Making he pūtea ki te whakaora moni

Ingarihi hokiNo Ingarihi

He pūtea ko te tata o te nui moni i koe nga marama, me te te nui te moni e hiahia ana koe ki te utu mo te reti, taputapu, kai, transportation, kakahu, etc. E tauturu te reira feruri koutou i roto i te mea koutou e taea e whakapau i waho rere i roto o te moni. Having a budget also makes it easier to save money.

A budget is an estimate of how much money you have every month and how much money you need to pay for rent, utilities, food, transportation, clothing, etc. It will help you figure out what you can spend without running out of money. Having a budget also makes it easier to save money.

How to save money and budget copyright Harsha KR, CC.
Me pēhea te ki te whakaora moni, photo e Haraha KR, Creative Commons
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

Making a budget means taking control of your money. This is especially important if you are living on a limited income. I roto i te USA, many many people get into trouble with money because they spend more than they earn.

Making a budget means taking control of your money. This is especially important if you are living on a limited income. In the USA, many many people get into trouble with money because they spend more than they earn.

How to make a budget

How to make a budget

Create your budget around your paycheck. Are you paid weekly, every two weeks, or you monthly? Make your budget around your pay periods.

Create your budget around your paycheck. Are you paid weekly, every two weeks, or you monthly? Make your budget around your pay periods.

  • Write down your monthly or weekly income
  • Make a list of monthly or weekly expenses: kai, taputapu, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: rīanga, repair bills, school expenses
  • List how much you need to put aside: for example you will want to save money for emergencies and save up for purchases or for travel
  • Add an amount for entertainment or other things you want to spend on. Just remember it is wise to buy the things you need before the things you want!
  • Write down your monthly or weekly income
  • Make a list of monthly or weekly expenses: food, utilities, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: insurance, repair bills, school expenses
  • List how much you need to put aside: for example you will want to save money for emergencies and save up for purchases or for travel
  • Add an amount for entertainment or other things you want to spend on. Just remember it is wise to buy the things you need before the things you want!

If your income does not cover all your costs, your budget is not balanced. If you cannot increase your income, you will need to cut down on expenses where you can.

If your income does not cover all your costs, your budget is not balanced. If you cannot increase your income, you will need to cut down on expenses where you can.

Save money and keep records

Save money and keep records

If you have some money left over after your expenses are covered, start saving! The best way to save money is by putting it into your savings account. Ka taea e koe te whakamahi i tō penapena ki te whai koe i te whawhati tata. tūtohu tohunga te waihanga koe he pūtea ohorere rite ki te ono marama’ utu i roto i te hui ngaro koe tou mahi ranei kia whara. I muri kua hanga e koe ake he tahua ohotata, ka taea e koe te whakaora moni ki te mahi i te tahi mea fun, rite haere i runga i te tau faafaaearaa ki tou utuafare hoko te tahi mea motuhake ranei.

If you have some money left over after your expenses are covered, start saving! The best way to save money is by putting it into your savings account. You can use your savings if you have an emergency. Experts recommend you create an emergency fund equal to six months’ expenses in the event you lose your job or get injured. After you have built up an emergency fund, then you can save money to do something fun, like go on a vacation with your family or buy something special.

Tirohia mēnā ki te utu katoa o koutou pire i runga i te wā kia kore koe e whai ki te utu i tetahi utu mutunga. Kia mau ki te katoa o koutou rihīti me pūkete o nui pehea whakapau koe tou moni i roto i te pouaka kotahi, kaiutuutu kōnae ranei.

Make sure to pay all of your bills on time so that you do not have to pay any late fees. Keep all of your important receipts and records of how you spend your money in one box, drawer or file.

Credit

Credit

te tikanga nama tipee i te moni i te pēke nama ranei uniana me te aufauraa i te reira hoki i muri. A, no te tarewa koe te moni te whakamahi i nama, ka whai koe ki te utu moni, ranei he utu mo tarahu i te moni.

Credit means borrowing money from the bank or credit union and paying it back later. When you borrow money using credit, you will have to pay interest, or a fee for borrowing the money.

He mea nui ki te utu katoa o koutou pire i runga i te wā kia tiaki koe i tō nama. Ki te hiahia koe ki te hoko i te whare kotahi ra, Me ai koe ki te whakamahi i nama. Ka taea e koe te ako more about credit cards and loans.

It is important to pay all of your bills on time so that you protect your credit. If you want to buy a house one day, you may need to use credit. You can learn more about credit cards and loans.

