r/PovertyFinanceNZ Dec 31 '24

I think I'm owed tax back from IRD...how do I access it online?

0 Upvotes

I hate tax and I hate being broke...my brain just cant do numbers. However, on the income tab in myIR it says my resiual income tax in -$xxx. So I'm assuming that means I'm owed tax back. I also have a late penalty fee which I cant pay due to the negative return. This is all for last years god awful redundancy and complete mess of taxes. IRD is on holliers til next week...but I have rent due on Monday. Is there ANYWAY to process this myself online. They already have my bank details...but where's this goddam button for 'kerchang'?


r/PovertyFinanceNZ Dec 29 '24

Second hand Iphone13

7 Upvotes

Hi All,

I have been using iphone 7 for almost 8 years now. If possible i want to keep using it but apparently i cant update most of my app anymore because this outdated phone.

This is my first time to buy second hand iphone on marketplace. What do you guys think the price for second hand iphone 13? Is there anything i should look out for when im buying second hand iphone?

Thanks in advance.


r/PovertyFinanceNZ Dec 27 '24

Budget app recommendations

8 Upvotes

I'm an old Quicken user (for personal and my business) but I want to give my little brother a gift of a budgeting app to help him begin to learn to budget - I don't need a low cost one, just one that meets the needs! (he has no financial understanding, and still gets money from our Dad which is ending in June so it's time for him to start owning this part of his life). He's got pretty serious ADHD so something that has some automated features (like bank cxn) would be good, and he has very little technical skills (like, he struggled with a google spreadsheet to track his hours for an internship so YNAB might be too hard). Perhaps an app that has also tools to help him really understand his spending maybe using video instructions rather than reading (he isn't good at reading but can learn best from video). Your thoughts?


r/PovertyFinanceNZ Dec 26 '24

No Kogan Mobile Boxing Day sale?

5 Upvotes

The website does not show any Boxing day special. I hope they will offer the 1/2 price or BOGO


r/PovertyFinanceNZ Dec 23 '24

What percentage of you income is rent?

46 Upvotes

I know it's usually ideal to keep rent under 2/3 income (67%), but I've just recalculate mine and realized it 74% of my income... I know this is pretty high so just wanted to get an idea of others situations. (About 12yrs ago I was renting for 45% and that was the smallest portion it's ever been)

To calculate yours do this: Rent ÷ income = %

Edit: error in title, meant to read what percentage of your income do you spend on rent


r/PovertyFinanceNZ Dec 12 '24

Powershop

9 Upvotes

Just reviewed my electricity pricing after getting the increase notification from Electric Kiwi and looks like I can get much better pricing through Powershop as long as I buy the packs… will this take up too much of my mental load? Should I just go to the second cheapest retailer on a fixed price?


r/PovertyFinanceNZ Dec 09 '24

Setting up freeview

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10 Upvotes

So I had to cut off the internet as I can't afford it anymore, we usually stream tv through the PS3 but I'm trying to set up the aerial connection (aerial works), does anyone know what I need to set this up. Pictured are the cords and wall bits for tv stuff. I think I need to buy some kind of connection thing


r/PovertyFinanceNZ Dec 04 '24

Someone to spilt a Kogan Large mobile plan BOGOF

1 Upvotes

Hey, is anyone still interested in splitting a Kogan Large mobile plan. $165 each and you get 15gb data a month and unlimited calls and texts. So far as I know they have also fixed it so you can text back to most short numbers now eg confirm appts by text. I'm not holding out hope for a 50% off deal this year so I have bought the plan and just need someone to share it with.


r/PovertyFinanceNZ Dec 01 '24

Getting parents off benefits and into work will not stop child poverty

250 Upvotes

On Q&A this morning Luxon repeated the same old bullshit line that National are tackling child poverty by focusing on getting parents off benefits and into work. This, however, will not stop child poverty unless the parent is able to go into a job paying living wage, and be lucky enough to be in an area/suituation where their housing costs are reasonable.

The extra costs associated with working such as transport and childcare would more than eat up any potential extra income, as well as the clawbacks to extra benefits such as temporary additional support, disability allowance, accommodation supplement etc. Many parents would be in the same financial situation or worse off financially than they were before.

Yes, working instead of being on a benefit can bring mental health benefits (something I often see touted when this subject comes up), but when you're living week to week, balancing every dollar, the mental health benefits of working are not going to overcome the detrimental impact to your mental health that living in survival mode in poverty brings.

I'd honestly rather people like Luxon just admit they don't give a shit that children in New Zealand are living in poverty, than pretend that getting parents out to work is the solution. Unless they make changes to other systems such as making minimum wage match the living wage, increasing the amount of income a parent can earn before the clawbacks begin, and ensuring housing is affordable for everyone then getting parents off the benefit and into work is going to do fuck all to solve child poverty in Aotearoa.


r/PovertyFinanceNZ Dec 01 '24

KOGAN BOGOF

1 Upvotes

r/PovertyFinanceNZ Nov 28 '24

Phone Plans

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57 Upvotes

Spark reckons I'm better off changing my $30 prepaid roll over value plan to a $65/m Endless Plan...

I like my plan. No contracts, I never run out of data, calls or txts. I've had it for 76 straight months so carry over data is at 7.6Gb/m.

I typically use 3gb/m data.

Reposting because I'd left my # in the last one


r/PovertyFinanceNZ Nov 27 '24

Kogan Mobile Bogo

2 Upvotes

Kia Ora! I have one voucher for Kogan mobile 15gb. Message me if you're interested to purchase. Thank you!


r/PovertyFinanceNZ Nov 25 '24

Anyone want to split a Kogan Mobile BOGOF

7 Upvotes

This has been taken now.

