Ture 50/30/20
Tāurua tō utu i muri i te tāke me ō whakapaunga, ia marama, ia tau rānei, ā, ka kite koe i te nui e haere ana ki ngā matea, ki ngā hiahia me te penapena, me te tawhiti o koe i te 50/30/20: ko tēhea wāhanga e hipa ana, ā, e hia te toenga kia penapena i te 20%.
Ō whakapaunga
Tāurua tō utu ā-marama i muri i te tāke me ō whakapaunga.
Utu i muri i te tāke: te moni ka riro mai i a koe i muri i te tāke. He matea ngā utu iti rawa o ngā nama; ko ngā utu i tua atu i te iti rawa ka kīia he penapena.
Tirohia te nui o te tipu o ēnei penapena →He whakatau tata noa ngā hua. Kāore a Solvemis e whakaae ki tētahi haepapa mō ngā hua, mō te āhua rānei o te whakamahinga. Me āta tirotiro anō i ngā hua i ngā wā katoa, ā, me kōrero ki tētahi tohunga i mua i te whakatau.
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Te āhua o tōna mahi
Me pēhea te whakamahi
- Tāurua tō utu ā-marama i muri i te tāke: te moni ka tae mai ki tō pūtea.
- Tāurua te nui o ia whakapaunga, mēnā he ā-marama, he ā-tau rānei, ā, mēnā he matea, he hiahia, he penapena rānei. Ka taea te huri i ngā ingoa, te tango rārangi me te tāpiri i ōu ake.
- Whakatauritea tō wehewehenga ki te 50/30/20, ā, tirohia te nui e hipa ana, e hapa ana rānei i ia wāhanga.
- Tikiake i te hua hei PDF, i te rārangi whakapaunga rānei hei CSV, kia wātea ai ki a koe.
Me pēhea te tātai
Te ture a Elizabeth Warren rāua ko Amelia Warren Tyagi (“All Your Worth”, 2005), i runga i te utu i muri i te tāke: ngā matea tae atu ki te 50%, ngā hiahia tae atu ki te 30%, ā, te penapena (tae atu ki te utu nama i tua atu i te iti rawa) kia 20% te iti rawa. Ka kautetia ngā whakapaunga ā-tau hei tētahi wāhanga o te tekau mā rua. Ko te penapena te toenga i muri i ngā matea me ngā hiahia, ahakoa kua tāurua koe, kāore rānei; ki te nui ake tō whakapau i ō whiwhinga, ka tōraro.
Penapena = utu i muri i te tāke − ngā matea − ngā hiahia
Ngā mātāpuna
- All Your Worth: The Ultimate Lifetime Money Plan — Simon & Schuster (Elizabeth Warren rāua ko Amelia Warren Tyagi)
- What is the 50/30/20 budget rule? — Chase
Mō tēnei tātaitai
Te wehewehe i te moni
Ka wehea e te ture 50/30/20 tō utu i muri i te tāke kia toru ngā wāhanga:
- 50% mō ngā matea, te mōrahi: te whare, ngā pire, te kai, te waka, te inihua me ngā utu iti rawa o ō nama.
- 30% mō ngā hiahia, te mōrahi: te kai i waho, te whakangahau, ngā haerenga, ngā ohaurunga.
- 20% mō te penapena, te mōkito: he pūtea mō ngā mea ohorere, te reti, te utu wawe rānei i ngā nama.
O ia 100 ka whiwhi koe, ka haere te 50 ki ngā matea, te 30 ki ngā hiahia me te 20 ki te penapena.
Te tawhiti o koe i te 50/30/20
Ka tāpirihia e te taputapu ō whakapaunga i ia wāhanga, me te wehe i ngā mea ā-tau ki te tekau mā rua, ka whakatauritea ki te ture. Ka whakaatu ko tēhea wāhanga e hipa ana, e hia te nui, ā, e hia te toenga ia marama kia penapena i te 20%. Ka kitea i te pae i te tirohanga kotahi: kaua ngā matea e hipa i te tohu tuatahi (50%), ā, kaua ngā matea me ngā hiahia tahi e hipa i te tuarua (80%).
Ko te penapena te toenga
Kāore e hiahiatia kia tāurua te penapena kia kautetia ai: ko ia te toenga i muri i ngā matea me ngā hiahia. Ki te tāurua hoki koe i ngā moni ka wehea mārie e koe, pērā i te KiwiSaver, ka whakaatu te taputapu ko tēhea wāhanga o te penapena kāore anō kia tohaina ki tētahi mea. Ki te pau aua moni ki ngā whakapaunga kāore anō koe kia tāurua, tāpirihia: ki te kore, ka pai ake te āhua o te hua i tōna tūturu.
He aratohu, ehara i te herenga
He tīmatanga te 50/30/20. I ngā wāhi he nui te utu o ngā whare, he māmā ki ngā matea te hipa i te haurua o te whiwhinga, ā, ka pai te whakatika i ngā hiahia me te penapena i te mea ka taea. Ko te mea whai hua, ko te kite i te wāhi e haere ana ō moni me te whakatau mā ngā tau.
Ngā pātai auau
He aha te ture 50/30/20?
He huarahi māmā hei wehewehe i te moni i whakatakotoria e Elizabeth Warren rāua ko Amelia Warren Tyagi i tā rāua pukapuka “All Your Worth” (2005): o tō utu i muri i te tāke, ko te haurua te mōrahi mō ngā matea, ko te 30% te mōrahi mō ngā hiahia, ā, ko te 20% te mōkito mō te penapena, mō te utu wawe rānei i ngā nama.
He aha te matea, he aha te hiahia?
Ko te matea te mea me utu tonu e koe ahakoa ka tapahia e koe ngā mea katoa: te whare, ngā pire, te kai, te haere ki te mahi, te inihua me ngā utu iti rawa o ō nama. Ko te hiahia te mea ka kōwhiria e koe: te kai i waho, ngā haerenga, ngā ohaurunga, ngā kākahu kāore e hiahiatia ana. Ki te rangirua koe mō tētahi whakapaunga, uia koe anō mēnā ka utu tonu koe i tētahi marama uaua.
Ki te kore au e tae ki te 20% penapena?
He mea noa tēnei ina nui te utu o te whare. Ka whakaatu te taputapu i te toenga ia marama me te wāhanga e hipa ana, kia kite ai koe i te wāhi hei tapahi. He aratohu te ture, ehara i te herenga: ki te nui ngā rēti, tērā pea kāore e taea, ā, ko te mea nui ko te penapena i tētahi mea i ngā wā katoa.
Me pēhea taku tāuru i ngā whakapaunga ka utua kotahi i te tau?
Kōwhiria “Tau”: ka wehea e te taputapu ki te tekau mā rua. Mā konei ka kautetia hoki te inihua waka, ngā rēti kaunihera, ngā hararei rānei, kāore e utua ia marama engari he wāhanga o tō tahua.
I whakahōungia 13 Oketopa 2026
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