10% o to utu a-tau: ko te utu kaua rawa e nui ake i te wa e hoko waka

Tuhinga

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Akene kei te hiahia koe ki:

I te tau 2020, ko te utu toharite mo te motuka hou i Amerika he $38,900, a ko tenei utu e kiia ana kua piki ake ma te 5% i te tau 2021. mai i USA Today me Statista)

Ko tetahi o nga mea tino nui me whai whakaaro koe ina whakaaro koe ki te hoko waka ko tona mahi me te mauroa, ehara i te ahua me te mea hou. Mena ehara koe i te kaikohi motuka, ka awhina tenei ture ki a koe ki te whiriwhiri i tetahi whiringa tino mohio ka taea e koe te whai hua nui mo te moni mo te wa roa.

I roto i tenei tikanga, ka taea e matou te korero ki a koe e 4 nga ture taketake (i whakaarohia e te Moni i raro i te 30) ka, ka tonohia, ka awhina i a koe kia nui ake te moni i roto i to putea putea i te wa e pai ana koe ki te waka e taea ai e koe te whai mana motuhake. Ko enei paerewa ko:

1- Te ture mo te ao: 35% o to utu tau

Ko te aroturuki i o putea he mea taumaha engari he mea tino tika, i tenei keehi ka tūtohu koe kia tatau koe i waenga i te 30 me te 35% o to utu a-tau ki te utu motika katoa. Hei tauira, mena he US$75,000 - 26,000 to utu a-tau, ka tūtohu matou ki te haumi i roto i tetahi motuka kaore e neke ake i te US$.

Ka rereke pea tenei ture i runga i te tohu o te hiahia me te whakamahi i to waka. Mena koinei to moni whiwhi moni na te mea he tangata kawe koe, he taraiwa taxi ranei, he mea whakaaro nui pea te whakawhanui i to tahua.

I tetahi atu taha, he mea nui kia mohio ko te rangahau i te uara o te motuka tawhito i mua i te hoko i tetahi motuka hou ka taea ano e koe te whakaora i te rua mano taara.

2- Ture tino whai hua: 10% o to utu tau

Ma te haumi noa i te 10% o to moni whiwhinga a-tau i roto i te waka e peia ana e koe, ka taea e koe te whakawātea i te waahi mo etahi atu whakapaunga e pa ana. I tetahi atu taha, ko tenei tohu ka whakamahia e nga akonga e tuu ana i te whaipainga ki runga ake i etahi atu mea.

Mena ka tono koe i tenei ture me te rapu, na i te wa roa i roto i to oranga putea.

3- Te kaute toharite: 20% o to utu a-tau.

I runga ano i to keehi me o hiahia, he iti ake pea te utu mo te putea mo te motuka hou he iti ake i te hoko motika maero teitei, he nui ake pea te moni hei haumi mo nga ra kei mua.

I tenei keehi, ma tenei ka kitea e koe te tuku pai i te utu pai.

Te ti'aturi nei matou i awhina enei tohutohu ki te whakapai ake i to oranga o ia ra, me te whiwhi moni ake i roto i to putea putea.

He mea nui kia mahara ko nga utu waka whakawhiti katoa e whakaahuatia ana i tenei tuhinga kei roto i nga taara US.