C404
I am not advocating anything, just presenting options. Most employers here have a pay scale for year 2, so if your going up 10K a month, maybe you use that instead of living in the gutter now.
Even if you pay 1/2 of year one and all of year two provisionaly - the figures from the IRD site indicate it will still be a very small amount.
My intention was not to piss you off, only to point out that many do live here on much less than 45K a month. At the same time I have friends who rent is 65K paid mostly by KA. Its all what you can get away with.