Ki te whakatau koe ki te tiki i te kāri nama, Me koe ki te kia tino tupato ki te utu i o koutou pire katoa ia marama. Ka taea e kāri nama e āwhina, engari maha atu tenei koutou moni nui rawa, ki te kore koutou e utu ia ratou atu nga marama. Kaua e whakapau moni neke atu i te whai koutou!

If you decide to get a credit card, you need to be very careful to pay your bills entirely each month. Credit cards can be helpful but often charge you very high interest if you do not pay them off every month. Do not spend more money than you have!

tinihanga

Fraud

Kia tupato, ka e hoatu koe te moni ki te iwi e kore koutou e mohio, rawa, ki te e te aufauraa i koe ki te moni. He pai ki te tiki i te pūkete arowhai i te pareparenga nama ranei uniana kia e taea e koe te utu i te haki me te ka whai tohu o te aufauraa i to koutou pire koe. Ki te whai koe ki te utu moni, ui nga wa katoa mo te rihīti kia whai tohu o utu koutou.

Be careful when you are giving money to people you do not know, especially if you are paying with cash. It is better to get a checking account at a bank or credit union so that you can pay by check and then you have proof of paying your bills. If you have to pay cash, always ask for a receipt so that you have proof of payment.

He etahi pāme (tinihanga ki te tinihanga te iwi) e iwi ūnga e e hou ki tenei whenua, me te kore e pai ano korero Ingarihi. Ki te whiwhi koe i mēra īmēra ranei e ta hiahia ana koe ki te utu i te rota o te moni ranei e riro koe i te rota o te moni, kia waiho ai hei scam rūpahu ranei. Tirohia ki te tari pou, tou tūao / kaiakopono, ranei te hoa whakawhirinaki hoa ranei, ki te kore koe e mōhio.

There are some scams (tricks to cheat people) that target people who are new to this country and do not speak English well yet. If you get mail or email that says you need to pay a lot of money or that you won a lot of money, it might be a scam or fake. Check with the post office, your volunteer/mentor, or a trusted friend or neighbor if you are unsure.

Ki te kei te whakaaro koe hoko haumi i roto i ranei, te aufauraa i ranei mo te tahi mea, Ko reira manakohia ki te ui mo te whakaaetanga i roto i te tuhituhi, ranei ki te mea e hiahia ana koe ki te kōrero ki tō hoa faaipoipo whakaaro e pā ana ki te tuku ranei. Kaua e ongo'i 'oku ki te utu i te nui o te moni, kahore tuhinga wā ki te ui mo te tohutohu ranei.

If you are considering buying or investing in, or paying for something, it is acceptable to ask for agreement in writing, or to say you need to talk to your spouse or think about the offer. Do not feel pressured to pay a large amount of money without documentation or time to ask for advice.

takoha

Taxes

I roto i te USA, hiahiatia katoa e ki penei e April 15 every year how much income they received in the year before. huaina e pūrongo ko te hoki tāke. You may owe taxes on that income. He moni e utu koe i te kāwanatanga mō te ratonga tūmatanui riro koutou takoha, rite kura mō a koutou tamariki, me rori ki te pei i. Ka taea e koe te ako more about taxes and how to pay taxes. Runga anō i te nui o te moni koutou hanga, Heoi, kia riro koe i te moni (te moni hoki i te kāwanatanga) i runga i tāke utua kē koe i roto i te tau.

In the USA, everyone is required to report by April 15 every year how much income they received in the year before. That report is called a tax return. You may owe taxes on that income. Taxes are money that you pay the government for the public services you receive, like school for your children and roads to drive on. You can learn more about taxes and how to pay taxes. Depending on how much money you make, however, you might receive a refund (money back from the government) on tax you already paid during the year.

A, no te riro koe i te vahé, Ka etahi moni kia tangohia atu o o reira ki te taupoki ana etahi takoha. Your employer will keep some money from your paycheck to give to the government on your behalf. This called withholding taxes. This includes state and federal taxes, unemployment insurance and social security, i te mea penapena hoki tūranga hauātanga ranei.

When you receive a paycheck, some money will be taken out of of it to cover certain taxes. Your employer will keep some money from your paycheck to give to the government on your behalf. This called withholding taxes. This includes state and federal taxes, unemployment insurance and social security, which is savings for retirement or disability.

Sample Paycheck from the Wells Fargo "Hands on Banking" hōtaka.
This is a sample paycheck from the Wells Fargo “Ringa i runga i Banking” hōtaka.
Sample Paycheck from the Wells Fargo "Hands on Banking" program.
This is a sample paycheck from the Wells Fargo “Hands on Banking” program.

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