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After spending three years working as an account manager for a corporate supply merchant in Christchurch, I was offered a position from a competitive privately owned supply merchant in my home town of Nelson. The decision was a difficult one as I had a few factors to weigh up:
- My partner Steph is extremely supportive of me and my career but would she be willing to move to Nelson? she had a good job and was studying part time, would she be able to continue her study and would she find a job that she enjoys and ties in with her career path? Would she enjoy moving from a fast paced city like Christchurch to a smaller up and coming city of Nelson?
- Where would we live? Would we be able to secure a property to rent and could we afford this one income while Steph was searching for a job? How long would it take for Steph to secure a job?
- How would I handle to change of working in corporate to working for a privately owned family company and would I enjoy it?
- If it didn't work out, would we be able to pick up where we left off in Christchurch?

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Kylie Hape

Risk of Change - Saving a deposit and buying a house

After renting the same house for about 10 years I was sick and tired of paying someone else’s mortgage, so my partner and I decided it was high time to buy our own home.  Some of the risks we needed to consider were if we were actually prepared to be home owners, could we save up a large enough deposit, could we afford a mortgage and the associated insurance costs.   The mortgage and insurance costs we could afford but the deposit was what we needed to focus on.  The only way we were going to save enough money was if we had help. My Aunty had a house bus that was offered to us, the risk in that was ‘could I actually live in a bus’? (turns out I could and did).  We moved the bus to Mum and Dads property (new risk) could we handle living with mum and dad?  (Yes we could).  We set ourselves a time frame (one year) and saved as much money as we could. We were able to live essentially rent free and this also included not always going out or buying new things.  After a year and a half without killing each other we finally had our deposit!   When it came to buying a house this created more risks, however we finally bought a home and it was all worth it in the end.

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Stephanie - risk from change & effects change may have

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Stephanie - risk from change & effects change may have

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My partner and I moved from Christchurch to Nelson about mid way through last year. Reason being because he was offered an opportunity to apply for a job and he was successful with getting it.
This change in moving cities had us thinking about any risks associated with it.
Would we find somewhere to live.
Would Jason like the job.
Would I find a job that I liked.
Would both our new sources of income provide enough money to pay for what we need to.
Would we both like the city.
Would we have enough support.
Would we make friends that we liked.
What if I stayed in Chch till I found a job and then moved up.
What if it caused pressure on our relationship.
Would I regret the move and Jason feel guilty.
Would the overall change satisfy us both.

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Recently i was offered another job and because i had decided to take the risk and leave my current job which i was getting up the ladder in, and take the new one, that i had not alot of experience in the sector. Enjoying it alot and that was a risk i had to take. I had to risk stepping out of my comfort zone and step up to the boss to disscuss this change.

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After spending 14 years in Linton military camp (Palmerston north, New Zealand) I was appointed a position in Napier as a mentor. Both excited and nervous multiply decisions needed to be made. My biggest decision was to either sell the property I was currently occupying or to rent it out. Weighing the pros and cons my final decision was to sell my property in Palmerston north and purchase in Napier. Majority of the decision was based on the current target market for location. Other factors that assisted was the fact that i would have to rent a property in order to reside in Napier. Overall it made sense to rebuy and occupy in Napier. The short term risk was whether i could find a property in time and long term was if the value of the property purchased would meet the value increase i had wished for over time.

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Helen - Example of change and associated risks

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Helen - Example of change and associated risks

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The change I made was moving from a high-paying corporate job to becoming a self-employed business owner. Most of the risk associated with this move was financial. Taking out a business loan meant that the business needed to be successful over the medium to long term to ensure repayments could be met. To minimise the risk involved I undertook careful planning, making sure to differentiate my business from competitors. I also made sure I had significant savings behind me in case the business was not successful and ensured that all aspects of the business were executed professionally and to a high standard. Taking the necessary training as required.

Other than financial, the risk of undertaking a business is in being able to maintain work-life balance. I found working full time in the business meant that work-life balance suffered. So now I operate the business part-time and have time for other pursuits.

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My husband and I have both made the huge decision to both study from home this year.  I'm a stay at home mum studying NZ Diploma in Business (Sales and Marketing) and my husband is a paramedic studying his postgraduate certificate of Health Science.  He works full time shift work 48 hours plus over time.  This was such a risk for us.

Two student loans to tackle and pay - we believed it was do-able! Once I am completed I can search for work while one child attends school later in the year and one is at kindergarten.

Will we have enough time to give our kids the attention they need? Another tough call - we thought that it was only a moment in time and they will learn to understand our motives. Time allocation and plans will be needed to make sure we have time with them and time with our study.

We will have decreased spare time to do things with family and friends while we both study.   Ok a boring life won't hurt us for a year - and hey it may even save us money!

And the biggest risk to me - was I going to find a job after completing this course?  Well....Cross fingers! I live in rural Waikato so the job situation can be a bit slim at times! Travelling to other surrounding towns and cities might be only way. We shall see what the future brings!

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Instance of change in my life and the associated risks involved.

A bit of background about my decision. I am 28 years old I am married with two children. I struggled through school and left at a young age. This left me with no qualification and only eligible for low paying  jobs.

My change was to stay at home with my children and upskill (study business management).
The risks I considered and the solutions to the risks.

1. Would I achieve the marks needed to pass, due to lack of education.
• I searched for advice and support for the university collage of learning. (Face to face support if required)

2. What if my children get sick and my attention is on them.
• Asked my mother for support to watch the kids if I need time. (Mum agreed to help babysit.

3. I may need more time.
• I booked my toddler in to daycare three days a week giving myself 15 hours uninterrupted time to study. This resulted in further change as my toddler become sick for the new environment and every other week he was unwell, crying and not sleeping at night.( my husband is a dairy farmer and up at 4 am getting home at 6pm at night and was unable to assist to allow me to sleep)

• After 8 weeks of struggling to keep up and lack of sleep, he was pulled from daycare. I now study when he naps.

4. Would I find it stressful and unenjoyable.
• I wouldn’t know unless I try.

I’m happy to say so far my life experience outweighs my lack of education and I passed each paper so far. I enjoy every part of the study and have had little stress. I have had to ask for face to face support once and it was great. My mum has not needed to watch my children and my toddler is still sleeping 3 hours a day. I take the weekends off from study . I plan a head when we have family outings during the week.
Im currently posting this on a saturday as my toddler has a tummy bug.

It been one year of study and I have just applied for my second year. This change has been successful in my eyes and I am very proud.