Australia Explained: Sida loo qorsheeyo dhigaalka dhaqaale ee ilmahaaga

Qorshe-samaynta maaliyadeed waxay waalidka ugu muuqan kartaa mid adag. Marka aad ilmahaaga u samaynayso dhigaal dhaqaale, waxaad u baahan tahay inaad ogaato fursadaha kala duwan ee kuu furan si aad u qaadato go'aanka kuugu habboon.

Encouraging your child to allocate portions of their pocket money towards saving goals can help build healthy spending habits. Credit: Justin Ma/Getty Images

Key Points

• a. Si aad dhigaal dhaqaale ugu dhigto ilmahaaga, yaree deyntaada.
• a. Raadso talo xirfadle ka hor intaadan ilmahaaga u noqonnin dammiin dhaqaale.
• a. Ilmaha oo aad ku koriso fahamka qiimaha lacagtu wuxuu ka caawiya maaraynta dhaqaalaha marka ay koraan..

Sababo kala duwan ayaa jira oo waalidku lacag ugu kaydiyo mustaqbalka ilmahooda.

Dhaqaammo badan oo kala duwan waxaa laga yaabaa in carruurta laga fisho marka ay weynaadaan, inay caawiyaan waalidkooda. Laakiin Australia, waxaa caadi ka ah, in waalidku caawiyaan carruurtooda marka ay koraan, sida inay ka caawiyaan baabuurkooda ugu horreeeya, kharashka jaamacadd ama inay iibsadaan guri.

David Sharpe waa guddoomiyaha Ururka Financial Advice Association of Australia, oo ah hay’ad matasha la-taliyayaasha maaliyadeed.

Wuxuuna faahfaahinayaa kharashaadka ugu badan ee waalidiintu carruurtooda ka caawiyaan..

Waxay ka caawiyaan arooskooda, baabuurkooda ugu horreeya iyo inay guri iibsadaan. Guryaha ayaa hadda noqday mudnaanta koowaad. Haddii aad dib u eegto toban sano, arooska iyo baabuurka ayaa laga caawin jirey, laakiin maanta guri ay ku noolaadaan ayaa muhiim ah. Qiimaha guryaha oo kordhay awgeedna, waalid badan ayaa ka walwalsan sida ay carruurtooda ugu caawin lahaayeen inay guri helaan.”)) ayuu yiri

Marka ay timaaddo guri-iibinta, waalidiinta qaarkood carbuunta guringa ayay ka sii dhiigaan carruurtooda. Qaar kalena, waxay dammaanad-qaad uga noqdaan deynta guringa.

Shevaune Marchingo [Shee-vΑwn] [Mar-chIn-go]oo ka tirsan hay’ad dowladeedka Moneysmart, ayaa sheegtay in ay jiraan waxyaabo taxaddar u baahan marka aad rabto sidii aad dhaqaale ahaan u taageeri lahayd carruurtaada.

((“Haddii aad go’aansato inaad ilmahaaga siiso lacag si aad u caawiso, samee heshiis qoraal ah oo qeexaya inta aad siisay iyo sida uu kuugu soo celin doono. Qorshahaas ayaa sidoo kale noqonaya caddaaalad, haddii aad carruur kale leedahay oo aad rabto inaad iyagana caawiso. Haddii aad dooneyso inaad damaanad-qaade ka noqoto amaahda deynta guriga ilmahaaga, waa inaad aad uga taxaddartaa. Haddii ilmahaagu bixin waayo amaahda, waxaa laga yaabaa in adiga lagaa qaado, sidaas darteed waa arrin u baahan fiiro gaar ah. Kahor intaadan damaanad-qaadin amaah-na, la tasho la-taliye maaliyadeed oo rukhsad haysta.”)) ayay tiri.

Moneysmart waa bog ama website dowladeed oo ay maamusho Hay’adda Australian Securities & Investments Commission. Waxay dadka Australian-ka ah siisaa macluumaad madax-bannaan oo ku saabsan go’aannada maaliyadeed ee muhiimka ah, sida qorshaynta mustaqbalka dhaqaale ee carruurtaada.

