b. home-grown
greens.
Dig up as much soil as you can in a sheltered sunny place
and regularly plant spinach, silver beet, broccoli, parsley etc,
then keep it weeded and watered.
If you live out-of-town doing only seasonal jobs, you will have
the land and time to tend a large vegetable garden, and to hunt
and butcher animals.
c. free coffee
An expresso machine extracts only about 80% of the caffeine in the
 beans.
20% remains in the grounds. But don't get old grounds from a
rubbish bag, they will be stale and could contain disease germs.
Ask a café worker you know to save some for you in an airtight
container, like I did here. Then either simmer them just below
boiling for a few minutes, or soak some overnight in cold water,
then strain off the grounds and heat it for your morning coffee. I
heated up two of the 'biscuits' with about 1½ cups of water
for 5 minutes, let the dregs settle, poured off the clear
liquid and added milk and sugar.
d . pumpkins
They have 1/3 the calories of potatoes, are packed with vitamins
and minerals, keep for many months, are easy to cook and very
versatile.
But ready-cut pieces of supermarket grey Crown pumpkin sell for
$4/kg. In April, May, June, buy the biggest whole grey pumpkin you
can find each time you shop. They all sell for about $5 to $6.50
each. Even mid-city apartment dwellers can do this. Last April I
bought a 5kg grey pumpkin for $5. Store them in a cool dry place.
Or save the seeds from one, dry them out and plant in a warm
fertile corner in springtime. In colder areas, start them inside
in pots on sunny window sills. Keep pots well-watered.
e. hunting...
Land animals
First ask more experienced hunters
about the likelihood of diseased or poisoned animals.
Rabbits from grassland.
Wild goats, ducks, turkeys, peacocks, pheasants, black swans.
Deer and wild pigs.
Possum hind legs.
Water animals
The water may be polluted, so cook
thoroughly.
Freshwater crayfish
Shellfish from beaches.
Fish from wharves, surf and from boats.
Eels from streams, rivers and ponds
Escargot, garden snails, are a gourmet treat. Feed them on rolled
oats and peanut butter for a few days, then wash in salty water to
remove slime. More.
...and
gathering
Foraging in New Zealand by P Langlands.
Read it for free on Libby.
Search
for wild greens that you can safely
eat (not recently sprayed or
polluted); chickweed, young dandelion and red clover
leaves, nasturtiums, plantain, red and green sea lettuce (Porphora
and Ulva), stinging nettle (boiled
in soups, stir-fries etc; not raw!) watercress (only
above the waterline, and boil)

I was given a miners' lettuce plant a few year ago. It is the
perfect garden weed: very edible with no fibres, and it has now
spread everywhere, suppressing other garden weeds. It can be
pulled out easily, and what is not eaten can be quickly composted.
Mushrooms, brown underneath. Blackberries. Rose hips, from gardens
or barren hill country. Tasty and rich in vitamin C.
There are many recipes for rose
hip syrup.
Local fruit trees - roadsides and empty sections often have cherry
plums or apples falling to the ground and rotting. Bottle or
freeze the cooked plums.

I have been dehydrating the apples I collect: cut in thin slices,
dipped in water with citric acid or lemon juice, dried, laid on
mesh or bird netting on top of tray, into our oven at about 60°C
until leathery.
f.
train your children to
cook
Give points for the low cost of ingredients, high nutritional
value, a tidy kitchen when finished, tasty food, original new
contents—and reward them with ice cream, meat, whatever, each time
they reach a new goal.
Encourage them to go hunting and gathering too!
FOOD - POWER - THE NET
- CLOTHES - HOUSE ITEMS - FINANCE
- TEETH -
OLD AGE
2. Lower Power Bills
Use less, change
retailers, get solar panels
a. the Warmer Kiwi Homes
Grant
Trusts, health boards and the NZ government recognise the impact
that proper insulation and energy-efficient heat pumps have on
creating warmer, drier, healthier homes. GreenSide
and EnergySmart
are two companies that help bring houses up to a healthy
standard for all New Zealanders, using grants that provide up to
90% off the price of insulation and up to 80% off the price of
heating for those
who are eligible. If you are renting, show your landlord this
page.
b. less hot showering.
A hot shower costs about 1 cent per litre, 10 cents a minute. We
limit shower time to 10 minutes ($1) a week per per person. On
other days we clean part or all our body with a basin half filled
with hot water (3 cents) and a small wet towel. We have a timer on
the hot water cylinder to heat it when power is cheapest (or
free).
c. a dry house.
The water in a damp home absorbs a lot of heat. I pull back the
curtains on the north and east of the house at sunrise and on
sunny winter mornings we open the windows to let dry air in. We
have an extractor fan in the kitchen, and sleep with the bedroom
window slightly open.
d. room dehumidifier
We have a very sunny house and don't need one, but others told me
it might cost a dollar a day, save several dollars of heating, and
stop the family getting winter coughs and colds.
e. home
heating.
We dress warmly, have a heat pump in the lounge/dining/kitchen
area, and in the bedrooms we have electric blankets, thick duvets
and pyjamas buttoned up to the neck. On very cold nights I wear a
beanie in bed. We sleep at night with the door open and sometimes
with the window ajar to stop our bedroom getting damp.
f. drying
clothes.
We wash clothes and bedding on sunny days when possible, and hang
them outside. Even if this gets them only half dry, that cuts the
electric drier time in half.
g. cooking.
We use the microwave as much as possible. When baking, we try to
cook several items at once.
h. curtains.
We open them when sun comes up and close them at sunset to capture
as much of the sun's heat as possible. We have thick,
close-fitting curtains to stop heat loss.
When we lived in an old state house, the curtains moved when the
wind blew, so I put sticky foam strips to seal the wooden window
frames, and padded ‘snakes’ to close the gap under the lounge
doors. The wood stove in the lounge kept it hot, but the back
bedrooms stayed cold and damp. The owner installed extractor pipes
above the ceiling to blow hot air from the lounge to the bedrooms.
Magic!
i. lights.
All ours are now LEDs. They use about 1/7th of the power of
old bulbs.
j.
boiling the jug.
An ordinary 2kW hot water jug takes about 1½
minutes to boil 500mls of cold tap water, at a cost of about 2
cents. Boiling just a bit more than you are going to drink will
save a few cents every day.
Boiling a cup of water in a microwave oven is more expensive
because it doesn't switch off when water boils, and there is a
risk of scalding yourself when you remove it.
k. power retailers
The local lines company delivering electricity to your house will
charge the same, no matter who sells it to you. So you need to
compare the unit charge and daily charge of each retailer for your
area. Prices change for different regions. I suggest you get a
local group together, collect all your midsummer and midwinter
invoices, and find someone who can use spreadsheets to figure out
your cheapest retail power supplier.
We have panels, and I checked different unit and daily charges
before switching to Ecotricity in July 2025.
If we did not have panels, I would have used Powershop for its low
unit charge.

