15 Ngā Huarahi Mātanga mō te Penapena Moni hei Tokorua

Porohia te aroha

He tino māmā rawa te whakaaro o ngā tāne me ngā wāhine hou kua marena ki ngā penapena, me te whakaaro tonu kāore anō kia tae ki te wā tika ki te penapena. E hiahia ana rātou ki te whakapau moni ki tō rātou oranga aroha kua whakapumautia, ā, kāore e maha ngā wā e whakaaro rua ana ki te whakarite i tētahi hararei mutunga wiki, ki te hoko rānei i tētahi mīhini horoi rihi hou. Engari ko te pono, ki te nui ake tō whakaroa i ō penapena, ka nui ake te tūponotanga kāore e taea e koe te penapena mō tō heke mai.

He mea nui te penapena mō ngā tāne me ngā wāhine taitamariki e whai hononga ana, ngā tāne me ngā wāhine hou, nā te mea kāore i te wawe rawa te tīmatanga ki te penapena moni. E kiia ana ka taea te whakatutuki i ō whāinga penapena ina kei roto koe i ō tau 20 me 30. Nō reira, he mea tika kia tīmata wawe te penapena, ā, kia mōhio ai koe ki te huarahi tika mō te whakahaere pūtea a te tokorua.

He rerekē rawa te penapena moni mā te tokorua i te penapena i te wā e takakau ana kōrua. He maha ngā mahi o te whare me ngā hua hei hoko kāore anō kia mōhiotia e koe. He taurite tonu i waenga i te mahi i tētahi mahi māu ake, me te penapena moni, te utu rānei i tētahi tangata hei mahi. Ko ēnei whakatau koretake e mahia ana e tātou i a tātou e tamariki ana, ka pā nui ki ō tātou pūtea o te ao.

Nō reira, ki te mea he hoa hou koe, he hoa noho tahi rānei, ā, e hiahia ana koe ki te whakamārama i ngā huarahi hei penapena moni mā te tokorua, kua tae mai koe ki te wāhi tika. He maha ngā tohutohu tahua hei maumahara mā te tokorua i a rātou e whakamahere ana i ā rātou whakapaunga ā-marama, ā-hauwhā rānei mō te whare. Kua whakangāwarihia e mātou ētahi o aua tohutohu hei whakaaroaro māu i a koe e hanga ana i te tahua ā-marama e whai ake nei!

15 Ngā Tohutohu mō te Penapena Moni hei Tokorua

Ripanga o Ihirangi

Kāore e kore ka pakaru te marena i te tīmatanga o te korenga o ngā pūkenga whakahaere moni. Ko ētahi whanaungatanga ka pakaru noa iho nā te mea ngā raruraru moni me te marenaTērā pea ka whakaaro koe he wero nui te whakahaere i tāu ake moni, whakaarohia te whakauru i ngā whiwhinga me ngā pire a tō hoa. He uaua te whakahaere pūtea hei tokorua nā te mea kāore kōrua e hiahia kia āhua kaiponu engari kāore hoki koe e hiahia kia tino mangere ki tāu moni.

Engari ka taea katoa te whakahaere i tēnā. Mā te whakamahere tika, te whakapau kaha me te whakapau kaha ki te penapena, ka taea e koe te whakatika i ō pūtea i roto i te wā poto. Ka tīmata mā te whakamahi i ētahi whakaaro tahua māmā, ka hoatu e mātou ki a koe ngā tohutohu 15 mō te penapena moni hei tokorua:

1. Whakatauhia te nui o te moni hei penapena mā te tokorua

He mea tino nui te whakatakoto i ngā whāinga tūturu ina tae mai ki te penapena moni. Hangaia he rārangi o ngā whāinga e hiahia ana kōrua kia tutuki hei tokorua ā muri ake nei. Whakaarohia ngā mea pēnei i te "Me whānau he pēpi māku?", te mātauranga o ngā tamariki, ngā hararei whānau, te reti, me ētahi atu, ā, hangaia te rārangi kia rite ki te hiranga. Kia tino utua ō nama mā te penapena. Ko te mea pai ko te tuatahi o ngā mea o tō rārangi. Tērā pea he mea noa iho i te tīmatanga, engari ki te tika tāu mahi, ka penapena koe i te nui o te moni me te ahotea ā muri ake nei."