Mar kale, waa tan Ms Marchingo:

((“Waxaa jira laba nooc oo la-talin maaliyadeed ah: mid guud, oo aan tixgelinayn xaaladdaada shaqsiyadeed ama yoolalkaaga, iyo mid gaar ah, oo si gaar ah ula eegta xaaladdaada iyo yoolalkaaga maaliyadeed. Waa muhiim inaad ogaato midka aad rabto. Tallaabada xigta waa inaad heshaa la-taliye maaliyadeed oo rukhsad haysta. Waxaanad ka heli kartaa diiwaanka la-taliyayaasha ee Moneysmart.”)) ayay tiri

Haddii aadan awoodin la taliye gaar ah oo aad lacag ka bixiyo, waxaa jira kuwo lacag la’aan kugu caawin kara. Waxaad la-taliyayaasha bilaashka ah ka heli kartaa National Debt Helpline ama bogga Moneysmart.

Mr Sharpe ayaa isna ku talinaya, in ay waalidku qudhoodu iska bixiyaan ama yareeyaan dayamaha lagu leeyahay inta aanay bilaabin kaydka dhaqaale ee carruurta.

Check for any tax benefits when committing to long-term investments, like insurance bonds. Source: Moment RF / Traceydee Photography/Getty Images

((“Faham qaldan ayaa ka jira in kaydinta carruurta si gooni ah loo sameeyo, loomana baahna. Haddii aad adiga qudhhaadu gurigaagii ugu horreeyey hadda iibsatay, waxaa fiican inaad marka hore iska bixiso deyntaada, si ay mustaqbalka kuugu howl yaraato inaad carruurtaadana caawiso. Marka aad deynta iska bixisana waxaa kaa yaraanaya dulsaarka.”)) ayuu yiri.

Waxaa jira siyaabo kala duwan oo loo kaydiyo lacagta mustaqbalka carruurtaada — sida in lagu biiriyo akoonnada kaydka, in muddo cayiman la maal-geliyo, iyo maalgashi muddada dheer ah.

Waxaa iyaguna jira, sida uu leeyahay Mr Sharpe, nooc maal-gelin ah oo muddo dheer la sugo nacfigeeda oo la yiraahdo Investment bonds.

((“Waxaa jira hab kale oo loo yaqaan investment bond ama insurance bond. Waa nooc maalgashi ah oo loogu talagalay muddo toban sano ama ka badan, wuxuuna leeyahay faa’iidooyin canshuur-dhaaf. Haddii aad sannadkii dhowr kun oo dollar u kaydiso cunugaaga, marka ay tobankii san dhammaato, lacagta kuu soo noqota ee aad la baxdaa waa cashuur la’aan.”)) ayuu yiri

Waxaa sidoo kale muhiim ah in la ogaado in ay jiraan barnaamijyo dowladeed iyo kuwo bulsho oo ka caawin kara qoysaska inay gaaraan yoolkooda kaydinta, sida barnaamij la yiraahdo “matched savings programs” ama Income Support Program oo laga helo Centrelink. Macluumaadkaana waxaa laga heli karaa website-ka Services Australia.

Haddaba, intee bay le'eg tahay awooddaada maamulidda lacagtu?

Sida ay Moneysmart qiyaastay, saddexdii qof ee Australiyaan ahba midkood ayaa dareemaa walbahaar marka uu maamulayo maaliyaddiisa. Dad badanna wayba ku adag tahay inay ka hadlaan arrimahooda lacagta.

Caroline Stewart waa madaxa hay’ad la yiraahdo Ecstra Foundation, oo dugsiyada Australia ka qabata barnaamijyo ardayda bara fahamka maaliyadda.

Waxay leedahay, waa muhiim in qoysasku goor horeba carruurta kala hadlaan arrimaha lacagta.

A simple exercise if you're at the shops with your child is to get them compare the cost of two items and help you make a choice together. Credit: rudi_suardi/Getty Images

In ilmaha la baro maamulka lacagtu ma muhiimbaa?

