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SocietyJune 6, 2025

The cost of being: A dentist getting ready to go on maternity leave

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As part of our series exploring how New Zealanders live and our relationship with money, a dentist explains where their money goes.

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Gender: Female.

Age: 31.

Ethnicity: New Zealand.

Role: Dentist, about to go on maternity leave.

Salary/income/assets: 2023-24 $146,000; 2024-25 projected $98,000.

My living location is: Urban.

Rent/mortgage per week: Mortgage $1272/fortnight, so $636/week – shared between my husband and I.

Student loan or other debt payments per week: Student loan has $35,819 remaining (down from a high of $98,500). Approximately $13000 repayment per year, so $250 a week.

Typical weekly food costs

Groceries: $90-100 per week at Pak’nSave, shared with husband.

Eating out: We tend to go out for dinner once per fortnight – $100 for that, but we try and use First Table where possible.

Takeaways: $20 pizza or fish and chips, usually once per month.

Workday lunches: Never, always bring in leftovers from home.

Cafe coffees/snacks: One solo cafe trip per week while at work ($6.70, decaf) and one cafe trip with husband on the weekend ($20 – two drinks and a scone/muffin).

Other food costs: $15/month on seeds/plants from garden centres.

Savings: $200 per fortnight into an account for extra mortgage repayments, $100 for emergency fund, anything extra into joint account with husband, $10 per week into new savings account for unborn daughter.

I worry about money: Sometimes.

Three words to describe my financial situation: Lucky, focused, nervous.

My biggest edible indulgence would be: Tajin, a Mexican chilli-lime salt from import stores.

In a typical week my alcohol expenditure would be: Currently, none. When not pregnant perhaps $10/week.

In a typical week my transport expenditure would be: $30 for petrol to and from work – I drive a fuel efficient Suzuki.

I estimate in the past year the ballpark amount I spent on my personal clothing (including sleepwear and underwear) was: $1,500.

My most expensive clothing in the past year was: A pink and white chequered dress from KILT, $159.

My last pair of shoes cost: $80 Adidas Advantage shoes on sale – had to size up due to my feet getting bigger in pregnancy!

My grooming/beauty expenditure in a year is about: Haircuts, 3-4 per year at $75 each. Makeup, approximately 4-6 mascaras at $20 each, and one Hawaiian tropic sunscreen each month (including winter) at $16 each. Total cost perhaps $800/year.

My exercise expenditure in a year is about: Two pairs of sneakers and one pair of leggings and a sports top per year – $350.

My last Friday night cost: $20 – brought food over to my sister’s for a potluck.

Most regrettable purchase in the last 12 months was: The aforementioned KILT dress. I didn’t realise it was see-through!

Most indulgent purchase (that I don’t regret) in the last 12 months was: A banana mirror from Simon Lewis Wards on sale for $1000. I had eyed it up for nearly a year and had a dedicated savings account for it. It makes me smile every time I see it in my house.

One area where I’m a bit of a tightwad is: Movies. I love going, but seeing the ticket cost (without food or drinks) top $20 recently means I rarely do it any more.

Five words to describe my financial personality would be: Conscientious, occasionally indulgent, spreadsheets, lucky.

I grew up in a house where money was: Available but used on “big” things rather than small (e.g. buying home brands at the supermarket). Had some great holidays which I will always remember with my family growing up; and my parents stressed the importance of paying off the mortgage as soon as possible.

The last time my Eftpos card was declined was: 2018, when I was a student at the supermarket.

In five years, in financial terms, I see myself: Working part-time, secure, ideally half of the mortgage paid off and with a 3-6 month emergency fund.

Describe your financial low: Starting my first job six years ago – not much money in the bank, monthly pay not due for another three weeks, and bond due for the rental house. Was a very tight three weeks with a lot of toast eaten in the staff room.

I would love to have more money for: Travel!

I give money away to: $10/week savings account started for future daughter, and “liquid gold” donations of plasma when possible.

‘Media is under threat. Help save The Spinoff with an ongoing commitment to support our work.’
Duncan Greive
— Founder
Keep going!
a group of people standing on a christchurch street with a red squiggle behind them. several have bikes; all are smiling but look a bit cold.
Greater Ōtautahi has members from across the political spectrum who are all interested in a future Christchurch where people can choose where to live and how to get around (Image: supplied)

SocietyJune 6, 2025

The group that wants to make Christchurch denser, more connected and more fun

a group of people standing on a christchurch street with a red squiggle behind them. several have bikes; all are smiling but look a bit cold.
Greater Ōtautahi has members from across the political spectrum who are all interested in a future Christchurch where people can choose where to live and how to get around (Image: supplied)

Aiming to be an urbanist voice for Christchurch, Greater Ōtautahi formed last year to advocate for more public transport and affordable housing. Shanti Mathias attends a meet-up. 

