{"id":342,"date":"2023-03-02T04:44:33","date_gmt":"2023-03-02T04:44:33","guid":{"rendered":"https:\/\/whairawa.com\/wahine\/?p=342"},"modified":"2023-03-06T23:28:16","modified_gmt":"2023-03-06T23:28:16","slug":"tereka-akoka-flatting-tips","status":"publish","type":"post","link":"https:\/\/whairawa.com\/wahine\/articles\/tereka-akoka-flatting-tips\/","title":{"rendered":"TEREKA \u0100KOKA: FLATTING TIPS"},"content":{"rendered":"<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-366\" src=\"https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2023\/03\/Student-Series.png\" alt=\"\" width=\"294\" height=\"294\" srcset=\"https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2023\/03\/Student-Series.png 500w, https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2023\/03\/Student-Series-300x300.png 300w\" sizes=\"auto, (max-width: 294px) 100vw, 294px\" \/><\/h4>\n<h4>FLATTING TIPS<\/h4>\n<p>Wahine m\u0101 \u2013 is it your first time flatting? We have some tips and tricks we hope will help. From flat bank accounts to saving power we have it all for you below!<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-37\" src=\"https:\/\/whairawa.com\/wahine\/wp-content\/uploads\/2022\/07\/icon-2.png\" alt=\"\" width=\"81\" height=\"77\" \/><\/p>\n<ul>\n<li>Many banks offer free accounts that aren\u2019t necessarily student accounts. Because your flat will incur joint costs like power, internet and household expenses if you cook together, it makes things easier if you agree to transfer one amount a week to cover the basics. At the end of the year, once all bills are paid, what\u2019s left over can be shared among everyone. This type of account can be a great way to run a flat\u2019s finances.<\/li>\n<\/ul>\n<ul>\n<li>When flatting you\u2019ll have to pay for your power which can be a lot especially in winter! Your electricity isn\u2019t connected to your landlord, so you\u2019re able to choose whoever is cheapest.<br \/>\nPower costs vary according to which energy retailer you use \u2013 use\u00a0<a href=\"https:\/\/www.powerswitch.org.nz\/\" target=\"_blank\" rel=\"noopener\"><strong>Consumer Powerswitch<\/strong><\/a>\u00a0to compare what\u2019s best for your flat. The Energy Efficiency and Conservation Authority (EECA) also has\u00a0<a href=\"https:\/\/genless.govt.nz\/living\/living-gen-less\/do-more-with-less\/\" target=\"_blank\" rel=\"noopener\">lots of useful tips<\/a>\u00a0on how to keep your heating costs down.<br \/>\nTalk to your flatmates and make sure you are all on the same page when it comes to your power bill.<\/li>\n<\/ul>\n<p><strong>There are some good habits you can incorporate that can help to save p\u016btea in your flat! These include:<\/strong><\/p>\n<ul>\n<li>Turn off lights when you leave a room.<\/li>\n<\/ul>\n<ul>\n<li>Use energy saving light bulbs.<\/li>\n<\/ul>\n<ul>\n<li>Turn off your hot water cylinder if everyone goes away for term breaks \u2013 there\u2019s no point heating a tank of water in an empty flat.<\/li>\n<\/ul>\n<ul>\n<li>Electric blankets are cheaper to run than fan heaters because they use less megawatts per hour.<\/li>\n<\/ul>\n<ul>\n<li>Turn TVs off, not to standby.<\/li>\n<\/ul>\n<ul>\n<li>Defrost the fridge and freezer regularly \u2013 an inefficient fridge is expensive to run.<\/li>\n<\/ul>\n<ul>\n<li>Get into the habit of charging your laptop and phone at university while you\u2019re studying at the library or study areas \u2013 it also means you\u2019ll be fully charged when you head home.<\/li>\n<\/ul>\n<ul>\n<li>If your local area charges for water and you\u2019re renting a flat, check if your landlord covers it. If not remember to budget for that.<\/li>\n<\/ul>\n<ul>\n<li>Flatting often means eating on a budget but you don\u2019t need to eat poorly just because your budget is limited. See our article <a href=\"https:\/\/whairawa.com\/wahine\/articles\/tereka-akoka-eating-well-on-a-budget\/\" target=\"_blank\" rel=\"noopener\">here<\/a> on eating on a budget for some tips and tricks to save you money.<\/li>\n<\/ul>\n<ul>\n<li>Money management is key when you are first flatting. Thinking about how you spend your salary, wages or government contributions is really important. An easy budget planner can help and give you some understanding of where your major expenses are. As we mentioned above you need to allocate money for:\n<ul>\n<li>Rent<\/li>\n<li>Power<\/li>\n<li>Internet<\/li>\n<li>Groceries<\/li>\n<li>Car expenses\/public transport<\/li>\n<li>Insurance (car and contents)<\/li>\n<li>Other discretionary items like clothing or health expenses<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>Remember you need to also pay a bond and often some weeks rent in advance when you move in. If you are starting to think about flatting this is a great first step. Do some research and find out what an average room or house will cost and then aim to save 2-3 weeks rent and a 2-3 week bond in advance so you have this in cash ready to go. This can often help speed up the rental process as well as you do not have to scramble to find money once you find the perfect whare for you.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>We want you to also invest in yourself with some savings or investment contributions. It can be hard but sticking to a budget will really help until you get settled.<\/p>\n<p>&nbsp;<\/p>\n<p><em>The information contained in this document is intended for general guidance and information only and is not personalised to you. It does not take into account your particular financial situation or goals.<\/em><\/p>\n<p><em>The links shared and associated content on this website have not been vetted or otherwise approved by Whai Rawa Fund Limited and neither Whai Rawa Fund Limited, nor Te R\u016bnanga o Ng\u0101i Tahu endorse the linked material or its provider in any way. The information provided by these links and third-party providers is not personalised to you and your situation.\u00a0 Before making any investment decision, or taking any action or not, you should refer to the Product Disclosure Statement and \/ or consult a licensed financial advice provider.<\/em><\/p>\n<p><em>Whai Rawa Fund Limited is the issuer of the Whai Rawa Unit Trust. A copy of the Product Disclosure Statement is available at www.whairawa.com\/pds. A financial advice disclosure statement is available for Whai Rawa Fund Limited at www.whairawa.com\/financial-advice.<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FLATTING TIPS Wahine m\u0101 \u2013 is it your first time flatting? We have some tips and tricks we hope will help. From flat bank accounts&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"class_list":["post-342","post","type-post","status-publish","format-standard","hentry","category-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>TEREKA \u0100KOKA: FLATTING TIPS - W\u0101hine<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/whairawa.com\/wahine\/articles\/tereka-akoka-flatting-tips\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TEREKA \u0100KOKA: FLATTING TIPS - W\u0101hine\" \/>\n<meta property=\"og:description\" content=\"FLATTING TIPS Wahine m\u0101 \u2013 is it your first time flatting? 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