ʻO nā mea hōʻaiʻē moraki ʻaʻole e noi i nā ʻōlelo panakō 2021
I mea e wikiwiki ai ke kaʻina moraki, ʻoi aku ka maikaʻi o ka hoʻomākaukau ʻana i nā palapala ma mua o ka waiho ʻana i ka palapala noi. Pono nā mea hāʻawi kālā i nā palapala kākoʻo e hele pū me kāu noi moraki:
E hoʻomaopopo hoʻi hiki iā ʻoe ke hoʻohana i kāu laikini kaʻa ma ke ʻano he hōʻoia o ka ʻike a i ʻole ka hōʻoia o ka helu wahi (e nānā i lalo), akā ʻaʻole ʻelua. Pono ke kāleka a hōʻike i kāu helu wahi o kēia manawa; Inā hōʻike ia i kāu helu helu kahiko, ʻoiai inā manaʻo ʻoe he pōkole kou helu wahi, pono ʻoe e hōʻano hou.
ʻO ka P60 kahi palapala i hoʻopuka ʻia e kāu hui ma ka hopena o kēlā me kēia makahiki kālā (ʻApelila) a hōʻike i ka huina o kāu loaʻa kālā, ʻauhau a me nā haʻawina Social Security i ka makahiki i hala. ʻAʻole pono nā mea hōʻaiʻē moraki a pau, akā hiki ke kōkua inā loaʻa nā nīnau e pili ana i ka mōʻaukala kālā.
Pono ʻoe e kiʻi i kope o kāu hōʻike hōʻaiʻē, ʻoi aku ka maikaʻi mai Equifax a i ʻole Experian, ka mea maʻamau i hoʻohana ʻia e nā mea hōʻaiʻē moraki. ʻO nā uku lohi, nā kuhi hewa, a me nā ʻōlelo hoʻokolokolo e pili ana i kāu helu ʻaiʻē a hiki ke alakaʻi i ka hōʻole ʻana i ka noi.
I ka manawa hea e hōʻoia ai nā mea hōʻaiʻē moraki i ka hana ma UK?
E nīnau mākou iā ʻoe i kekahi mau nīnau kikoʻī e pili ana i kāu mau lilo o kēlā me kēia lā. E komo ana kēia i nā nīnau e pili ana i kāu mau lilo kumu, e like me ka meaʻai, nā pono hana, nā lilo o ka hale, a me nā lole, a me nā ʻano kālā ʻē aʻe, e like me ka hoʻonaʻauao pilikino, mālama holoholona, mālama keiki, a i ʻole kekahi mau hoʻolimalima kālā i nā waiwai. E nīnau pū mākou iā ʻoe e pili ana i nā loli i ʻike mua ʻia i kāu mau lilo.
Ma ka ʻaoʻao ʻē aʻe, e hōʻoia e hiki iā ʻoe ke hāʻawi iā mākou i ka ʻike pololei i ka wā o ka nīnauele, paipai mākou iā ʻoe e nānā a hoʻohālikelike i kāu mau uku mahina. ʻO kahi ala maikaʻi e hana ai i kēia, ʻo ka nānā ʻana i kāu mau kālepa, kāu mau bila, a i ʻole kekahi mea hana kālā āu e hoʻohana ai. Ua ʻike pū mākou ʻo ka hapa nui o nā polokalamu panakō he hiʻohiʻona hōʻuluʻulu kālā e hoʻokaʻawale i kāu mau hana a hiki ke lilo i ala wikiwiki a maʻalahi e helu ai i kāu mau lilo.
No ke kōkua ʻana i ka hopu ʻana i kāu mau aie kālā e noho nei ma ke ʻano he ʻāpana o kāu noi hōʻaiʻē home, loaʻa iā ʻoe ke koho o ka loaʻa ʻana o kahi hōʻike hōʻaiʻē manuahi ma o illion Credit Reportdisclaimer, pono e papa inoa i kāu mau hōʻaiʻē a me nā kāleka hōʻaiʻē e hana nei i kēia manawa.
Moraki Barclays
ʻO kahi ʻokoʻa ʻē aʻe ka poʻe hōʻaiʻē hoʻolimalima ponoʻī e manaʻo nei e kūpono i kahi moraki e pili ana i nā ʻōlelo panakō ma mua o ka hoʻihoʻi ʻauhau. I kēia hihia, pono ʻoe e waiho i nā ʻōlelo panakō no nā mahina 12-24 i hala.
ʻAʻole nānā ka luna hōʻaiʻē i nā ʻōlelo panakō ma mua o ka pani ʻana. Pono nā mea hōʻaiʻē e hōʻoia iā lākou ke waiho mua ʻoe i kāu noi hōʻaiʻē a hoʻomaka i ke kaʻina hana ʻae ʻia.
Eia kekahi, inā he hoʻololi i kāu loaʻa kālā a i ʻole kāu hana ma mua o ka pani ʻana, e haʻi koke i ka mea hāʻawi. Hiki i kāu luna hōʻaiʻē ke hoʻoholo inā pili kekahi mau loli i kāu kūlana kālā i kāu ʻae ʻana i ka hōʻaiʻē a kōkua iā ʻoe e hoʻomaopopo i ke ʻano e hoʻomau ai.
Inā ʻaʻole hiki iā ʻoe ke hōʻike ma o nā palapala e ʻae ʻia ke kumu o kahi waihona nui ma lalo o nā alakaʻi o ka papahana, pono ka mea hāʻawi kālā e hoʻopau i ke kālā a hoʻohana i nā mea i koe e hoʻokō iā ʻoe no ka hōʻaiʻē.
ʻO nā hōʻoia o ka waiho ʻana, a i ʻole nā VOD, he mau palapala hiki i nā mea hāʻawi kālā ke hoʻohana ma kahi o nā ʻōlelo panakō. Kau inoa ʻoe i kahi ʻae e hiki ai i kāu panakō ke hoʻopiha i ka palapala ma ka lima, e hōʻike ana i ka mea paʻa kālā a me kāna koena o kēia manawa.
ʻEhia mau hōʻike panakō no ka moraki
Hōʻike nui nā ʻōlelo panakō e pili ana i kāu mau hana hoʻolimalima a hiki ke kōkua i ka hōʻike ʻana hiki iā ʻoe ke lilo i mea hōʻaiʻē hilinaʻi, ʻoiai me ka hōʻaiʻē maikaʻi ʻole. Hōʻike nui nā ʻōlelo panakō e pili ana i kāu mau hana hoʻolimalima a hiki ke kōkua i ka hōʻike ʻana hiki iā ʻoe ke lilo i mea hōʻaiʻē hilinaʻi, ʻoiai me ka hōʻaiʻē maikaʻi ʻole. Ke noi nei ʻoe i moraki, pono paha ʻoe e nānā i kāu kālā me kahi lei niho maikaʻi, akā he mea nui e hoʻomaopopo i ka mea e ʻimi ai, ka mea e ʻimi ai ka mea nāna e hāʻawi aku, a pehea e hoʻomaikaʻi ai i kou kūlana.
