Te tuku moni ki te kaimahi whakakapi i te whare kawhe: te pūtea tīmatanga, te tāpiri moni iti hei moni whakahoki, ngā tangohanga me ngā tāpuitanga, me te arowhai rerekētanga

Ina tuku moni ki te kaimahi whakakapi i te whare kawhe, me mārama ia ki ngā take i rerekē ai ngā moni kei te pouaka: te nui o te pūtea tīmatanga o te huringa mahi, te nui o ngā moni i riro mai i ngā hoko, ngā tāpiritanga moni iti hei moni whakahoki me ngā tangohanga, tāpuitanga rānei i mahia, me ngā rerekētanga e toe ana i waenga i te tatau tūturu me ngā tuhinga. Wehea ēnei i te tuatahi kia taea ai te kimi i te pūtake, kaua e tuku noa i tētahi tapeke kotahi.

I whakaputaina e te Pēke Matua o Pāniora i 2025-11-12 tētahi rangahau mō ngā tikanga whakamahi moni i 2025: ko 57% o ngā kiritaki i whakamahi moni hei tikanga utu matua i ngā toa tūturu, ā, i whakamahia e 55% te moni i ia rā i ēnei horopaki. Ehara tēnei i te ōrau o ngā whakawhitinga i utua ki te moni.

He ōrau ēnei mō ngā tikanga a ngā kiritaki; e kore e taea te whakamahi hei ōwehenga mō ngā moni iti hei moni whakahoki mā tō whare kawhe. Tirohia ngā pire tūturu mō te parakuihi, te tina me ngā mutunga wiki kia kitea ai ngā uara moni ka pau wawe. Mā te kaiwhakahaere e whakatau te nui, me te whai whakaaro ki te haumaru me ngā huarahi tiki moni iti hei moni whakahoki. Ehara i te mea he pai ake te nui ake o ngā moni i ngā wā katoa, ā, kaua hoki e whakapae noa mā ngā kaimahi e whakamahi ā rātou ake moni hei whakakī i ngā moni iti kua pau.

Tango me te tatau i te pūtea tīmatanga mā ia momo moni

• Tatau tūturu i te pūtea tīmatanga: tuhia ia momo moni me te tapeke, whakataurite ki te tuhinga o te huringa mahi o mua, ā, me whakamana e te tangata nāna tonu i tango. Kaua e whakamahi noa i ngā nama o nanahi.
• Te tiaki me te tuku: whakamāramatia ko wai ka pupuri i te kī, i te pouaka moni rānei, ā, ko wai ka whakakapi i te tangata mēnā ka wehe atu ia mō tētahi wā poto.
• Ngā whakaritenga tāpiri moni iti hei moni whakahoki: tuhia te pūtake me te tangata nāna i whakaae. Ia wā ka whakawhitia ngā moni, tuhia ngātahitia ngā moni i kuhu mai me ngā moni i puta atu; kaua e whakauru ki ngā moni hoko.
• Puritia kia wehe: kaua e hanumi noa ngā moni iti a te tangata ake, ngā moni ake a ngā kaimahi i utua tōmuatia mō ngā whakapaunga a te pakihi, me ngā takoha a ngā kiritaki ki roto i te pouaka moni. Mā te kaiwhakahaere e whakaū ngā tikanga mō ēnei.

Whakaotia te utu moni o taua pire i mua i te tahuri ki tētahi atu mahi

Kī atu anō ki te kiritaki te nui hei utu, whakaū i te momo me te nui o ngā moni kua tukuna, kātahi ka hoatu te moni whakahoki i mua i te neke ki te pire e whai ake nei. Mēnā ka tāpiri ohorere te kiritaki i ētahi moni iti, whakamāramatia anō te tapeke moni kua tae mai me te nui o te moni whakahoki. Kaua e haere tonu ki te tāpiri, ki te tango rānei i runga i tētahi tātaitanga ā-hinengaro kāore anō kia oti. Ka taea e tētahi hoa mahi te āwhina ki te kohi kai, ki te whakamārama rānei i tētahi take, engari waiho mā te kaitatau moni e whakaoti te arowhai i ngā moni o taua pire.

Mēnā me tuku te mahi ki tētahi atu i waenganui i te wā mahi, whakamāramatia ngā moni kua tae mai mō taua pire, ngā moni whakahoki kua hoatu, me ngā mahi kāore anō kia oti; me mārama hoki te tangata ka tango i te mahi kua whakaae ia. Mēnā he tokomaha e whakamahi ana i te pouaka moni kotahi, tuhia tonutia te wā whakawhiti. Ehara i te mea kua oti te tatau me te tuku nā te mea kei te pae mahi ngā tāngata tokorua.

