E pili ana anei ka nui o ka moraki i ka helu aie?
Inā ʻoe e noʻonoʻo nei e kūʻai i hale, ʻo ka noi ʻana i kahi moraki e like paha me kahi hana paʻakikī. Pono ʻoe e hāʻawi i ka ʻike he nui a hoʻopiha i nā palapala he nui, akā ʻo ka mākaukau ʻana e kōkua i ke kaʻina hana e like me ka hiki.
ʻO ka nānā ʻana i ka affordability kahi hana kikoʻī loa. E noʻonoʻo ka poʻe hāʻawi kālā i kāu mau pili hale maʻamau a me nā lilo, a me nā ʻaiʻē e like me nā hōʻaiʻē a me nā kāleka hōʻaiʻē, i mea e maopopo ai ua lawa kāu koena e uhi ai i kāu uku moraki i kēlā me kēia mahina.
Eia hou, e hana lākou i kahi hōʻaiʻē me kahi ʻoihana hōʻaiʻē i ka wā i waiho ai ʻoe i kahi palapala noi e nānā i kāu mōʻaukala kālā a loiloi i ka pilikia e pili ana i ka hāʻawi ʻana iā ʻoe.
Ma mua o kou noi ʻana i moraki, e kelepona i nā keʻena kuhikuhi ʻaiʻē nui ʻekolu a nānā i kāu hōʻike hōʻaiʻē. E hōʻoia ʻaʻohe ʻike hewa e pili ana iā ʻoe. Hiki iā ʻoe ke hana i kēia ma ka pūnaewele, ma o kahi lawelawe kau inoa uku a i ʻole kekahi o nā lawelawe pūnaewele manuahi i loaʻa i kēia manawa.
Hoʻolimalima kekahi mau ʻelele i ka uku no ka ʻōlelo aʻo, loaʻa ke komisina mai ka mea hāʻawi aku, a i ʻole ka hui pū ʻana o nā mea ʻelua. E haʻi aku lākou iā ʻoe i kā lākou uku a me ke ʻano o ka lawelawe a lākou e hāʻawi ai iā ʻoe i kāu hālāwai mua. ʻAʻole uku maʻamau nā ʻōlelo aʻoaʻo hale ma nā panakō a me nā hui moraki no kā lākou ʻōlelo aʻo.
Ma hea wau e noi ai no kahi moraki?
Inā kūʻai ʻoe i hale, pono ʻoe e loaʻa i kahi moraki ma mua o ka ʻae ʻia. ʻO ka ʻae mua ʻana o ka moraki e kōkua iā ʻoe e ʻike i ka nui āu e hiki ai ke hōʻaiʻē no ke kūʻai ʻana i home, e hoʻohiwahiwa iā ʻoe i nā mea kūʻai aku, a e hoʻomaopopo iā ʻoe i nā pilikia e pili ana i kou hiki ke loaʻa i kahi hōʻaiʻē. I mea e ʻae mua ʻia, pono ʻoe e hāʻawi i kāu mea hāʻawi aku i nā palapala e hoʻohana ai lākou e hōʻoia i kāu ʻike pilikino, hana, a me kāu ʻike kālā.
Palapala hoʻoponopono: Loaʻa iā Credit Karma ka uku mai nā mea hoʻolaha ʻaoʻao ʻekolu, akā ʻaʻole pili kēia i ka manaʻo o kā mākou mea hoʻoponopono. ʻAʻole nānā kā mākou mea hoʻolaha, ʻae a kākoʻo i kā mākou ʻike hoʻoponopono. He pololei ia i ko mākou ʻike a me ko mākou manaʻoʻiʻo ke paʻi ʻia.
Manaʻo mākou he mea nui iā ʻoe ke hoʻomaopopo i ke ʻano o ka loaʻa kālā. ʻOiaʻiʻo, maʻalahi loa. ʻO nā hāʻawi o nā huahana kālā āu e ʻike ai ma kā mākou kahua mai nā hui e uku mai iā mākou. ʻO ke kālā i loaʻa iā mākou e kōkua iā mākou e hāʻawi iā ʻoe i ka loaʻa ʻana o nā helu hōʻaiʻē manuahi a me nā hōʻike a kōkua iā mākou e hana i kā mākou mau mea hana hoʻonaʻauao maikaʻi loa.
