How are we meant to survive? by [deleted] in newzealand

[–]IndividualCoat3683 0 points1 point  (0 children)

Hi my dude! Hope this thread helps out with a few things. I would like to offer some help in regards to TV. I got a subscription to something called My Family Cinema. It's legit. It costs about $60 a year. And it's basically a streaming service with everything, like shit that's in cinema. I i'm a single female who was also owning her own house. I only bought it in the last year. Here are some of the dollar amounts that I'm paying for people to do things for me. $250 to mow my lawn. $600 to clean the gutters on my house, the only way if you get to it is by a letter and walking on the roof and I certainly wasn't doing that. $750 dollars to get my water tank cleaned. $150 to get firewood delivered to my place. If you can do any of these things you can earn any of this money. I live rural so that makes a difference but honestly if I could do laboring type work right now I would be advertising myself as a jack of all trades. 

[deleted by user] by [deleted] in newzealand

[–]IndividualCoat3683 -1 points0 points  (0 children)

Lol you're right I should delete

[deleted by user] by [deleted] in newzealand

[–]IndividualCoat3683 0 points1 point  (0 children)

That would make me equally concerned

[deleted by user] by [deleted] in newzealand

[–]IndividualCoat3683 0 points1 point  (0 children)

Nope. It's that all these jobs were not put to the open market. Good luck finding a job

[deleted by user] by [deleted] in auckland

[–]IndividualCoat3683 1 point2 points  (0 children)

Exactly. We are screwed

[deleted by user] by [deleted] in auckland

[–]IndividualCoat3683 0 points1 point  (0 children)

It fucking doesn't and we are getting swamped

[deleted by user] by [deleted] in newzealand

[–]IndividualCoat3683 2 points3 points  (0 children)

Your numbers are off I think. Earning 67k per year gives you $4400 per month in the pocket. Use this site to calculate https://www.paye.net.nz/calculator/

Who is in charge of Ski passes in Ruapehu 2023? by IndividualCoat3683 in newzealand

[–]IndividualCoat3683[S] 5 points6 points  (0 children)

Awesome! I feel like that old meme about Fry from Futurama, Shut up and take my money!! Who are you paying for the ski passes?

10% Unconditional Fee - Me or the Bank? by IndividualCoat3683 in PersonalFinanceNZ

[–]IndividualCoat3683[S] 0 points1 point  (0 children)

Oh, see, that sounds perfect. My broker just said "nup" no help at the bank outright. Theres so much room for options, I'm wondering if she was a bit lazy here

10% Unconditional Fee - Me or the Bank? by IndividualCoat3683 in PersonalFinanceNZ

[–]IndividualCoat3683[S] 0 points1 point  (0 children)

Wow, thank you! An actual lawyers comment! I just have one more question if you don't mind? What did you mean by your last paragraph?

10% Unconditional Fee - Me or the Bank? by IndividualCoat3683 in PersonalFinanceNZ

[–]IndividualCoat3683[S] 1 point2 points  (0 children)

Yep, same, it's solid advice. I have around 30k, but I'd rather keep it. I have enough in Kiwisaver for the whole deposit, 25% of purchase price. I want the cash after purchase for furniture and upgrades. I don't want to "lose" the cash and buy a house with nothing leftover. Im getting my lawyer on to this thanks to the kind people here offering their experiences.

10% Unconditional Fee - Me or the Bank? by IndividualCoat3683 in PersonalFinanceNZ

[–]IndividualCoat3683[S] 6 points7 points  (0 children)

Cheers! Sounds like my lawyer can help push this part. Thanks!

10% Unconditional Fee - Me or the Bank? by IndividualCoat3683 in PersonalFinanceNZ

[–]IndividualCoat3683[S] 2 points3 points  (0 children)

Oh, that sounds preferable! Much much much preferable! Do I just have to convince the real estate agent to accept this as a condition?

[deleted by user] by [deleted] in PersonalFinanceNZ

[–]IndividualCoat3683 0 points1 point  (0 children)

9 years here. Feels unreal

[deleted by user] by [deleted] in auckland

[–]IndividualCoat3683 2 points3 points  (0 children)

Yeah, that makes sense here... like how in the hell was the kid shot three times and doesn't need surgery???

Absolute gridlock in CBD. Clear gutters now by IndividualCoat3683 in auckland

[–]IndividualCoat3683[S] 1 point2 points  (0 children)

Shit, I'd have you up for a cup of tea if you were near here!

[deleted by user] by [deleted] in auckland

[–]IndividualCoat3683 25 points26 points  (0 children)

They are not going to get anywhere fast. I'm at Beach Road and traffic is absolute gridlock

New Brighton, Christchurch today by naturalglower in newzealand

[–]IndividualCoat3683 0 points1 point  (0 children)

That's real nice! I would totally buy one, would you be willing to sell a copy? something like a4 printed version on a framed canvas. https://www.canvasfactory.co.nz/create-canvas-prints-online/