Kua kōrerohia i tēnei whārangi:

Te kapetuhi ataata available for Budgeting video Huaki Kati
[Music]


[On camera: Andy and Anna are walking down a city street looking directly to the camera]


[Andy speaks to camera: We all know managing your money isn’t easy]


[On camera: Anna seated in a cafe with two friends, a plate of food in front of each of them]


[Anna speaks to camera: Whether you’re trying to keep up with these guys]


[On camera: Anna gestures to her two friends]


[On camera: Andy sitting on a couch. There are bills in the couch next to him and one in his hand]


[Andy speaks to camera: Or trying to keep up with these guys]


[On camera: Andy picks up a handful of bills off the couch]


[On camera: Anna is in a second-hand clothing store looking through a rack of clothes]


[Anna speaks to camera: Budgeting can sound pretty boring, but the point is to actually free yourself up to do the things you really want to do]


[Noise: changing room curtain sliding open]


[On camera: Andy exiting changing room]


[Andy speaks to camera: It helps you focus on the things you want to achieve long-term, rather than just the things you want right now]


[On camera: Andy gestures to the sparkly knitted jumper he has just tried on]


[Andy speaks to camera: Like this]


[On camera: Andy and Anna are in a cafe, Andy is drawing on a piece of paper]


[Anna speaks to camera: There are different ways of budgeting that suit different people, but it’s important to know the basics first and foremost]


[On camera: Section of paper that Andy has been drawing on. Cartoon drawing of dollar signs.
The text above drawing says WEEKLY INCOME]


[Anna voiceover: A basic budget should outline how much you earn]


[On camera: Different section of paper that Andy has been drawing on. Andy draws an arrow to a cartoon figure. The text above drawing says ME. Andy draws another arrow to cartoons of a house, a car, a weightlifter and a burger. The text above drawing says ESSENTIALS


[Anna voiceover: What costs you have each month that are essential]


[On camera: Different section of paper that Andy has been drawing on. Cartoons of a desert island and a concert. Andy draws a circle around these and draws exclamation marks inside the circle. The text above drawing says GOALS]


[Anna voiceover: What your long term financial dreams are,]


[On camera: Different section of paper that Andy has been drawing on. Cartoons of a coffee, a shoe, a jersey, a slice of pizza and a soft drink. Andy crosses out the pizza and soft drink cartoons. The text above drawing says MY SPENDING]


[Anna voiceover: and where most of your money is being spent at the moment]


[On camera: Andy and Anna are in a second-hand clothing store, standing facing each other as they look through a rack of clothes]


[Anna speaks to camera: Once you know where your money is going, there’s lots of different ways to manage and monitor your finances. Some people even set up separate bank accounts. And that’s just the basic stuff. There’s more information on our website]


[On camera: Andy is typing into his phone while Anna looks across the rack of clothes at him]


[Music]


[Anna speaks to Andy: Are you on the website?]


[Andy speaks to Anna while still looking at his phone: No. I’m ordering an Uber]


[Anna speaks to Andy: You literally live around the corner]


[Text on screen: School Leavers' Toolkit logo and school-leavers-toolkit.education.govt.nz]

He aha te pūtea whakahaere?

He mahere te pūtea whakahaere hei ārahi i ō kōwhiringa whakapau hei whakarite kei te pau ō moni ki ngā mea hira e tika ana, kaua te whakapau ohorere noa iho. Me kī he whakaraupapa tika i ngā mea me tino hiahia koe kaua ki ngā mea kei te pīrangi koe ināianei. Ka nui ake te hira o ētahi mea i ētahi, ā, ka penapena koe ki te hoko mai i ērā ā tōna wā, kaua ko te hoko mai ināianei i ngā mea iti ake te hira.

Me pēhea taku waihanga pūtea whakahaere?

Tērā ētahi mea māmā o te tiaki moni. Anei tētahi ara e marohitia ana e mātou.

1) Te whakarite ka haere ō moni ki hea.

Ko te mea tuatahi o te waihanga pūtea whakahaere ko te tino mōhio (me te tuhi) ki ngā mea e whakapaua ai e koe ō moni. Ka taea e koe tēnei mā tētahi pukatuhi me te pene, ki tētahi ripakaute, mā tētahi taupānga whakapaipai, mā tētahi utauta tuihono rānei. Kei a Sorted ētahi whakaaro pai me pēhea tō whaiwhai i ō moni.

Mēnā he pēke pūtea kē tāu, ā, i te whakamahi koe i tētahi kāri moni, ka taea e koe ō moni te whaiwhai haere mā tō pēke. Me noho ka titiro ki ngā marama e toru kua hipa o tō hītori tauwhitinga mai i te taupānga pēke, ō whakaaturanga rānei. Whiriwhirihia ngā mea e toru:

  • Ō moni whiwhi, whiwhinga rānei.
  • Ō hiahia, e hia rānei ka whakapaua e koe ki ngā pire, tae atu ki te reti, pire waea, pire hiko, pūngao hoki, aha atu, aha atu.
  • Ō pīrangi, ō whakapaunga ohorere rānei e ai ki ō pīrangi, mō te ngahau rānei (kākahu, toa kai, whare pikitia, aha atu, aha atu).


2) Whakatauhia ētahi whāinga moni.

He mea nui te whiriwhiri he aha ngā mea e hiahia ana koe hei whakatutuki māu kia taea ai e koe te whakatutuki. Kei roto i ō whāinga ko ngā momo mea katoa, anei ētahi tauira:

  • he waea (hou)
  • he waka
  • hāereere
  • mātauranga, ētahi atu akoranga rānei
  • te utu katoa i ō nama
  • ngā penapena whare.

