
The cost of being: A public servant who took voluntary redundancy
As part of our series exploring how New Zealanders live and our relationship with money, a public servant describes how gastric bypass surgery, a traumatic brain injury and taking voluntary redundancy have affected their finances.
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Gender: Female.
Age: 38.
Ethnicity: Māori/NZ European.
Role: Currently unemployed, on a sabbatical after taking voluntary redundancy from the public service. I'm also receiving weekly compensation for a workplace accident (TBI) I had in 2023. Before being made redundant I was able to work 30 hours per week with my injury, and i'm working towards being able to return to FTW (40 hours) soon.
Salary/income/assets: Weekly accident compensation of $1450 in hand (80% of my previous earnings). Husband's annual income: $110,000. My KiwiSaver: $52,000. Husband's KiwiSaver: $42,000. Term deposit: $30,000. Shares: $10,500. Savings: $20,000. Most of the assets aside from KiwiSaver have come from my redundancy payout.
My living location is: Suburban.
Rent/mortgage per week: $800 per week between my husband and I for our mortgage. We purchased our three-bedroom Lower Hutt home in early 2018.
Student loan or other debt payments per week: $150 per week. This is on our mortgage but not included in the above amount. This is repaying money borrowed for gastric bypass surgery (best investment I ever made) and some credit card debt.
Typical weekly food costs
Groceries: $350 per week for the two of us. We are pretty bougie with our food spend – meat is free range and often organic, we buy artisan bread and locally roasted coffee beans. We do a Moore Wilsons shop once a fortnight, but the bulk of groceries are split between New World and Woolworths – I shop them online and pick up and whatever I need, I get it at whichever one is cheaper. For products we use a lot and are regularly on special, I stock up when on special.
Eating out: Maybe once a month, about $80 for us both. We ate out more before my brain injury, but loud restaurants aren't ideal while i'm recovering. Neither of us drink which saves lots, as does my gastric bypass surgery as I can't eat large amounts.
Takeaways: One or two times per month, about $40 per time. It's normally either Indian, Malaysian or Chinese as my stomach doesn't tolerate many takeaways these days. My meals need to have a solid amount of protein, and lots of veges.
Workday lunches: No workday for me! But while I was working, I'd take lunch most days. I'd maybe buy lunch once a fortnight, and spend about $12.
Cafe coffees/snacks: Since finishing work, I treat myself to three bought coffees per week – one on a Wednesday morning when I drop my husband at work (he works from home the rest of the week) and then one each weekend day when my husband and I take the dog to the beach. The other days I drink plunger coffee at home using locally roasted beans.
Other food costs: Not quite food, but related costs include a number of supplements I take because I've had gastric bypass surgery: protein powder, bariatric level multivitamin, iron, calcium and – to help my brain injury recover – creatine, fish oil and magnesium. Also the cost of our fur babies – we have a dog with multiple health issues which requires prescription diet and expensive monthly shots, as well as a cat. Our total animal spend is about $250 per week.
Savings: We save about $200 per fortnight currently, to help with future bills mainly. Some of the assets we have will be used towards some work on our home.
I worry about money: Rarely.
Three words to describe my financial situation: Comfortable, privileged and learning (I've only started saving and investing in the last year).
My biggest edible indulgence would be: Little Spoon Sourdough Crumpets. They're like $13 for a pack of six, but SO SO good – especially the chocolate ones!
In a typical week my alcohol expenditure would be: Zero. I stopped drinking almost 18 months ago. My husband hasn't drunk in about six years.
In a typical week my transport expenditure would be: Our car is super economical so only about $20 between the two of us on petrol. I have my Snapper card for trips into Wellington when I don't want/need to drive, but it's pretty sporadic while i'm not working.
I estimate in the past year the ballpark amount I spent on my personal clothing (including sleepwear and underwear) was: So much. Clothing and fashion are one of my true loves. As I've got older, i'm all about being super comfortable while also looking great, and i'm super fussy about fabric, preferring only cotton and linen. I absolutely love Kowtow – the brand ethics align with mine, and the pieces make me happy. The girls in the Wellington store are amazing, and I love going in there (they also have the best changing rooms ever). I've recently discovered the NZ lingerie brand Ohen and am currently replacing all my bras and underwear with their glorious products. I also love second hand shopping – mostly online via Trade Me and Designer Wardrobe.
I should probably sit down and calculate my spend because my guesstimates aren't known for their accuracy, but I'd say about $12,000. It's a lot, I know. But it's also my hobby, brings me joy, and unlike my prior habits, is entirely funded by money I already have, not credit cards and BNPL.
My most expensive clothing in the past year was: Probably a Kowtow dress – specifically the striped Martha dress which sold out in record time. It looks amazing! I think it was $379. Back in 2022 I did the biggest splurge of my life and bought a full length, hot pink wool coat from Cue. I consider it an investment I will wear every winter for many years to come, and it gets so many compliments. It was just over $900 but I will never admit that to my husband!