And an Aucklander made this list in mid-2025.

It may be cheapest to switch at the end of October to the retailer
with the lowest daily rate — Genesis Low for Aucklanders — and at
the end of March to one with a cheaper Unit cost — Meridian for
Aucklanders.
l. solar panels
When buying a house, try to find one with a roof facing the sun.
Our roof faces nor-west and our 22 three-year-old 350 watt panels
generate about 10,500 kWh of free power each year. We sell it to
Ecotricity in summer for 16 to 21 cents a kWh, and that pays for
most of the power we buy in winter.
The newest panels are transparent and can generate power from
light reflected back off the roof, and so produce 440 watts,
giving more power for the same priced panel. Here is financial
advice about installing a solar system in NZ.
FOOD
- POWER - THE NET - CLOTHES
- HOUSE ITEMS - FINANCE - TEETH
- OLD AGE
3. lower Internet Costs
a.
Public libraries
have free wifi for your laptop etc, and also computers that you
can use for free.
b. Zero.govt.nz
Zero.govt.nz
will connect you to NZ government websites without you having to
pay for the data you download, for example, an online educational
course. The data is paid for by the government.
c. Skinny Jump
Skinny
Jump is for those who don't have a broadband
connection at home because cost is a barrier: for example,
families with children, job seekers, those over 65, people with
disabilities, prison leavers, those in social housing, refugees
and migrants. You get a free modem, and pre-pay only $5 for every
35 GB you use.
d. Free
computing software
Best free anti-virus for PC, Mac, Android, iOS - Total
AV
Instead of renting Microsoft Office, download free LibreOffice.
Instead of renting Adobe Photoshop, use Photopea.com
online.
Best free audio editor — Audacity
e.
Cellphones
Companies such as Reebelo,
Expert Infotech or Good Tech offer refurbished older premium
brands such as iPhone, Google Pixel or Samsung, with new or 90%+
batteries, guarantees, testing, a warranty, and accepting
trade-ins. In 2025 my wife was still using a 1916 iPhone 7 she
bought refurbished in 2020 for $250. Or buy one on TradeMe from
someone with a good rating. I bought a 2022 iPhone SE ($450 new)
for $300.
f. Free
library books and magazines online
Download the Libby app
on iOS or Android.
Or go to Libbyapp.com
on your computer.
You only need your library card number and password.
You can read library books there.
There also are hundreds of magazines, both the latest issues, and
old copies.
If you haven't got a library card, you can get a card for free
from your nearest public library.