Arotakehia ō whāinga i ia wā. Aromatawaihia mēnā ka taea te whakatutuki i te whāinga kua whakatakotoria e kōrua māu ko tō hoa. Me whakarerekē mēnā e tika ana. Koinei te tīmatanga o te mahi a te tukanga whakamahere whai hua, ā, koinei te tīmatanga o te whakahaere pūtea a te tokorua.

2. Me pēhea te penapena moni hei tokorua? Kia arotahi ki te hototahitanga pūtea

Me whai whakaaro ngā hoa tokorua ki te whakamahere pūtea pai hei tokorua. Me whai whakaaro ki ngā matea me ngā wawata o te tokorua kia tutuki ai te hototahitanga pūtea. Mā te whakamahere pōrearea ka pā kino te rangimarie o tō kōrua whanaungatanga ā muri ake nei.

Ko te penapena moni hei tokorua, ko te whakaute i ngā hiahia o tētahi ki tētahi, me te whakarite wāhi mō aua hiahia i roto i te tahua. Ko te mārama ki ngā tikanga hokohoko a tētahi ki tētahi, ki ngā whakapaunga whaiaro me ngā whakatau momo noho, he wāhanga katoa ēnei o ngā tohutohu tahua mō ngā tokorua. Tērā pea te āhua nei he hiahia ōu hoa, ā, he hiahia anō hoki ōu hoa, engari kaua kōrua e akiaki rawa tetahi i tetahi.

3. Te wehewehe i waenga i ngā hiahia me ngā mea e hiahiatia ana

Me pātai tonu koe ki a koe anō mēnā kei te hiahia koe ki tētahi mea, kei te hiahia rānei koe ki taua mea. He hiahia nui tō ētahi ki ngā kākahu, ki ngā taputapu, ki ngā whakapaipai rānei, ā, ka mutu, ka hokona e rātou he maha ngā mea kāore e hiahiatia ana e rātou. He maha ngā wā ka mauheretia ētahi ki ngā hokohoko e ātaahua ana te āhua engari kāore e tika ana te moni.

He māmā ake te whakahaere moni mā ngā tāne me ngā wāhine ina taea e kōrua te whakatau tahi i ngā mea e hiahiatia ana e kōrua. Ahakoa kāore pea kōrua e whakaae tahi i ngā wā katoa, he pai ki te kimi i tētahi huarahi waenga, kātahi ka waiho te moni hei utu mō tēnā hei karo i ngā tautohe a muri ake nei mō taua mea anō.

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4. Ngā tohutohu tahua mō ngā tāne me ngā wāhine – Mahia ngā mea ngahau i roto i te whare

Kaua e kai pinepine i waho. He iti noa te utu mō taua wā, engari i te roanga o te wā, ka nui pea te wāhanga o ō pire. Ko te nuinga o ngā tāne me ngā wāhine, inā koa ngā tāne me ngā wāhine taitamariki kua marenatia, ka haere ki waho ki te kai i ngā wharekai papai hei whakanui i ngā tohu iti o te whanaungatanga, hei whakarite rānei i ngā pō whakaipoipo aroha. He pai ake te noho ki te kāinga me te tunu kai. Ka taea e koe te mahi i tēnei. tunu tahi ā, kia pai te noho tahi me tetahi. Me kai i tētahi tina aroha i te kāinga i a koe e mātaki ana i tētahi kiriata e pai ana ki a koe.

Kāore e hiahiatia kia noho he tina rama i te aroaro o ngā kaimahi rima-ono e mahi ana i āu rihi. I ētahi wā, ka puta te aroha i roto i ngā āhuatanga māmā noa iho me te iti, te kore rānei o te moni e pau. Ki te auaha tātou, ka nui ake te whakaaro nui ki te whakahaere i ā tātou moni, ā, kāore e manukanuka ki te whakapau moni koretake.

5. Haere ki te rohe, kaua e whai waitohu

Mā te hoko i ngā taonga hanga ā-rohe, kaua i ngā hua waitohu utu nui, ka taea te penapena moni nui. Kia maumahara, i a koe e ngana ana ki te whai rawa, tera pea ka pau katoa ō taonga. He iti ake te utu o ngā hua ā-rohe, ā, he pai te utu.

