Your top 10 money questions in te reo Māori

This is a very special Māori Language Week. It’s been 50 years since Te Petihana Reo Māori, the language petition that set the country on a new course to revitalise te reo Māori, was presented to Parliament on September 14, 1972.

Since we’ve been answering heaps of money questions in both English and te reo Māori lately (you can find them all here), for this occasion here are your top 10 money questions in te reo.

(You’ll find the English version here.)

1. He aha au i whakatau ai i aku kōwhiringa moni?

Kei tēnā anō ōna ake hiahia whakahaere moni, ā, mā tō mōhio ki a koe anō me ō ake tikanga whakahaere moni e whakamārama i ō ake kōwhiringa moni. Ko ētahi ka hoko i ngā mea kounga, ko ētahi ka hoko i ngā mea maha. Ka hiahia rānei ki te whakapau moni i runga i ngā wheako kē. Kāore he whakautu tika, he āwhata noa iho ka taka ki tētahi taha, ki tētahi taha. He mea nui hoki kia kaua e tawhiti te taka o te āwhata ahakoa ki hea. Anei ētahi kōrero mō ō tikanga ahurei mō te moni.

2. Nā te pikinga o te utu noho, me pēhea te whakapau i ō moni kia tawhiti kē atu?

Kua uaua ake te ūngutu – me te whakaputa tuhene i roto i ngā mahere pūtea – i te wā ka piki haere tonu ngā utu. Ko te whāinga kia mau tonu ki te ara, kia kaua e rapu taurewa hou. He nui ngā whakariterite i ō mātou mahere whakapau, engari i runga i tērā, ākene pea me nui ake ngā whiringa. Anei ētahi huatau kia tawhiti kē atu ō moni, he huarahi ki te penapena hoko kai, me ētahi whakaaro mahi moni tāpiri, ki te mahi moni anō.

3. Me pēhea taku penapena i te wā e piki ana ngā utunga katoa?

Koinei te wā pai e whai hua ai tētahi huatahi e kīia nei ko 'utu i a koe i te tuatahi'. Ka whakataha aunoa koe i ō penapena i te wā ka utua koe, ki tētahi pūkete motuhake. Engari he ngāwari noa te hoki anō ai ki te taumahatanga o te nama, me te kaikai i ngā pūtea penapena nā te tāmi ahumoni me te pikinga utu. Me mātua whakarite i te mahi a ia tāra i roto i te mahere pūtea. Anei ētahi kōrero mō te utu i a koe i te tuatahi, me ētahi huatau mō te whakamahi pūtea kia tawhiti kē atu tana haere.

4. Me pēhea te haumi i aku moni kia pai ai mō te taiao?

He nui ā tātou kōwhiringa toitū i a tātou e hoko hua ana i ēnei rā, ahakoa ko te kawhe me te tiakere hoko-tōkeke, ngā hua whenua ā-rohe, ngā kākahu tuitui ā-matatika rānei. He pērā anō hoki ngā haumitanga. Anō nei ko te whakamahi i ō moni ki te pōti mō te anamata e hiahiatia ana.

Engari me wewete ngā moni e haumitia ana e koe (otirā kaua e tiro ki te wawara o te ingoa). Kia tīmata tō pānui – he nui ngā tahua me ngā kamupene he pūrongo toitū ā rātou – ka taea e koe te tiro mēnā e hāngai ana ki ō uara, mēnā e pai ana ana hoki mō te taiao. Anei ētahi atu kōrero mō te haumitanga toitū.

5. Me pēhea au e tīmata tahua ohotata?

Kia hohoro tonu tō whakataha i te $1000 ki tētahi atu pūkete. Hokona ngā taputapu kāore e hiahiatia ana, rapua he mahi tāpiri, otirā kia riro wawe ai he kotahi mano tāra.

He pai tonu kia noho wehe tō pūtea ohotata, otirā kia noho rite. Nō reira ahakoa ko aua pūtea rā he noho pāeko ana, ā, kāore i nui te monihua, ko te wāhi pai mō aua moni, ko te pūkete penapena. Kāore koe i te hiahia kia noho here aua moni rā, neke atu i te kotahi, te rua marama rānei.

Ahakoa tērā, i a koe e whakatipu ana i tō tahua ohotata, e kapi ai te 3, te 6, te 12 marama rānei o ngā whakapaunga, me whai whakaaro koe ki te wehe i ētahi ki ngā kuhunga tūmau e riro ai he moni tāpiri, ā, ka huakina, ka katia rānei i te paunga o te kuhunga. Anei he kōrero mō te tīmata i tō tahua ohotata.

