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BusinessJanuary 28, 2018

Scrimping for beginners: The Spinoff’s top money saving hacks

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Just living and breathing seems to cost money now. But don’t worry, we got you. We asked around the office and compiled the Spinoff’s tips for living a premium economy lifestyle on a discount economy income. 

DO

  • Shop at Reduced To Clear. Make sure to ask them what day their cans arrive and get there first. Often the cheapest stuff goes out the door quickly so sign up to text alerts from every butchery in your area.
  • Go to the bakery at the end of the day as most stores put stuff on special. Bakers Delight will often do bread for $1. Same with Muffin Break for muffins.
  • Go to the movies on their cheap days. And when you do go, smuggle in some rapidly expiring snacks from Why Knot.
  • Go to the cheap trainees at the hairdressing schools and ask for something scary and complicated. They’ll get nervous and make the teacher do it.
  • Enter competitions in magazines and on websites (most clickthrough ones don’t get many entries). If you win, sell your winnings on TradeMe. 
  • Buy old editions of magazines. Newsagents can’t sell magazines after the new edition arrives. They’ll give them to you for free with the name of the magazine cut from the front cover.
  • Buy stuff on TradeMe or on Facebook in January when everyone sells their unwanted Christmas presents. The week after Mother’s Day is when mums put the rice cooker they already had on auction for $1.
  • Buy men’s beauty products instead of women’s ones and avoid the pink tax.
  • Take down your No Junk Mail sign and sit down with the flyers to compare prices for supermarkets. Make a list and then next to each thing put the supermarket that it’s cheapest at.
  • Buy meat in bulk when it’s on special.
  • Make meals, put them into containers and then swap them with other families for variety so you’re not eating mince every night. And there are groups on Facebook where you can swap vegetables, so if you have heaps of cucumbers you can swap them for other things that aren’t growing as well.
  • Go to a food court at 4pm: most will have curries and things for $5 or cheaper. You can take them home and freeze them.
  • Go to places with happy hour meals and drinks.
  • Google “discount code” for online stores before checking out to see if there’s a promotion on. It’s also a good idea to sign up for their newsletters as you’ll usually get a first purchase discount.
  • Google the competitor of the thing you want to buy and get a promoted post offering a discount (eg: searching ‘Pizza Hut’ will get you cheap Dominos).
  • Get free trials, and use multiple email accounts to get multiple free trials and discounts.
  • Buy wine in bulk when it’s on special.
  • Swap clothes instead of buying new ones. School fairs are a great place to buy kids’ clothing. Usually they have a $1 fill-a-bag if you go at the end of the day.
  • Buy teen clothes and shoes instead of adult ones if you can (eg: at Seed).
  • Go to Farro or fancy food retailers where you can load up on some delicious samples.
  • Find a loyalty programme that works for you (eg: Life Pharmacy gives $10 vouchers if you spend $150, which includes prescriptions). Be loyal and get rewarded.

DON’T

  • Have children. They’re expensive.
  • Have dinner – just go to bed instead (or sleep in and skip breakfast).
  • Get a dog/cat/horse/rabbit/hamster/plant/living organism of any kind.
  • Smoke.
  • Get the meat option when eating out. The vegetarian option is usually a few dollars cheaper.
  • Stick with your phone company/insurer/broadband provider/energy provider. Shop around first and once you’ve got the cheapest deal, go back to your current company and let them try to buy your love.
  • Buy stuff online straight away. Take things to the checkout of an online store and then close the window – places like Mighty Ape will often send you a $10 voucher to convince you to buy.
  • Book a bach or an Airbnb. You can have a cheap beach holiday – without camping – by booking a cabin at a campground. You can get a nice, new two-bedroom self-contained cabin for a fraction of the price of a house. Plus, you get to use the campground amenities like pools and playgrounds.
  • Buy every fruit or vegetable fresh. Things like canned corn and frozen peas are cheap and last longer.
  • Wear the latest fashion. Keep your personal style ever-so-slightly grunge influenced, so nothing’s ever really worn out. Or develop a personal style where people no longer expect you to dress ‘normal’ so you’re well dressed regardless of the situation.

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Keep going!
Press outside Jacinda Ardern and Clarke Gayford’s Point Chevalier home prior to the press conference on Ardern’s pregnancy (Russell Brown)
Press outside Jacinda Ardern and Clarke Gayford’s Point Chevalier home prior to the press conference on Ardern’s pregnancy (Russell Brown)

BusinessJanuary 26, 2018

What’s happening in the PM’s Auckland suburb is a sign of things to come

Press outside Jacinda Ardern and Clarke Gayford’s Point Chevalier home prior to the press conference on Ardern’s pregnancy (Russell Brown)
Press outside Jacinda Ardern and Clarke Gayford’s Point Chevalier home prior to the press conference on Ardern’s pregnancy (Russell Brown)

As Housing NZ prepares to develop the corner near Russell Brown’s house in Point Chevalier, he muses on the redevelopment, gentrification and spiralling growth in real estate values of the Auckland suburb he calls home. 

Last week, I wandered around the corner to watch the news crews assemble outside Jacinda Ardern’s Point Chevalier home in anticipation of the big baby news. As they waited and fiddled with their gear, I realised that they had their backs turned on another story.

It emerged in a letter from Housing New Zealand, headed “Dear Neighbour”, posted on the last working day before Christmas, as if they were racing to get it out the door. It arrived in the quiet week that followed, bringing news of change.

The corner near our house is to be redeveloped. Three old houses – two sides of a duplex and a brick bungalow – will be cleared this year to make way for five new two-storey dwellings, two with two bedrooms and three with four. But the bare facts don’t really convey the resonance of what’s happening.

