Wehewehe ʻana o ke kālā kālā kaʻa EOFY

Hiki ke paʻakikī ke kālā kālā, akā eia ka mea e hoʻomanaʻo ai i ke kūʻai ʻana i kaʻa EOFY.

No laila, ma hope o ka honi ʻana i ka lewa - me ka mālama nui - a me ka ʻike ʻana ʻo ka hopena o ka makahiki kālā 2019-2020 ʻo ia kekahi o nā manawa kūpono e loaʻa ai kahi makana maikaʻi ma kahi kaʻa hou, waiho ʻia ʻoe me ʻelua mau nīnau.

ʻO ka mea mua, he hiʻohiʻona ka kaʻa e koho ai e hāʻawi iā ʻoe i ka hauʻoli loa a/a i ʻole ka hoʻomaʻamaʻa a me ka pono o kēlā me kēia lā (a he aha ke kala e pono ai), aʻo ka lua he pragmatic a hiki ke kaupalena i kāu mau pane. i ka nīnau mua, pehea ʻoe e uku ai?

ʻOiai he nui nā mea e ʻōlelo ʻia no ka mālama ʻana i kahi kaʻa hiki iā ʻoe ke loaʻa a me ka uku ʻana i ke kālā - hoʻokomo iā ʻoe i loko o kahi kūlana kūʻai aku e hoʻomaka ai - nā manawa i loaʻa i kēia EOFY i ka wā e hakakā nei nā mea kūʻai kaʻa e hoʻonui i kā lākou kūʻai. . nā pahuhopu e like me ka wā ma mua a no laila e wikiwiki e hāʻawi iā ʻoe i nā makana kupaianaha a maikaʻi paha i maikaʻi loa e hala.

'O ia ho'i, ke ho'olilo nei 'oe i ke kālā 'a'ole i loa'a iā 'oe no ka mālama 'ana i ke kālā no ka wā lō'ihi, akā, e loa'a koke ana i kahi ka'a hou i makemake nui 'ia. A ʻo ia hoʻi ke komo ʻana i loko o ka waihona aie autofinancing.

Eia naʻe, mai makaʻu. He pipiʻi nā kaʻa - no ka hapa nui o mākou, ʻo ia ka lua o nā lilo nui loa a mākou e hana ai - akā nui nā ʻoihana kālā ma laila e makemake e kōkua. ʻOiaʻiʻo, i ka mākeke pilikia iki, ʻoi aku ka makemake o nā mea hōʻaiʻē ma mua o ka mea maʻamau e hāʻawi iā ʻoe i kahi ʻoi aku ka maikaʻi ma mua o nā mea e like me ka uku paneʻe, e kiʻi wale i kekahi mau mea kūʻai.

I ka manawa maʻamau, ma mua o ka viral, nui ka ʻoihana hōʻaiʻē kaʻa o Australia: i ka makahiki 220, ʻo kahi mea hāʻawi e like me St. George wale nō i hana i $ 2019 miliona o nā hōʻaiʻē kaʻa i kēlā me kēia mahina. Wahi a Positive Lending Solutions, ʻoi aku ka nui o nā hōʻaiʻē kaʻa. ʻoi aku ma mua o ʻekolu pākēneka o ka ʻaiʻē ʻohana a pau o Australia, ʻo ia hoʻi, inā ʻoe e awelika, e loaʻa iā mākou kahi hōʻaiʻē kaʻa ma kahi o $670 kēlā me kēia.

I ka pōkole, ʻaʻole ʻoe hoʻokahi inā ʻoe e noʻonoʻo e pili ana i ke kālā i kahi kaʻa hou - i ka makahiki 2017, ua kūʻai ʻia hoʻokahi i loko o ʻelima mau kaʻa hou me ka hoʻohana ʻana i kahi hōʻaiʻē ma kēia ʻāina, a ʻo ka huina o ka hōʻaiʻē he $8.5 biliona. Kiola i nā kaʻa i hoʻohana ʻia a me nā ʻano kaʻa ʻē aʻe a piʻi ka helu i $16 biliona.

He kūpono ke hoʻohana kālā e kūʻai i kaʻa hou?

ʻAʻole ʻoe hoʻokahi inā ʻoe e noʻonoʻo e pili ana i ke kālā kālā i kahi kaʻa hou.

No ka mea he koho kaulana ʻaʻole ia he manaʻo no nā mea a pau, ʻoiaʻiʻo, a e ʻike mau ʻoe i kekahi - pinepine kou makuakāne - nāna e hoʻopaʻapaʻa he manaʻo maikaʻi ʻole ka hōʻaiʻē kālā e kūʻai i ka waiwai hoʻemi, a pēlā, he ʻO ka moraki a me ka hōʻaiʻē kaʻa he mau hana kālā ʻokoʻa loa.