6. He moni wāku kei te pēke, e whiwhi ana i te huamoni itiiti nei. Engari tē mōhio au me pēhea te haumi – tēnā āwhina mai! 

E rongo ana mātou i tō mamae – e kōrero ana hoki te marea mō te huamoni whakaputu me ērā mea, engari mēnā kāore he moni hei whakaputu (ā, e tāketia ana hoki), kua toka tō noho. Ā, mēnā koe e whakamātau ana ki te noho i runga i ō pūtea penapena pērā i te hunga whakatānga, ka uaua kē atu. Koirā i noho ai te mahi haumi hei wāhanga o te anamata o te katoa, ā, me te take e haumi ana tātou ki ngā hea i ēnei rā. Nā, ehara i te mea e akiaki ana mātou i te katoa kia ruku i ngā mahi mōrearea (kei toropuku tō moe), engari mā te haumi ki roto i ngā hea ka āwhina pea i te tipunga o ō moni, e hoki mai ai ētahi ki tō pūkoro. Anei te wāhi ka akona ai koe ki te haumi.

7. Kei te pekepeke haere ngā mākete hea. He whakaaro pai tonu te haumi?

He nui ngā mātauranga kei ō tātou matimati, tae atu ki ngā mākete me te pānga ki ngā pūtea pēke. Engari ehara tērā i te mea pai i ngā wā katoa – inakoa ka kite koe i te kaha hekenga o ngā tapeke. Kua kore tonu e hiahia ki te haumi anō. Engari koinei tētahi āhua o te haumi – kei te hoko rawa whaihua, he wā anō ka piki, ka heke hoki. Ko te mea nui ko te ū ki tētahi mahere pae tawhiti. I te wā e auheke ana te mākete, kei te hoko koe i ngā rawa iti te utu. Anei ētahi kōrero mō te haumi i te ao tūnekeneke.

8. Ka taea e au te haumi ahakoa kāore i nui taku pūtea moni?

I ēnei rā, mā te $5 noa e tīmata ai koe. Kua whakahekea e ngā pae haumi pēnei i a Sharesies, Hatch, InvestNow, a Kernel rānei ngā tauārai o te mahi haumi. Ehara i te mea me nui te tahua pūtea e tīmati ai koe.

Engari kia pai ai tō tīmata, me whakamahere koe i tō mahere whakapau (arā tō mahere pūtea) kia nui ake te rere o ō moni ki ō haumitanga. Ki te nui ngā mahi haumi, te painga atu o ngā hua. Anei te wāhi tīmata i tō mahere.

9. Me $1 miriona hei pūtea ahungarua?

Kaua e aro ki ngā tatauranga o ngā ūpoko kōrero e whai ana ki te whakamataku i a koe ki te penapena moni! Kāore e kore he iti pea te pūtea e hiahiatia ana e koe i ō te pūtea e kōrerohia ana. Me whakaaro pēnei: mō ia $100,000 ka penapenahia, he āhua rite ki te $100 i ia wiki mō tō ahungarua. He tāpiringa tēnei ki tō penihana. Kāore te nuinga o mātou e hiahia ki te pūtea pērā rawa te nui kia pai ai te ahungarua, otirā mā te āhua o te kātū noho e hiahia ana koe e tohu i te nui o te pūtea.

10. Me pēhea taku kōwhiri i tētahi tahua KiwiSaver?

Me kōwhiri te katoa i te momo tahua hei whakaurunga māna, nā, ko tētahi te mea pai mōu? He mea nui te kōwhiri i te tahua i runga anō i ngā paearu whaitake (kaua i te mea he waia ki a koe, tētahi atu take rānei).

Mēnā kāore koe i kōwhiri ake i tētahi tahua i tō kuhunga ki te KiwiSaver, nā te kāwanatanga kē i tohu mā te whakauru i a koe ki tētahi o ngā tahua 'taunoa' e ono. Ko te tikanga o tēnei, kia tīmata ai koe, kia tau rā anō ō whakaaro ki tāu ake i kōwhiri ai. Anei tā mātou aratohu o te kōwhiri i tō tahua KiwiSaver.

We got so many questions in during Sorted Money Week that we know you probably have more! Here’s where to find answers to questions on your money mindset, investing and saving, budgeting, debt, KiwiSaver and retirement (in English and te reo Māori).