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The Spinoff
7 days ago
- Business
- The Spinoff
The cost of being: An independent contractor who just left their full-time salaried job
As part of our series exploring how New Zealanders live and our relationship with money, an arts and NGO contractor details their expenses. Want to be part of The Cost of Being? Fill out the questionnaire here. Gender: Female. Age: 30. Ethnicity: Pākehā. Role: Independent contractor in the arts and NGO space. Salary/income/assets: I've just left a full-time salaried role to work as a sole trader. I hope to make at least $70,000 this financial year from contract work. I also own a home in Auckland with an ex-spouse, which is currently rented to tenants. My living location is: Urban. Rent/mortgage per week: Rent $200 per week (living with two parents), mortgage top up after our tenants' rent contribution is $225. Student loan or other debt payments per week: None, however this will change in 2026 with further study. Typical weekly food costs Groceries: $200 – $300 per week. Eating out: $50, usually only once a month. Takeaways: $60. Workday lunches: $50 – $80. Cafe coffees/snacks: $40. Other food costs: $0, I'm rubbish at indoor and outdoor gardening. Savings: I have an emergency savings fund for things like teeth and my car. I'm rebuilding my KiwiSaver after withdrawing for my house deposit in 2021, and I have a separate investment fund which I contribute to weekly with a goal to use for retirement – this was started off with an inheritance from a grandparent. I also have a fun money savings account – my best friend and I are saving for a Christmas beach holiday. I worry about money: Always. Three words to describe my financial situation: Lucky, thrifty, precarious. My biggest edible indulgence would be: I've recently become gluten free and low carb for health, so delicious meat and cheese are my indulgences. In a typical week my alcohol expenditure would be: $0 – I don't drink regularly anymore for health reasons, when I do it is usually one or two $20 cocktails max. In a typical week my transport expenditure would be: I drive a hybrid car and work remotely, travel is generally close by for meetings, I spend $50 on half a tank which can last between 10 days to two weeks depending on my schedule. I estimate in the past year the ballpark amount I spent on my personal clothing (including sleepwear and underwear) was: $200 – an outlier this year as I've lost a significant amount of weight, and my underwear and most pants became too big. My most expensive clothing in the past year was: $150 – an emerald green silk wrap dress, hand-made to measure in Vietnam. A souvenir from a trip I took in September 2024, but also well worth the long term investment of a beautiful dress style that doesn't always fit bigger bodies off the rack. My last pair of shoes cost: $97.99 – Converse Unisex Chuck Taylor Leather Ox from Rebel Sport. This is the third pair of these shoes I've owned in my lifetime, and this particular pair has lasted me eight glorious years. My grooming/beauty expenditure in a year is about: Haircut and dye at a salon (this cost is ending now I am no longer permanent employed :') ), acrylic gel manicure sets every 6-8 weeks, laser hair removal and facial treatments secured at a family referral rate as a gift from a family member who also struggles with hormonal hair growth and acne. My exercise expenditure in a year is about: $5,000, however I probably pay approximately $2000 myself, the rest is gifted. My last Friday night cost: $75. Most regrettable purchase in the last 12 months was: A meal kit subscription – I am recently aware that I am ADHD, and it was too much to keep up with, so I found I was giving food I paid for in the subscription away to avoid it going totally to waste. Most indulgent purchase (that I don't regret) in the last 12 months was: A gold and zirconia septum ring. One area where I'm a bit of a tightwad is: Furniture/appliances – I like to find a bargain and am a big believer in Kmart's homewares section. Five words to describe my financial personality would be: Calculated, safe, realistic. I grew up in a house where money was: My family had periods of financial struggle, but we were always comfortable and our health (food, hygiene products, power) always came first during those times. My parents both worked very hard to ensure my sister and I felt we had everything we needed, but we did not live in excess. We were very lucky to live in a home they owned, and continue to be grateful for this. The last time my Eftpos card was declined was: November 2020. In five years, in financial terms, I see myself: In student debt, working steadily in a new industry, comfortable. I would love to have more money for: Travel – this is such a big investment and as a contractor, I also lose money not being available to work, but I want to see more of the world. Describe your financial low: About two years ago, when I left my ex-spouse. Going from two combined incomes with a partner who earns more than you, to a single income with assets that require a 50% contribution, is tough. I was lucky to be able to get support from family with somewhere affordable to live, and have been able to figure out the new balance since our separation, but I am now driven to make sure I can look after myself as a single woman, which so far I've proven I can.
