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As part of our series, exploring how New Zealandes live and our relationship with money, a high school teacher who lives in a small town shares her approach to spend and saving.
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Gender: Female.
Age: 27.
Ethnicity: Pākehā.
Paper: First year of the high school teacher.
Salary/Income/Assets: US $ 1,600/fortnight.
My place of life is: Small town.
Rent/mortgage per week: Living alone in an old, cold, moldy, Ministry of Education – $ 380/week.
Loan for students or other debt payments per week: Student loan $ 150ish/week. $ 27,000 remaining for reward.
Typical Food Weekly Costs
Groceries: Average of $ 120 per week for me and my dog. I only buy specials, so stock when something is for sale.
Eat out: $ 0.
Takeaways: Average of $ 15 per week.
Lunches on the day of work: Student lunch remains or what the food technology teacher cooked in class (the same for dinner a few nights too).
Coffee/Coffee Snacks: $ 0.
Savings: No, I lost 7k of economy in the last nine months. Largely due to the displacement cost and then moves to work.
I worry about money: Always.
Three words to describe my financial situation: Sad, worrying, heavy.
My greatest edible indulgence would be: Fried chicken
In a typical week, my alcohol expense would be: $ 0.
In a typical week, my transportation expense would be: $ 10 to gasoline. Now I walk to work and it’s a short drive away from the city when necessary.
I Estimate last year the amount of stadium I spent on my personal clothes (including sleeping clothes and underwear) was: $ 800. I got a lot of weight, which meant I needed bigger clothes. Always buy for sale.
My most expensive clothes last year was: $ 90 – Katmandu isolated rainfall (below $ 350).
My last pair of shoes costs: $ 110 – Reebok Nanos (for sale, of course).
My cleaning/beauty expenses in one year are about: $ 30. Except shampoo, body washing, deodorant etc.
My exercise expense in a year is about: $ 1,000 – Academy Association.
My last cost of Friday night: $ 0 – Netflix (thanks Mom) and Candy Crush.
The most unfortunate purchase in the last 12 months was: Curtains and blinds that didn’t fit my rent, but I couldn’t go back because they were off.
The most indulgent purchase (which I don’t regret) in the last 12 months was: A new mattress. Best decision of all time.
An area where I am a little stylized is: Everywhere. You will always find a discount code or way to get something cheaper.
Five words to describe my financial personality would be: Cheap hunter, bargain, cautious speaker.
I grew up in a house where the money was: It didn’t tell me, but obviously limited.
The last time my EFTPOS card was refused was: 2012 in the high school canteen.
In five years, in financial terms, I see myself: Earning even more with the ability to save.
Describe your financial low: A few months ago, I had a complete mooy B after refusing a winz subsidy to move to work. I had no idea how I would pay rent or furniture. Never literally had no money in my bank account before this year.
I would love to have more money to: Adopting and promoting all dogs. And be able to perform activities or travel in New Zealand.
I give money to: Shouting my friends’ dinner in exchange for favors (for example, letting me stay at theirs to limit travel expenses).
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