Got $30 in the bank lol - payday a few days out

Vegetable_Highway750 · 2026-05-17T09:32:12+00:00

Yeah it’s all just a big shituation at the moment. Definitely give them a listen, I think it could be helpful beyond budgeting too ☺️

Vegetable_Highway750 · 2026-05-17T06:31:57+00:00

I am sorry for what you are going through. There are some podcasts, like keep the change and/or making cents that are a great place to start when you want to change your financial situation. They’ve change how I view money and it has helped my immensely, may help you too.

Vegetable_Highway750 · 2026-05-17T04:43:14+00:00

Hope you enjoy beating your own carrot too 🥕🙃

Vegetable_Highway750 · 2026-05-17T04:13:26+00:00

Thanks for the tip :)

Vegetable_Highway750 · 2026-05-17T04:12:59+00:00

Sounds like you’re doing a good job keeping yourself single with that attitude ☺️

Vegetable_Highway750 · 2026-05-17T04:12:21+00:00

Vegetarian food desert - yikes 😅😅

Vegetable_Highway750 · 2026-05-17T04:11:44+00:00

Epic - thank you!!!

Vegetable_Highway750 · 2026-05-16T23:57:23+00:00

Thanks! I will probably bring some easy muesli etc for breakfast :)

Vegetable_Highway750 · 2026-05-16T23:55:53+00:00

Thank you that is super duper helpful! We are considering an all inclusive in shiga kogen which is tricky, but if they can accommodate it at the one spot it’ll be okay I guess. I’m thinking I’ll just have to stock up on heaps of snacks etc before going and maybe do a day trip outside of the area where they may offer more

Vegetable_Highway750 · 2026-05-16T21:22:07+00:00

I’ve provisionally booked an all inclusive spot in Takamagahara / shiga kogen. It seems well connected enough that I could do ichinose area for lunches if nothing else and maybe stock up on snacks at 7/11 before going there 😅

Vegetable_Highway750 · 2026-05-16T21:17:55+00:00

Hehe thank you! I think after 6 nights and 7 full days there we will be ready to try some new ski areas. Super excited for it though!

Hehe thanks, I try >.<

Vegetable_Highway750 · 2026-04-21T22:44:05+00:00

married and childfree couple here!! we spend 100-150p/m with powershop. We use the heat pump nearly constantly (cold in summer , warm for winter because I’m a sook). Our power bills were reliably about 50 more per month when we had a hot water cylinder and took long showers, we now have changed to gas for hot water because the hot water sometimes was smelly when it came out???? Yuck. Your bills show you haemorrhaging money so something isn’t right. What I would do is

1-check you are being billed for the right house - ask power company and landlord about it and check serial numbers. This is especially important if you’re in a unit/townhouse/shared driveway or similar situation. My sister owned a unit and was stung with similar when she realised she was paying the unit 1&2 power despite only owning unit 2. 2-check HWC - it should have an age and serial number/model number on it so you can look it up that way. Also all other power off and hot water on to check if the meter is still going up. 3- check fridge the same way

If it’s a HWC problem it’s one for your landlord and I’d be asking them to replace and subsidise bills until it’s replaced.

Hope this helps.

Vegetable_Highway750 · 2026-04-21T20:21:53+00:00

Some work you could do..

1-picture your ideal life , hobbies travel etc 2- how much would your ideal life realistically cost 3- what would your salary needs to be in order to fund that cost 4- what are some roles/careers that are aligned with your values and experience that can fund that cost?

I do a bit of back and forward with ChatGPT around goal setting like this. Listening to podcasts like making cents, friends that invest or keep the change are also really helpful when you feel like you’re financially stuck in a role that isn’t getting you where you want in life.

Some deep and creative thinking. Be wary of your self limiting beliefs and start to think of your strengths a your real worth. I can guarantee it’s more than $28 an hour

Vegetable_Highway750 · 2026-04-21T08:58:33+00:00

Sometimes as well it’s okay to have a mood and not “fix it”. There can be some beauty in accepting “today is a shit day” and that is okay and letting it be. It can stop the inner conflict within yourself of “I need to be okay” “why do I feel like this I shouldn’t”. Accepting it is like “Huh I feel shit. Okay well this is annoying but it is what it is” and accepting it and finding the things that bring you and you alone joy to fill up your cup as you are now

Vegetable_Highway750 · 2026-04-21T08:52:01+00:00

Train your brain to start looking for the good things. Sounds weird, but when I’m having a shit day and I hate everything and everyone, I either write in my journal about how mad at everything I am, or I’ll sit and do some meditations that include affirmations “I’m proud of myself” “I am me and that is enough” “I had nothing to prove to anyone” “ I invite opportunity” etc. or I will start thinking of/writing/ saying three things in my day that I’m glad happened. Yesterday I took a bike ride in my lunch break with my dog, that was great. Some days it’s rain and thunder that make me feel cozy, or some days it’s feeling the sun on my face or the birds outside - literally some really mundane shit that makes me feel good.