Economic Times
15-06-2025
- Business
- Economic Times
Will NZ supermarkets start scanning your face? What shoppers need to know about Facial Recognition Technology
TIL Creatives Retailers claim this technology will reduce crime and protect staff, igniting a debate on surveillance and data rights. Supporters include Briscoes, Rebel Sport, Bunnings, Mitre 10, Michael Hill, Farmers, The Warehouse, Foodstuffs, Woolworths, and telcos One NZ and Spark. (Representative Image) Facial recognition technology (FRT) is gradually entering New Zealand's retail sector, with major retailers and telecommunications companies supporting its adoption. The shift comes after Foodstuffs' recent trial, which earned a "cautious tick" from the Office of the Privacy Commissioner. Major retail stores believe introducing this technology will reduce retail crime and protect staff from aggressive or repeat offenders. It has now sparked a national conversation about surveillance, ethics, and data rights vs. the stores' backing the use of FRT include Briscoes, Rebel Sport, Bunnings, Mitre 10, Michael Hill, Farmers, The Warehouse, Foodstuffs (both North and South Islands), Woolworths, and telcos One NZ and Spark. These businesses have signed a joint statement supporting the 'fair and accurate' use of the technology and pledged to develop best-practice guidelines before rolling it out more broadly across the country.'We recognise that technology must be used in a fair and accurate way. Guardrails are needed to support customers' privacy, and to guard against potential bias and discrimination.', the statement said. The systems work by capturing a photo of someone entering a store. Staff are alerted if the individual matches someone on a 'watchlist', typically for previous trespass notices or aggressive incidents. If not, the image is deleted immediately. Retailers insist this is not about tracking regular shoppers but deterring repeat offenders who pose risks to staff and customers. However, the Privacy Commissioner, Michael Webster, has clarified that this is not a 'green light' for the mass deployment of FRT. He warned that even a small misidentification rate can impact hundreds of people. For example, Foodstuffs North Island's trial estimated up to 900 false matches annually. He recommended raising the accuracy of facial matching algorithms from 90 per cent to at least 92.5 per cent and stressed the importance of local model training to reduce bias. He also called for robust privacy frameworks and community consultation. A Māori Reference Panel has voiced strong opposition. A Māori Reference Panel set up at the end of 2024 told the commissioner it opposed FRT's use in supermarkets, saying such technology affects the wider public, not just those on watchlists. Earlier this month, Justice Minister Paul Goldsmith said he expects officials to consider a centralised facial recognition system. While such a database could stop offenders from shifting stores, it would need heavy regulation and tight oversight. At the time, Retail NZ chief executive Carolyn Young said it was too early to comment on the centralised option, as the commissioner's evaluation was still being reviewed. Internationally, FRT is already in use. In Australia, Bunnings has faced legal challenges over applying facial scanning tech. In the United States, major chains like 7-Eleven, Rite Aid, and Home Depot have all tested similar systems, raising similar debates over ethics, consent, and now, FRT in New Zealand remains in the trial phase. But with big-name backing and ongoing public debate, its national rollout may be closer than many expect, depending on how regulators, technologists, and communities choose to weigh safety against privacy.
