ʻAʻole maopopo mākou i ka mālamaʻana i ke kālā. He meaʻoiaʻiʻo kēia. ʻO ke ola ma ka hōʻai'ē ua hōʻoiaʻo ia heʻano maʻalahi o ka nohoʻana, akā naʻe, ua hoʻololiʻia ka hoʻoponopono kālā i ko mākou nohona mau. No laila, pehea e hana ai ināʻo ka mea wale nō āu e manaʻo neiʻo kāu uku. Eia nā'ōlelo aʻo maikaʻi loa i ka mālamaʻana i ke kālā e maopopo loa i ka helu ...
Ma hea kahi e hele ai ke kālā?
ʻO ka paneʻana i kēia nīnau, hiki iāʻoe ke maopopo i keʻano o ka hoʻoliloʻana i kāu kālā. No ka maʻalahi, ua uhaki mākou i kā mākou mau lilo i nā mahele a loaʻa i nā koho'ē aʻe.
KEIKI
✓E kūʻai aku i nā huahana (hoʻokahi manawa ma ka pule ma ka papa inoa / kūʻai kūʻai i kēlā me kēia lā ma nā'āpana)
✓ Kaʻaina a me kaʻaina ahiahi ma waho o ka hale (haleʻaina / lumiʻaina)
ʻO kekahi: ma keʻano he manawa pono mākou e hoʻomanaʻo i nā kuʻuna maikaʻi kahiko o nā lā wehe. E hoʻolālā iāʻoe iho i kahi kapu:ʻelua manawa ma ka hebedomaʻaʻole e hele pū me nā mea a pau i ka hale cafeta a iʻole ka cafe kokoke, akā, no ka mea, lawe mai i ka meaʻai mai ka home aiʻole e noho ma ke kefir.
KA HOʻOPIʻI ANA, KA HOʻOPIʻI ME KA TRANSPORT
✓Ka uku o nā bila no ke keʻena a me nā mea'ē aʻe
✓Taxes (no kahi lumi, no kahi kaʻa, a pēlā aku)
✓ Ke kaʻa o ka lehulehu (kūʻai i nā tiketi / kūʻai i kahi bila no ka malama hoʻokahi)
✓Ka lawelawe o ka kaʻa
✓E ka helu kuhi a me ka pūnaewele
Hoʻohene'ē aʻe: e pili i nā pili pili pono (koho i nāʻoihana kūpono), a me nā lawelawe o nā mea pūnaewele a me nā hui pūnaewele. ʻO kekahi o mākou, no ka palaualelo a me kaʻikeʻole, e noho ana ma nā kumukūlā no nā makahiki,ʻaʻohe mea'ē aʻe i kēia manawa, a he mālie ka poʻe hoʻohana a me ka haʻalulu, i unuhiʻia i kēia manawa,ʻaʻoleʻo nā mea maikaʻi loa. Mai hoʻohanaʻoe i nā kikowaena kino kūlohelohe: e huli i kahi no ia mea a he maikaʻi ke kino, a uaʻaeʻia ke kumukūʻai. Eia hou, pinepine i ka hele.
HEALUA A ME KA HOʻOPIʻI
✓ Nā lāʻau lapaʻau a me ka mālamaʻana
✓ E kūʻai aku ana i nāʻano lole a me nā mea komo
✓ Kūpono i kou mau kapa
✓Cosmetologist
✓ Pūnaewele Pūnaewele
✓ Nā pāʻani hula (hula, yoga, a me nā mea'ē aʻe)
✓ Kū i ka nani
ʻO ke kumu'ē aʻe: e hiki ke hoʻololi maikaʻiʻia nāʻano hana loli e nā mea like. Inā hopohopoʻoe e hana i ka lole a me ke kāʻeiʻana iāʻoe iho, e hoʻololi i kou nani nani i kahiʻoihana hou. Eia kekahi, i loko o nā lumi lohi, he mau lā ke kaʻawaleʻole eʻokiʻoki i kou lauoho aiʻole e kākau inoa (ʻoiai, ke keiki a ka haku). Pēlā nō ia no nā lumi hoʻokani hāmeʻa. Inā makemakeʻoleʻoe e hele i keʻano hoʻonaʻauao home no nā pūnaewele wikiwiki, e ho'āʻo eʻike i kahi kalapu maikaʻi.