.
.
g. Free
resources for students and researchers
i. Educational
movies for students
Beamafilm/students
is free if you have a library
card.
Otherwise $10 a month.
ii.
Classic films for culture and media students
You may legally
use an archived work for educational
purposes. There are sites like Youtube and
Beamafilm that will distract you with junk mindfood and adverts,
but there are also some sites with a selection of good
full-length movies. Make sure you have your (free) anti-virus
app switched on. Russians are a cultured society (despite
their dictator) and their site ok.ru
has a huge selection of classic movies, no time-wasting
video adverts, and it has never triggered my anti-virus
software. Here are some examples from Ok.ru.
If you are learning German or
Spanish or Mandarin, etc, then Ok.ru also has many
English-language movies dubbed in other languages, and foreign
movies dubbed in English.
FOOD - POWER
- THE NET - CLOTHES - HOUSE
ITEMS - FINANCE - TEETH
- OLD AGE
4. Clothing
Wear
one, wash one, keep one spare
a. Underwear
- Temu, Aliexpress, Farmers
b. Outer clothing and
footwear
- 2nd hand
shops, TradeMe, Councils' Zero Waste depots.
c. Something different
- When you want to be
noticed, swap with others!
5. House items
Reuse,
repair,
recycle
a. Small
items
- TradeMe, Temu, Aliexpress, but
NOT Facebook.
b. Kitchenware, furniture,
sports gear, bikes, toys.
- 2nd hand shops, garage sales
- Councils' Zero Waste depots.
This is the former 'rubbish dump' of my little tourist town,
Ohakune.
52% of what comes in to the 'dump' is now recycled and resold at
token prices instead of being buried.
c. The most economical used
cars, $5k to $20 picked
by the AA
Mazda Demio - reliable, durable,
petrol, 5 lit/100km
Nissan Leaf - very reliable, very low
maintenance costs.
$15 to charge battery for 350km journey.
Battery
loses about 10km of range each year.
Toyota Prius hybrid, reliable, only 4
lit/100km
850 km
range on full $100 tank.
Mitsubishi Outlander - for larger or rural
families
Petrol,
diesel, hybrid, 4WD options.
FOOD
- POWER - THE NET - CLOTHES
- HOUSE ITEMS - FINANCE - TEETH
- OLD AGE
6. Finance
Look
before you leap - into debt

In our sick, self-centered Western world, the rich Scrooge McDucks
are always trying to make you spend more money than you have, on
things you don't need. So if you are struggling,
go to the
Money Talks website and get connected with
free money mentors and services to help you out of financial
hardship.
The
role of money mentors
Finding a local money mentor
Avoiding
online
scams
Withdrawing from Kiwisaver
Prevention
is cheaper than cure
a. Clean your teeth
regularly
Clean them after eating, especially after sweet foods or lollies,
and train your kids to do the same. Depending of where you/they
are, rinse with water, rub with finger/twig/cloth/toothbrush,
clean with baking soda, toothpaste or fluoride toothpaste.
Brush along the gum-line to reduce plaque and the threat of gum
disease. Use thread, floss or a mini-brush for gaps between teeth.
b. Regular
checkups
Make sure your kids get a checkup and dental care every year —
this is free until 18. Urban state primary
schools have dental clinics, but if your child is in a rural,
secondary, or private school, doing home schooling or
correspondence, or your family is constantly moving
(shearing, fruit-picking, contracting, house-bus, yacht crew etc)
you may forget to do this.
When you are older, save up $30 a month for an annual checkup.
Or
join the army! NZDF personnel get free dental care.
c. Preventive dentistry
I used to get fillings at almost every visit to the
dentist, and extractions as I got older. When I was 70 years old,
we moved to Ohakune, where the wonderful woman who is the dentist
here practices preventive dentistry: teeth checked, plaque removed
and fluoride varnish applied. I have had only one filling and one
extraction in 12 years, saving thousands of dollars.
d. Government help
If you are on a low income or a benefit, Work
& Income may be able to help you pay for immediate and
essential dental treatment. You can apply for up to
$1,000 a year, to help with immediate and essential
dental treatment. You don't have to pay this back. Find
out more.
FOOD
- POWER - THE NET - CLOTHES
- HOUSE ITEMS - FINANCE - TEETH
- OLD AGE
8. Old Age
Use
it or lose it
a. Get
ready a decade earlier
 Prepare
for retirement in your middle age. Just before we reached our 70s,
we moved to a small, sunny house (easy
to maintain and keep warm) on flat ground in a quiet
street with young families and near shops, medical services,
public transport etc.
Old folks' homes are expensive (and
boring), and maintaining a healthy body in middle age has
saved us thousands.
b. Keep your balance
Falling over and breaking bones is expensive (and
not much fun) so you need to be able to keep your
balance. If you can't afford to go skiing when you retire, go
dancing instead, or do these Steady
As You Go exercises with a weekly group, or in front of your
computer.
c. Keep your wits about you
Here's how to reduce the likelihood of senile and physical decay:—
- Eat a balanced diet (high
protein and micro-nutrients, low carbs)
- Maintain social contacts and make new ones.
- Exercise both your mind and body by finding
new challenges, from walking Te Araroa to more exercises while
sitting in a chair.
- Help others by doing what you are good at, at a
stress-free pace. (Former
president Jimmy Carter built houses for the poor right into
his 90s)
- Keep weight, blood pressure, cholesterol etc. at a
healthy level.
- Establish daily, weekly, monthly and annual routines
to keep doing all these.
- Keep alcohol intake low and don't smoke.
- Protect your head.
- Keep laughing.
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