He rerekē te wheako o tēnā, o tēnā e pā ana ki te tono moni, engari kei reira anō ētahi mea ka pā ki ngā kaitono katoa ina tiki moni taurewa ana. Kei raro he kupu āwhina, mōhiohio hira hoki kia mōhio ai koe.
Mō tētahi tirohanga whānui o ō motika ina tono moni ana, te hoko rawa rānei mā te noho nama, me pānui i ā mātau tohutohu. Mō ētahi atu mōhiohio āmiki, tirohia te hono i te mutunga o ia wāhanga.
I mua i te kōwhiri i tētahi moni taurewa
Me rangahau koe me te tirotiro haere
Kei a koe ngā kōwhiringa, me tirotiro haere koe. Ahakoa i runga ipurangi, i rō toa rānei, me whakawātea tūmatanui mai ngā kaituku moni taurewa i ā rātau utu itarete, utu ratonga, me ngā ture kirimana arowhānui hei āwhina i a koe ki te whakatau i runga i te mōhio.
Ina hoko rawa ana koe kei pōhēhē me tango e koe te moni taurewa mai i te tangata e hoko ana i aua rawa ki a koe. Hei tauira, mēnā kei te hoko waka koe, ehara i te mea me tango koe i tō moni taurewa mai i taua pakihi hoko waka. Ehara i te mea koinā te mea pai rawa mōu.
Tirohia ‘He aha ngā mea me mōhio ahau?’ mō ētahi atu taipitopito.
Me whakarite koe kei te tika te moni taurewa ki a koe
He mea nui ka taea e koe tō moni taurewa te utu, ka mutu kei te tika mō ō āhuatanga. Pānuitia ngā ture me ngā here o te kirimana ka tuku pātai.
Me whaitake ngā uiui a tō kaituku moni kia tau ki a ia ka taea e koe tō moni taurewa te utu me te kore e pā mai o ngā uauatanga, ā, kei te ū te moni taurewa ki ō whakaritenga me ō whāinga.
Tirohia ‘Ngā mea hei tūmanako māu mai i tō kaituku moni?’ mō ētahi atu taipitopito.
Pānuitia ngā mōhiohio matua ka tukuna e te kaituku moni
Me mātua tuku e tō kaituku moni ngā mōhiohio matua mō tō utu rēti, tae atu ki ngā utu itarete, ngā utu ratonga, me ngā taonga ka whakaurua hei taituarā i mua i tō waitohu i tetahi kirimana – kia kore ai e mau ohorere. Me mātua pānui e koe ēnei mōhiohio me te mōhio ki tōna tikanga. Mēnā he pātai āu mō te tikanga ake me pātai atu koe ki tō kaituku moni, me tiki tohutohu motuhake pea.
Tirohia ‘He aha ngā utu tāpiri me utu ahau?’ mō ētahi atu taipitopito.
I muri i tō tiki moni taurewa
Me hohoro koe mēnā ka huri ō whakaaro
Ki te huri ō whakaaro i muri i te waitohu mō tētahi moni taurewa, e 5 rā mahi anake te roa ki a koe ki te whakakore, nō reira kia hohoro, ka mutu me tuhi atu koe ki te kaituku moni ka whakamōhio atu kei te hiahia koe ki te whakakore.
Me mōhio anō koe me utu anō pea e koe tētahi utu whakakore. Me te aha, mēnā i hokona mai e koe he rawa mā te noho nama, kāore pea e taea e koe te whakahoki atu.
Tirohia ‘Ka taea e au te wehe mai i tētahi kirimana?’ mō ētahi atu taipitopito.
Me noho mōhio
Me whakarite koe kei te mōhio koe e hia te rahinga hei utu, ā, āhea.
Me whakamōhio haere te kaituku moni ki a koe e pēhea ana tō moni taurewa, otirā mā ngā pūrongo auau, i te 6 marama i te iti rawa, ā, i ia 45 rā mō te pūtea kōtiri, mā te tuku kia uru tuihono atu koe ki ō mōhiohio pūkete.
Tirohia ‘He aha ngā mea me mōhio ahau?’ mō ētahi atu taipitopito.
Me aha ki te uaua ō utunga
Me wawe tonu tō kōrero ki tō kaituku moni
Ki te tūpono pā he āhuatanga (hei tauira, he māuiui, ka wehe kōrua ko tō hoa tētahi i tētahi, ka kore whai mahi rānei) e whai pānga ana ki tō kaha ki tō utu i tō moni taurewa, ka taea pea e koe te tuku tētahi tono pōhara. Ki te whakaaehia, ka taea e tō kaituku moni ngā whakaritenga o te moni taurewa te huri.
Ka taea anō e koe te rapa tohutohu penapena mai i ngā tari hapori pērā i te Citizen’s Advice Bureau, i te Federation of Family Budgeting Services rānei.
Tirohia ‘Ka aha mēnā ka tāhapa i ahau tētahi utunga?’ mō ētahi atu taipitopito.
Me aha mēnā ka pā mai he raruraru me te moni taurewa
Mēnā ka pā mai he raruraru me tō moni taurewa, ko te mahi tuatahi he kōrero ki tō kaituku moni. Ki te kore e taea e koe te raruraru te whakatau me tō kaituku moni, me whakapā atu koe ki te Ratonga Whakatau Wenewene (Dispute Resolution Service) a tō kaituku moni.
Me pūrongo mai i te raruraru ki a mātau i te mea kei a mātau te mana mō te whakaū i ngā ture pūtea kiritaki.