((“In kasta oo ay u muuqato wax aan caadi ahayn, in lacag lagala hadlo carruurta yaryar, haddana carruurtu way fahmaan farqiga u dhexeeya baahida iyo rabitaanka iyo waxa ay rabaan inay iibsadaan.”)) ayay tiri.

In carruurta laga qayb geliyo xaaladaha dhabta ah ee noloshu, waxay ka caawisaa inay fahamaan fikradaha aasaasiga ah ee maaraynta lacagta, sida ay sheegtay Ms Stewart.

Using appropriate language and examples for your child’s age, like saving for an excursion or a birthday party, you can introduce financial planning learnings early on, Dr Zeka says. Credit: Maskot/Getty Images/Maskot

Yaraan intee le'eg baa carruurta lagu bari karaa dhaqaalaha?

((“Haddii aad dukaanka joogto oo ilmahaagu wax codsado, waxaad u isticmaali kartaa fursad waxbarasho. U sharax sababta uu qiimahu u kala duwan yahay, ama u oggolow inuu is-barbar dhigoq qiimaha laba shay oo aad markaa, wada jir u go’aamisaan, kaad iibsan lahayd.”)) aya tiri.

Dr Bomikazi Zeka, oo ah bare sare oo ku takhasusay maaliyadda iyo qorshaynta maaliyadeed ee Jaamacadda Canberra University, waxay leedahay, xitaa carruurta yaryar waa la bari karaa miisaaniyadda haddii tusaale habboon la siiyo, sida qorshaynta xaflad dhalasho ama lacag loo kaydiyo xaalad degdeg ah.

((“Had iyo jeer waa wanaagsan tahay in lacag loo keydiyo xaalad degdeg ah, laakiin sidee cunuggu u fahmaa taas? Marka ay waalidiintu carrurta ka qayb geliyaan ka hadalka qorshaynta lacagta, waxay carruurta barayaan qorshaynta maaliyadeed, waxayna tusayaan in jeebka aabo iyio hooyo, aanu ahayn mid aanay lacagtu ka dhammaanin.”)) ayay tiri.

Waxay Dr Zeka intaa kusii dartay, in marka ilmahaaga laga qayb geliyo qorshaynta maaliyadeed ee qoyska, ay ka caawiso inuu noqdo, qof kalsooni leh oo go’aammo sax ah ka qaata arrimaha lacageed mustaqbalka

((“Marka wadahadalladaas loo bilaabo goor hore, waxay noqdaan dad qaangaar ah oo kalsooni leh oo fahma, is-barbardhigga halista iyo faa’iidada maaliyadeed. Aakhirataankana waxaynu rabnaa, inaynu uga tagno dhaxal ah, fahamka maaliyaddda”)) ayay tiri.

Xasuusnow markaa, dakhligaagu ha sarreeyo ama ha hooseeye’e, horey ugu bilow inaad carruurta kala hadasho qorshaynta maaliyadda ee qoyska.

Disclaimer: Waxaa naga xasuusin ah, in macluumaadkani yahay mid guud. Ka hor inta aadan go’aan gaarin, raadso talada xirfadle maaliyadeed oo diiwaan-gashan. Haddii aad ku sugan tahay xaalad maaliyadeed oo adagna, waxaad talo ka raadsan kartaa National Debt Helpline oo telephone-lkoodu yahay 1800 007 007.

La taliye dhaqaale oo diiwaan gashan oo keliya isticmaal. Waxaad ka helikartaa Moneysmart’s Financial Advisers Register.

Talooyin kale ka hel luqadaha kale here. Qorsheeyey maaliyadeed oo bilaash online ah halkan ka hel: Simple Money Manager. 

Nagu soo biir oo la la soco Australia Explained si ay kaaga caawiska degitaanka waddanka iyo ku xasilka noloshaada cusub.   

Su'aal ma noo haysaa? Fekerse ma nagu soo biirinaysaa? noogu soo dir: [e-mail]