{"id":1132,"date":"2024-09-13T03:51:48","date_gmt":"2024-09-13T03:51:48","guid":{"rendered":"https:\/\/whairawa.com\/wahine\/?p=1132"},"modified":"2024-09-24T03:33:42","modified_gmt":"2024-09-24T03:33:42","slug":"how-to-prepare-financially-when-your-tamariki-start-kura","status":"publish","type":"post","link":"https:\/\/whairawa.com\/wahine\/articles\/how-to-prepare-financially-when-your-tamariki-start-kura\/","title":{"rendered":"HOW TO PREPARE FINANCIALLY WHEN YOUR TAMARIKI START KURA"},"content":{"rendered":"<h4><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><i><span data-contrast=\"auto\">Move over math flashcards, preparing financially for your tamariki to start kura is important homework\u00a0for you, before your little one\u2019s first day!<\/span><\/i><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/h4>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">We had a k\u014drero with Whai Rawa Marketing Manager Josie who shared her lived experience and insights gained, from her first two tamariki embarking on the primary school journey. We discussed the obvious (and not so obvious) costs&#8230; Are there any ways to reduce these? And how far in advance should wh\u0101nau start preparing?<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Josie unpacked what to expect, as well as her hot tips for bringing the cost down. Wherever your wh\u0101nau is on the school prep journey, these are important to consider!<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<h4><strong>School Uniforms\u00a0<\/strong><\/h4>\n<p><span data-contrast=\"auto\">One of the first things you probably think about! The cost of k\u0101kahu (uniform) varies across kura, but you may find yourself setting aside $100 or more for the basic kit from the school including tops, bottoms, jumpers and don\u2019t forget a sunhat! You\u2019ll also need to stock up on the basics \u2013 head to your local for socks and underlayers \u2013 merino or thermals for winter and tshirts for summer.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some kura also require a sports uniform or PE gear. It looks smart on the field but is also another cost to keep in mind \u2013 give yourself a running start and find out in advance, to avoid being winded by unexpected costs.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><em>Hot Tips<\/em><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">Keep an eye on Facebook Marketplace or even social media groups. Tamariki grow quickly and wh\u0101nau often post second hand uniforms online at a really good price.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Get in touch with your kura if you\u2019re having trouble. Some schools are supported by KidsCan and can provide shoes and a winter jacket too.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Buy quality. It\u2019s more cost effective to buy one pair of shoes per year, than to be replacing a pair each term.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Stationery<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">Depending on when in the year your tamariki starts, you may or may not be able to jump on the \u201cBack to School Sales\u201d waka. This can be an opportunity to buy many products at a discounted rate. A number of brands may also offer price match on larger items or IT purchases.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><em>Hot Tips\u00a0<\/em><\/p>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Shop around, you don\u2019t need to get the whole stationery list at one store<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Have a chat as a wh\u0101nau, have constructive conversations around the \u201cneeds\u201d and \u201cwants\u201d regarding stationery especially when it comes to backpacks or lunchboxes!<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\">When your tamariki turn 5, you can apply for a\u00a0 Ng\u0101i Tahu School Starter Pack. Each School Starter Pack is made up of an assortment of practical and taonga items to ease financial pressures for wh\u0101nau. Find out more or apply for a pack by <a href=\"https:\/\/ngaitahu.iwi.nz\/opportunities-and-resources\/for-whanau\/find-an-opportunity\/school-starter-packs\/\" target=\"_blank\" rel=\"noopener\">clicking here<\/a>.<\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Outside of School Care<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">Depending on your wh\u0101nau and mahi situation, this may be an option you need to consider. A number of really supportive before or after school programs are often available, designed to support parents who have commitments making drop off or pickup impossible.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><em>Hot Tips\u00a0<\/em><\/p>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Research! As always there may be options that suit your situation better than others.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Prepare in advance, as you don\u2019t want to end up on a waiting list or with limited options.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-contrast=\"auto\">Subsidies may be available for some situations including through Work and Income for Eligible wh\u0101nau.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Kai<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">A number of k\u014dhanga or pre-schools offer morning tea and lunch for p\u0113pi and tamariki. When many tamariki graduate to school \u2013 this kai becomes an additional cost to many wh\u0101nau. Some tauira (students) may have access to the lunches in schools programme, or your school might run a breakfast club. Regardless \u2013 you\u2019ll want to make sure that your tamariki has access quality kai to fuel them throughout the day.