<&>Wellington Corpus of Spoken New Zealand English Version One <&>Copyright 1998 School of Linguistics & Applied Language Studies <&>Victoria University of Wellington <&>side one <&>9:24 you see for those of us like me who grew up during the great depression this is no problem because there was no money yeah i was one of five children tut with the mother and father in the house and a grandmother and the father unemployed and the family had a pound a week to live on ONE pound that's two dollars <,> um out of that had to come the rent which was five shillings god and then fifteen shillings which is a dollar fifty now these days was for the food for the eight of us now you could <.>buy you could do that and <{><[>we had a cow we had a cow <&>10:00 and because we had a cow we had skimmed milk and so my father kept a pig <[>not now laughs mm and he was able to slaughter the pig once a year and then we'd buy a little piglet again and we were able to make our own butter tut and we had fruit growing <{><[>so we had that and we grew vegetables and we were actually able to give away skimmed milk as we set the milk in a big pan and you took the cream off and you made your own butter and we used to take turns churning the butter now this is how i grew up voc every penny was important <[>right yeah my whole generation grew up like this <,,> <.>young <.>people parents NEVER discuss money with their children now <{1><[1>they feel it's sort of vulgar well a lot of new zealand is suddenly having to do this and find how they're going to live on practically nothing <{2><[2>we have recipes we give to students <,> <{3><[3>alison holst reckons you can feed yourself on twenty dollars a week very healthily and she's got <{4><[4>recipes in a very good little book <[1>no <[2>mm <&>11:00 <[3><.>i've <[4>laughs it sounds like you'd be losing weight a bit <{><[>laughs <[>no well probably cos you <.>could <.>you but you're eating a lot of fresh vegetables and fruit and <{><[>things like that but you're getting them when they're cheap but you're also eating a lot of muesli because you can make that yourself <[>mm yeah that's cheap <{><[>and just a little bit of er dried fruit in it makes it go but you see the young woman who didn't know what she spent her money on <[>okay did she go to mcdonald's a lot and <{><[>things <[>no no no but she buys all her food at lunchtimes here on the caf and i said how much do you spend and she said oh three or four dollars and i said what do you buy and she told me and i just kept adding it up and i said maybe seven dollars a day seven fifty THAT'S <{><[>INCREDIBLE <[>yeah and i said how <.>many how many cups of coffee you watch the students around they drink coffee quite <{><[>a lot don't they <[>they do <&>12:00 i've started <{><[>it myself a wee bit <[>not just coffee not just coffee <{><[>cappucinos cappucinos <[>yeah laughs yeah and you say er how many cappucinos oh i only have one a day oh that's about eight dollars a week WHAT voc yeah you see <.>they're <,> you have this generation which has never had to stop and think about where the money comes from and how it goes mm and so you have young men coming in who tut say i'm broke and i say er oh you know sorry how can i help you let's have a look at what you spend your money on um tut and we talk about it their rent and their food and transport the clothes they buy their share of the power the phone tut and er do you play sport oh yeah i play footie on saturday <{><[>and er do you <.>go do you go to the pub with the boys afterwards yeah yeah how much do you spend oh i always take twenty five bucks <,> claps <&>13:00 <[>and then where do you go laughs yeah expensive isn't it that's like a fifth <,> of their weekly income you drink it away it doesn't <{><[>go anywhere does it <[>that's right piss it up against the wall laughs yeah <,> <{><[>um yeah i was thinking for ME um you know if i decided i didn't want to get a loan i was thinking i could work over the summer holidays <[><.>so yeah now if i couldn't find a job <{><[>what <.>c CAN i go on the dole <[>you could go on the dole you can <{><[>go on the dole as soon as the academic year is over there'll be a stand down of probably a fortnight <[>i can mm but you should go INto um income support and register beforehand <{1><[1>and then you'll get a minimum stand down tut so that about a week before the end of the academic year you go in and you register and then um they can give you <&>14:00 a dole which is about a hundred and nine dollars something like that per week that's <.>i <{2><[2>if you're gonna go home you're gonna live at home and your parents will keep you you can save say sixty dollars a week <[1>right <[2>it's not great <.>but yeah i can live at home and i can pay things right and if you save sixty dollars a week two hundred and forty three that's about a thousand dollars you'll save over the long <{><[>vacation <,> we reckon that clears throat if you're living on a student allowance or <,,> on the living part of the student loan that you need about two thousand dollars extra <[>right word right so that you say the loan and the course allowance and the living allowance gives you about seven thousand dollars the MINIMUM for a year at a university is about nine thousand tut expensive isn't it mm tut <&>15:00 so yeah i can get one thousand um um but if you're living at home and <.