My last pair of shoes cost: $279 (including shipping from Germany) for a pair of Feelgrounds (barefoot sneakers). They are the most comfortable thing I have ever worn, and the rest of my shoes have barely got any wear since they arrived. They are white tennis style shoes with a gum sole. Most of my shoes are between $250 and $400, and are mainly sneakers and Dr Martens. I only buy high quality leather shoes because comfort is key, and non-leather shoes lead to smelly, sweaty feet.
My grooming/beauty expenditure in a year is about: Two hairdressing trips per year, about $300 each for cut and colour. About $200 in haircare products (mostly Olaplex products, colour booster and dry shampoo!). Make-up about $100 per year – it used to be way higher, but post-pandemic I only wear mascara (Ilia Limitless), brow wax (Anastasia Beverly Hills), a bit of bronzer and blush and lipstick (MAC Lady Danger or Candy Yum Yum).
Skin care is where my beauty spend is focused these days – I use a CeraVe cleanser and then splurge on Emma Lewisham products: Skin Reset Serum, Supernatural Face Creme and Supernatural Face Oil. I also use Dermalogica Daily Microfoliant a couple of times per week. I'd estimate about $1400 on skin care, so that's looking about $2000 all up. Oh wait…. three-weekly manicures too, so that adds another $1500.
My exercise expenditure in a year is about: About $1000 per year for my gym membership. I haven't had to replace any gear this year as i'm not exercising as much because of my injury.
My last Friday night cost: Absolutely nothing. I stayed in and watched Netflix.
Most regrettable purchase in the last 12 months was: A bicycle. It was supposed to save on petrol money, but TBH riding on the road scares the shit out of me.
Most indulgent purchase (that I don't regret) in the last 12 months was: My outdoor egg chair which I bought for the sole purpose of sitting and reading on my deck. I've wanted one for almost five years, and I'm so happy with it.
One area where I'm a bit of a tightwad is: Paying full price on items that are regularly on special.
Five words to describe my financial personality would be: I like nice things!
I grew up in a house where money was: SPENT! My parents, mostly Mum, were big spenders and there was little in the way of savings. We had a pretty comfortable upbringing, and had everything we needed and most of the things we wanted, but I look at my parents now, getting close to retirement age, and wish they'd prepared themselves more for that.
The last time my Eftpos card was declined was: Two days ago at the petrol station. I had the money but not in the right account. Whoops!
In five years, in financial terms, I see myself: Regularly saving and investing. Hopefully being in a position to sell our current home and buy in our dream beach suburb.
I would love to have more money for: Honestly, buying loads of beautiful fresh flowers to keep around the house. I normally allow a spend on flowers of no more than $50 per month, but i'd love to be the type of rich that has regular, abundant florist deliveries (especially in peony season!). Also, my dream is to open a housing facility for street people with animals in Wellington. I want them to have a safe, warm space and in this housing market low income people with animals have a near impossible time finding housing. It would be called 'Harry and Misty House' after my friend Harry who lives on the street with his beautiful dog Misty.
Describe your financial low: I had gastric bypass surgery in 2019. I didn't realise prior but I was addicted to food and after the surgery I couldn't consume food in the same way, so my addiction transferred to shopping. I amassed a lot of credit card debt throughout 2020 and 2021. I literally had a room in my house full of boxes of things i'd brought online. It was bad. Thank god I had a mortgage with equity so was able to consolidate it at a much lower interest rate and pay it off. Since then I've done a lot of financial education as well as therapy and while I still spend a lot, it's within my means, while still saving and investing.
I give money away to: When I was working I used Payroll Giving to donate $50 per fortnight towards various charities – KidsCan, Women's Refuge and HUHA. I'll restart these when I start working again.

