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ᐃᓕᓐᓂᐊᕈᑎᒃᓴᑦ 3    ACTIVITY 3

ᓯᓚᑐᓂᒃᑯᑦ ᑮᓇᐅᔭᖅᑑᑎᖃᕐᓂᖅ

ᐃᓱᒪᑦᓴᖅᓯᐅᕈᑕᐅᒋᐊᓖᑦ  ᐱᒻᒪᕆᒻᒥᒃ ᓂᐅᕕᓚᐅᙱᓂᓐᓂ

Wise Spending

things to consider before making a big purchase

ᐃᓗᓕᕆᔭᐅᔪᖅ ᐅᔾᔨᖅᑐᑦᓯᐊᕐᓂᒃᑯᑦ ᐸᕐᓇᐅᑎᖃᕐᓂᕐᒧᑦ ᐊᑐᕈᓐᓇᕐᓂᖅ ᐃᑲᔪᖅᑐᖅᑕᐅᔾᔪᑎᓂᒃ ᐊᑲᐅᓈᖅᓯᒪᓂᖅᐹᒃᑯᑦ. ᐃᓚᖓᓂ ᐊᑭᓕᑦᓴᒨᑲᐃᓐᓇᕆᐊᖃᑐᐃᓐᓇᕆᐊᓕᒃ ᑭᙴᔭᐃᑦ ᐱᒐᓱᐊᕐᓗᒍ.  

An aspect of conscientious and careful planning is to be able to use your resources in the most effective ways. Sometimes it is necessary to enter into some debt to secure what you need at the moment.

ᓲᕐᓗ ᖃᒧᑕᐅᔭᖅᑖᕆᐊᖃᑐᐃᓐᓇᕆᐊᖃᕋᕕᑦ ᓂᕿᑦᓴᖅᓯᐅᕈᑎᒋᓐᓇᕐᓂᐊ-ᕋᕕᒋᑦ ᐃᓚᑎᑦ. ᐃᒻᒪᖃ ᐊᑐᕆᐊᖃᑐᐃᓐᓇᕆᐊᖃᖅᑐᑎᑦ ᐊᑭᓕᑦ-ᓴᓂᓪᓗᑎᓪᓘᓐᓃᑦ. 

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ᐅᑯᐊ  ᐃᓱᒪᑦᓴᖅᓯᐅᕈᑎᒋᒍᓐᓇᖅᑕᑎᑦ  ᓂᕈᐊᕈᒪᔭᓐᓄᑦ:

For example, you might need a snowmobile so that you can hunt for your family. This may require a loan or buying on credit.

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Here are some ways to consider your options:

ᓇᑭᑦ ᓂᐅᕕᐊᕆᒍᓐᓇᖅᑲᕋ ᑭᙴᒪᒋᔭᕋ? ᖃᓄᐃᑦᑑᕙᑦ ᐊᑭᖏᑦᑕ ᐊᔾᔨᒌᙱᓐᓂᖏᑦ?

 

Where can I possibly purchase what I need? What are the cost differences?

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ᖃᓄᖅ ᑮᓇᐅᔭᓂᒃ ᐊᑑᑎᕕᒋᒍᓐᓇᖅᑲᕋ? ᖃᓄᐃᑦᑐᕙᑦ ᐊᑭᒋᔭᐅᔪᑦ ᐊᔾᔨᒌᙱᑦᑐᑦ/ᕿᑐᕐᖏᐅᕈᑎᓄᑦ ᐊᑭᒋᔭᐅᔪᑦ, ᐊᓯᖏᓪᓗ? 

 

How can I finance this purchase? What are the cost differences or interest rates, etc.?

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ᖃᓄᖅ ᑖᓐᓇ ᐊᑭᓕᖅᐸᓪᓕᐊᒐᔭᖅᑲᕋ? ᓱᓇᓂᒃᑭᐊᖅ ᓴᒃᑯᐃᒋᐊᖃᖅᑯᖓ ᐱᒍᓐᓇᕐᓂᐊᕈᒃᑯ ᑖᓐᓇ?

 

How will I pay for this over time? Do I need to give up something to be able to afford this?

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ᖃᒧᑕᐅᔭᖅᑖᕆᐊᖃᕈᕕᑦ ᑮᓇᐅᔭᓂᒃ ᓄᐊᓴᐃᒍᓐᓇᖅᑐᑎᑦ ᓈᒻᒪᑦᓯᖏᓐᓂᖏᓐᓂ ᐅᕝᕙᓗ ᐊᑐᕐᓗᑎᑦ ᑮᓇᐅᔭᓂᒃ ᐊᑭᓕᑦᓴᖅᑖᕆᓗᒍᓘᓐᓃᑦ. ᐊᑐᕈᕕᑦ ᑮᓇᐅᔭᓂᒃ ᐱᓴᐅᖅᑐᓂᖅᓴᐅᒐᔭᖅᑐᑦᓴᐅᔪᑎᑦ ᖃᒧᑕᐅᔭᕐᒥᒃ ᓄᐊᓴᐃᒍᔭᕐᓂᕈᕕᓂᑦ, ᑭᓯᐊᓂᑦᑕᐅᖅ ᐊᑭᓕᑦᓴᐃᔭᕆᐊᖃᕋᔭᖅᑐᑎᑦ ᐊᑐᖅᑕᓐᓄᑦ ᐊᑭᓂᐊᓘᕈᓐᓇᖅᓱᓂ ᐃᓕᓐᓄᑦ ᐊᑭᑐᓂᖅᓴᐅᓕᕐᓗᓂ. 

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ᖃᓄᖅᑑᕆᐊᖃᖅᑐᑎᑦ ᓱᓇ ᐊᑲᐅᓂᖅᐸᐅᒻᒪᖔ ᑭᙴᒪᒋᔭᓐᓄᑦ ᐅᔾᔨᖅᑐᕐᓗᑎᓪᓗ ᐊᑭᓕᑦᓴᓂᓗᐊᑦᑕᐃᓕᓗᑎᑦ ᐊᑭᓕᖅᑐᕆᐊᓕᑎᑦ ᐊᑭᑐᓗᐊᓕᑐᐃᓐᓇᕆᐊᖃᕐᒪᑕ. 

If you need to buy a snowmobile you can save your money until you have enough to buy it or you can take out a loan and buy it on credit. If you take out a loan you will probably be able to get the snowmobile faster than saving, but you will have to make payments on the loan and this could take a long time and cost you more in the end.

 

You have to decide what is the best way to get the things you need and be careful not to put too much on credit or your bills to pay it off might become too expensive.

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ᐱᓕᕆᖃᑎᒌᓐᓂᒃᑯᑦ  ᐋᖅᑭᓱᖅᑕᐅᓯᒪᔪᖅ ᑖᒃᑯᓇᙵᑦ  ᐃᓄᓕᕆᔨᒃᑯᑦ  ᐱᓕᕆᕝᕕᖓᓐᓂ ᐊᒻᒪᓗ  ᐊᕐᕕᐊᓂ  ᐋᖅᑭᐅᒪᕝᕕᒃᑯᑦ  -  Developed in partnership between Department of Family Services and Aqqiumavvik Society

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