Te Whakarite i ngā Pūtea mō te Whānau Tamariki
Ko te whānautanga o tētahi tamaiti tētahi o ngā whakataunga nui rawa atu o te ao, ehara i te mea nā te pōrearea o te hinengaro, te wā, me te kaha anake, engari nā ngā pānga pūtea anō hoki. He maha ngā tāne me ngā wāhine e whakarite ana i te whare kōhungahunga, e whiriwhiri ana i tētahi ingoa, e whakamahere ana rānei i te mātua, engari he maha ngā wā ka whakaarohia ngā āhuatanga pūtea i muri i te whānautanga o te tamaiti. Heoi, mā te whakamahere pūtea wawe ka āwhina i ngā whānau ki te whakatere i tēnei wāhanga hou me te rangimārie o te hinengaro, te iti ake o te ahotea, me te whakarite pai ake mō ngā mea ohorere.
Anei tētahi aratohu mō te whakarite i ō pūtea mō te whānautanga o tētahi tamaiti, mai i te wā i mua i te haputanga ki te whakamahere mō te wā roa.
1. Arotakehia te Āhua Pūtea o Nāianei
Ko te taahiraa tuatahi ko te mārama ki te āhua pūtea o nāianei o tō whānau. Tuhia he rārangi katoa o ō moni whiwhi auau (utu, pakihi, moni whiwhi tāpiri) me ngā whakapaunga o ia marama (mōkete, reti, mea e hiahiatia ana e te whare, waka, whakangahau). Kātahi, tatauhia te rerekētanga kia kite ai mēnā he wāhi hei tāpiri i ngā mea hou e pā ana ki āu tamariki.
He maha ngā tāne me ngā wāhine e miharo ana kāore e nui ake ngā whakapaunga tiaki tamariki i te miraka me ngā nāpi. Kei roto i ēnei ko ngā tirotiro tamariki auau, ngā werohanga ārai mate, ngā taputapu, tae atu ki ngā utu tiaki tamariki mēnā kei te mahi ngā mātua e rua. Mā te arotake i tō āhua pūtea i te wā tōmua, ka taea e koe te whakatau mēnā me whakaiti e koe ētahi whakapaunga, me whakanui ake i tō moni whiwhi, me whakaroa rānei i ngā mahere nui.
2. Whakaea, whakahaere rānei i te nama a te kaihoko
I mua i te whānau tamariki, ngana ki te whakakore i ngā nama kaihoko he nui te huamoni, pērā i ngā kāri nama, i ngā utunga wāhanga rānei kāore i te whāwhā. Ka taea e tēnei momo nama te whakaiti i te rere o te moni me te whakaiti i te ngāwari o te pūtea ina piki ake ngā whakapaunga a ngā tamariki.
Ki te kore e taea te utu tonu i ngā nama, me waihanga he rautaki utu kua āta whakaritea: ko ngā nama he nui te huamoni, me whiriwhiri te whakarerekētanga mēnā e tika ana, ā, me karo i te tāpiri nama hou. Ko te mama o te kawenga utunga, ko te kaha ake o te pūtea a te whānau ki te aro atu ki ngā wāhanga tōmua o te whānau tamariki.
3. Whakaritea ngā moni mō te whānautanga me te tiaki i te hapūtanga
Ka rerekē pea ngā utu mō te hapūtanga me te whānautanga i runga i te wāhi, te whare hauora, te tākuta, me ngā tikanga hauora e hiahiatia ana. Me whai whakaaro ki ngā tirotiro ā-wā hapūtanga o ia rā, ngā tirotiro ultrasound, ngā huaora, me te tūponotanga o ētahi āhuatanga (pēnei i ngā hapūtanga mōrearea nui).
He iti ake te utu o te whānautanga ā-tara i te whānautanga ā-ture, engari kāore e taea te whakarite i ngā āhuatanga katoa. Nō reira, he mea nui kia whakaritea he tahua whānau me ngā whakaaro pono me te "pūtea" iti mō ngā āhuatanga ohorere. Ki te taea, tīmata ki te whakarite i tētahi pūtea motuhake i mua i te haputanga kia kore ai e pōuri.
