1. Te tīmata
Whakaarohia ō whāinga wā roa me te whakarite i tō mahere penapena me tō tahua.
Me tīmata mā te whakaaroaro he pēhea te āhua o te whai kāinga mōu. Kua eke ki te wā kia whakaritea he mahere penapena me te tahua.
Mā te whakaaroaro mō ō whāinga wā roa ka āwhina pea i a koe kia mārama ai ki ngā mea me whiwhi koe i roto i te kāinga.
Anei ētahi pātai hira hei āwhina i a koe kia tīmata:
- Ki tōu wawata, kei hea koe hei te 5, 10 tau rānei?
- Kei te kimi koe i tō kāinga tuatahi, tō kāinga tūturu rānei?
- Ko hea te wāhi e hiahia ana koe ki te noho – he tata ki te tāone, ki tētahi wāhi ake rānei?
- Ka mahi koe ki hea – me noho pātata atu?
- Mēnā he tamariki āu, koinā tō hiahia rānei ā tōna wā, he aha ngā rohe rēhita kura me whakaaroaro e koe?
- Ka noho ētahi atu o te whānau i tō taha? He aha ō rātou hiahia?
- Kei te hoko mōu anō, kei te hoko rānei me te whānau rānei? Mēnā kei te hoko i te taha o ētahi atu, kei te pakari rātou i te taha pūtea mō te hoko kāinga me koe?
- Me noho pātata ki tō marae me tō hapū? He huarahi anō te whakatū whare ki runga whenua Māori?
- E hia te nui o tō moni whiwhi ka taea e koe mō ngā utunga mōkete?
- He whakapaunga nui āu e heke mai ana me whakariterite e koe?
Mai i konei, ka taea e koe te hanga tahua me te whakatau rārangi wā.
He mea nui kia whai i tētahi tino tahua me tētahi whāinga penapena mārama ina hoko kāinga – mō te nuinga o tātou, koinei te hokotanga nui rawa o ō tātou ao.
Te whakarite i ō pūtea, te whakarite i tētahi mahere penapena me te tino ū ki ērā te mea hira.
He wāhi tino rawe a Sorted.org.nz(external link) hei tīmata mō ngā tohutohu penapena pūtea, ngā tātaitai me ngā aratohu koreutu. Ka kitea anō e koe ngā utauta hei āwhina ki te whakahaere nama me te whakatakoto i ō whāinga moni – mai i te wā poto ki te wā pūmau.
Mā te tātaitai mōkete Sorted, ka mārama koe e hia pea te nui o ō utu pūtea taurewa me ngā utunga huamoni.
He maha hoki ngā taupānga pūkoro pēke he tuku ratonga whakahaere moni me te penapena. Mēnā kei te whakamahi kē koe i te taupānga a tō pēke, me tiro he aha kei te wātea, me kōrero ki a rātou kia kitea ai me pēhea tā rātou āwhina.
Āwhina - te rapu tohutohu pūtea
Whakarato ai a MoneyTalks i ngā tohutohu penapena pūtea koreutu me te matatapu mā te waea, patowaea, īmēra, kōrerorero tuihono rānei. Ka taea hoki e rātou koe te tūhono ki ngā ratonga whakaako pūtea o te rohe me ngā whakahaere mō ētahi tautoko atu anō. Haere ki www.moneytalks.co.nz(external link) mō ētahi atu mōhiohio.
Āwhina - ngā awheawhe koreutu mā te Māori
I te mōhio anō koe he awheawhe koreutu kei reira hei āwhina i a koutou ko tō whānau ki te hanga mahere kia taea ai ō koutou whāinga whai whare? He mea hanga e Te Puni Kōkiri me te Commission for Financial Capability, te kaupapa Sorted Kāinga Ora* nā te Māori, mā te Māori. E waru ngā awheawhe ā-wiki poto, he tautoko hei hanga mahere me te whakatinana, he mea hanga te kaupapa kia whiwhi pūkenga ai te Māori me ngā tautoko kia eke i a rātou ō rātou whāinga whai whare. Mō ētahi atu mōhiohio mō Sorted Kāinga Ora(external link).
* Ahakoa he ōrite te ingoa, kāore i te whakahaerehia, kāore rānei he pānga o te kaupapa Sorted Kāinga Ora, ki ngā mahi a Kāinga Ora, a Sorted.org.nz rānei.
