Hey everyone, itβs me Pad with another advertisement!!! After 4 successful PadORGs: The Battle s1, PadVIVOR s1, Big Brother s1 and The Battle s2, we are returning to work me of my most favorite orgs to host: PadVIVOR for its second season. Itβs PadVIVOR Season 2: Antipode Islands. Iβm looking for 15 brand new players to battle it out for the second winners title of PadVIVOR! Do you have what it takes to outlast 14 other people in an epic battle for victory. Thereβs only one way to find out! Apply today!!!!!!!
β’Exciting/Fun Challenges β’Devoted Hosts β’Easy Idol Hunting System β’PadORG PADallion Twist β’And So Much More!!!
Application: https://docs.google.com/forms/d/e/1FAIpQLSd95in3cJZlFYxdyQ9NP0mJndeCsRQmNOnEr8eJUrb42nJEOw/viewform?usp=pp_url
Server: https://discord.gg/2JUe5Gz
Section One: Assets and Debt
Retirement Balance: NZ has a scheme known as Kiwisaver, where we put up to 10% of our pay aside and our employer does about a 3% match. I contribute 3%, and my Kiwisaver is at $10,400.
Savings account balance: $800.
Checking account balance: $600
Credit card debt (and how you accumulated it): None anymore!
Student loan debt (for what degree): I have a MA (can't specify what for as it will dox me haha!) and a BA. In total these degrees cost me $75,000 including living costs. In NZ these are interest free, and get repaid through our paycheques if you make over a certain amount- currently repayment is at `12% to the dollar. My loan is at -$70,226.99
Anything else that's applicable to you:
- The Kiwi dollar is currently $1 NZD to $0.68 USD. All money spent is listed in NZ.
- My salary is taxed at 30%, plus amounts taken out for union dues, Kiwisaver and my loan. I only get about 50% (sometimes less) after this.
- I finished paying off $8000 of consumer debt with 22.99% interest in August, and recently had to pay $600 for unexpected dental, which is why my savings are at literally 0. I got myself into this debt during a couple of manic periods (I have cyclothymia) between 2017 to 2019 and spent it all on NOTHING OF VALUE WHATSOEVER. I try to be really careful with money when I'm low or at baseline because one of the first signs I am about to hit a high is that I want to buy everything flash and fancy.
- I have $75 in various EFTS and other funds through Sharesies- my brother gave me $50 of shares for Christmas 2020 and I put $10 in when I remembered they existed. Otherwise I forget they're there.
- My Dad pays for my car and health insurance- this is just like cultural appeasement as in his perfect world I would still be living at home and not working lol.
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Section Two: Income
Income Progression: This is my first "real" job, and I make probably $3000 less than most new graduates in sector. I have been working since I was 13 though: I did 7 years in hospo, then 2 years working as a tour guide/curators assistant (one year overlap as I worked two jobs!), then two years as an admin assistant in a mental health scheme and in a specialty long-term hospital, all for minimum wage. I have basically never not worked since I started high school since I wanted to go overseas and study- which I did twice, once in HS and once in Uni.
My job title is very specific but I basically work a
... keep reading on reddit β‘Hey everyone, itβs me Pad with another advertisement!!! After 4 successful PadORGs: The Battle s1, PadVIVOR s1, Big Brother s1 and The Battle s2, we are returning to work me of my most favorite orgs to host: PadVIVOR for its second season. Itβs PadVIVOR Season 2: Antipode Islands. Iβm looking for 15 brand new players to battle it out for the second winners title of PadVIVOR! Do you have what it takes to outlast 14 other people in an epic battle for victory. Thereβs only one way to find out! Apply today!!!!!!!
Application: https://docs.google.com/forms/d/e/1FAIpQLSd95in3cJZlFYxdyQ9NP0mJndeCsRQmNOnEr8eJUrb42nJEOw/viewform?usp=pp_url
Server: https://discord.gg/2JUe5Gz
