Posts Tagged ‘budget’


Wahid Hussaini

By Wahid Hussaini

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New Zealanders have a very high car ownership rate.  Even in cities like Wellington and Auckland, where there is a greater convenience of public transportation than the rest of the nation, citizens choose to drive to work. According to Metlink, only 17% of Wellingtonians and 7% of Aucklanders use public transportation as opposed to other cosmopolitan cities with upwards of 50% usage of public transportation. Even third world countries have better transportation systems than New Zealand.

Traffic in Wellington

Joining the Rest of the World

It is time for cities in New Zealand to join the rest of the developed urban metropolises (and even the not-so developed-ones) with the amount commuting we do in public transport.  Cities like New York, Seoul, Mexico City, Moscow, Paris, Tokyo, Beijing, and heaps of other cities have massive public transport systems. And there are many other cities which are currently building their own public transport systems.  For example, Bangkok, Thailand has been notorious for having traffic jams all over the city. Only when Bangkok recently built its own transit system have conditions greatly improved.

Auckland, which houses about one third of the entire population of New Zealand and has upwards of one million people, only has two and half train lines and only a few buses. These provide less service than public transit systems of many other global cities. There can only be so many roads built to provide for the hoards of traffic which travel in and out of the city. Environmental issues and traffic jams are major problems for such a small nation. New Zealand has a great environment and wonderful scenic views. Why must we destroy it with private vehicles?

Highway towards Auckland

I really don’t mean to put New Zealand down. I love this nation from Wellington to Waitomo, but I wish we can improve the layout of traffic in cities. Our metropolises have a great potential of improving the flow of traffic in and around them, which will enhance the look and feel of our urban environments.

Start Slowly

If public transportation scares you, why not start with using public transport once a week. You will then find that the bus and train system is not as daunting as it might seem and you will start to use public transportation always when going to work, school, or doctors appointments. Me personally being in Wellington for a short amount of time, it seems so much easier to avoid bringing the car into the city centre from the outer-laying suburbs due to the hassle of parking and traffic.  Wellington, being so small, is much better to navigate on foot rather than by car.

Budget in Transportation

In terms of budgeting, public transportation is very predictable when it comes to how much you spend a month.  You only have to give a certain fixed amount of your income to provide for public transport, whereas a private vehicle leaves you with much more unpredictable costs. Your private car can break down at any time, petrol fees are always swinging up and down, and traffic on the roadways can always build up when least expected (changing the required amount of petrol).

Keep in mind that you can avoid having to pay for petrol and other maintenance costs if you can avoid using a car. And I’m sure most of you can agree that parking in the city can put a hefty weight  on your wallet as well. If more people start using public transportation to travel in and out of the city centre,  and to navigate the city itself, the entire system will inevitably improve as  buses and trains will to have keep up with increasing ridership and will start to run more frequently.

If you start to use public transport more often (which is what we all should be hoping for),  definitely buy a monthly bus or train pass or a card that will speed up boarding and exiting (such as the Snapper here in Wellington) as those will save you money from buying the full fare every time.

Greater New Zealand

If enough New Zealanders start taking public transportation to work and school, at least in our larger cities, the infrastructure of the city will improve as this will do improve gridlock.  Not only is this better for your budget, but it will also improve the air quality of cities. Not to mention the emission of green house gases into the atmosphere.  It will decrease our dependence on foreign oil and imported goods (Japanese and American vehicles) which is better for our economy. All in a day’s work to improve New Zealand.

Buses in Wellington, part of GO Wellington


Wahid Hussaini

By Wahid Hussaini

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The debate about whether money can lead to happiness is never-ending. Researchers, consumers, and citizens can never seem to agree, yet there are quite valid arguments on both sides.  Let us take a look at some of these issues.

Money Gives You a Social Life

Humans are very social creatures – perhaps the most social species on this planet.  Therefore, we do whatever we can to be in the company of others. Whether it is to go to a friend’s place just to relax, go out to town to watch a movie or have a couple drinks with friends, we will try to find something to do just so that we can be with other people. Many will agree that we can only participate in social activities with money, making us happy or at least content.  In this regard, money does lead to happiness.

But when you take a closer look, these social interactions happen only because you have money to spend on yourself and perhaps on your friends as well.  Then you may begin to ask yourself if they are your friends because they like you or because you have money to spend. This in turn can make you quite depressed, leaving you with the belief that you don’t have any real friends. As cliche as it may sound, it is up to you to see the glass as half empty or half full.

Stress Exists Because Money Exists

A blog about money and happiness by G.E. Miller , illustrates interesting arguments both for and against. Personally, I find money has a lot to do with stress. Having money leads to stress, not having money leads to stress.  Basically, the fact that money exists leads to stress! On one side of the argument, having more money leads to greed. If you have just gained access to a rather hefty sum of money (whatever this amount may be for you personally) you will be in search for more money. And so continues the ongoing never-ending cycle of seeking more money. Someone with a large sum of money will always be worried about how to sustain their wealth, keep it safe, and how to obtain more. It is the vicious cycle of wealth, leading to greed,  yielding stress.

But if the person is more responsible and can learn to appreciate the amount of money they have, then money can lead to happiness. If someone earns an income that provides them with the very basics – food, clothing, housing, bills – then money will at least lead to a content life.  And if that person can deal with their debt (by deal I mean not getting into large sums of debt) then they don’t have that added stress either.  Debt, of course, is something huge here in New Zealand and the rest of the developed world.  Having the ability to spend borrowed money has led to many problems for individuals and entire nations. Therefore, responsibility is a key factor in whether or not money equals happiness.

You Need Some Money to Live, You Want More Money to Live

An article by David Futrelle in Money Magazine explains this point rather clearly. When families of various income levels were asked whether or not they were very happy, only 22% of families earning less than $20K said yes.  This percentage goes up to 30% and 42% when asking families in the $20K-$49.9K and the $50K-$89.9K respectively. Going to the $90K+ bracket, happiness levels only go up to 43%.  So according to these numbers, happiness does increase with money to a point where people can at least be comfortable with their lives, covering the basic necessities that I mentioned before.  However, increased extraneous wealth does not lead to any additional happiness at all.

Source: U.S. Census Bureau; National Opinion Research Center; University of Chicago; David G. Myers, Hope College

Source: U.S. Census Bureau; National Opinion Research Center; University of Chicago; David G. Myers, Hope College

The same article shows the increase in average American family wealth, but no significant increase in levels of happiness. From 1957 to 2004, the average income after tax increased from $10,171 to $27,237, but the percentage of people being happy remained at a stable range of 35%-34% (Source: U.S. Census Bureau; National Opinion Research Center; University of Chicago; David G. Myers, Hope College.)

Happy Countries

Although there may be debate as to what the happiest countries are, Denmark, Bhutan, Sweden, Brunei, Switzerland, Puerto Rico, The Netherlands, Costa Rica, Finland, Canada and Colombia are generally on the list. What is surprising is that these countries have very distinct cultures.  Furthermore, nations like Brunei, Costa Rica, Bhutan and Colombia are on these lists despite being less economically stable than their developed Western counterparts. This suggests that money may not necessarily lead to the well-being of a country. The United States, the United Kingdom and Japan are generally considered to be less content than other nations despite them being some of the richest nations in the world.

Therefore, in terms of money, long-term well-being should be the focus, rather than temporary thrills.  So what gives you full fulfillment? Make a list of all the things that make you happy in life, and you may find you won’t need to splurge on an item to bring you temporary joy.  Appreciate everyone and everything that you have in life and you are likely to be more content.

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