Kāore he aha mena kāore koe e hoko i te whitiki Gucci, i te putea Dior rānei mō tētahi wā. Kāore he tangata i waho e mōhio ana ki ngā uauatanga e pā ana ki a kōrua i a kōrua e rangatahi ana. He aha koe ka whakapau ai i tō tahua mō tētahi tangata kāore koe i te tino mōhio? Ko te whakahaere pūtea hei tokorua he whakaiti i te utu engari me whakawhetai tonu mō ngā mea kei a kōrua.

6. Te whakaheke

Mena kei roto kōrua i tētahi noho-i roto i te hononga, kāti kāore he take ki te noho i roto i tētahi whare nui me te wāhi, me ngā rūma kāore e hiahiatia. He nui ake te utu tiaki mō tētahi whare nui. Ka iti ake te utu reti mō tētahi whare iti. He whakaaro pai hoki ngā whare iti, nā te mea ka whakarite ngā kaihanga i tō whare kia rite ki ō hiahia. Ka taea e koe te tiaki ngāwari i tētahi whare iti, ā, he ātaahua, he mahana hoki te āhua.

Mena kei te hiahia koe ki te whānau tamariki ā muri ake nei, he mea tika te neke ki tētahi whare nui ake i tērā wā. Heoi, ki te pau katoa ō moni i nāianei, me neke pea koe ki tētahi whare iti ake me te whānau nui ake. I ētahi wā, ehara i te mea mā kōrua anake te penapena moni, engari mā ngā whānau kei te heke mai hoki.

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7. Te aroturuki i ō pire – Te whakahaere moni mō ngā tāne me ngā wāhine

Whakawāteahia he wā i ia marama ki te tirotiro tika i ō pire. Mā te aroturuki i ngā pire me ngā whakapaunga i ia wā ka āwhina i a koe ki te aroturuki i ō whakapaunga. Kia maumahara, whakapaua te moni ki ngā mea e tino hiahiatia ana e koe. Hei tāpiri atu ki tēnei, ka taea e koe te whakanui ake i ō penapena mā te whakarerekē i te āhua noho, pērā i te whiriwhiri i ngā mahere whānau mō ngā waea pūkoro, e tuku ana i ngā utu pai ake. Mā te nui ake o tō tirohanga me tō mārama ki te āhua o tō whakapaunga, ka pai ake tō whakahaere i te moni ā muri ake nei.

8. Me pēhea te penapena moni mā te tokorua? Kia tūpato ki ngā hokonga

Ka taea e koe te penapena nui i ngā wā hokohoko whakanui, ā-wā rānei. He maha ngā tuku whakamīharo a ngā toa hei whakatutuki i tō tahua ina hoko ana koe. Tino Kirihimete me ērā atu mea, he whakapaunga kāore e taea te karo. He pai te hoko nui i tēnei wā. I taua wā anō, kaua e nui rawa te hoko. Hangaia he rārangi o ngā mea me hoko e koe, ā, kia mau tonu ki taua rārangi.

Mā te rārangi whakamua ka taea e koe te whakamahere i mua i ngā mea e hiahiatia ana e koe ā muri ake nei. Hei tauira, ko ngā hokonga Kirihimete te wā pai rawa atu ki te hoko koha Kirihimete, me te haumi iti ki ngā whakapaipai Kirihimete hoki. Whakamaherehia marietia, ā, whakaarohia koinei tētahi o ngā whakaaro tahua pai rawa atu mō ngā tāne me ngā wāhine.

9. Whakakorea ngā ohaurunga kore e hiahiatia

He hoa tōku, he kāri whare takaro tinana tāna, kāore anō kia whakamahia e ia i roto i ngā tau. Ka tangohia te utu ohaurunga mai i tana pūkete i ia marama. Kei te utu ia mō tētahi mea kāore anō ia kia whakaaro ki te whakamātau. Kaua e rite ki taku hoa. Kia pai ake koe i tērā, kia mārama hoki ki te penapena moni hei tokorua. Ngāna kia karo i ngā ohaurunga koretake pērā i ngā whare takaro tinana, ngā pouaka ataahua, ngā maheni, ngā puka hautaka, me ētahi atu mēnā ehara koe i te kaiwhakamahi auau i aua mea.