4. Whakakahangia te Pūtea Āwhina ā-Whānau
Ka nui ake te hiranga o te pūtea āwhina ina he whānau āu e tiaki ana. Ko te mea pai, i mua i te whānautanga o ngā tamariki, me whai pūtea āwhina koe mō te iti rawa 3–6 marama hei whakapaunga i ngā whakapaunga o ia rā. Heoi, ina whānau mai ngā tamariki, ko te whāinga haumaru ko te 6–12 marama, inā koa mēnā kei te whakaaro tētahi o ngā mātua ki te tango hararei roa, ki te mutu mahi rānei mō tētahi wā.
He pai tēnei pūtea āwhina mō ngā āhuatanga pēnei i te ngaronga o te mahi, ngā matea hauora ohorere, ngā whakapaunga ā-whare, te pēpi rānei e hiahia ana ki te tiaki tāpiri. Puritia tō pūtea āwhina ki roto i tētahi taputapu haumaru, ngāwari hoki te uru atu, pēnei i tētahi pūkete penapena motuhake, i tētahi moni tāpui poto rānei.
5. Me whakarite kia rawaka te kapinga inihua
Ehara te inihua i te mea he whakapaunga noa iho, engari he taputapu tiaki mōrearea pūtea. E toru ngā momo kapinga e tino whai tikanga ana ina whakarite ana mō tētahi whānau me ngā tamariki:
1. Inihuarangatia hauora: Kia tino whai inihua kōrua ko tō hoa rangatira e kapi ana i te hōhipera, ngā tikanga ohorere, me ngā utu tākuta. Tirohia mēnā he painga mō te whānautanga me te tiaki i mua i te whānautanga, nā te mea kāore e kapi katoa ēnei i ngā mahere inihua.
2. Inihuarangi ora: Mena ko tētahi o ngā hoa te kaiwhiwhi matua mō te whānau, ka āwhina te inihuarangi ora ki te tiaki i te whānau mēnā ka ngaro te moni whiwhi.
3. Inihuarangi mō ngā tamariki: Whai muri i te whānautanga o te tamaiti, whakaarohia te inihua hauora mō te tamaiti kia kore ai ngā utu hauora e whakararuraru i te rere o te moni.
Ko te mea nui ko te whiriwhiri i ngā painga e tika ana mō ō hiahia me ō pūkenga, kaua ko te hoko noa i te hua tino utu nui.
6. Tātaihia te Utu mō te "Tau Tuatahi" o te Tamaiti
Ko te tau tuatahi te wā whakapaunga nui rawa atu nā te maha o ngā hiahia hou. Ahakoa he rerekē ia whānau, anei ētahi āhuatanga noa:
– Ngā nāpi, ngā tauera mākū, te tiaki pēpi
– Miraka tauira (mēnā e hiahiatia ana), kai tāpiri, taputapu whāngai ū
– Ngā kākahu pēpi, ngā paraikete, ngā taputapu kaukau
– Moenga pēpi, tūru pēpi, nohoanga motuka (mēnā e hiahiatia ana)
– Te werohanga ārai mate me ngā tirotiro auau
– Ngā utu mō te tiaki tamariki, te tiaki tamariki rānei (mēnā kei te mahi ngā mātua)
Waihangahia he tahua ā-marama mō ngā hiahia o tāu tamaiti. Mā tēnei, ka taea e koe te matapae i ngā whakarerekētanga o te noho e hiahiatia ana e koe, pērā i te whakaiti i ngā kai mātao, ngā hararei, ngā hokonga ohorere rānei.
7. Mahere mō te Pānga ki te Whiwhinga me te Umanga
He maha ngā pānga o te whānautanga o tētahi tamaiti ki ngā hāora mahi me te hua o te mahi, inā koa i te tau tuatahi. Ko ētahi ka roa te hararei, ka whakaiti i ngā hāora mahi, ka mutu rānei mō te wā poto hei aro ki te tiaki tamariki. Nō reira, he mea nui kia matapakihia ngā āhuatanga whiwhi moni: mehemea ka whakawhirinaki te whānau ki tētahi moni whiwhi mō ētahi marama, ka pupuri rānei i ngā moni whiwhi e rua me te āwhina a tētahi kaihiki.
