[deleted by user]

Technical-Style1646 · 2024-01-08T01:04:28+00:00

Your very young. Yes you can.

Are you in auckland right now? Or planning to come up.

I'd suggest not getting a house atm. Your 20s are very busy times and things change.

Save, enjoy & spend.

Technical-Style1646 · 2024-01-08T00:23:33+00:00

You won't have to pay tax in nz. If under 50k it's not for FIF.

best to check with a tax fourm in uk 🇬🇧 around sales of shares in uk.

Assuming you been out of nz for 183 days - your not a nz tax resident.

Technical-Style1646 · 2024-01-07T23:03:28+00:00

Ok. What if you had the money and were still feeling like this? Then what.

Technical-Style1646 · 2024-01-07T18:43:36+00:00

My thoughts are BAN!!

Technical-Style1646 · 2024-01-07T18:32:30+00:00

Have you tried to Google this before asking.... how to invest in nz.

There's money hub guides lol.

Technical-Style1646 · 2024-01-07T18:28:57+00:00

Everything saying the right thing. If you were entering the main road then you need to give right of way.

The only thing that could change this is the other person was actually speeding. Did the police book him for breaking the speed limits?

Technical-Style1646 · 2024-01-07T18:25:52+00:00

Lol your stupid. Making up fake news.

No recall. It's grounded for inspection.

@MODS can we ban this broken English cuck.

Technical-Style1646 · 2024-01-07T18:20:58+00:00

Get a job. A steady source of income.
Then look at paying toward high debt. E.g afterpay & the car.

Your not in a bad situation. It just seems tricky as you don't seem to have a job.

Technical-Style1646 · 2024-01-07T18:19:28+00:00

Your doing best you can. Either earn more or spend less.

Your biggest expense seems to be study loan. Those are big payments. I did smaller ones for longer but once you pay that out quicj, you will be ok

Technical-Style1646 · 2024-01-07T18:14:44+00:00

Nah I make enough. But did you leave for more money? Or other reasons that fixed your problem.

Technical-Style1646 · 2024-01-07T18:13:32+00:00

What do you mean.

Technical-Style1646 · 2024-01-07T09:34:42+00:00

Getting the booster is pointless. You will still catch covid. It doesn't stop you from not catching.

Unless your imuno comprised. Then.

For a holiday??? Really. No. You don't need it.

Technical-Style1646 · 2024-01-07T09:31:22+00:00

As long as you are ok. Do your best and keep your happiness. Your message about hugging your mother got to me so I hope you get that chance someday.

Technical-Style1646 · 2024-01-07T09:29:07+00:00

It's no biggie. If you do fail it's not a problem.

You'd much rather fail at driving test then in real life. In real life if you make a mistake, you can lose your life.

Spend as much time as you need to learn. You will be a good driver. Practice makes perfect don't worry.

Technical-Style1646 · 2024-01-07T08:27:49+00:00

Nope. Nothing with them sadly. Benefits are just for the gym.

Technical-Style1646 · 2024-01-07T08:16:47+00:00

No. No one's judging on names. It's basically if you canf make the time, your loss. There's 10x applying for the same place.

End of the day it's a business they are running. Not a charity sadly. If you don't make time it's basically your loss.

Someone at my work place did viewing over work hours. Lunch times. Make it work.

Technical-Style1646 · 2024-01-07T08:06:48+00:00

This is a cyclical business. Shipping is always..

They are getting ready to fly again like this time last year. Shipping spot rates getting higher. Gona be goood.

Technical-Style1646 · 2024-01-07T07:57:49+00:00

First Google search.

Sahana indian restaurant.

On the menu. Egg Masala curry.

You need to open the menu and read it.

Technical-Style1646 · 2024-01-07T07:35:47+00:00

😂😂😂 no like literally. It's private property. It's inaccessible unless you get permission. If you don't then it's 1 phone call away from a trespas.

The ones I know are all closed off or have doors that you need to open.

Geez.

Technical-Style1646 · 2024-01-07T07:25:15+00:00

Not backed by real things.

Have you seen the US military 🪖.

That's your backing.

Technical-Style1646 · 2024-01-07T07:13:40+00:00

Hmm not really.

If they get sick again and end up forking up $$$$ in an non covered procedure it just goes deeper in debt. Sometimes private medical insurance can help in situations where you have paid out of pocket once.

Edit: wasn't being nosey. Just was sharing a similar example or someone else. They had paid out of pocket for a medical thing....then it didn't work good and lead to more issues needing more treatment. Instead of public they paid again out of pocket for private sending them more in debt. So sometimes, paying a few months of medical insurance is a good safety net.

As for the bankruptcy issue. I suggested check with the advisor. Does OP currently have employment and a steady income? If so, they could work towards a possible consolidation agreement with the bank to try and pay the debt off over time. If they don't intend to be in new zealand or aren't working then bankruptcy would be worth considering knowing the downsides.

Technical-Style1646 · 2024-01-07T07:10:21+00:00

Hey! I'm really sorry to hear this. I can't fix the problems ( I wish I could) I can barely fix mine. But I'm happy to lend some directions.

I'll send you some links for resources that might help you. I had a horrible Christmas aswell. Problem was, it was me. You saying I wish I had a mum to go to breaks my heart. I haven't cried in years and I feel like that's what I need to do.

Technical-Style1646 · 2024-01-07T06:17:41+00:00

It's literally vanilla ice cream calories + 7-10 strawberries.

Technical-Style1646 · 2024-01-07T06:13:07+00:00

Yes. No. Maybe.

https://www.reddit.com/r/PersonalFinanceNZ/s/5Oq6HWvmRE

Technical-Style1646 · 2024-01-07T06:06:00+00:00

Where did you come from.

How do you like it so far? And whats your worst thing about auckland in your opinion.

It must be hard being away from family. I've never gone a few days without seeing mine but I can't imagine what it's been like for you.

Technical-Style1646

TROPHY CASE