HOʻOHOLO
✓ Nā hale kula a me nā haleʻai
✓Theater a me ka wiki
✓Concerts a me nā hōʻike
✓Takouka
ʻO kahi'ē aʻe: e pani i nā hikes i nā haleʻai a me nā hui me nā hālāwai home. Ma ke ala, i kēia manawa keʻano holoʻokoʻa o ka honua holoʻokoʻa. A, no ka mea,ʻaʻole mākou e hoʻopoina e pili ana i nā kau kakahiaka maikaʻi i ka pūnaewele, nā hōʻikeʻike kaʻawale a me ka uku kālā hōkele o nā hōkūʻekolu, nā kaʻa kaʻa a me nā hele wāwae.
KE KULA
✓ Kūkulu i nā papahana a me nā papa
✓ Hoʻomoʻauao i nā keiki
✓ Nā kākoʻo a me nā kumu
✓ Nā puke (fiction / puke / mekala)
ʻO kekahi: inā loaʻaʻoe i ka hoʻonaʻauaoʻana e hoʻonui i kouʻike, aʻaʻole e hoʻokomo i kekahi "crust" ma ka papa, hiki iāʻoe ke maʻalahi i kāuʻike. I kēia lā, ma ka Pūnaewele, hiki iāʻoe ke loaʻa nā mea ma waho o kekahi kumuhana a me ka hana me kaʻole o nā kumu. No nā puke, nā makelia a me nā nūpepa, a me nā kiʻiʻoniʻoni a me nā mele, hiki iā lākou ke laweʻia ma ka Pūnaewele a iʻole hoʻolimalimaʻia mai nā hale waihona puke, nā hale waihona puke a me nā hoaaloha. ʻO nā mea maikaʻi i ka wā o ka pilikia,ʻo ia ka huakaʻi "bookcrossing" (plying books):ʻo ka poʻe e komo ana, ma hope o ka heluheluʻana i ka puke, waihoʻia ma kahi wahi iʻikeʻia, a hiki i kekahi mea ke lawe.
Ke kali nei mākou i ke kālā "free"
ʻAʻole makemake kekahi o mākou e hahai i kēia mau kōkua kōkua pehea e mālama ai i ke kālā. ʻOiaʻiʻo,ʻaʻohe mea makemake e haʻalele i ka "ola nani". No laila, maikaʻi e hoʻololi i ka manaʻo. I kēia manawa, pono mākou e hoʻoikaika i ka mālamaʻana i ka maikaʻi o ko mākou ola.
NĀ KĀKAHI: KA HOPE IKE, BETTER
He aha ka hewa inā kūkī ke kuʻalulu, ka lole, nā pōpō, nā kuki, nā mīkini, nā mea paʻakikī, nā mea i paʻiʻia, nā salama mai ka kuke kuke mai kāu papa inoa papahana? Eia hou, hiki iāʻoe ke hoʻemi i ka helu o nā hua i kūʻaiʻia. ʻO ka hapa nui o mākou eʻai nui aku i ke kino, inā mākou e hoʻohālikelike i ka nui o kaʻai me ka nui o nā calorie i pau.
NO KA LAWO ANA NO KA
Loaʻa paha i ka kūʻaiʻana i nā huahana kūpono e hoʻopakele iāʻoe i ka manawa, akā i loko o kēia mau "ʻauʻau" palolo a he nui nā mea mālamaʻole iʻikeʻoleʻia e pili ana i ke ola o kāuʻohana. E kūʻai i nā hua liʻiliʻi loa (kaʻuala, kāpeti, kāloti, a me nā mea'ē aʻe) a kuke i ka meaʻai. A no ka meaʻai, hiki iāʻoe ke kuke i nā pīpī pīpī - nā kāloti mai nā hua maloʻo a me nā hua liʻiliʻi loa o ka wā.
KA HOOHOLO O NA BUYER
Iʻole e kūʻai i ka nui o nā mea ponoʻole i loko o ka hale kūʻai, ua lawa ia e hoʻomanaʻo i nā kauoha he nui.
• Mai hele i nā hale kūʻai no kaʻimi wale.
• Koho i kahi hale kūʻai waiwai hoʻonaʻauao (hypermarket), kahi i kūʻaiʻia ai nā mea a pau.
• Kūʻai kūʻai i nā mea kūʻai lōʻihi.