According to the letter, Housing NZ had the block declared a Special Housing Area and obtained its consents on that basis. I could find no record of that and when I queried the corporation they acknowledged the letter was incorrect, and said the redevelopment had been consented according to the rules of the Unitary Plan’s mixed housing urban zone. All the maps I can see actually show the site as mixed housing suburban, but let’s just say the rights Housing NZ would have had for an SHA are scarcely less than it has now under the Unitary Plan. This is a preview of how parts of the neighbourhood will change over the next three or four decades: it’s what intensification looks like.

There will presumably be some objections. The corner currently has a pleasingly open aspect, but when the redevelopment is finished, it’ll be built nearly to the boundary. It’ll look more urban.

Architect’s rendering of Moa Road & Walmer Road, Pt Chevalier (Housing New Zealand)

But here’s the thing: these are family homes, and they’ll be built 100 metres from the prime minister’s residence in Point Chevalier. The child she’ll have this year may well go to the recently-completed kindergarten across the road with the children of state house tenants. Her Labour-led government could scarcely have hoped for a more earthy validation of its philosophy – albeit one delivered, ironically, by the policies of the previous government.

In a sense, this is a trip back to the future. A former prime minister, John Key, grew up just this way in Christchurch: in a state house placed alongside houses owned by their middle-class occupants. He and I went to Burnside High School at the same time; he from public housing, me from the modest brick-and-tile my parents bought. We were both lucky in that.

Key rather infamously forgot from whence he’d come when in 2006 as an opposition MP, he described Housing NZ’s plans to build in the green fields of Hobsonville Point as “economic vandalism” which would unfairly impact people who had invested “millions and millions of dollars in their property”. In government, he refined his position to support “affordable housing” in Hobsonville, but many residents still seemed to resent the imposition of having to share a neighbourhood with houses that cost their neighbours less than a million, even though the affordable houses themselves still seem remarkably scarce.

Things are quite different in suburbs with a longer history. A page on Housing NZ’s website details some of the plans to renew its housing stock across the city from Takapuna to Papakura. Over in Waterview, three 1940s duplexes have already been replaced, their lavish sections now holding 17 two and four bedroom dwellings. Fourteen old houses nearby are giving way to 45 new homes. With remarkably little fanfare, Housing NZ is becoming the city’s biggest brownfields developer.

Architect’s rendering of Moa Road & Walmer Road, Pt Chevalier (Housing New Zealand)

Inseparable from all this is another trend: the spiralling growth in real estate values in almost every suburb. There’s a reason the prime minister lives in a basic granny townhouse: a year ago, even on an MP’s salary and a TV presenter’s earnings combined, that was all she and Clarke Gayford could afford in the electorate she would soon go on to represent. One half of the duplex Housing NZ plans to skittle now has the same valuation as the prime minister’s house.

So this expansion of social housing takes place in a suburb which is, at the same time, gentrifying. Daily Bread opened two weeks ago and has been flat-out selling ten-dollar loaves ever since. And in an impossibly middle-class turn of events, a pop-up e-bike shop on Point Chevalier Road will soon be replaced by one selling organic wines.

But it’s not all one way. Remember that flash new kindergarten everyone’s kids were going to go to? Late last year, it was announced that it wasn’t going to be a kindergarten anymore: the Auckland Kindergarten Association (AKA) was closing its waiting list with the aim of wholly devoting its new facility to KiNZ, its own commercial daycare business. In the face of a swift and furious response from residents, the AKA soon announced it was “reviewing” its strategy.

The kindy’s future isn’t quite assured yet and it’s still possible that Housing NZ will end up placing families in three warm, dry new homes next to a daycare they could never afford to use, but the community’s feelings have been made clear.

Change takes many forms in Auckland now, and the response to it is not uniform. We will be waiting a little longer for new bike lanes along Meola and Point Chevalier Roads because a group of residents upstream in Westmere have managed to pause construction of the safe cycle route in favour of, in their own words, “putting everything back how it was”. But things aren’t going to be put back how they were because things aren’t how they were anymore.

Conservative populism focused on resistance to change is going to be with us for a while yet, but it’s not going to prevail. And Housing NZ’s largely unheralded moves to redevelop in suburbs like ours – more than doubling the number of properties it manages in Auckland – make that even more the case.

The Pt Chevalier School Run

The corporation isn’t always right: we submitted against its attempt to spot-rezone its properties on our street as mixed housing urban under the Unitary Plan. The independent hearings panel agreed and, in the end, so did Housing NZ itself.

But it was Housing NZ’s evidence that got the “out of scope” elements back in the plan after Auckland Council took fright. As a result, we are nestled on the edge of mixed housing urban, and Jacinda and Clarke’s place is in amongst it. What this means is that a future Point Chev, girt by bike lanes and bus routes and connected to light rail, will be able to house many more people. Perhaps we won’t be demographically hollowed out like the baby-boomer ghettoes of Freeman’s Bay and Herne Bay.

There will be apartments that don’t cost a million dollars, and hopefully, quite a few that cost less than half that. Future me quite likes the sound of that. Both our sons are autistic and it’s unclear how well they’ll be able to live independently. When we cash up, as we must, it would be nice to think we can downsize to a place nearby – and that nearby, there’ll be social housing for our sons.

We could just sell up and move to Mangawhai – and at times it’s tempting – but I always find myself being drawn back to watching and being part of Auckland’s change. And besides, it’s nice here: last month, the doctor across the road had a neighbourhood Christmas barbecue, where owners and private and public tenants yarned well into the night and drank the good doctor’s excellent syrah. Perhaps next Christmas we’ll invite Clarke and the baby.


The Spinoff’s business content is brought to you by our friends at Kiwibank. Kiwibank backs small to medium businesses, social enterprises and Kiwis who innovate to make good things happen.

Check out how Kiwibank can help your business take the next step.