ki ngā āhuatanga ohorere me te nui ake o te rangimarie o te hinengaro me te maia.
