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@godsunworthyservant That's an interesting thought, rent out our house. Find something out of the city for cheaper. (we've thought about moving northern canterbury on and off for a few years). It wouldn't give us that much extra week to week but would be safer.

There have been a lot of really insightful comments/posts, too many for me to get around to everyone. I really appreciate them, and your time. It was never "this is happening" situation but some thoughts i wanted to bounce off other. You all have my thanks. To those struggling, Kia Kaha.

Kia ora all. Like many, we're struggling with the cost of everything. We're thinking of pulling a controversial move and selling the family home and going back to renting. From a maths view point. We earn about $150,000 before tax combined. Three kids, two workers. We pay just under $3k...