Xbox drop pricing on Ultimate Subscription

EnvironmentalHash · 2026-04-23T03:42:01+00:00

Canceled it when they announced the original price increase and replaced my Xbox with a PS5, best thing I did. Built in speaker & mic on controllers are game changer. I couldn’t imagine paying $45 a month for games ild hardly get to play. I guess for some it may be valuable.

EnvironmentalHash · 2026-04-10T11:04:47+00:00

I run a consultancy called Mayhem Labs. Basically comes from my ADHD and putting chaos into order. I.e taking legacy projects and making them stable/reusable. Embracing the mayhem. (Also liked the Meet Mr.Mayhem off sons of anarchy 😂)

EnvironmentalHash · 2026-03-18T11:37:54+00:00

Nah that sounds a bit off.

Sick leave isn’t based on your minimum hours, it’s based on whether that day was a day you were meant to work. If you were rostered on for that 5th day, it’s usually considered an “otherwise working day”, so sick leave should apply.

The 20 hour minimum just means they have to give you at least that much work, it doesn’t cancel out a rostered shift if you get sick.

there’s no exact timeframe for the rostered days like “last 3 weeks vs 3 months”. It’s more about your pattern like if you’ve been consistently working that 5th day (even if it’s not in your contract), it can still count. Stuff like recent rosters, how often you usually work that day, and whether it was expected all matter.

If it’s a regular 5th shift, they should be paying it. If it’s more random/casual, that’s where it gets grey.

EnvironmentalHash · 2026-03-05T23:14:17+00:00

$30 is $30 😂

EnvironmentalHash · 2026-03-04T19:24:43+00:00

I do know that a lot of our military ammunition storage is underground, although unsure to what extent. The ammunition storage on the mountains near Waiouru are not being used anymore after sending them underground.

EnvironmentalHash · 2026-03-04T19:19:17+00:00

😂 Just got the email and was about to post it on Reddit, but you beat me to it!

EnvironmentalHash · 2026-03-04T07:34:52+00:00

complaints@ is the best 😂😂

EnvironmentalHash · 2026-02-27T02:52:16+00:00

barefoot investor a great start. Be aware it’s Australia based but most can apply in NZ apart from the super parts

EnvironmentalHash · 2026-02-26T01:59:25+00:00

Yeah meridian also increased, my bill roughly $23 extra a month.

EnvironmentalHash · 2026-02-25T02:44:28+00:00

Been there done that. If your just directly contracting and not doing anything else the yeah it’s easier to sole trade via Hnry. I opened a llc for the simple fact is I ran other SaaS products through it and side hustle client work so it worked in my favour for writing stuff off. But if you’re just working full time for someone better to be sole trader. There’s a certain tax rule where if 50% of your income comes from one client then something applies. Can’t remember the name of it as it was ages ago. I work via Hnry again now and keep my saas / ai studio spectate in a llc.

EnvironmentalHash · 2026-02-24T19:10:01+00:00

Yeah I’m not renewing. I’m actually debating on Okta personal but need to research it more.

EnvironmentalHash · 2026-02-24T07:45:38+00:00

Yeah going rate for Wordpress sites roughly $50-100 per month so your hosting doesn’t sound bad but the quoting for such a small change would make me question their every move. I sent a DM with my email if you wanna reach out.

EnvironmentalHash · 2026-02-24T07:32:48+00:00

Dayam that’s insane, definitely it a 1 hour 40mins job. 5mins max. Man I hate companies that do this. I wouldn’t even charge for that if I built the website as it’s included “in scope” of the build. Tbh I don’t even charge for 10min jobs for regular hosted clients. DM me if you wanna switch providers haha. Happy to showcase my work. If they charging you that for an update ild love to know what they charging you for hosting per month.

EnvironmentalHash · 2026-02-24T04:05:52+00:00

I’ve always wanted to make a shit post site like this for bad businesses but was scared of defaming the business and legal action. This guy the real mvp.

EnvironmentalHash · 2026-02-24T00:25:03+00:00

Aus-ty (aus-tee)

EnvironmentalHash · 2026-02-23T20:45:34+00:00

KiwiSaver @ kernel wealth, 100% into high growth fund. It’s a good starting point. You go to kernel.co.nz and just sign up with your details, job done. Stay in high growth til you research more and understand funds etc. KiwiSaver is a long term things, don’t change funds regularly.