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Hamish enlisted the advice and support of Kelly's old treasure hunting companions - a fascinating and accomplished set of characters, many of whom have gone on to successful careers in the maritime world. Peter Pettigrew - Kelly's brother-in-law, who had been with him when he found the third anchor, insisted the key is a sextant, the tool De Surville himself had used to chart his position in Doubtless Bay back in 1769. Peter insisted the reason nobody has found the anchor since Kelly is because they don't use the device. "They don't take a sextant and they don't take, you know, the sextant readings from the journal and do what Kelly did, and you plot exactly where he says he was. And if you do that, that's where the anchor is." 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Brendan on his own initiative and cost installed an elaborate side scanning sonar-array on his boat, and on the very first day on the water in Doubtless Bay, they had found something. He pointed at an image from his sonar array. "There's this massive black shadow in the shape of the [anchor's] fluke," Brendan explained. "I'm not saying that that is an anchor. But what I'm saying is that if it isn't an anchor, I haven't got a … Scooby Doo of a clue of what it is." Brendan sent his ROV down to investigate - along with a scuba diver friend named Kelly Withers - ironically, a former employee of Kelly Tarlton's aquarium. After days of diving on the spot identified by his sonar scan, Brendan thinks they have an answer. It's not the one they were hoping for. "It might not be an anchor," he admits. "If it looks like an anchor and it feels like an anchor, it doesn't always necessarily mean that it's an anchor. And in this case, we're pretty confident that it's just a rock that's shaped like an anchor." Discouraged, the team returned home. But, while scrolling through instagram, Kelly Withers saw something which made him jolt in his seat: An advertisement for a nautical-themed music festival called "Shipwrecked". Centre-stage was an enormous iron anchor - just like the one the team were looking for. Getting shipwrecked Hamish rapidly organised a ticket to attend the Shipwrecked festival and see the anchor in person. He drew some strange looks from other festival-goers as he walked up to the anchor in the middle of the dance floor and whipped out a tape measure. To Hamish's astonishment, the dimensions exactly matched what Kelly had recorded for the third anchor. But the early excitement was quenched by conversations with museum curators and metal experts. It turned out the measurements alone weren't enough to determine the identity of the anchor, nor would a chemical analysis of the metal it was made from. Basically, all anchors of the Saint Jean Baptiste's vintage were of a similar size and composition. The anchor's owner, Eric Morrow, explained that he had purchased the anchor in the 1990s and had no idea where it came from originally "I found in a scrapyard" Morrow explains. "It was Pacific Metals in those days, and they didn't know what to do with it. They were going to melt down, though. And I just happened to be there that day. So I offered them double scrap price for it." Morrow had heard many theories about his anchor over the years, including that it was the third anchor of the Saint Jean Baptiste. It seemed a strong possibility, especially with multiple searches of Doubtless Bay coming up empty. Hamish brought the Tarlton family to take a look at Morrow's anchor, as well as two of Kelly's former treasure- hunting companions: Dave Moran and Keith Gordon, head of the New Zealand Underwater Heritage Group. Dave walked up to inspect the anchor more closely. Damage to one of its flukes had caught his eye. "This here is really rough. I mean, one thing of that Kelly things said was that it had a fluke sticking into the reef." Kelly Tarlton's old photos of the anchor show it with one fluke deeply embedded in a rocky reef. The marks Dave Moran is pointing to might be a sign of that. Dave also notes the anchor has a significant bend in it. "I've never seen one of those anchors bent like that," he says. "That would have taken tonnes, you know, to bend it." David Moran theorises the bend might have been caused either by the enormous mass of the Saint Jean Baptiste pulling on the anchor's cable - or maybe been damaged when it was recovered from the ocean floor. But Keith Gordon was more skeptical. Together he and Dave decided it was worth one more trip to Doubtless Bay - just to eliminate any possibility the anchor might still be down there. "We want to go up and have another crack at it," Dave said. The hunt continues Hamish, Fiona, Brendan, Dave and Keith - as well as local Doubtless Bay diver Whetu Rutene - made their way out to the coordinates they'd determined most likely for the anchor. This time they had a new weapon: Keith's magnetometer - a more modern version of the tool Kelly Tarlton had used to find the anchor four decades earlier. Hamish was 90 percent convinced at this stage that the anchor at the Shipwrecked festival was, in fact, the third anchor. But he was happy to spend a day out on the water with Kelly's friends and family. However, it turned out this treasure hunt had a final twist. A loud beep came from the magnetometer, and a spike flicked across the screen. "Oooo we've already got a big hit!" exclaimed Keith Gordon. Scanning the same spot repeatedly, the magnetometer continued to detect a large anomaly on the sea floor - exactly what you'd expect for a 4.5 meter long anchor. Dave Moran, 82, didn't need any more excuses. Flipping backwards into water, his air regulator gripped between his teeth, he descended 30 meters to the bottom. After a few tense minutes, the octogenarian scuba diver resurfaced. "I didn't see anything" he yelled across to a disappointed crew. The next day, Dave and Whetu made two more dives on the same spot. Both turn up nothing. "It won't give up it's soul easy," Dave remarked to Whetu. But the treasure hunters aren't discouraged. They're already planning their next expedition with more advanced diving gear, hoping to catch a glimpse of the anchor they are convinced remains at the bottom of Doubtless Bay. "It's been a big adventure" grins Keith Gordon, "and it keeps us old people young". So how does this adventure end? Is this magnetometer signal truly the third De Surville anchor? If so, where did the anchor at the Shipwrecked festival come from? For now, these questions remain unanswered, and the hunt continues… To hear the full dramatic story of Kelly Tarlton's final treasure hunt, be sure to follow and listen on your favourite podcasting app.