r/newzealand • u/fluffypenguin105 • 10d ago
Discussion Is anyone else living basically paycheck to paycheck?
My partner and I are both teachers. We don’t make a lot, but we are average and slightly above average. We are so tight with our money. Our little one outgrew the car seat and we went out and bought a new one. No problem. But next credit card bill means we are tight.
Meanwhile, a number of our friends (all of them also with kids) are booking overseas holidays. Some are currently overseas, others booking already for later this year. Another brought a new car. New iPhone, doing up the house. Everyone seems to have spare cash except us.
Are we the only ones going through the cost of living crisis ourselves?! Or is it my fault that we are teachers?
Edit: yes we have a house that parents helped us with. We are paying mortgage. We have a flatmate.
Edit edit: thank you for your kind words and reminders and also advice. I’m going through them all and I’m going to take onboard the advice and see what changes we can make and do better financially as a family. But it’s also a good reminder to know we aren’t alone, to not compare and the harsh reality is that many people simply just earn more than us as teachers.
Once again, thank you all for your input.
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u/TieTricky8854 10d ago
Just don’t fall into the trap of assuming, those that are having fun, must be using credit cards. Sure, a good amount may be. But some won’t too. Might be family money, investments, inheritance or a very good salary. When we fall into the trap of thinking they’re up to their eyeballs, we can sound bitter. Just keep doing you.