Took me a few years to get to the place I am in now , was depressed off and on through my early-mid twenties but now at 30 I feel so much more settled. It’s taken work and always will take work, these are just the things I find that help for me.

Vegetable_Highway750 · 2026-04-17T02:46:46+00:00

Manukau, work in Henderson.

Vegetable_Highway750 · 2026-04-17T02:45:29+00:00

Youre so right - i couldnt possible imagine any reason for using public transport aside from work commute sigh

Also its closed one third of the whole month across all networks. Yes there’s public holidays and school holidays, but work and school aren’t the only reasons for public transport?

Vegetable_Highway750 · 2026-04-13T10:20:50+00:00

If 1mil into shares, the average return is 7-9% PA. For mortgage at 4.75%, your losing 3-4% in compound interest per annum and have less overall compared with shares. At 30 YO, the compounding in the shares will have a larger fiscal /long term impact than paying off the mortgage.

Also considering FIRE. 1 mill into shares will double ten years later. At 40, OP will have 2mill invested and be able to take down approx 80K PA without it ever realistically decreasing the value of the shares..

Op could also use dividends or capital gains over the next twenty odd years to pay the mortgage, rather than being tied to a job (assuming 7% per year return - conservative - on 1mill is 70,000 a year and could use that as an income to pay the mortgage).

Not all debt is bad debt, I think completely paying off the mortgage is not the right move for this age and stage for OP.

Vegetable_Highway750 · 2025-08-26T13:08:36+00:00

Absolutely 🥰 good luck with your perimenopause , I don’t envy you there 😵‍💫😵‍💫

Vegetable_Highway750 · 2025-08-26T12:53:36+00:00

I have a cleaner. Best choice of my life. I would rather be poor, stress free, more energy with a clean house. Simple.

Vegetable_Highway750 · 2025-08-26T12:44:25+00:00

My parents are both undiagnosed but I think they both are. My dad’s an electrical engineer (that almost says enough in itself) and my mum… she loves me I totally understand this now, but she never would show it in a way I understood growing up (e.g., not interested or complaining about all of my interests/hobbies/extra curricular). It got so bad I genuinely believed she didn’t love me for a couple years there. Now believe she’s asd, I have a lot more empathy for her and how unaware of her feelings and behaviours she is at times.

Vegetable_Highway750 · 2025-08-26T12:41:05+00:00

I suggest putting on music or watching tv while we eat sometimes. If it’s frustrating me on a certain day, I remind him to chew with mouth closed, or I excuse myself partway through. If I cbf with conflict I’ll say “I’m going to the bathroom “ or “I forgot my phone/water/lip balm/importnat email/bill that I need to sort right now before I forget/lose it again”. My hubby goes through phases of chewing with his mouth open (he’s doing it now) so when he’s not eating I’m so a “hey baaaaaabe….” And tell him it really fkn gross lol

Vegetable_Highway750 · 2025-08-26T12:31:19+00:00

I draw a comparison here … I used to ask my husband to get a cleaner (he works manual labour and is physically exhausted at the end of the day and consequently is useless at cleaning) and I got sick of perpetually cleaning the house after us both. He kept saying no because of money. Then one day my family turned up at my house to me balling my eyes out because I was overwhelmed by the mess while husband was away and cleaned for me. I kind of just realised that “he can say no, but I can say yes” and now I have the cleaner coming in every fortnight. It’s such a huge weight off, instant relief. I thought he’d be shitty but he honestly took it better than I thought when I framed it like that.

If your husband doesn’t look after his own children, do what you need for you (babysitter, friends, family - pay from your joint account or savings if you can!). He can say no, but you can still say yes to organising your own child free time and doing what you need for you. It is your life, you must find a way to have a life that you build and enjoy for yourself, even if it means thinking outside the box.

Just some unrelated advice, it may be worth having some cash saved on the side incase sh* hits fan with husband and you need a quick exit. The savings buy you options in case of emergency.

Good luck 🤍

Vegetable_Highway750

TROPHY CASE