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Thread ID: 129509	2013-02-25 23:37:00	Minimum wage rise - thnak goodness it was ony 25cents	Digby (677)	PC World Chat

Post ID	Timestamp	Content	User
1330091	2013-02-26 21:51:00	Having a family is not a right, nor should it be. If you can not support a family then don't have one. I agree there are cases of hardship that are no fault of the parents, but there are a lot of cases where it's the old story of not taking any personal responsibility, worry about the consequences later. I didn't buy a super thirsty Mazda 3 MPS until I knew I could support to feed her....same deal. :P	Alex B (15479)
1330092	2013-02-26 21:55:00	It's the balance. Some may say NZ is too easy. They're used to 5.5 day working, 8-8 every day. In terms of living it might be the style. NZ has a bit more space etc .. but there's always shoe box living. 85% of Singapore residents live in public housing. It might be embedded in the culture there as well over time. If you get married it's not uncommon or unheard, I know people personally that the new couple lives with the husband's family and then the wife's by taking turns. You may be tech graduated IT qualified on a 20k income with a multinational company but unless you get to a manager's position, many people's income bottleneck at 40-50k PA. That's by tertiary trained, professional, mature, have experience, it sorta caps forever. And even if you are tertiary qualified, it doesn't mean you would get a better job, there's no certainty. Know people that got trained, then worked for their parents, taught at international schools, taught English, doing admin and processing jobs. en.wikipedia.org	Nomad (952)
1330093	2013-02-26 22:19:00	Thought I'd do a quick budget.... Based on a single income family, living off the minimum wage. A stay-at-home mother with a working father on minimum wage for 40 hours per week and two children under the age of 5. They make use of the 20 hours a week free childcare but nothing more. Later on when one of the kids goes to school, mum can get a part-time job for two days, also on the minimum wage, doing whatever, while the under-5 is in the 20hours free childcare. Pix attached to help Budget is as follows (Done through Sorted.org.nz) $50 a week for credit card and hire purchase repayments $15 a week for additional savings $140 a week for "the big food shop" $20 a week for takeaways $10 a week for a bought lunch for the mum while shes out with the kids one day per week $290 a week for rent for a 3-bedroom place out west-auckland $16 a week for contents insurance $15.50 a week for car insurance $27.69 a week for life insurance $41.54 a week for power $18.46 a week for water $9.23 a week for Cellphone ($40 a month for the $19 plan each partner) $16.15 a week for Phone / Internet combo $5.77 a week for vehicle WOF / Rego $40 a week petrol for the mum to take the kids out during the week and a bit of weekend driving $5.77 a week for additional maintenance on the vehicle ($300 PA) $13.85 a week for bus fares for the father $20 a week to take the kids to the zoo or something similar, maybe a play-date $1.73 a week for doctors visits (Allows roughly 1 per-year per-person, though it may be a little more expensive than I've allowed, but that's what the additional savings are for) Now that's still going to leave the family with $120 a year left over, which isn't much, but could be used at Christmas time... We've also not allowed for things such as buying clothing and the likes, but that can either come out of the $15 a week savings or similar... There's still a LOT of wiggle room. Hell, they could move to somewhere else and get a 2-bedroom place for $260 a week, and there's another $30 a week in their pocket. When we were living for 3 years on a student allowance, we moved house to save $12 per-week. That works out at $1872 over the course of 3 years. When you're living off that much, that makes a bit of a difference. It's not difficult to be *smart* with your money, and you can most certainly live off a minimum wage.... 48134814 EDIT: Oh yeah I forgot, that includes the weekly WFF Tax Credits. Can't remember how much it was for, but yeah, that was budgeted in too.	Chilling_Silence (9)
1330094	2013-02-26 22:33:00	I think the minimum wage is better than what it was years ago. Those that say its not enough are obviously not budgeting with what they get each week. Labour also said a few weeks ago that if your earning less than $600 a week, your on the poverty line. www.nzherald.co.nz	QW. (15883)
1330095	2013-02-26 22:41:00	Eh, $470 a week post-tax isn't that hard to live off for a family of four if you budget even half decently... Dunno about this $600 business! It's mostly just laziness for those who don't budget well, or refuse to move to a cheaper house. They bring the doom upon themselves.	Chilling_Silence (9)
1330096	2013-02-26 22:42:00	The point is we have to be competitive in today's global world Yes. It's called a race to the bottom. To be competitive a country tries to avoid supporting citizens considered losers. That's why Europe wants to get rid of Greece, Spain, Italy... America does it by shunting people into gaols, ghettos, trailer parks - perhaps 2x the population of Greece have been gotten rid of that way. China does it by 'managing' the expectations of the rural poor - ie, curtailing freedoms In NZ, we get rid of the poor by electing a prime minister who smiles a lot. It lets him get away with murder. (fortunately not literally)	BBCmicro (15761)
1330097	2013-02-26 22:44:00	Welcome to Capitalism	Alex B (15479)
1330098	2013-02-26 22:45:00	Gross Pay Hour 13.75 Take Home pay weekly 463.25 ------------------------ Your total comes to: $756.69 a week. Bit high don't you think??? --------------------------------------- How about a real world budget: Monthly: Sky 47 Mrt 1300 Power 135 Phones (landline, internet + 2 cellphones, one at $40 a month, the other at $30 a month 220 Ami House and contents 117 AA 2 vehicles, 1 value at $4700 the other at $2500 81 Website 8 Ads 80 Water 95 Rates 118 Total $2201.00 Entertainment - sky, PC Hire Purchase, credit cards - none Takeaways/eat out - none Life insurance - haha, none Savings - a distant dream Zoo, clothes, granddaughter visits, whatever - none Car maintenance - DIY Food? Yeah....I average about $75 - $100 a week Add that in and : Total $ 2601 $38000 gross = $ 31570 net no kiwisaver - that's $18.26 an hour - $609.31 a week which leaves me short. $38000 is what Webdrive started me on. Don't add husband in, he made a loss, and he retires this year. There is doctor, he goes every couple of months, prescription is free though. WOF and rego - well his rego is $302 for 6 months, road tax is $258 I think last time for 5000km, wofs are $40. Can't sell it, it's a 1986 Datsun so can't afford another petrol one....so stuck with it. So far we have managed to come with the money for the vehicles, unexpected repairs and such by the skin of our teeth. Lucky we have the garden, I've sold quite a bit of passionfruit at the gate lately. I make everything, even made tomato sauce (like Watties) last week). Groceries, don't use the supermarkets for much at all. Loo paper 40 rolls $10 Warehouse Washing Powder - $11 5kg Warehouse Soy sauce etc - $1 litre Asian shop Flour $20 20kg Cat meat - Jimbos direct much cheaper and so on....	pctek (84)
1330099	2013-02-26 22:54:00	Sky could go and whack any pets on the head.	prefect (6291)
1330100	2013-02-26 22:57:00	Having a family is not a right, nor should it be. If you can not support a family then don't have one. I agree there are cases of hardship that are no fault of the parents, but there are a lot of cases where it's the old story of not taking any personal responsibility, worry about the consequences later. I didn't buy a super thirsty Mazda 3 MPS until I knew I could support to feed her....same deal. :P If only more people thought like you. Personal responsibility but alas its in short supply now, Its gimmee gimme its my right ACC, WINZ benes, ethnics the worse, moan to the bleeding heart commie press if they refuse to give you free money.	prefect (6291)
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