Te tautoko ahumoni me te mino moni

Te tautoko ahumoni

Mēnā kāore koe i te akoako, i te whakangungu, i te mahi rānei, me whai tautoko ahumoni pea koe hei āwhina. Nā runga i te āhua o tō noho, tērā ētahi kōwhiringa mō te tautoko ahumoni mā roto i a Te Hiringa Tangata (WINZ). Ko ētahi o aua āhuatanga ko te mate ki te neke i te kāinga, ko te mahi rānei i ngā hāora e iti iho ana i te 30 i te wiki.

Ko ētahi tauira o te tautoko ko te Jobseeker Support, ko te tautoko mō ngā utu o te noho i a WINZ. He pārongo mō te āwhina ahumoni i te pae tukutuku a Te Manatū Hauora.

Mēnā e hapū ana koe, he tamaiti rānei tāu, tērā ētahi momo tautoko whāiti e wātea ana pea ki a koe i a Te Hiringa Tangata.

Te mino moni i ngā pēke me ngā kaihoatu moni taurewa

Tuku ai te nuinga o ngā pēke me ngā kaihoatu moni taurewa i ētahi momo taurewatanga rerekē, ā, e whaihua ana te rangahau i te kōwhiringa e tika ana ki a koe. Kei raro iho nei ētahi o ngā momo taurewatanga matua:

He pūnaha mino moni paetata ngā kāri taurewa. Ka wātea koe ki te whakapau i tāu e pai nā i te pūtea pēke kāri taurewa tae atu ki tētahi tepenga kua tau kē, ā, ka mate koe ki te whakahoki i ngā moni i pau rā i a koe. Ki te kore e utua i te wā e tika ana, ka mate koe ki te utu i ētahi itareti atu anō, e nui ana te utu i ētahi wā.

Mā ēnei e whakaaetia ai kia nui ake tō whakapaunga moni i ngā moni kei tō pūtea pēke, tae atu ki tētahi tepenga kua tau kē. He āwhina tēnei, engari kia tūpato i tō noho nama. E rangirua ana pea ngā pāpātanga itareti, ā, nā runga i te korenga ōu e whai i tētahi puka nama i ia marama, ka kore pea koe e mārama ki te nui o te itareti e utua ana e koe.

I te nuinga o te wā, he moni taurewa iti iho ēnei e wātea ana i ngā pēke, i ngā uniana taurewa, i ngā moni taurewa aropā, i ngā kaihoatu moni taurewa tae atu ki tō rangi utu. Nā te mea e iti iho ana te itareti, he kōwhiringa tuatahi pai pea mēnā kāore he āwhina i tō whānau, i ō hoa rānei. I te nuinga o te wā, e iti iho ana te itareti i ngā pēke, i ngā uniana taurewa, i ngā building societies hoki, nā reira ko ēnei kōwhiringa ngā ara pai katoa hei tīmatanga māu.

He pūnaha utu te hoko ināianei me te utu ā wā kē e utu ai koe i tētahi rahinga kua tau kē mō tētahi mea, ā, ka utua e tētahi kamupene BNPL te toenga. Ā muri i tēnā, ka noho nama koe ki te kamupene BNPL mō te toenga, me auau hoki tō whakahoki moni. Ko ētahi o ngā kōwhiringa BNPL ko Afterpay me te Layby.

Kāore he utu, kāore hoki he itareti o te BNPL, engari kia kaua e tōngakingaki tō whakamahi! Ka uaua pea te whakahaere, ā, he utu tonu pea mō te utu tōmuri. He pārongo atu anō kei te pae tukutuku a Sorted.

I ia wā, ka mate koe ki te whai i tētahi tukanga tono me te whakaae ka mino moni ana koe. Ka hihira tēnei tukanga i tō moni whiwhi, i ō utu o ia rā, i tō tapeke taurewa, me ētahi atu mea. He pārongo atu anō mō ngā pūrongo taurewa me tō tapeke taurewa ki te pae tukutuku a Te Kāwanatanga o Aotearoa.

Ko ngā mōkete (ngā moni taurewa rānei mō te hoko whare) ngā moni taurewa nui ake, moni taurewa karioi hoki hei hoko whare, hei hoko whenua rānei. He maha ngā momo mōkete e rerekē ana ngā utu, ngā itareti me tōna pīngore. Kei te pae tukutuku a Sorted tētahi whakarāpopototanga pai o ngā momo rerekē, tae atu ki ngā hua pai me ngā hua kino o ia mea.

Te mārama ki te itareti

Ka tono moni taurewa ana te tangata, me mōhio ia ki te itareti, ki ngā here whakamahi, ki ngā utu hoki — tae atu ki ngā utu mō te tīmatanga o te tono me te whakaea tōmua.

Mā te Tātaitai Taurewa a Sorted e mārama haere ai koe ki te nui o te utu mō ō moni taurewa i mua hoki i tō tono, engari me maumahara e rerekē ana ngā itareti a ētahi kaihoatu taurewa.

E whakahirahira ana tēnei nā te mea ki te nui ake te itareti me ngā utu, ka piki te nui o te moni taurewa me ngā moni me whakahoki atu e koe ā tōna wā. Hei tauira:

Ki te mino i te $1,000, mēnā ko te 25% te itareti mō te 36 mārama, ko te $1,431 te utu ā tōna wā.
Ki te mino i te $1,000, mēnā ko te 15% te itareti, ko te $1,248 te utu ā tōna wā.

Ngā moni taurewa pai me ngā moni taurewa kino

He moni taurewa pai, he moni taurewa kino hoki. Ka whakakaha te moni taurewa pai i te āhua o tō ao ahumoni ā tōna wā, ka whakaputa rānei i ētahi whiwhinga moni karioi. Ko te Student Loan hei tauira. Kua pēnei nā te mea mā te Student Loan e taea ai te ako ki te kura tuatoru, te whakapakari pūkenga rānei, e whakakaha nei i te āheinga o te tangata ki te whakarahi i tana whiwhinga moni.

Ko te moni taurewa kino te whakapau moni ki ngā mea e heke ana tana uara, e kore hoki e whakakaha i tō whiwhinga moni, i te āhua rānei o tō ao ahumoni ā tōna wā. Ko tētahi tauira o te moni taurewa kino ko te mino moni hei hoko waea ka wawe te tawhito, ka pakaru rānei.

Te whai āwhina

He wā ōna ka taumaha rawa te noho nama, ā, ka mahue tētahi o ngā utu whakaea. Mēnā e uaua ana tō whakahaere i tō pūtea, kōrero atu ki te whakahaere i ahu mai ai ō moni taurewa mō ō kōwhiringa. He wā ōna mā te kōrero e puta ai tētahi mahere whakaea e māmā ake ana.

He āwhina hoki e wātea ana mō te ahumoni me te whakamahere pūtea. Ko MoneyTalks tētahi waea āwhina e kore utu ana, e matatapu ana hoki hei tuku kōrero āwhina ki te tangata, ki ngā whānau hoki.

Financial support and borrowing money