Ki te mea kei te whakaaro koe ki te whiwhi moni kotahi, whakamātauria tuatahi: ngana ki te noho me te utu kotahi mō ngā marama e 2–3 i mua i te whānautanga o tāu tamaiti, ā, waiho te utu tuarua hei penapena. Ehara i te mea ka āwhina noa tēnei i a koe ki te whakaharatau i tō momo noho hou, engari ka hanga anō hoki i ō rahui pūtea.
8. Tīmata wawe ki te penapena mō te mātauranga
Ka piki haere ngā utu mātauranga i ia tau, i ia tau. Ahakoa kua whānau mai tāu tamaiti, mā te tīmata wawe ki te penapena mātauranga ka māmā ake te taumahatanga. Whakatauhia ō whāinga: kura kāwanatanga, kura tūmataiti rānei, te taumata, me te whakatau tata i ngā utu ā muri ake nei.
Ka taea e koe te whakamahi i tētahi pūkete penapena motuhake, i tētahi pūtea tahi, i tētahi atu taputapu haumi rānei kua whakaritea mō tō āhua mōrearea. Ko te tikanga whānui, ko te roa o te wā haumi, ko te nui ake o te pūmanawa mō te tipu. Heoi, kia mau tonu he pūtea ohorere pakari me te tiaki mōrearea i mua i te haumi kaha rawa.
9. Waihangahia he Tahua Whānau Whai Mana
Kia tae mai ngā tamariki, ka nui haere pea ngā whakapaunga iti. Nō reira, he mea nui kia ngāwari ake te whakarite tahua. He pai ngā tikanga katoa, mena he rite tonu: te pupuri pukapuka ā-ringa, te whakamahi taupānga pūtea, te tohatoha tahua rānei.
Tauira māmā:
– 50% mō ngā hiahia taketake o te whare
– 20% mō ngā penapena/haumitanga (tae atu ki te mātauranga)
– 10% mō te hauora me te inihua
– 20% mō ngā utunga me ētahi atu hiahia
He ngāwari tēnei tatauranga. Ko te mea nui kia mārama te tohatoha moni mā ngā tamariki, me te rohenga kua whakaaetia ngātahitia.
10. Whakaritehia ngā Tuhinga me ngā Mahere Pūtea mō te Wā Roa
Ahakoa he mea nui, kāore e arohia ana ngā āhuatanga whakahaere. Whai muri i te whānautanga o te tamaiti, ka mahi koe ki ngā tiwhikete whānau, ngā kāri whānau, te BPJS (Haumarutanga Hapori) me te inihua tāpiri, me te whakamahere whenua. Kāore e hiahiatia kia uaua, engari kia tika te whakarite i ō tuhinga whānau, ā, kia ngāwari te uru atu ki te pūtea mēnā ka puta he āhuatanga ohorere.
Hei tāpiri, kōrerohia ngā whāinga roa: ahakoa he whare nui ake tō hiahia, he motuka haumaru ake, he tamariki maha atu rānei. Ka pāngia e ēnei whāinga hou te rautaki pūtea whānui a te whānau.
Te Katinga
Ehara i te mea me whai rawa tonu koe i te wā tonu ki te whakarite pūtea mō ngā tamariki, engari me mōhio koe ka rerekē te ao, ka piki ake hoki ngā whakapaunga. Mā te aromatawai pūtea, te whakahaere nama, te putea ohorere, te inihua, te tahua whakahaere, me ngā penapena mātauranga mō ngā tamariki, ka taea e koe te manaaki i tāu tamaiti me te haumaru nui ake.
Hei whakamutunga, ehara i te mea ko te moni anake te mea e hiahiatia ana e ngā tamariki. Mā te pumau o te pūtea ka āwhina i ngā mātua kia marino ake, kia arotahi ake, kia rite ake hoki ki te whakarato i te aroha me te aro nui. Mā te whakamahere tika, ehara i te mea kei te whakatipu noa koe i āu tamariki engari kei te hanga hoki i tētahi turanga whānau pakari, mō te wā roa.