It’s a sunny afternoon in the new Christchurch, and the third spaces are bustling. People cross Cathedral Square, passing all the scaffolding. Someone walks past with an immaculately groomed poodle, skirting around three greyhounds on leashes going in the other direction. The cafe on the ground floor of the Tūranga library is popping off most of all. A man on a bike stops to talk to his friend, joking about the Bumble date he’s on the way to. A toddler grips a fluffy while her dad trails behind her with a pile of just-checked-out books. 

The urbanists are loving it. Sitting at the outdoor tables, a meeting of public transport advocacy group Greater Ōtautahi has convened. It’s a social catch-up, with much of the discussion seeming to stem from gossip shared on, I gather, multiple group chats. Very urbanist, very nerdy gossip. 

“I wish City Nerd had come to Christchurch,” I hear, a reference to an urbanist YouTuber who recently visited Auckland. Others discuss developments in housing recommendations made by independent hearings panels in councils around the country. “I can’t believe they’re called independent!” exclaims one person. Someone moans about a proposed building increasing the amount of parking around the hospital; another wonders if there’s anything going on that Greater Ōtautahi can submit on. Not much, is the conclusion: everyone’s in a bit of a holding pattern until the local government elections get under way. 

a group of people standing in front of a building with a kid in a cargo bike
The Greater Ōtautahi group advocates for access to transport and housing in Christchurch (Photo: Supplied)

Greater Ōtautahi formed around August 2024, a conglomeration of Christchurch residents who had mostly met online. “We noticed a real lack of a positive vision around public transport and housing in Christchurch,” says M Grace-Stent, the group’s chairperson. The aim was to be non-partisan, but optimistic. “We see so much room for growth and development here.” 

Other parts of the country had voices like urbanist blog Greater Auckland or Wellington group A City for People, which mobilised around last year’s Wellington District Plan. It was time for a Christchurch equivalent. 

For Greater Ōtautahi, that has looked like lots of engaging with Christchurch City Council and Environment Canterbury. Members keep an eye on decisions going through councils, and have released submission advice for policies like Canterbury’s regional public transport plan and become go-to media spokespeople for public transport issues like the bikes on buses ban. The group meets with elected members and city officials to discuss upcoming decisions and provide a pro-dense housing, pro-efficient and effective public transport perspective. 

a person sitting in the sunshine at a table in a green and black vest with a white button up shirt underneath smiling
M Grace-Stent is Greater Ōtautahi’s chairperson (Photo: Shanti Mathias)

Grace-Stent says that while Greater Ōtautahi is focused on Christchurch, Christchurch’s issues are far from unique. “I think the challenges cities have faced are the same in lots of different places – like, we could learn so much from Japan about how they’ve built earthquake-safe cities.” The ongoing impact of the 2010-11 earthquakes is noticeable, meaning that Christchurch has more space than cities like Wellington, because so many places have had to be rebuilt.

To Greater Ōtautahi, that shouldn’t be a disincentive to build denser housing around the city, rather than rely on the growth of commuter towns like Rangiora and Rolleston which lock people into using cars. “We want people to be living near the city centre, near the amenities, not pushed out further and further into the Canterbury Plains,” Grace-Stent says. 

Engaging with local government means focusing on small details that can make a big difference. Greater Ōtautahi put lots of energy into a decision about Church Corner, an intersection in Riccarton, when changes to the road layout were being discussed at the end of 2024. While most submissions were brief, the organisation wrote a detailed, multi-page submission supporting a pedestrian crossing and the removal of a right-hand turn from a main road, to improve public safety and connectivity for pedestrians and cyclists. That doesn’t mean it always gets its way; the group’s preferred option wasn’t supported by the council, but at least an option that didn’t include cycleways in both directions and made pedestrians wait in the middle was rejected.

Greater Ōtautahi is intentionally open – meet-ups are publicly advertised and new people leave with an invitation to join the Discord group chat. Members lean younger, but come from across the political spectrum. “We’ve benefitted a lot from secondhand Auckland and Wellington escapees,” says group member Peter Galbraith.  

Some are experienced transport planners or geographers (Grace-Stent did a master’s degree looking at inclusive urban design) but others have only learned about urbanism online. “It’s worked well for us doing lots of stuff in person, to meet people where they’re at – we have a really wide range of knowledge from people who do this as their job to people who have seen a few YouTube videos and become interested that way,” Grace-Stent says. 

The group is still figuring out its strategy around the upcoming local body elections. It isn’t endorsing particular candidates (although several Greater Ōtautahi members are considering running). “We want prospective elected members to move beyond the residents associations and the sort of traditional community groups and go out and listen to stuff that is really happening in their communities,” says Grace-Stent. The group also wants to encourage more young people to vote and be engaged with the process, although it hasn’t figured out what exactly that looks like. 

For Grace-Stent, the key thing is to hold onto the idea that accessible and affordable housing and public transport options that give people choice about where to go and how to get there is a means, not an end. “Our vision for the city is a place where people can be friendly and spend time together,” they say. “Being able to live in the city, being able to bike around, having public spaces – these things can make it possible for that friendship and connection to be experienced by lots of people.”

‘Media is under threat. Help save The Spinoff with an ongoing commitment to support our work.’
Duncan Greive
— Founder