I a koe ka mahi i tō mahere penapena pūtea, me whiwhi tahua koe mō ngā utu kotahi noa iho pērā i ēnei:
- ngā utu rōia, mātanga whakawhiti rawa
- ngā tirotirotanga me ngā pūrongo whare
- ngā pūrongo LIM, ngā kōnae kaunihera me te papanoho
- he wāriutanga papanoho
- ngā utu neke
- ngā penapena mō ngā utu ohorere.
I a koe ka noho ki tō kāinga hou, kei reira ngā utu haere tonu pērā i ēnei:
- ngā utunga pūtea taurewa
- inihua mō tō kāinga me ngā mea i roto
- ngā reiti (ngā utu mō ngā ratonga kaunihera)
- ngā ratonga tūmatanui pērā i te wai, te hiko me te ipurangi
- te tautuku me ngā whakapaipaitanga
- ngā utu rangatōpū o te whaitua noho (mēnā kei waenga tō kāinga i ētahi atu kāinga, pērā i te whaitua noho, whare noho ā-tāone).
Ka taea e tētahi rōpū pai te whakatipu i tō ngākau titikaha me te whakamāmā i ngā mahi uaua o te hoko whare. Ka tipu haere tō rōpū i a koe ka whai haere i tēnei aratohu, engari koinei te hunga me kōrero atu pea koe i tēnei wāhanga.
Ngā pēke me ngā kaituku - Ka taea e tō pēke te kōrero ki a koe mō ngā kōwhiringa rerekē mō ngā kaute penapena. Ka taea hoki e rātou te tuku tohutohu ki a koe mō ngā āhuatanga e pai ake ai pea tō whiwhi i tētahi pūtea taurewa. He pai hoki pea te kōrero ki ētahi atu kaituku mō ngā tautoko rerekē ka taea pea e ratou.
Kaitakawaenga mōkete - Mā ngā kaitakawaenga mōkete e āwhina i a koe ki te kimi i ngā pēke me ngā kaitakawaenga mōkete pai rawa mō tōu āhuatanga. Ka whakaaturia e rātou te tirohanga whānui o tō tūnga pūtea me te whakariterite mōu me ngā pēke me ngā kaituku. Ka utua ngā kaitakawaenga mōkete e ngā pēke ka whakaae ki tō pūtea taurewa. Kāore he utu ki a koe, ahakoa kāore koe e whiwhi te pūtea taurewa.
Te whānau me ō hoa - Ka taea pea e te whānau me ō hoa koe te āwhina puta noa i tō huarahi ki te hoko whare mōu mā ngā tautoko pūtea, te tuku whakaaro, te tautoko i a koe i roto i te hoko whare me te whakanui i tō hoko i tō whare hou.
Iwi - Mēnā kua rēhita ki tō iwi, tō hapū rānei, kei reira pea ētahi tautoko māu mō te hoko whare mā ngā āwhina mātauranga, takuhe, pūtea tautoko, penapena pūtea hoki. E whakahau ana mātou kia whakapā atu koe mō ētahi mōhiohio anō. Mēnā kāore koe i te tino mōhio ki tō whakapapa, rangahautia te hītori o tō whānau ki konei.(external link)
Āwhina – Whiwhi āwhina i roto i tōu ake reo
Mēnā ehara ko te reo Ingarihi tōu ake reo, ka āhei atu pea koe ki ngā āwhina whakamāori reo koreutu mā Ngā Pou Whakawhirinaki o Aotearoa. Ka kitea te tari o tō rohe i CAB.org.nz(external link).
Anei ētahi hono paetukutuku whaikiko hei āwhina i a koe me te mahi "Te tīmata".
- Rārangi arowhai – Te Tīmata [PDF, 148 KB]
- Ngā Pou Whakawhirinaki o Aotearoa(external link)
- MoneyTalks(external link)
- Te Kāhui Māngai(external link) – Rārangi arowhai o ngā whakahaere iwi me te Māori
- Te Puni Kōkiri(external link)
Ngā rauemi a Sorted:
- Sorted.org.nz(external link)
- Utauta tiaki moni(external link)
- Kaiwhakarite whāinga(external link)
- Me pēhea te penapena i ō moni(external link)
- Tātaitai mōkete(external link)
- Tātaitai pūtea penapena(external link)
Ngā rauemi a FMA:
Kua whakahoungia te whārangi: 15 Hōngongoi 2026