Hello everyone. I'm 23yo, from New Zealand, have been reading for a while and made maybe two posts about a year ago but never officially introduced myself on this thread, have made the decision to get a bit more involved in the forum and thought that doing an intro post here would be a good start.
I'm most of my way through a BA/BSc conjoint degree, working 'part time' (nearly full time hours though, night shift!) in an unrelated field (and actually quite enjoying that job) and really just trying to absorb as much as I can r.e. financial information. I don't come from a wealthy background (am only the second person in my family to go to university, my mother doesn't own her first house yet, nobody in my family really seems to be able to give me advice, you get the idea) and had real 'class shock' when I visited my partner's family for the first time. I had been reading MMM before that, but the difference really threw me, and made me realise that I'm just not going to get the kind of financial backing or education that he has benefited from and am going to have to make an effort to do it myself.
Currently flat-sharing with my partner, his best friend (who he is looking at buying a house with soon), another good (older) mate of ours and his (adult) son, all pretty decent creative types in our own ways, and looking at growing my savings up again following 6 months studying in the UK (where I was not legally allowed to work due to visa conditions), as well as unexpected BS that left me and my partner effectively homeless for a few weeks when I returned to NZ (long story, we're okay now).
Dreaming of FI, building my own tiny house, and getting a small plot to grow my own vegetables on and maybe a couple of chickens, and doing a bit of freelance graphic design/web design on the side if the projects are interesting (art/design is my true passion but realised after year 1 of art school that I DEFINITELY did not want to make it a career, now studying Biosecurity)- all before I've even really started my career. I want to make sure that I start out right and keep goal-oriented through my working career.
Currently have a $45k+ student loan (interest free) through our government scheme which gets paid off through deductions from salary (my pay already partially goes towards it even while studying) joined Kiwisaver (our government-based retirement scheme) as soon as I had a job that made me eligible to receive employer contributions (matched to 3% of my pay) and aiming for a career in public service through local council or one of the Ministries (the main employers for biosecurity workers). No credit card debt, hire purchase debt or any personal loan debt, no overdraft. Looking at getting a small personal loan (towards a motorcycle, due to parking costs car commuting here is awful and our public transport system is still being overhauled, plus Auckland is super-sprawling) purely to pay it off to increase my credit rating, and thinking of getting a credit card for similar reasons.
I think I'm still at the 'peach fuzz' stage of Mustachianism, but I'll get there.