This is with a $150k mortgage, one child and outside major cities. The nearest in fact is Palmerston North. Oh, and that's a joint income :eek

I know there's a cost of living estimator but this is pants compared to real-life experiences, despite them being individual and subjective.

We're not the flash types, never have been, but we like entertaining and/or nights out. Holidays are important, but we like tramping so that should be cool.

Any thoughts appreciated. Ta.