7NEWS
11-05-2025
- Business
- 7NEWS
Click Frenzy returns with epic Mayhem sale this May: Score huge savings across fashion, beauty, tech and more
Winter is just around the corner, and with a new season, comes new purchases. Whether you're in the market for a new TV or a state-of-the-art air fryer for dark and cold evenings, or in need of a wardrobe refresh with a fresh pair of boots or a winter coat, the Click Frenzy Mayhem sale is your one-stop-shop for unbeatable prices. Beginning 7pm May 13 until midnight May 16, you'll be able to shop a wide range of major retailers discounting a range of technology, homewares, clothing and beauty pieces There's plenty of brands hopping aboard, including some of Australia's most-loved retailers, homegrown brands and iconic labels such as Priceline, The Good Guys, Rebel Sport, Kogan, and more. Promising to be the biggest Click Frenzy sale of the year so far, you won't want to miss out of the huge savings up for grabs. Mark your calendars and get ready to shop up a storm. 'The Click Frenzy Mayhem sale is always one of our most anticipated sales of the year,' says Daniel Thompson, Head of Marketing at Click Frenzy. 'We're excited to share the amazing bargains we have for Australian shoppers that covers a range of brands, from fashion to tech. We know people are keeping an eye out for these sales, especially when they know our deals make a massive difference in their budgets,' he tells Best Picks. 'With so many people wanting to escape the Australian winter chill, we're happy to step in with deals for everything you could need, whether it be a heater or travel essentials. Click Frenzy Mayhem is a sale event you don't want to miss.' What is Click Frenzy? Click Frenzy Mayhem offers massive discounts on major retailers over a three-day period with many of the sales online-only. Offering shoppers the perfect opportunity to score epic deals mid-year, there's insane savings up for grabs across a wide range of categories, including fashion, beauty, tech, and more. When is Click Frenzy 2025? Click Frenzy Mayhem begins Tuesday, May 13th at 7pm, and runs until Friday, May 16th at midnight. Which brands will be participating? Click Frenzy works with participating retailers to bring you all the best deals and exclusive offers from throughout the retail industry and centralises them into the one online shopping experience. While it's too soon to say exactly who is hopping aboard, we've got a sneak peak of which brands are expected to participate: Priceline, Salomon, Rebel Sport, The Good Guys, Sennheiser, Petbarn, Kogan, Guess, Novo Shoes, UGG Express, MJ Bale, City Beach, Oaks Hotels Resorts & Suites, Pillow Talk, Celebrity Cruises, Amart, and more.
Scoop
07-05-2025
- Business
- Scoop
Briscoe 1st Quarter Sales
1st Quarter Sales to 27 April 2025 The directors of Briscoe Group Limited (NZX/ASX code: BGP) announce that unaudited sales for the first trading quarter ended 27 April 2025 (91 days) were $178.3 million, being 2.58% lower than the $183.0 million achieved for the same quarter of last year. First quarter sales for the Group's homeware segment decreased by 4.66% to $103.6 million, while sporting goods sales increased by 0.47% to $74.7 million. Group Managing Director Rod Duke said, 'This first quarter has proved difficult as we continue to trade within a struggling retail environment. While we're disappointed not to have matched last year's Group first quarter sales, the closeness in timing of Easter and ANZAC Day wasn't ideal for maximising promotional activity and the warmer temperatures compared to last year also impacted sales of heating products. We estimate the negative impact on Briscoes Homeware in relation to heating related products to be more than $2 million compared to last year. 'For Rebel Sport to achieve sales growth is very pleasing with solid sales across most areas but particularly in the categories of women's apparel, supporters clothing and sporting equipment. 'As expected, margins remain under pressure, however after a challenging start to the year, we have seen recent recovery in gross profit margin. 'Despite the slower start to the winter season, inventory continues to be well controlled and finished the quarter lower across both segments when compared to the prior year. 'We anticipate New Zealand retail to remain highly challenging throughout the remainder of 2025 and as previously highlighted, continue to look to protect the level of profitability achieved last year. We are currently targeting first half net profit after tax (NPAT) of around $30 million and expect the Group to return to a more normalised profit shape for the full year with second half profit exceeding that achieved for the first half.'
RNZ News
06-05-2025
- Business
- RNZ News
Briscoe Group's first quarter sales down on last year
Briscoes and Rebel Sport Photo: Hazel Redmond Photographer Briscoe Group's first quarter sales are down on last year reflecting a struggling retail sector. Sales for the first 91 days of the financial year ended April fell 2.6 percent to $178.3 million, compared with $183m the year earlier. Sales were dragged down by a near 5 percent drop in homewares sales, while Rebel Sport sales were slightly up. Group managing director Rod Duke said Easter and Anzac Day closures added to the difficult period, while warmer than usual weather impacted promotional sales of heating products. "We estimate the negative impact on Briscoes Homeware in relation to heating related products to be more than $2m compared to last year," Duke said. "For Rebel Sport to achieve sales growth is very pleasing with solid sales across most areas but particularly in the categories of women's apparel, supporters clothing and sporting equipment. "As expected, margins remain under pressure, however after a challenging start to the year, we have seen recent recovery in gross profit margin." He said inventory continued to be well controlled for both market segments. "We anticipate New Zealand retail to remain highly challenging throughout the remainder of 2025 and as previously highlighted, continue to look to protect the level of profitability achieved last year." The company expected first half net profit to be about $30m million with second half profit exceeding that achieved in the first half.