Nā, kei te kite koe ka roa ake te penapena mō ētahi mea i ētahi atu. He whaitake te wehe i ō whāinga whakapaunga ki ngā wāhanga e toru: Whāinga paetata, (iti iho i te 2 hei whakatutuki), whāinga wawaenga (2-5 tau hei whakatutuki) me ngā whāinga pae tawhiti (neke atu i te rima tau hei whakatutuki). Kia maumahara koe me whāiti ō whāinga ki ngā mea e hiahia ana koe ki te whakatutuki, kaua ā ētahi atu, kei kore e whāia e koe.

Ngā hono whaitake:

3) Te whakarite me haere ō moni ki hea.

Ka ahu mai te panonitanga i te mahi whai ake. Kei te whakapaua ō moni ki ngā mea kāore noa he take ki a koe, ā, kāore i te whai moni koe mō ngā mea he whai take? Me whiriwhiri e koe kei te hiahia koe ki te whakaū i ēnei panonitanga ki hea i roto i ō whakapaunga ka tuhi i tēnei ki taua takotoranga anō pērā i ō whakapaunga onāianei (pukatuhi me te pene, ripakaute, taupānga whakapaipai, utauta tuihono rānei).

Mēnā kei te nui ake tō whakapau ki tērā e whiwhi ana koe, ā, kāore tonu i te ea i a koe ō hiahia katoa, me whakamahi i ngā hono e whai ake nei hei rapu he aha ngā tautoko ā-pūtea e āhei pea koe mai i te kāwanatanga.

Ngā hono whaitake:

4) Whakaaunoatia ō moni.

I muri mai, me wehe ō pūtea pēke mō ētahi o ō hiahia rerekē. He āwhina i a koe kia riro mā ō pūtea pēke kē ō mahi e mahi. He pai kia whai i ngā mea e toru, ka mutu kia utu kore katoa ēnei.

  • Ko tō pūtea pēke mō ō whakapaunga o ia rā ka hono anake ki tō kāri moni. Mō ō whakapaunga ohorere (ko ō 'pīrangi' ēnei).
  • He pūtea mō ō whakapaunga auau kia puta tonu atu mai i konei (ko ō 'hiahia' ēnei).
  • He pūtea pēke penapena mō ētahi atu o ō whāinga. Ka taea e koe te whiwhi i ngā pūtea penapena maha mō ngā whāinga maha.

Nā, me haere atu tō moni whiwhi ki tō pūtea pēke pire, ā, he mea whakatau i runga i tāu i tatau ai e tino whakapaua ana e koe:

  • Whakawhitihia he rahinga (me whai kia 20% mēnā ka taea e koe) ki ō pūtea penapena.
  • Kia rawaka he moni ki tō pūtea pire hei utu i ō pire me ō whakapaunga.
  • Me wehe mai te toenga ki ō whakapaunga ohorere, arā, ngā mea e pīrangi ana koe. Raua atu tēnei rahinga ki tō pūtea pēke mō ō whakapaunga o ia rā ka hono anake ki tō kāri moni.

Ko te mea whakamutunga, me whakarite ō pire me ō utunga hei utunga tōtika, utunga aunoa rānei. Ko te hiahia kia tino aunoa ēnei.

5) Me tirotiro me te whakahaere ki tērā e hiahiatia ana.

Mēnā e whai ana koe kia tino puta tō ihu me tō penapena, me wehe mai he wā i ia wiki, marama rānei ki te whaiwhai i ō whakapaunga me te whakarite kei te whai tonu koe i ō whāinga. Mēnā ka nui rawa tō whakapau ki tētahi wāhi, me whakatika mā te tango pūtea mai i tētahi wāhi.

Mēnā kei te hiahia tohutohu pūtea atu anō koe, ngā utauta, kupu āwhina hoki/rānei, tirohia ngā hono i raro.

Kia maumahara: Kotahi anake tēnei tauira o tētahi mahere tiaki moni. Ko te mea nui ka riro māu kē e whakatau he aha tāu e penapena moni ai, ā, me tiaki i ō moni e ai ki te āhuatanga e tika ai ki a koe.

Ngā hono whaitake:

Me haere ahau ki hea ki te uru ahau ki te raruraru ā-pūtea?

Mēnā kei te uaua ki a koe te whakahaere i ō moni, ā, kei te māharahara koe mō te utu i ō nama, he wāhi kei reira ka taea e koe te haere atu mō ngā āwhina ki te tiaki moni. He waea āwhina koreutu a MoneyTalks e wātea ana ki te tuku tohutohu tiaki moni ki te tangata me te whānau. Mō ngā tohutohu tiaki moni koreutu me te matatapu, waea atu ki a rātau i 0800 345 123, patowaea rānei ki 4029, kōrero tuihono atu rānei ki a rātau.

Ngā Paetukutuku Hira

  • Sorted: He pae pūtea whaiaro a Sorted e whai utauta ana me ngā mōhiohio e hiahiatia ana e koe hei whakahaere i ō nama, te whakamahere me te whai i te mahere pūtea, me te penapena me te haumi, te whakarahi atu i tō KiwiSaver, te whakamahere mō tō ahungarua, te whakamaru i ngā mea hira, me te whai mōkete. Ka tukuna koe e Sorted ki te whakatikatika i ō pūtea me te anga whakamua ā-pūtea.