ʻO nā mea hoʻolimalima moraki maikaʻi loa
Ua ʻike paha ʻoe ʻo ka noi ʻana i nā kāleka hōʻaiʻē hou a me nā hōʻaiʻē liʻiliʻi e helu ʻia ma ke ʻano he "nā nīnau paʻakikī," e hoʻokomo ai i kahi kiko pōkole i kāu helu ʻaiʻē. No kēia mau laina ʻaiʻē liʻiliʻi, ua ʻike mua ʻoe i nā pōmaikaʻi a lākou e hāʻawi ai, no laila ʻaʻole pono ʻoe e noi no ka nui.
Eia nō naʻe, ʻoi aku ka maikaʻi o ka noi ʻana i kahi moraki no ka mea makemake ʻoe e hoʻohālikelike i nā ʻoihana like ʻole i ka manawa pōkole. ʻO ka mea pōmaikaʻi, ʻike ʻia nā ʻoihana hōʻaiʻē i ka pono e kūʻai aku a puni ka mea hāʻawi moraki.
ʻO ka puka makani huki hōʻaiʻē moraki he manawa lokomaikaʻi kahi e manaʻoʻiʻo ai e helu wale nā noi moraki i kāu helu ʻaiʻē ma ke ʻano he nīnau paʻakikī hoʻokahi. Manaʻo ʻia ka manawa ma waena o 7 a 45 mau lā.
ʻOiai ʻaʻole he lula kūhelu ka puka aniani hōʻaiʻē moraki mai nā ʻoihana hōʻaiʻē, he alakaʻi hilinaʻi ia e hiki ke hilinaʻi ʻia. ʻO ka maʻamau, ke kūʻai mai ka mea hōʻaiʻē a huki mākou i kā lākou hōʻaiʻē, kokoke ia, inā ʻaʻole like me ka mea a lākou i ʻike ai mai nā mea hāʻawi ʻē aʻe.
Nā palapala moraki lehulehu
ʻEhia mau moraki hiki iā ʻoe ke loaʻa? Inā makemake ʻoe e hoʻonui i kāu kōpili waiwai waiwai a hoʻonui paha i kāu moʻokāki home hoʻomaha pilikino ma mua o kou hale noho mua, e noʻonoʻo paha ʻoe i ka nui o nā moraki hiki iā ʻoe ke lawe i waho.
ʻO ke kūʻai ʻana i nā waiwai he ala maikaʻi loa ia e hoʻonui ai i kou waiwai a loaʻa kālā, ʻoi aku ka nui inā hoʻoholo ʻoe ma ke ala. Eia naʻe, makemake paha ʻoe e noʻonoʻo pono i kou hiki ke lawe i nā moraki he nui a nānā i kou pae o ka ʻike ma mua o ka lawe ʻana i ka plunge.
Eia naʻe, ʻoiai hiki iā ʻoe ke kūpono no nā mea hou aʻe, hiki iā ʻoe ke kū i kekahi mau pilikia e hiki mai ana me ke kaʻina o ka loaʻa ʻana o nā moraki maʻamau he 10. ʻO ka mea mua, ʻoi aku ka makaʻala o ka poʻe hāʻawi kālā i ke kau inoa ʻana no nā moraki he nui a nānā iā ʻoe he ʻoi aku ka nui o ka hōʻaiʻē.
ʻAʻole makemake ka poʻe hāʻawi kālā e ʻae iā ʻoe e lawe i nā moraki ʻoi aku ma mua o hoʻokahi i ka manawa. Hiki paha iā ʻoe ke kū i nā koi ʻoi aʻe o ka uku, ʻoi aku ka nui o ke kālā i nā koi mālama, a me nā koi helu ʻaiʻē kiʻekiʻe. Hiki paha iā ʻoe ke hana me nā uku pānaʻi kiʻekiʻe ma nā moraki ke loaʻa iā ʻoe nā waiwai he nui.