10. Me pēhea te penapena moni hei tokorua? Neke tahi ki te noho tahi

Koinei pea tāu e tino pai ana mō ngā tohutohu tahua mō ngā tāne me ngā wāhine. Mena he tāne me ngā wāhine taitamariki kōrua e noho motuhake ana, ehara i te mea kino te neke tahi. He nui ngā mea ka taea e kōrua te penapena i te reti, i ngā ratonga me ngā kai. Ka taea e kōrua te whakakotahi i ō kōrua pūtea me te tohatoha i te kawenga.

Hei tāpiri, ka nui ake ngā whai wāhitanga māu ki te rapu tohutohu pūtea me te kōrero tahi mō te pūtea. Engari, mēnā kua rite koe mō taua momo whakapau kaha, ā, kei roto koe i tētahi whanaungatanga ponoKaua e tono kia neke mai ia ki a koe nā te mea e hiahia ana koe ki te penapena i te pire hiko, engari kāore koe i te aroha ki a ia.

11. Kaua e whakamahi i ngā kāri nama

Mā te whai kāri nama ka nui ake tō whakapau moni. Kia mahara ki te mea i tupu ki te kōtiro i roto i te kiriata Confessions of a Shopaholic? Mā te whakaaro ki te whai nama poto ka taea e koe te whakawai i a koe ki te whakapau moni nui atu i tō moni whiwhi noa. He nui ake ngā tūponotanga ka mutu koe ki te nama mā te whakamahi i ngā kāri nama. Kaua e wareware ki ngā reiti huamoni teitei e utua ana ki a rātou. Whakamahia he moni, he kāri nama rānei hei utu mō te whakahaere moni whai hua mō ngā tāne me ngā wāhine.

12. Ngā tohutohu tahua mō ngā tāne me ngā wāhine – Haere ki ngā hararei iti te utu

Haere ki ngā hararei iti te utu. Ehara tēnei i te kī me whakarērea e koe tō rārangi hiahia. Whakamahia pai ngā tīkitipati haere me ngā tuku, ā, ka taea tonu e koe te whiriwhiri i te wahi hararei paiRapua ngā mōkihi pai rawa atu e rite ana ki tō tahua. He wāhi kei reira ka whiwhi koe i ngā utu whakaheke motuhake mō ngā takirua. Pukahia he motel iti te utu, kaua ki ngā hōtēra utu nui, nā te mea kāore koe e noho roa ki roto.

He kōwhiringa pai hoki ngā kāinga noho, nā te mea ka taea e koe te kai i ngā kai o te rohe, me te kite i ngā ahurea o te rohe. Kāore i te uaua te whakahaere moni a te tokorua. He torutoru noa ngā mahi māmā me mahi e koe i ia rā.

13 Te haumi

Mā te pupuri i ō penapena ki ngā haumitanga roa ka hiritia te whakaaetanga. Kāore koe e whakamatautauria ki te whakapau i ō penapena. I taua wā anō, mā te haumi haumaru ka āwhina koe ki te whiwhi i te nui o te huamoni mai i aua haumitanga. Ka taea hoki e koe te whakaaro ki ētahi atu taputapu pūtea pēnei i te haumi ki ngā moni tāpui pumau, ngā hea kamupene me ētahi atu. Ki ahau nei, he rite tonu tēnā ki te mea ngā whāinga whanaungatanga moni kua oti.

Ehara i te mea he moumou moni te whakapau moni ki te utu i tētahi kaitohutohu pūtea. Tērā pea ka āwhina tēnei whakatau i a kōrua ki te penapena moni hei tokorua, ā, ka nui ake hoki ō kōrua kawenga ā muri ake nei.

14. Te whakatakoto rohe

Ko te whakatakoto tahua ā-wiki, ā-marama rānei tētahi o ngā rautaki penapena tino whai hua. Ka taea e koe te noho hei kaiwhakamahere tahua māu ake. Mā ngā tahua ka āwhina koe ki te whakaiti i ō whakapaunga, ā, i te wā kotahi, ka āwhina koe ki te arotahi ki ō kaupapa matua pūtea. Ka taea e koe te tātari hohonu i ō moni whiwhi me ō whakapaunga, me te whakatakoto i tō tahua kia rite. Mā te tahua ka āwhina tonu koe ki te mārama ki te rerekētanga mai i ō whakapaunga paerewa ki ō whakapaunga tuturu i roto i tētahi marama, i tētahi tau rānei.