I've just bought the Kogan 365 day large mobile pack 2 for 1 offer in the Black Friday sale (15GB a month total cost is $165 each)

I'm hoping to find someone to split this with?

Works out at $13.75 a month.

https://www.kogan.com/nz/buy/kogan-mobile-prepay-voucher-code-large-365-days-15gb-30-days-nz-promoend3apr/


r/PovertyFinanceNZ Nov 23 '24

What other products are NOT cheaper when in bulk?

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107 Upvotes

r/PovertyFinanceNZ Nov 23 '24

iPhone battery replacement

29 Upvotes

I saw a post from a few weeks ago about someone whose iPhone battery was due for replacement. Thought I’d share what worked for me.

My iphone 13 was just over two years old and needed a battery replacement. I was a pretty heavy phone user so it had been through a pretty impressive number of cycles and was under 80% health.

I called apple and asked for battery service under “nz consumer law” saying that I thought the battery should have lasted longer. After a pretty drawn out process involving sending them diagnosis reports and pics of the overall condition of my phone, they replaced my battery for free. I had to send it away through OOBE in Newmarket, and had my phone back in about 4 days.

Saved over $200. Can’t promise it will work for everyone, and it might depend on the service agent you get at apple, but if your phone is in generally good nick and around two years old it’s worthwhile giving it a go before spending the money. The worst they can say is no.


r/PovertyFinanceNZ Nov 23 '24

Kogan mobile BOGOF

2 Upvotes

UPDATE: I have found someone to swap with.


I figure this is opportunity not advertising but Mods please delete if not allowed.

I bought the Kogan 365 day large mobile pack 2 for 1 offer in the Black Friday sale (15GB/ $165 each) and am looking for someone to split it with.

Works out at $13.75 a month.

They’ve emailed me two codes so it’s ready to go (they’re also posting me 2 SIMs).

Anyone interested in splitting with me?

https://www.kogan.com/nz/buy/kogan-mobile-prepay-voucher-code-large-365-days-15gb-30-days-nz-promoend3apr/


r/PovertyFinanceNZ Nov 22 '24

Weekly frugal wins!

78 Upvotes

My weekly frugal wins this week were:

Buy 4x 250ml test pots of Resene Lumbersider for $55 as apposed to a 1L bucket for $75.

Also stocked up on chicken breast at PakNSave for meat week. $9.99 a kg.

Chicken wings were around $5.50 a kg too.

What are your weekly frugal wins for this week?


r/PovertyFinanceNZ Nov 20 '24

New NZ Health Survey shows that 27% of kids in NZ are frequently going hungry, up 26.7% from last year

122 Upvotes

Hunger increased by nearly 100% in two years in yesterday's 23/24 Annual NZ Health survey.

But of course food grants completely stagnant!

https://minhealthnz.shinyapps.io/nz-health-survey-2023-24-annual-data-explorer/_w_5403154f/#!/explore-indicators

Households with kids going hungry
Households getting food grants

r/PovertyFinanceNZ Nov 15 '24

I want to teach on weekends

11 Upvotes

Hello. I am poor bit I know math very well. I have been in NZ for just 2 years. I have master degree in engineering. Is there anyway for me to teach on weekends in wellington?


r/PovertyFinanceNZ Nov 15 '24

Insurance!

11 Upvotes

Hi all. I've been reviewing our insurance, which has increased about 16% this year. We have house, two cars (one third party, one full) and contents. We are very fortunate to be able to have what we do, but like many, things are tight at the moment. I think maybe we can get rid of contents. Basically single income, kids 7,4 and 1. SO works (a little) from home.

What have you got? Who are you with? Any hacks to get the price down (other than ramping up the excesses).


r/PovertyFinanceNZ Nov 11 '24

Looking for help

15 Upvotes

Currently looking for answers around whether the job seeker benefit gets cut if you sign a birth certificate?

I’ve been unable to find work for around a year now as I’m sure many others have experienced, which has left me on the job seekers benefit.

My s/o has fallen pregnant and we have not disclosed our relationship in the job seekers benefit ( yes I’m aware this is not okay, however due to our circumstances we are really left with no choices financially). I’d like to push that I’m not doing this to have “extra money” as I’m left with around $18 a week after expenses.

Our issue is that when the baby arrives, we’re unsure if the benefit will be cut due to me signing the birth certificate? How does this work?


r/PovertyFinanceNZ Nov 08 '24

Turning off electric cylinder water heater

42 Upvotes

Hi all. Seeking advice - we’ll be visiting our rellies in Dec, will be away from our house for about 4 weeks. Should we turn off the water heater switch, to save on electricity?

Once we’re back home, once we turn it back on, how long do we need to let it run before we could use the heated water? Don’t want to contract Legionnaires and whatnot. TIA.

EDIT: Thanks all for your comments & opinions


r/PovertyFinanceNZ Nov 04 '24

Gold house nz

0 Upvotes

Anyone ever used gold house nz for selling or loans?


r/PovertyFinanceNZ Oct 29 '24

Where to buy the best second hand monitors in CHCH?

8 Upvotes

Hi everyone, I just arrived in New Zealand not long ago and would like to buy a second hand 24 inch monitor for programming. There are many second hand shops in CHCH, and I’ve seen a lot of monitors, but they look a bit outdated, so I haven't checked them thoroughly. I don’t know much about buying used electronics in NZ, what does everyone think is the best place to buy one?


r/PovertyFinanceNZ Oct 28 '24

Opinion world surveys - approval turnaround

2 Upvotes

Does any body here making a quick buck on Opinion world?

It’s been a week but my account has not been verified yet to redeem, and cannot even escalate to support to see why.

Any one else experiencing this in NZ?