ʻO ka manaʻo, ʻo ka kūʻai ʻana i kahi kaʻa hou, kūpono, palekana, a me ka hilinaʻi ʻaʻole hiki ke mālama wale iā ʻoe i ke kālā, akā e hoʻonui pū i kou hiki ke loaʻa. ʻO ka hoʻokele ʻana i kahi pōpō kahiko, e like me kā mākou e ʻike ai, hiki ke ʻoi aku ka nui o ke kumukūʻai ma mua o ke kaʻa maikaʻi i ka wā lōʻihi.

A eia hou, pono e noʻonoʻo i ka hoʻowalewale ʻana o nā kuʻikahi i kēia manawa EOFY. ʻAʻole kēia ka manawa e hala.

E hāʻawi kālā paha kekahi iā ʻoe?

ʻAe, hiki mai nā mea a pau i kāu mōʻaukala hōʻaiʻē, nā ʻoihana kālā e loiloi i kou hiki ke uku i kahi hōʻaiʻē. Loaʻa kēia i kāu loaʻa kālā o kēia manawa, kāleka hōʻaiʻē a me nā pae ʻaiʻē ʻē aʻe, a me kahi loiloi o kāu mau lilo a me ka loaʻa kālā hoʻopau.

ʻOiaʻiʻo, he mea koʻikoʻi kāu mōʻaukala aie, a inā ʻino kāu mōʻaukala hōʻaiʻē-ma muli o ka uku ʻole ʻana a i ʻole nā ​​​​hōʻaiʻē i ka wā i hala, a i ʻole, ʻoi aku ka maikaʻi o ka hopu ʻia ʻana ma kekahi ʻano-ʻaʻole ia e pōʻino. pono. ʻOiaʻiʻo, hiki i kēia ke hopena iā ʻoe i ka uku ʻana i nā kumukūʻai kiʻekiʻe aʻe a ʻaʻole loaʻa kālā.

Akā inā ʻo ia, mai hopohopo. E hana maikaʻi wale.

"Inā uku ʻoe i ka manawa i loko o 12 mau mahina, hiki iā ʻoe ke kūkulu hou i kāu helu ʻaiʻē a loaʻa i nā kumukūʻai haʻahaʻa haʻahaʻa," haʻi mai kā mākou mākeke.

“ʻO ka mōʻaukala kēlā—moʻolelo. Hiki iā ʻoe ke hoʻololi i kāu helu ʻaiʻē a e maʻalahi ke ola i ka wā e hiki mai ana.

E like me kāu e ʻike ai, hoʻohana nā ʻoihana kālā i kahi ʻōnaehana helu e hoʻoholo ai i kou hiki ke uku a me ka nui a lākou e hāʻawi ai iā ʻoe. Hoʻohana pinepine lākou i ka mea i kapa ʻia ʻo Henderson Poverty Index, ʻo ia hoʻi ke kani ʻana i ke ʻano ʻino akā ʻoiaʻiʻo he pālākiō i hoʻohana ʻia e ana i kāu kūlana kālā, e like me kāu loaʻa kālā, kou kūlana male, pehea ka lōʻihi o kāu hana ʻana, ʻehia kāu mau keiki. etc. i ka.

ʻO ke ʻano o ke kaʻa āu e nānā nei e pili pū i ka nui āu e hōʻaiʻē ai a me ka uku ukupanee āu e uku ai—no ka laʻana, ʻoi aku ka pipiʻi o ka hōʻaiʻē ma ke kaʻa i hoʻohana ʻia ma mua o ke kaʻa hou.

He aha nā ʻano hōʻaiʻē kaʻa ma laila?

ʻOi aku ka kiʻekiʻe o ka uku paneʻe ma kahi hōʻaiʻē kaʻa ma mua o ka moraki, a he mea kūpono ke uku mua ʻana i ka hōʻaiʻē me ka uku panee kiʻekiʻe.

Wahi a Automotive Holdings Group (AHG), ka mea e pili ana iā ia iho ʻo ia ka hui kaʻa kaʻa nui loa o Australia, ʻo ka hoʻonohonoho hoʻolimalima kaʻa maʻamau ʻo ia ka ʻaelike hōʻaiʻē paʻa.

Hoʻohana ʻia nā hoʻonohonoho paʻa i ka 70% o nā mea kūʻai aku.

ʻO nā hoʻololi i ka National Consumer Credit Protection Regulations e pili ana i nā mea kūʻai kaʻa a me nā mea kālā i hopena i ka hoʻopaʻa ʻana o nā panakō i kā lākou mau koina no nā hōʻaiʻē pilikino i nā makahiki ʻelua i hala aku nei, ʻo ia hoʻi ka nui o nā poʻe e kūʻai mai ana ma o nā hui hōʻaiʻē kaʻa kūikawā - ke ʻano i hāʻawi ʻia iā ʻoe ma kahi. hale kūʻai kaʻa i ke kūʻai ʻana i kaʻa.

"Ua ʻoi aku ka koʻikoʻi o ke kālā ma muli o nā lula," wahi a AHG. "Akā ua hopena ia i nā mea kūʻai aku e kākau kālā hou aku."