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><em>Hot Tips\u00a0<\/em><\/p>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"8\" data-aria-level=\"1\"><span data-contrast=\"auto\">Prepare baking or options in bulk and freeze or refrigerate in advance.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"9\" data-aria-level=\"1\"><span data-contrast=\"auto\">Research breakfast or dinner ideas that incorporate lunchbox favourite ingredients, again making in bulk and using throughout the week.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"10\" data-aria-level=\"1\"><span data-contrast=\"auto\">Avoid too many pre-packaged goods as this can add up \u2013 buy a big bag of snacks and portion them out with a reusable bag or container.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<h4><b><span data-contrast=\"auto\">Extra Activities and Costs<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/h4>\n<p><span data-contrast=\"auto\">As well as starting their learning journey, there will be a number of new and exciting opportunities within kura including trips, extra-curricular activities, challenges, sports teams and beyond.\u00a0 You\u2019ll want to best support your wh\u0101nau, while balancing your budget. Football boots, instrument hire fees and finding out about the team uniform which needed paying for yesterday can be stressful.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><em>Hot Tips<\/em><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"11\" data-aria-level=\"1\"><span data-contrast=\"auto\">Encourage positive money conversations within your wh\u0101nau, making sure your tamariki understand the value of their activities \u2013 they may want to prioritise their favourite and try the new sport next year.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"-\" data-font=\"Arial M\u00e4ori\" data-listid=\"21\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial M\u00e4ori&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;-&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"12\" data-aria-level=\"1\"><span data-contrast=\"auto\">Research! Before you say yes, make sure you\u2019re aware of all the costs involved. Some kura also offer equipment hire or have partnerships with associated p\u0101kihi (businesses) that may be able to offer a discount.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Most importantly, congratulations! Starting kura is an incredible milestone and should be celebrated. We acknowledge that this does include a number of costs, and encourage you to start your research in advance, to ensure both you and your tamariki are excited for the first day.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The final whaakaro we\u2019ll leave you with, is a reminder that your tamariki will grow, both in knowledge and through quite a few shoe sizes! You may also have a number of tauira (students) in your wh\u0101nau, and extended wh\u0101nau \u2013 who will all be travelling through the curriculum across different years. You\u2019ll have numerous opportunities to save, shop smart, discover #mumhacks, and share these leanings with the other wahine around you.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">He waka eke noa, remember you\u2019re not alone \u2013 a number of us share the same challenges. If you haven\u2019t joined our wahine group yet, nau mai haere mai \u2013 we warmly invite you to join us, within a likeminded group of wahine <a href=\"https:\/\/www.facebook.com\/groups\/3383475411940344\">just click here to join now!<\/a><\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:120}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><em>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.<\/em><\/p>\n<p><em>The links shared and associated content on this website have not been vetted or otherwise approved by Whai Rawa Fund Limited and neither Whai Rawa Fund Limited, nor Te R\u016bnanga o Ng\u0101i Tahu endorse the linked material or its provider in any way. The information provided by these links and third-party providers is not personalised to you and your situation.\u00a0 Before making any investment decision, or taking any action or not, you should refer to the Product Disclosure Statement and \/ or consult a licensed financial advice provider.<\/em><\/p>\n<p><em>Whai Rawa Fund Limited is the issuer of the Whai Rawa Unit Trust. A copy of the Product Disclosure Statement is available at www.whairawa.com\/pds. A financial advice disclosure statement is available for Whai Rawa Fund Limited at www.whairawa.com\/financial-advice.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Move over math flashcards, preparing financially for your tamariki to start kura is important homework\u00a0for you, before your little one\u2019s first day!\u00a0 \u00a0 We had&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"class_list":["post-1132","post","type-post","status-publish","format-standard","hentry","category-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HOW TO PREPARE FINANCIALLY WHEN YOUR TAMARIKI START KURA - W\u0101hine<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/whairawa.com\/wahine\/articles\/how-to-prepare-financially-when-your-tamariki-start-kura\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HOW TO PREPARE FINANCIALLY WHEN YOUR TAMARIKI START KURA - 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