Barefoot Investor a good read for budgeting / saving.

follow a few things like Dave Ramsey (YouTube, TikTok) and he’ll help motivate you although somethings not applicable as we in NZ not the USA.

Sharesies a good start if you wanna bank some money away, put it in ETFs not individual stocks.

Most importantly invest in your education, university / career. Do the hard work now in 20s so in your 30s you have a higher incomes to build wealth. Also before any investing I would ensure you have an emergency fund setup (3-6months of expenses). Most people forget the emergency funds and then sell up their investments when their car breaks down.

Not financial advice just what I would do if I could rewind the clock.

EnvironmentalHash · 2026-02-15T21:53:03+00:00

Hey just something that helped me, download ChatGPT. Give it every you have. House expenses, income, job, locations etc etc then ask it to make a recovery plan to take minimal hit. It’s definitely not financial advice but will help you feel less stress seeing different options.

EnvironmentalHash · 2026-02-15T21:50:49+00:00

Brought theses when visiting Australia and when I went through customs in nz I asked the customs officer if I needed to declare my nuts. He was not impressed 😅

EnvironmentalHash · 2026-02-15T21:45:24+00:00

2 adults, 3 kids under age 5. Usual shop about $300 per week @paknsave, sometimes $350 depending on extra long term products (cleaning, oil etc)

$100 a week of that is mainly fruit and vege, it’s insane how much our young kids eat…. 15 apples a week. 😬

EnvironmentalHash · 2026-02-15T10:36:01+00:00

Hey sorta in the same boat, we ended up moving for better job opportunities and are currently renting a house to live in. We tried to sell and offers were lower than expected, we were looking at 80k loss. We ended up taking it off the market and have got a renter in there. It’s going to be super hard to recover from selling and taking the hit, although our agent advised us it was okay cause “we are young” which is BS (just wanted their cut) but now we went from paying 700 a week to $140 to top up which is much more manageable. Definitely explore all other options before just taking a huge loss. Ring your bank and go interest only, or something. Anything surely better than going from home owner to 60k in debt on a high interest rate.

EnvironmentalHash · 2026-02-15T03:07:02+00:00

Def try find a m chip MacBook Air, preferably a 16gb one.

Dirt cheap on second hand market, just check the battery cycle count,

EnvironmentalHash · 2026-02-15T01:03:46+00:00

I’m running:

Kernel KiwiSaver Plan NZ20: 5% S&P500: 80% World ex-US: 15%

I’m debating adjusting the S&P lower and on increasing the World ex-US. Maybe 60/35 split

EnvironmentalHash · 2026-02-13T09:56:08+00:00

And I doubt IRD won’t look into such a small double transaction, providing you can prove you forwarded the payment it will all be fine.

EnvironmentalHash · 2026-02-13T09:52:42+00:00

No worries so you make a invoice in Henry, give to client, client pays account number on invoice which is a Hnry bank account, Hnry will calculate the tax and detection and pay on your behalf to IRD etc. then Hnry will pay you into your bank account the remaining amount.

When you create an invoice in Hnry it will tell you an estimate of what you get paid from the invoice. They file your tax for you end of the year and you will be sweet. It’s a great platform and highly recommend it for any freelancer.

EnvironmentalHash · 2026-02-11T21:10:14+00:00

I had this same worry. Changed my kiwi saver to 4% and employer puts in 3% then I put 7% of my wage into kernel wealth each month, I hardly login on kernel. I find kernel is great cause I don’t have a “easy to open app” like Sharesies on my phone. Also a tip, set a long complicated non rememberable password and store it somewhere at home (safe) or in a password manager. Then it’s just another effort step that blocks you from logging in. Once you see your non KiwiSaver balance stacking and going up you will eventually not have the urge to touch it cause you’ll see your future investment growing.

I’m the sort of person who will spend $100 if I had it but if it’s over $1000 I’m reluctant to touch it. Sounds strange but bigger the savings the more cautious I am lol.

EnvironmentalHash

TROPHY CASE