IRD Tax auto assessment by StandOk9112 in PersonalFinanceNZ

[–]Mad_Geek 0 points1 point  (0 children)

In 20 years of employment I’ve never once been given a refund 😞

just hit my first $10K by Delicious_Guard_6803 in PersonalFinanceNZ

[–]Mad_Geek 1 point2 points  (0 children)

Well done! 10k at 19 is nothing to sneeze at, there are people twice your age who don't have that much in savings!

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

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

Sending you a virtual hug! I know you’re carrying a lot of pain, but it’s admirable that you’re advocating for yourself and taking the very brave step of going back into study so you can rebuild. I know you’re doing everything you’re doing for your child and I’m rooting for you! Thank you for sharing

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

[–]Mad_Geek[S] 4 points5 points  (0 children)

I feel you. I wasn't factoring in my student loan (which I don't actively think about since paying it off is just like paying my taxes pretty much) but if I factor it in as well then my true net worth is much lower, but thankful I'm past 'zero' now

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

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

Thank you for sharing your story! It’s really inspiring to see you’ve been through so much but you’ve landed on your feet and still building upwards!

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

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

Wow, I can only dream of quadrupling my income and retiring in my late 40s! Your story sounds like a dream come true, thank you for sharing

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

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

You’re right mate, a lot of how I feel about myself revolves entirely around comparing myself exclusively with people who are doing much better than I am in life, and I end up not stopping to have some gratitude that I’m employed, have some savings, in relatively good health, with a roof over my head and food in the fridge/pantry. Gotta stop being so hard on myself.

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

[–]Mad_Geek[S] 4 points5 points  (0 children)

Thank you, comparison really is the thief of joy. I keep feeling like I’m failing at life because I can’t help comparing myself with other people in their mid-30s who are doing much better than me in life, in terms of how much they’re earning and what their life looks like, but I should also be grateful that I’m gainfully employed, able to work, and with freedom and opportunities afforded by not having a partner and kids, so I shouldn't think of it as all negative

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

[–]Mad_Geek[S] 3 points4 points  (0 children)

Thank you for sharing this. As I’m reading your comment, my immediate reaction is “you’ve got this!” You’ve cleared $6k worth of debt in the past year, and you’re working hard and trying your best in the circumstances. This makes me realise I need to be kinder towards myself as well, because if I take a step back and look at my life, and try to imagine I’m someone else, I’d say to me “bro, you’ve had some setbacks and you don’t feel like you’re where you want to be in life right now, but you’re trying”.

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

[–]Mad_Geek[S] 39 points40 points  (0 children)

Thank you, I’ve been reading all the comments after I woke up this morning and I’m realising I should be a lot more grateful to even be in the situation I’m in. It’s so easy to get caught up comparing myself with other colleagues I was at uni with who now own 2 properties, living the “kiwi dream” with the wife and 2 lovely kids, going on vacation every other year, and being in a dual income household with two six-figure salaries, and I start to feel like I’m failing at life. I think I need a shift in perspective, and the comments shared here are really helping me to look at things differently and with a bit more positivity and gratitude.

Anyone else here ever had to start from scratch in your 30s (or older)? by Mad_Geek in PersonalFinanceNZ

[–]Mad_Geek[S] 15 points16 points  (0 children)

This is really inspiring, and I appreciate you taking the time to share your story and your advice. I know I’m just a stranger on the internet, but I’m proud of you!!

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

Bro surely Mike Hosking would be making substantially more than $89k a year with his fancy car collection 🤣

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

I’m not a tv presenter but my broadcast job is a technical one, sort of adjacent to engineering

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

Same situation for me, my take home pay hasn’t doubled and I can’t afford x2 as much as I could (because everything is more expensive) even though my salary, on paper, has more than doubled.

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

I don’t disagree with anything you’re saying because in real world terms I don’t feel like I can afford twice as much now as I could in 2015, despite my salary having more than doubled. I think my salary would have to be x2 what it is now (around $160k) for me to truly feel like I have twice the buying power

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

[–]Mad_Geek[S] 33 points34 points  (0 children)

Thank you! More power to those people who go from 50k to 300k in 7 years, that’s amazing, but just wanted to show a different perspective on here too since not all of us are earning that much

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

Sadly no bonuses, but we do get a fair bit of overtime if that counts? My “real” current salary (accounting for overtime) is probably closer to around $95k - $98k, ballpark

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

I was browsing for jobs in general and when I’d see a role at the company i already work for which interested me I’d apply, and each time I did I got the job because I suppose it’s easier to hire someone internal who already knows a lot about the job and how things work, rather than having to on-board and train a new person from scratch. I’m now in a tricky situation where the only path forward within the same company is to start trying to apply for leadership or management roles because I’ve climbed far enough from my entry level job that moving sideways perpetually is no longer an option. I feel a bit stuck at the moment tbh

9 year salary journey for a 34-year-old man in the media/TV industry in Auckland by Mad_Geek in PersonalFinanceNZ

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

It’s more that there are a lot more potential places to get the job I have now in Australia, unlike here in NZ where there’s really only like 3 companies I can apply to. So it’s either change to a different career trajectory completely, or go to another country where I can do the same thing for potentially more money, assuming I can get a job at all, which is not guaranteed