TOP TIPS FOR KEEPING YOUR BUDGET UNDER CONTROL DURING KIRIHIMETE
Kirihimete is just around the corner! We know this can be a stressful time especially when it comes to pūtea and your budget. We have some top tips we have collated from Sorted NZ to avoid overspending during this time.
- Make a list – Sorted NZ say going in with a plan of what you want to spend, and sticking to it, can help you stay on track with your budget.
- Do the mahi! Sorted NZ’s advice is todo your research to find the best deals, and if you already know what you want to koha someone, shop around to make sure you get the best price.
- Try DIY – everyone loves a koha made with aroha! Check out some ideas below. Making your own cards is another way to save pūtea, plus each one you make can be personalised!
- Big whānau? Try doing Secret Santa and only buying for one whānau member rather than a present for everyone. Check out drawnames.co.nz for an online Secret Santa generator.
- Organise a potluck for kai – share the load and ask each whānau member to bring a plate.
- Try to avoid Buy Now, Pay Later – it’s not worth going into debt and the penalties if you can’t make repayments will add up!
- Get thrifty – check out local secondhand shops or Facebook Marketplace to find some bargains – you could add a rule to your Secret Santa and do secondhand koha only!
- Buying for tamariki? Use the ‘want, need, wear, read’ rule and only purchase one of each category that want, need, will wear, and read.
- Don’t compare with others! Don’t worry about how much others are spending, just because someone else can afford a certain amount for koha or travel doesn’t mean you need to as well – stay with what you can afford and you will avoid feeling stressed about pūtea after the big day.
- Think ahead – bonus tip for next year! Kirihimete always creeps up on us, however Sorted NZ says that thinking ahead can help us to plan our budget with less stress around pūtea! Work out how much you want to spend for next year, including koha, kai and any travel costs. Work out how much you need to save each pay and put it into a separate account. #2023goals
Remember, wāhine mā, Kirihimete is about spending time with whānau and friends so focus on making memories and less on buying ‘stuff’.
DIY Kirihimete Koha ideas
- Make your own Kirihimete cards – get the tamariki involved and be creative. If you want to make them online Canva.com have loads of templates you can choose from.
- Make your own preserves, jams or pickles with seasonal fruit or veg
- Gift in a jar – add lollies or homemade baking and tie a ribbon around it! Include a personalised label or note.
- Got lots of cool plants at your whare? Take some cuttings and propagate these in a glass or jar of water. Once roots have grown you can plant these into a pot and you have a mīharo koha!
- Create your own gift box, choose a few favourite items of the person you are buying for and add these into a gift bag or box!
The information contained in this document is intended for general guidance and information only and is not personalised to you. It does not take into account your particular financial situation or goals.
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