ʻOiaʻiʻo, pono e hoʻomanaʻo ʻo ka hāʻawi ʻana i ke kālā kahi ala e hiki ai i ka mea kūʻai aku kaʻa ke ʻoki i kahi tiketi ke kūʻai aku i kaʻa hou, no laila e uku paha ʻoe i kahi pānaʻi kiʻekiʻe iki inā hele ʻoe i kēlā ala. Pono e hoʻohālikelike i nā ʻano loans pilikino ʻē aʻe i loaʻa-no ka mea ʻoi aku ka paʻakikī o ka loaʻa ʻana o kahi hōʻaiʻē kaʻa mai kahi panakō ʻaʻole ia he hiki ʻole.

Hōʻike nā mea hāʻawi kālā ʻē aʻe ua lilo ka poʻe i ʻoi aku ka maʻalahi o ke kumukūʻai - ʻoi aku ka liʻiliʻi o ka makemake e hōʻaiʻē i nā kālā nui - mai ka pilikia kālā o ka honua, ʻoi aku ka nui o ke ʻano i ka wā e hoʻomau nei ka hoʻokele waiwai o kēia manawa.

Hoʻohana ka hapa nui o ka poʻe i ka mea i kapa ʻia ʻo "nā moraki waiwai pilikino" a i ʻole "nā hōʻaiʻē mea kūʻai aku", i kapa ʻia ʻo "kūʻai kūʻai kūʻai". Mai huikau i ka inoa, ʻo ia wale nō ka paʻa ʻana o ka hōʻaiʻē e ke kaʻa āu e kūʻai nei. Inā ʻaʻole hiki iā ʻoe ke uku, ʻike ka mea hāʻawi kālā hiki iā lākou ke hopu i ke kaʻa a kūʻai aku e hoʻihoʻi i kā lākou kālā.

I ka mākeke o kēia manawa, ke ʻimi nei nā mea hāʻawi kālā e hoʻoponopono i nā hōʻaiʻē no ka poʻe ma nā haʻahaʻa haʻahaʻa, ʻo ia hoʻi, ua hana ʻia nā hōʻaiʻē no nā manawa hoʻihoʻi ʻoi aku ka liʻiliʻi o ka uku o kēlā me kēia mahina.

E pili ana i ka wikiwiki

He pipiʻi nā kaʻa - no ka hapa nui o mākou, ʻo ia ka lua o nā lilo nui loa a mākou e hana ai.

Eia nō naʻe, he mea nui ka nānā ʻana i ka helu hoʻokahi, ʻo ia ka uku uku āu e uku ai. Inā loaʻa iā ʻoe kahi helu ʻaiʻē maikaʻi a me nā mea hōʻaiʻē ʻē aʻe ma mua o ke kaʻa āu e kūʻai nei, e like me kou hale, a laila e loaʻa iā ʻoe ka uku haʻahaʻa haʻahaʻa. Hiki i ke kūʻai ke kōkua i ka hoʻohaʻahaʻa i ka helu magic.

E like me kā Anthony Keen, ka mea hoʻoponopono o Your Money magazine memo, "ʻO ka uku nui ʻana e like me ka hoʻolei ʻana i ke kālā i waho o ka puka makani, a hana pinepine mākou i kēia me nā kaʻa hou e hoʻemi i ka wā e haʻalele ai mākou me lākou."

Mai ka ʻelima pākēneka a hiki i ka 10 pākēneka, a ʻoi aʻe paha ka uku pānaʻi ʻaiʻē kaʻa i kēia manawa. ʻO ka pani ʻana i ka ʻaelike ma kahi pae haʻahaʻa e hoʻololi nui i ka nui o kāu uku ʻana i kāu hōʻaiʻē $20,000 i nā makahiki ʻelima, he mea nui ia i kēia mau lā ke mālama mākou i kēlā me kēia kālā a mākou e hoʻolilo ai.

"E lawe i ka manawa e kiʻi i ʻelua a ʻekolu mau makana mai nā mea hāʻawi kālā like ʻole, a e kipa i nā pūnaewele hoʻohālikelike o nā mea kūʻai aku e like me InfoChoice a me Canstar e ʻike i ka laulā o nā mea hāʻawi kālā a me nā koho i loaʻa," wahi a Mr. Keene.

ʻOi aku ka nui o ka uku panee ma kahi hōʻaiʻē kaʻa ma mua o ka moraki, a he mea kūpono ke uku mua i ka hōʻaiʻē me ka uku panee kiʻekiʻe. Hiki iā ʻoe ke mālama i ke kālā ma ka hoʻohenehene ʻana i nā makani e like me ka hoʻihoʻi ʻana i ka ʻauhau i kāu hōʻaiʻē kaʻa inā e ʻae ke ʻano o ka hōʻaiʻē, ʻoiai ke kālā nei kekahi poʻe i kā lākou kaʻa me ka hoʻohana ʻana i ke kaulike ma ko lākou mau home.