"Then you have got the power on top of that, the food, the cost of my petrol and there isn't anything left," he said.
"My kids, whatever I eat they have to eat. We can't afford to eat what they want to eat - it's tough."
He said the older the children became the more costs rose.
A special treat was KFC "but $40 is just all gone".
He said it was cheaper to take his fishing rod to the river mouth at Clive, where some days were better than others.
"All my kids eat fish on the bone.
"It used to be good before - everything was cheap.
"Now we have to look out for what we buy, we have to make sure we have something for the kid's food, milk, bread for their lunch for school and the doctor ... It is quite hard."
Mrs Tere shrugs when asked why they had not applied for a Community Services card, to make doctor's visits cheaper.
"Friends have told us we should," she said.
He works on the maintenance crew for the Hawke's Bay District Health Board (DHB).
He said he would like to buy a house "but they want a 10 per cent deposit and I can't afford to save".