Tuhia motuhaketia te take mō ia tangohanga, tāpuitanga rānei kāore e pā ana ki te hoko

• Te wā i puta ai me te nui o te moni: tuhia ngā tangohanga kua whakaaetia, te waiho motuhake i ngā moni pepa uara nui mō tētahi wā poto, te tāpiri moni iti hei moni whakahoki, ngā whakahokinga utu rānei. Kaua e tuhi noa he moni kei te ngaro.
• Ngā taunakitanga e hāngai ana: hono atu ki te pire, ki te whakawhitinga moni, ki te tuhinga whakaae rānei, kia kitea ai te take i kuhu mai ai, i puta atu ai rānei ngā moni.
• Te tangata nāna i whakahaere, me te tangata nāna i tango: tuhia ko wai tonu i mahi, ā, ko wai te kaiwhiwhi. Kāore e ranea te kōrero ā-waha hei whakakapi i te tuhinga.
• Ngā taipitopito haumaru: kaua e tuhi ki ngā tuhinga tuku mahi tūmatanui i te wāhi o te pouaka haumaru, te ara kawe moni, me ētahi atu taipitopito haumaru kāore e hiahiatia.

Whakahaerehia ngā takoha a ngā kiritaki kia wehe i ngā moni hoko, ā, tuhia motuhaketia ngā moni ake a ngā kaimahi i utua tōmuatia mō ngā whakapaunga a te pakihi me ngā utunga whakahoki ki a rātou. Mā te kaiwhakahaere e whakaū ngā ture kaute me ngā ture mahi, me te whai whakaaro ki ngā tohutohu ngaio. Me tuhi ngā kaimahi i te pūtake tūturu, te nui o te moni me te tangata nāna i whakaae; kaua rātou e whakatau noa ki te whakarōpū i ngā moni i tangohia, i kuhuna rānei hei moni hoko.

I te mutunga o te mahi, tatau tuatahi i ngā moni tūturu, kātahi ka tirohia te tapeke e tika ana

Tatauria ngā moni i runga i tētahi raupapa pūmau, ā, tuhia motuhaketia te pūtea tīmatanga o te huringa mahi, ngā utu moni kua whakaūngia kua tae mai, me ngā moni i tangohia, i kuhuna rānei e whai taunakitanga ana. Kaua e whakaurua te tapeke o ngā utu kāri pēke ki te toenga moni. Mō ngā utu wāhanga, ngā whakahokinga utu rānei, hoki ki ngā pire e hāngai ana ka tirotiro takitahi. Kaua e whakarerekē i te tatau tūturu kia kore ai he rerekētanga, kaua hoki e tuku i ngā kaimahi kia whakakī i te hapa ki ā rātou ake moni hei huna i te raruraru.

• Tatau anō i te tuatahi: tirohia kua whakarārangitia motuhaketia ngā momo moni, te pūtea tīmatanga me ngā moni kua tāpuitia, ā, puritia ngā tuhinga taketake.
• Kātahi ka tirohia ngā nekehanga moni: arotakengia takitahitia ngā whakawhitinga huringa mahi, ngā tāpiritanga moni iti hei moni whakahoki me ngā tangohanga, tāpuitanga rangitahi rānei. Tirohia mēnā kua rerekē ngā moni tūturu engari kāore i tuhia.
• Hoki ki ngā tuhinga utu: tirohia mēnā i hē te kōwhiri i te moni, i te kāri peeke rānei hei tikanga utu, mēnā he tāurunga tāruarua, he utu rānei kāore anō kia whakaūngia. Kaua e whakarerekē noa i ngā tuhinga o mua.
• Mēnā kāore anō kia kitea te take: tukuna mā te kaiwhakahaere e whai tonu, ka tuhi hoki i te take kāore anō kia mōhiotia me ngā mahi ka whai ake. Kaua e whakapae i tētahi tangata i runga noa i te nama o te rerekētanga.

E rua ngā mahi motuhake: te tango moni me te tuhi i te utu. Ka whakawhirinaki te tono kai mā te matawai QR i te pae tukutuku, te tukutahi kapua me te utu tuihono ki te whatunga. Ko te whānuitanga o ngā mahi tuimotu e wātea ana i te taupānga taketake ka whakawhirinaki ki te putanga mana e whakamahia ana me ngā tautuhinga. Mēnā ka motu te hononga, whai i ngā tikanga kua whakaritea e te toa, ā, puritia ngā taunakitanga. Kia hoki mai te hononga, whakatauritea ngā ota me ngā utu i mua i te tāpiri i ngā tuhinga, kia kore ai e tuhia anō taua moni.

I te wā ka whakarerekē i ngā tikanga ā muri ake, arotahitia te raruraru ake: mēnā ka pau tonu tētahi momo moni, tirohia te whakaritenga moni; mēnā ka puta ngā rerekētanga i ngā wā whakawhiti kaimahi, whakapai ake i te tatau me te tuku; mēnā kei te hē te tuhi i ngā tikanga utu, tirohia te tukanga tāurunga. Kāore e taea e tētahi rangahau ā-motu te whakakapi i ngā taunakitanga o te pouaka moni, ā, ehara hoki te whakaiti i te whakamahi moni i te whakakapi mō te whakaū i te putanga o ngā utu hiko.