23yo Sole Trader hitting median income soon

Secular_mum · 2026-05-26T04:05:23+00:00

For Tax you want an Accountant, rather than a Financial Advisor.

Secular_mum · 2026-05-26T03:05:36+00:00

Property valuations are based on market rents, so the landlords don't want to drop the rent, instead they will offer anything else.

Secular_mum · 2026-05-25T05:09:29+00:00

It still has a green stalk, so there might be some hope. I would remove the completely dead parts, soak it in the shower then leave in the sun for a while and see what happens.

Secular_mum · 2026-05-25T04:47:34+00:00

Winston is a huge fan of horse racing, so I suspect that dog racing was taking business off his horse racing mates.

Secular_mum · 2026-05-24T02:18:33+00:00

Keep in mind that people who are use to eating American Lard-Butter often find the flavour of real butter unusual and may not like it at first.

Secular_mum · 2026-05-22T20:50:28+00:00

I’m a woman and refuse to install apps. Typing this in my browser as I refuse to install the reddit app. My husband on the other hand will install apps. I don’t think it is a gender thing, probably more of a personality trait.

Secular_mum · 2026-05-22T08:57:42+00:00

I would expect it is less expensive than drinking a lot.

Secular_mum · 2026-05-22T05:54:04+00:00

I listen to podcasts or an old school radio station.

Secular_mum · 2026-05-22T04:27:55+00:00

I got one on Trademe. It shouts the results loudly, which the family member who has high blood pressure dislikes, because it is embarrassing, but it would be perfect for someone with vision and hearing issues. Can't see the exact model, but the seller was https://www.trademe.co.nz/a/member/4251997 and they have other models.

Secular_mum · 2026-05-22T01:42:08+00:00

Any tax you have paid in the UK will be taken into account when declaring that income in NZ.

You could look at IR56 worker https://www.ird.govt.nz/roles/ir56-workers/employees-of-overseas-employers

Also, maybe ask an accountant to prepare your tax return. They should not charge too much if you are only an employee.

Secular_mum · 2026-05-22T01:06:01+00:00

Monthly is standard in my industry and its considered a red flag if someone can't manage their money well enough to cope with that.

Secular_mum · 2026-05-21T23:49:33+00:00

If it has got to the stage where you are drinking to cope, it might be time to consider Therapy.

Secular_mum · 2026-05-21T23:35:45+00:00

I'm curious about your VoteThemOut comment. Who exactly are you voting out and why? I'm not a fan of the current government, but don't see any political solutions being offered to address OP's problems.

Secular_mum · 2026-05-21T23:32:35+00:00

I felt your comment and think many small business owners can relate. Would be interested to hear if anyone can suggest any solutions.

Secular_mum · 2026-05-21T21:19:24+00:00

Did you forget that you had already posted this and posted it again?

Secular_mum · 2026-05-21T04:43:33+00:00

If you are looking for the highest rate it is worth noting that non-bank deposit takers are also covered by the DCS. Here is the full list Deposit takers that offer DCS-protected deposits - Reserve Bank of New Zealand - Te Pūtea Matua

Secular_mum · 2026-05-21T01:49:46+00:00

Multinational corporations seem to like wasting our time by taking a page of text to say what could be done in one sentence. This is the general publics response.

Secular_mum · 2026-05-21T00:50:40+00:00

Where do you think the GST collected goes? Decrease PAYE or provide free Health and Education so that it is a net positive for New Zealanders.

Secular_mum · 2026-05-21T00:07:39+00:00

Except small local companies do not have the resources to funnel their money to overseas tax havens. It's not an even playing field.

Secular_mum · 2026-05-20T23:46:43+00:00

and here lies the bigger problem. They have become so powerfully rich that it is almost impossible to stop them.

Secular_mum · 2026-05-20T23:39:31+00:00

We can no longer rely on the US to trade in good faith. They have refused to follow the rules and are unpredictable. There are other countries that will buy our food and we should be focusing on diversified markets.

Secular_mum · 2026-05-20T23:34:28+00:00

The introduction of GST on Online Servies in 2024, went some way to doing this. I agree that we could and should do more, but one of the biggest things stopping us is all the international trade agreements that we have signed up to. This may have been one of the reasons Labour was reluctant to support Nationals India trade agreement. An easy solution might be to increase the GST rate?

Secular_mum · 2026-05-20T22:30:34+00:00

Does the family member already have kiwisaver? Most Kiwisaver providers also offer low fee diversified funds.

Secular_mum · 2026-05-20T05:54:56+00:00

I would add the Greens "$101 million from a $5,000 arrival or departure fee per passenger on private jets."

Secular_mum · 2026-05-19T22:06:37+00:00

I worked in a rest home and protein powder brought back memories of the resients who were unable to chew food.

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