Ponoʻoe e kūʻaiʻia i nā kumukūʻai, kāloti, beets, pickles a me jams ma ke kumukūʻai ma ke kumukūʻai maikaʻi loa (hiki iāʻoe ke mālama i nā mea kanu i loko o ka hale ma ka hale a i kahi i hoʻonohonoho ponoʻia ma luna o ka pāpale a me nā mea'ē aʻe).
• Kipa i ka hale kūʻai, e hana mua i kahi papa inoa o ka mea āu e kūʻai ai: no kēia, i loko o hoʻokahi pule, e kākau i nā mea a pau ma kahi pepa kūikawā.
• Mai hana i nā kūʻai nui me ka hoʻomākaukauʻoleʻana - ma muli o ka hoʻolahaʻana a iʻole ma keʻano o ka "huliʻana i ka lima". Ma mua o kou kūʻaiʻana i kahi mea waiwai (ka mea holoiʻenehana, kāmela, sofa, a me nā mea'ē aʻe), e hana i kahi noiʻi ma ka pūnaewele - eʻike a hōhālike i nā kumukūʻai, e nānā i nā hālāwai e pili ana i keʻano o nāʻano likeʻole, hele i ka makamekeka hoʻokele.
Ka hōʻailona piha
E like me kouʻike, ke kālā, ināʻaʻole ka hoʻolimalimaʻana i ka hoʻolimalimaʻana, aia ka waiwai o ka "kolo." ʻO ka manawa pinepine kēia no kaʻike a me ka nānāʻole.
MAKE A PERSONAL "INSURANCE"
Uaʻakaʻakaʻoe i nā kupunawahine i hoʻolei i ke kālā i loko o ka "pahu"? Ano he manawa e akaaka ai lakou ia oe! Ināʻole,ʻoiaʻiʻo, loaʻa iāʻoe kahi hana maikaʻi no ka mālamaʻana i 10% o kāu uku.
MYSELF HONOLULU
No ka liloʻana i mea kālā maikaʻi ma kouʻohana iho, ponoʻoe e hōʻuluʻulu i nā kālā a me nā lilo, a me kā lākou hoʻolālāʻana (e like me nā mea kākau e hana nei). Hiki iāʻoe ke lawe i kahi'āpana pepa (aiʻole he papa puke) i keʻano kahiko a hoʻomaka e kākau i nā kolamu o nā helu ma loko, akā i kēia lā,ʻoi aʻe ka kohoʻoi aku:ʻo nā polokalamu kamepiula lōʻihi i ho'ālaʻia a hōʻoiaʻia mai ka papahana "Home Accounting". ʻO ka pinepine o ka hanaʻana no ka mea hoʻohana maʻamau: e komo wale i nāʻikepili i makemakeʻia, a hāʻawi iāʻoe i nāʻike a pau. ʻO ka maʻalahi hoʻi, ua hoʻokomoʻia nā waiwai a me nā kumukūʻai i loko o kaʻikepili (i ke kālā āu e pono ai): i ka wā e hiki mai ana, ināʻoe e hoʻopili ana ma nā wahi like, ponoʻoe e komo i ka nui o nā waiwai. Aia ma laila kahi kūpono loa e kākau a kākau i kahi papa inoa o nā huahana a me nā haʻawina home. Mai poina: e mālama maikaʻiʻia ke kālā!
Nā manuahiʻuʻuku e kōkua i ke kālā
✓ Kūkulu i kahi kāleka o nā kāleka kūʻai me nā hoa a me nā hoaaloha - pēlāʻoe e hoʻonui nui i nā wahi e hiki ai iāʻoe ke loaʻa nā uku a me nā pōmaikaʻi.
✓E hoʻohui i nā polokalamu lako. Linux ma kahi o Windows, Office pani ma kahi o ke keʻena Microsoft, a pēlā aku. Loaʻa i nā papahana a pau nā analogs free,ʻaʻole loa i emi iki i ka hana.
✓ E mālama mau i nā kāleka a me nā kākoʻo kākoʻo - hiki iā lākou ke lawelawe maikaʻi iāʻoe.
✓E hoʻopili i nā papa helu ma ka wai, e hoʻohana i nā kukui mālama ola a hana mau
nā hana hou i loko o ke keʻena (ināʻaʻoleʻoe e hoʻonui i ka nui).
✓E hoʻolālā i kahi polokalamu Skipe free i kāu kamepiula a mālama i nā kele lōʻihi a me ke kelepona.