15. Ngā whakaaro tahua mō ngā tāne me ngā wāhine – Te whakatuwhera i tētahi pūkete tahi

He āwhina pea te whakatuwhera i tētahi pūkete tahi māu me tō hoa rangatira ki te utu i ngā pire me ngā ratonga. Mā tēnei ka māmā ake te wehewehe i ngā whakapaunga. Heoi anō, ka taea e ngā mea e rua te koha i tētahi moni pumau kia tohaina ai te kawenga. Ko ētahi atu tikanga pēnei i te hoko taonga mai i ngā hokonga kāinga, i ngā mākete puruhi rānei, te hoko taonga koretake mō te moni, ka taea hoki te āwhina i ō penapena. He mea e pai ake ana te reti taonga e ngā taiohi, e piki haere ana.

Kia maumahara, ko te penapena moni ehara i te mea me whakaiti i ngā mea katoa. Ko tōna tikanga he whakapau moni atamai, he whakahaere pai ake hoki i ō pūtea. Mā te penapena koe e whakatata atu ki ō moemoeā mō te wā roa. E ai ki tā Warren Buffet, "Kaua e penapena i te toenga i muri i te whakapaunga. Whakapaua te toenga i muri i te penapena".

Mena ko tāu pātai, "me pēhea te penapena moni mā te tokorua", ko te tumanako kua whakautua pai. Tīmatahia te whakamahere, ahakoa he uaua i te tīmatanga, ka māmā ake te penapena me te whakamahere i a koe e haere tonu ana. Ko ngā āhuatanga ohorere, ngā huihuinga motuhake rānei ka tiakina tonutia me te moni tāpiri i penapenahia e koe!

FAQs

1. E hia te moni hei penapena mā kōrua ko te tokorua?

Kei te āhua o tō whānau me tō tau hoki tēnei. Mena he tokorua taitamariki kua marenatia, kāore he tamariki, ka piki ake ō pūtea ā muri ake nei, ā, ka nui ake tō kaha ki te mōrearea. Me penapena koe i te nui o te moni ka taea e koe, me te haumi ki ngā tono mōrearea nui kia nui ake ai ngā hua. Me penapena kia rima tekau ōrau o ō moni whiwhi, i te iti rawa.

2. E hia te moni kua penapenahia e te tokorua kua marenatia i te 30 tau?

He mea whakawhirinaki tēnei ki ngā hiahia me te paerewa oranga o te whānau. Heoi, ki te mea kua neke atu i te whā, i te rima rānei tau o kōrua ko tō hoa rangatira i roto i tētahi hononga marena, ā, kua tata koe ki te 30 tau te pakeke, me nui āu moni hei hoko i tō ake whare. Ki te mea he tamariki āu, me whakarite hoki ā rātou pūtea mō te kāreti me te mātauranga. Me whakahou anō hoki ō utu inihua hauora me te hauora.

3. Me pēhea taku penapena moni me te kore e mōhiotia e taku tāne?

Ahakoa e tohutohu ana mātou kia mārama ki tō hoa rangatira mō te penapena moni, e mārama ana mātou ki te hiahia kia mahi tūmataiti hoki. Mena he moni kua whiwhi koe, ka taea e tō kaiwhakahaere peeke te āwhina i a koe ki te huri i ētahi o te moni e tukuna ana ki tētahi atu pūkete me te kore e mōhiotia e tō hoa rangatira. Ka taea hoki e koe te tīmata mā te penapena moni ki te kāinga me te pupuri haumaru i ngā wāhi rerekē.

12 Ngā Tohutohu mō ngā Tāne me ngā Wahine Marena ki te Wehewehe i ngā Pūtea

Me pēhea te whakakino a ngā take moni i tō whanaungatanga

Kāore tō koha e kiia he kaupapa aroha takohaMā tēnei ka taea e Bonobology te kawe mai i ngā mōhiotanga hou me ngā mōhiotanga hou ki a koe i roto i tā mātou whainga ki te āwhina i te tangata katoa o te ao ki te ako me pēhea te mahi i tetahi mea.