How It Is To Live and Raise A Family in New Zealand (Part 1: The Economics)

Disclaimer: Everything that’s written here is based on our own family’s experiences and based on my perspective and preferences. This is just the first part and this post is more about the financial aspect.

South Island, New Zealand (2014)

First, let me give you a background of how and why we came here.

It was in 2011 when my then-boyfriend told me he wanted to come here in New Zealand to see whether or not he would love to live and work here. With my do-what-you-want-and-what-you-think-is-right-for-you attitude, I simply agreed. Because we’re after what’s practical, he came here first while I continue with my life and work back in the Philippines. He came here in early 2012 with a visa that did not restrict him from applying for a job and he was fortunate enough to find one. Fast forward to mid-2013, I came here trusting his judgment that NZ is a great place to live and build a family. Fast forward a little bit more to January 2014, I got pregnant and we got married. And now we have two boys already with two years and a month age gap.

So how’s our life now here in New Zealand?

Three words: HARD YET BEAUTIFUL.

I can’t give you separate reasons for why it is hard and why it is beautiful because hard and beautiful seem to be inseparable to describe our life here. Hardships lead us to life’s beauty. For every beautiful aspirations that we have, we need to go through hardships.

This is what I would honestly say to anyone considering to migrate here in NZ:

If your main goal is to become wealthy, I doubt that you can achieve it here unless you are single and not planning to start a family anytime soon. If your main concern is your family with you being the best provider of material things, you come alone and work here then let your family stay in the Philippines. If your main goal is to provide a better environment to your family and better education to your children without having to pay hundred thousands of pesos a year for the tuition, come here BUT… be ready to live in the simplest and most practical way as possible.

Financially speaking, it is hard to survive here. Most Filipino couples here that we know are both working. In our case, my husband has been the sole provider and I am a stay-at-home mom. At first, it was by choice because we never want to put our young children (3 years old and 1 year old) in childcare centre and none of our parents would stay here to look after our children full-time. Now it is hard for me at the moment to work even if I want to and even if we need to since I got sick this year.

Putting our children for full time in a childcare centre will cost us at least $400 (around 14k pesos) per week. If my child gets sick while he’s under their care, I would have to take a leave from work to pick him up from the centre while still paying the full amount.

Renting a decent 2-bedroom house here in Auckland would usually cost at least $400 per week (if you’re lucky like us). That’s around 60k pesos per month excluding the utilities (electricity, water, phone, internet). Our weekly groceries would usually range between $150 to $200 (5k to 7k pesos). As much as my judgment is concerned, we are already being thrifty while minding our family’s, particularly our children’s, health and well-being. Food is really expensive here but both me and my husband were raised in households where food and nutrition should never be sacrificed.

Do we still go for shopping? Yes, to purchase our children’s needs. For me and my husband? Rarely. Most of my clothes are either from the Philippines (the ones I brought here back in 2013 and the ones that were given to me by my mom-in-law and sister) or hand-me-down clothes from my husband’s aunt. I haven’t even bought any cosmetics in the last 3 years. Shoes? One in a year and I go for bargains…up to $20 (700 pesos). Bag? Yes, a nappy bag that we have been using for 3 years already. My engagement ring doesn’t have diamond or any stone and our marriage rings are from Philippines. And my phone is still an iphone5s.

Going out and about, we go for bus and train, especially if we’re going to CBD, since the parking fees are tremendously awful. We occasionally ride in a taxi or even the likes of uber.

We rarely eat in restaurants now. We would pack our lunch as much as possible whenever we go out. If we’re not able to, we either buy from takeaways or you can find us in a foodcourt.

You might say, “I’m sure the salaries/wages there are high.” No! It might sound big if you convert it to pesos but go back to the above-mentioned expenses then think if the net salary here is really high.  Plus we need to pay really huge amount of tax.

Sounds hard? Yes, it is hard. So why are we still here? It is our decision. It is mainly for our children.

I gave birth to my two boys free of charge. The only prenatal service that we had to pay were the ultrasounds. The healthcare providers even come to our house for postnatal check-ups and for the regular check-ups of our children since they know that I can’t drive. Immunisations are free. They are being checked and treated by our GP (family doctor) for free and that’s until they’re 12 years old. We don’t even have to pay for our admissions to the hospital. Their dental treatments are free until they’re 18. Schools here are not as expensive as the private schools there in the Philippines.

If we want to take them to museum, it’s free. If we want to go to the beach, we can go anytime for as long as our car has enough petrol or we have extra for bus fares. We don’t have to pay for the beach resort entrance. All beaches are open for public for free. Playgrounds and parks are open for public and they’re free of charge. We were able to feed the lambs for free. Almost every suburb has a public library from where we can borrow several books at a time for a month all free of charge.

Considering all of these, we may not have all the material things that other migrant workers or OFW can purchase but we are sure that our children have the opportunities to gain knowledge and wonderful experiences from going to museum, parks and beaches, and from being able to read several different books in their lifetime even if our family is low on budget. And that is what’s most important to us.

In the next part, I will talk about how we are coping as a family while living away from our families and relatives back in the Philippines.

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