It’s Christmas time but some families of the working poor are struggling. 00:35   Today’s ep was truly eye opening. 00:45   Intro about Darryl Evans. CEO of Mangere Budgeting Services. 01:31   Please listen with an open heart. 01:51   We need to address this issue for all NZers. 02:18   If you’d like to help please see the links above for further info. 02:47   NZ is not the land of milk and honey as it used to be. 03:15   Intro music. 03:44   Is NZ a poor country? Is Auckland the most liveable city in the world? 04:17   There’s a whole community of people are struggling. High rents unsustainable. 05:03   Liveable rents should be 25% of your income. 05:41   State housing not so glamorous. 06:04   Housing NZ have seen the big picture. 07:00   NZ is a low wage economy. Most clients are pensioners, beneficiaries. 07:13   Two types of pensioners. 07:41   The rent is higher than the state pension and reliant on help. 08:11   The NZ dream of home ownership. Land of milk and honey. 08:54   The goal of owning your own home is still big. 09:34   Is the goal to own a home unreachable? 10:01   Three families living in one home. 10:54   Positives and negatives of many living under one roof. 11:33   Extending their current homes to accomodate looking after your parents. 12:06   What’s the poverty line? 12:20   Minimum wage and eradicating the word. Living wage.$24 12:50   National Supporters say: "Well if you're poor you can’t afford a holiday to Fiji!" 13:30   Always trying to keep the roof over your head. 14:00   8 9000 power disconnections going on each year in NZ 14:27   Paying better wages is a win win situation. 14:48   The reality is if you’re living an impoverished life your kids most likely get sick! And one or both parents have to take time off. 15:09   NZ is increasingly becoming poor. 15:25   Righteous points of view and saving your way out of poverty. 16:07   Homes are now more like 7 to 11 times your annual income. 16:50   in 2020 you can be working full time + over time and still never afford to own a home! 17:00   Many people are working 2 or 3 jobs just to get by. Ships in the night. 17:52   Having just enough money for a small reward. 18:16   Leading cause of poverty. Rising cost of private rentals. 19:09   The migration south and rents going up across the board. 19:49   Family had 7 increases of rent in 4 years! 20:05   People are having to move but there’s a cost. 20:46   Does it matter who’s in government? 21:25   The reason I do this job growing up poor. 21:50   My mum had to re-peal potato skins to make crisps. 22:41   Child poverty monitor report and statistics. 23:40  Currently Family of four spending $39 a week Example of family spending on groceries. 24:21   Food parcel types. "Whakama" - Cultural Shame and people too embarrassed to ask for help. 25:40   Homeless food parcels on the rise. 26:10   Paying it forward. 26:31   A vision for NZ. To survive and to contribute to society. 27:00   Lions Club and free entertainment. But vast majority of poor families refuse the treat as they can’t afford the gas to get there. 27:47   How does poverty affect society? It impacts both mental and physical health. 28:23   Pensioners can’t afford the heating and living in the cold. Emotional wellbeing. 29:08   Poverty is not racist and affects everyone. 29:14   Growing up in a poor family. Solo parenthood. 29:57   Poverty has an affect on the whole community. 30:18   Everyone knows someone who is struggling. Cultural shame it’s ok to reach out. 31:00   0508 22 22 83 ABC Budgeting. Social services. 31:45   We are not a third world country yet people still go without. 32:12   Hungry kids not going to school. 32:40   Changing the perception of poverty and consumerism. 33:15   A lot of people are not having a festive time. 33:42   Buy now and pay later. Credit. Repayments. 85% of contracts are set up to fail with loans. 34:32   Financial literacy in schools and education. 35:20   Nice story about Tongan pensioner. Educating her children. 36:00   Discussing money matters at home. 36:54   Darryl’s high school story about knowing if your home is owned or rented. 37:28   Darryl’s on son and his financial education. 38:41   Dec 11 the most common day for relationship break ups. 39:30   Relationship counselling and living in debt is extremely stressful. Impact on children. 40:16   Stressful time of the year. Move away from a commercial christmas. 41:00   Experiences over buying presents and quality time. 42:00   The programme of commercialism and material possessions. 42:40   Buying and spending and feeling the reward. 43:10   Buy only if you can afford it. 43:15   Budget ways to make presents. 43:40   People are hardest hit by bills in February. 44:05   Future goals and retirement and thinking ahead. 44:10   Worry about kiwis that haven’t achieved home ownership. 45:35   Having a comfortable retirement. 46:03   NZ was always the land of milk and honey. 46:30   If you could change the country what would you do to make it better? 46:45   We need more affordable houses. 47:24   Mixed model housing and it’s benefits. 48:08   London wages system. 49:42   Really proud of all the people we have helped and changed their lives. 50:19   The thing I really hate about some property development at the moment. 50:00   So many people are living in motel rooms. 50:22   Story of living in a motel room and it’s costs. 51:10   Darryl’s real life church story at his talk. 51:55   Countdown story of how many people queued for a job. 52:50   Living on the dole vs working. 53:35   Listening to the experts income and benefits have to rise. 54:20   Schools and financial literacy. 54:46   Mangere budgeting teaching 1000’s of students. 55:18   The ⅓ rule of pocket money teaching good habits. 55:58   Student debt a good thing? 56:40   Problem with students of leaving home and coping. 57:20   Last thoughts from Darryl. 57:50   Volunteering and teaching empathy. 58:15   Lets bring a bit of brightness to someone. 58:42   Budgeting and Family support services. Mangere, Otara or Tuakau. Freephone 0508 22 22 83 http://mangerebudgeting.org.nz/ Merry Christmas from Reality Hub x 59:36 Outro music.