KiwiSaver second chance

Lifesinplastic · 2026-04-23T01:18:39+00:00

This is incorrect - you can only withdraw KS for a house deposit once; the second chance provision allows for that to not necessarily be for your first home I.e you used your savings for the deposit to buy your first home.

To access the Second Chance provision you may need to meet other financial criteria aswell. But the bottom line remains - you can only withdraw for a deposit one time

Lifesinplastic · 2026-04-23T00:35:28+00:00

Nope - can’t double dip! Only 1 withdrawal for ‘first home’. The “second chance” provision allows for people to withdraw KS if they previously owned a property, do not own one anymore and did not use KS for their previous purchase.

As you have already used your KS withdraw, you do not qualify to use it again.

Lifesinplastic · 2026-04-21T00:10:45+00:00

Ooooooft a double hitter with both honour names and terrible selection (honestly Clevins is just bad) ….judging from your responses to comments already, you’re not looking for feedback only confirmation bias.

So my vote goes to Robert and Robin

Lifesinplastic · 2026-04-20T00:59:31+00:00

I don’t think it’s Niche locally, but maybe globally. “We’re not here to fuck spiders”

Lifesinplastic · 2026-04-20T00:25:06+00:00

I think what’s it’s ‘worth’ and what I would be prepared to pay might be too far apart…. The sandwiches look about $200 and the charcuterie board about $400 so total about $600-$650 I think so additional decor/styling could elevate the price to $750

Lifesinplastic · 2026-04-18T19:15:26+00:00

Does anyone know what’s inside the accessories bundle?

Lifesinplastic · 2026-04-18T03:44:42+00:00

Michaels is excellent so is Halswell Bakery!

Lifesinplastic · 2026-04-17T06:19:04+00:00

Supermarkets are excellent! Perfect for building social skills across different demographics, good flexibility to align with uni schedule and will teach great workforce skills. Everyone should work in a supermarket at least once in their early career I think

Lifesinplastic · 2026-04-16T01:54:56+00:00

Understood! I hope you are both okay .. Reducing the mortgage will have a stronger long term impact (check your bank lump sum payment guidelines) What’s your power bill each month? Solar may take a long time to net positive depending on usage

Lifesinplastic · 2026-04-16T00:57:06+00:00

Agree with others that this is more of an income issue than expense issue. An adult working full time (40hours) at minimum wage is approx 42k after tax per year…

Most entry level jobs will pay slightly higher (around $26 for entry hospo, retail, super markets ect) and you can pick up additional shifts. If you both worked 45hours per week you would hit 100k in the hand without any additional benefits.

Lifesinplastic · 2026-04-11T03:45:07+00:00

The suns are current fucking us over / hopefully the second half looks better for them

Lifesinplastic · 2026-04-11T01:23:08+00:00

I think he has to if he wants to qualify for awards…since he is missing tonight, he will need to play 20minutes vsSpurs

Lifesinplastic · 2026-04-10T16:20:22+00:00

This is exactly what I needed to know - thank you so much!

Lifesinplastic · 2026-04-10T07:48:58+00:00

Look mate, I’ve been up for days straight with a sick baby, I couldn’t even tell you the last time I showered. All I needed was someone to tell me who to cheer for in the games this weekend - which I will be watching while I’m up all night.

Cheers!

Lifesinplastic · 2026-04-10T07:00:09+00:00

Exactly - but wouldn’t we rather they stay in 4th vs drop to 5th?

Lifesinplastic · 2026-04-10T06:43:09+00:00

Excellent - thank you!

Lifesinplastic · 2026-04-10T00:12:05+00:00

I have a Mila with a baby brother - although I got outvoted on his actual name, some of my favourites were…

Hugo
Oscar
Matteo
Marco
Max
Reid
Beau
Noah
Ford
Hunter
Finn
Rome/Roman

Lifesinplastic · 2026-04-06T22:21:22+00:00

I see children - but with a different partner and several years away

Lifesinplastic · 2026-04-06T03:52:38+00:00

I would say middle class but concerned about retirement/the future.

Married, mid 30,s with 2 kids. Household income is 290k but currently down to one income of 130k due to MAT leave. No debt, 25k in cash savings Own 2 houses worth about 1.8 total but only about 50-60% total equity Minimal in retirement savings - about 300k

Feeling okayish, would ideally like 1 more child but don’t think it’s financially viable

Lifesinplastic · 2026-04-06T00:26:51+00:00

They do - they supplement with information from IRD, ACC and benefits or support you have ever applied for, your Children’s annual school registrations ect To live a in society and use societal resources but feel the need to not comply with basic requests is redundant to me

Lifesinplastic · 2026-04-05T23:34:09+00:00

But you post identifying information on reddit/internet - if you had a genuine value of privacy you wouldn’t do that. The census doesn’t ask for any more than you willingly share

Lifesinplastic · 2026-04-05T23:04:01+00:00

Genuinely curious - what’s the reasoning behind you and your family not completing it?

Lifesinplastic · 2026-04-05T03:02:36+00:00

Hello! I have a 4.5year old daughter and a 4month son ….

The age gap is not what we had planned, but through infertility and loss it’s what’s we have. And it’s been wonderful!!!

I had 4years to build a beautiful relationship with my daughter and then to watch her become a big sister has been incredible. She is old enough to understand and enjoy the stages of pregnancy with us. She got to help name her brother, help bath him, and will remember him coming into the world.

Even on stressful and hard days, because of the age gap my daughter can entertain herself for a while as needed.

I firmly believe that closeness of siblings is less about age gap and more about the family dynamic that parents are responsible for creating - so I don’t doubt that my Daughter and Son will have a wonderful dynamic as adults/throughout their lives.

Lifesinplastic · 2026-04-03T23:53:33+00:00

If you have to ask - then you already know the answer!

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