>you you see you can earn up to fifty dollars a week and be on the dole oh right and then every dollar over fifty you lose a dollar off your dole until it cuts out so you could be making <,> a hundred and fifty nine dollars a week if you could get a little part time job babysitting house cleaning that sort of thing mm well i've done a bit of that actually <{><[>word <[>okay so you could get a hundred and fifty you could then save a hundred a week mm i could <{><[>probably save more i think <[>right? well <.>just <{><[>i mean you've got to live as well and a hundred a week is um is what four hundred a month for three months is twelve thirteen hundred dollars <[>laughs mm that's for november december january february you <.>could you could probably save fifteen hundred dollars doing that right <&>16:00 tut that's not too far off the two thousand a year no <,,> and that'd be close with a loan well <.>that's that would give you with the loan and all the money that goes with it <.>fifteen seven thousand <.>and eight and a half thousand you're about <.>five five hundred to a thousand short but then <.>you <{><[>you <.>could <[>i could go without those coffees i suppose you could do without those coffees yeah <{><[>yeah you could think of all those sorts of good things to do and you know yeah right <[>but it's quite a lot of fun just sitting round <.>doing laughs mm what else <,> i don't know that's about all i needed to ask you you've got to become very conscious <{><[>if <.>you if you're going to budget carefully you've got to become conscious not merely of your DAILY expenditure but of the PATTERN of your expenditure and you say to yourself that allows me so much a week i've worked all this out so much a week that means so much a month and if i <&>17:00 can stay within that i've got a little bit of money to put on one side in my mind for maybe a splash <[>mm mm you'll have to do that for some things we've all got to do that sort of thing <{><[>cos that's life <[>yeah yeah um <,,> i've also got to think of what might happen if i have to go to the dentist i think you've got to look ahead and say i should register with <.>the the student health centre at the beginning of the year costs you <{><[>fifty bucks <[>right cos i haven't done that you should do it <,> then you get all the health for laughs um i <.>thought i've got a community services card yeah and i was told that it was better to have one of them than to join the <{><[>student health <[>have both no have both really because with your community service card you don't have to have many visits to the doctor even with the community service card to use up fifty bucks mm but isn't it about five dollars each time you go is <{><[>that right <[>tut it depends on the doctor <{><[>or if you've got to go to a specialist <[>right cos i haven't been to the doctor all year <{><[>so i've been pretty lucky <[>well you're lucky you're lucky I think that fifty dollars and having a card is good <&>18:00 insurance policy good <{><[>sense <[>right um because the <.>ca the card is extremely useful clears throat when you're paying for prescriptions mm um <,> tut those are the sort of things that are part of the pattern of being aware of the pattern of trying to forestall crises <{><[><,> um <,,> when you're home in the vacation make sure that the family dentist has a look at your teeth and does anything necessary <[>yeah yeah all right? er then you can say to yourself well i can go for twelve months wait till i get home again make sure that you've got enough serviceable clothes and especially serviceable footwear yeah er search out what you've got at home and make sure it's <.>in <.>all all in good repair then you're not going to have to suddenly say i <&>19:00 haven't got a raincoat i need a warm coat mm well even if you go to an op shop that's going to cost you twenty thirty dollars <,> if you DO have to buy clothes go to an op shop <.>when if you're in a flat and you're buying food you go to supermarkets that have discounts yeah <{1><[1>see we live in karori and <.>it we go to the karori <{2><[2>ones <[1>all right? <[2>go to new <.>w go to new world because they have coupons mm book coupons and you <.>can <,> you can save seven dollars a week on your main buying <{><[>that way oh yeah <[>can you cos we don't usually do that oh you should <{><[>you really should <[>my flat yeah i mean <.>if if you're able to save three dollars a week each well that's <{><[>quite a lot <[>that's twelve dollars a month yeah how much is that in a term a hundred and <.>for <.>fi <{><[>fifty dollars <[>it's a couple of raincoats <{><[>laughs <[>a hundred and fifty dollars really? EASILY wow BUY in bulk mm <&>20:00 um it is always cheaper to go to greengrocers on a monday because you get last week's stock which isn't quite as fresh but it's marked down yeah i mean these are the things you've got to try and learn <.>and and keep in your mind yeah <&>20:15