{"id":1525,"date":"2025-07-16T23:46:24","date_gmt":"2025-07-16T23:46:24","guid":{"rendered":"https:\/\/whairawa.com\/wahine\/?p=1525"},"modified":"2026-01-20T00:56:43","modified_gmt":"2026-01-20T00:56:43","slug":"capitalise-in-2025-what-and-why-budgeting-101","status":"publish","type":"post","link":"https:\/\/whairawa.com\/wahine\/articles\/capitalise-in-2025-what-and-why-budgeting-101\/","title":{"rendered":"Capitalise in 2025: What and why &#8211; budgeting 101"},"content":{"rendered":"<p><strong>Kia ora w\u0101hine m\u0101! July is here and this month we are all about budgeting!<\/strong><\/p>\n<p>Budgeting is the creation of a plan of how you are going to spend your money based on your income and expenses. It may sound boring, but it can be really helpful to get you on track or keep you on track!<\/p>\n<p>You can start a new budget anytime, however the most obvious times to do this are when you are experiencing an increase or decrease in your income, or when additional expenses pop up in your life.<\/p>\n<p>Creating a budget can help you to estimate how much you are currently spending, help you to avoid overspending, and allows you to reflect and change your spending to align with your financial goals.<\/p>\n<p>If you have yet to create a budget, karawhiua!<\/p>\n<p>But, if you already have a budget, it is helpful to reassess and see if it continues to align with your goals.<\/p>\n<p>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. All content is subject to WRFL\u2019s financial advice disclosure statement available here www.whairawa.com\/financial-advice<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kia ora w\u0101hine m\u0101! July is here and this month we are all about budgeting! Budgeting is the creation of a plan of how you&#8230;<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"class_list":["post-1525","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>Capitalise in 2025: What and why - budgeting 101 - 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\/capitalise-in-2025-what-and-why-budgeting-101\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Capitalise in 2025: What and why - budgeting 101 - W\u0101hine\" \/>\n<meta property=\"og:description\" content=\"Kia ora w\u0101hine m\u0101! 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