The growing issue of homelessness has seen families forced to sleep in cars or take out huge loans for emergency housing.
Then there are the cases of work and income paying massive money for private accommodation like motels where things can turn chaotic.
This video was made in December 2016.
The number of children living in motels has reached a record high, despite the Government's pledge to combat child poverty.
As at March 31, there were 4368 children living in motels across the country - up by 480 in three months. At theend of December there were 3888 children in motels.
There were 465 children in motels for less than four weeks in the three months to December - that jumped to 804 to the end of March.
But on one Kaitaia street, there are two very different approaches to the problem.
At one end is the Northerner - a motel now renowned for its use for emergency housing.
Families and singles have been living here for years and, when manager Serefina Lay took over, she said things were in a bad way.
But she worked hard to turn the place around and is now very careful about who is allowed to stay. She prefers not to have families, but said for some people there was nowhere else to go.
Northerner manager Serefina Lay said most of the mothers using the emergency accommodation there are just trying to do the best for their families. Photo / RNZ
"It's hard to talk about these sort of things because every family comes with a lot of issues and that, but at the end of the day I'm not here to judge anybody, I'm just here to help and support them.
"You know, most of these mothers here, they're just trying [to do] the best for their children."
On the very same street, just a two-minute walk down from the Northerner, He Korowai Trust chief executive Ricky Houghton has a very different solution.
He has set-up the Whare Ora Papakāinga - a rent-to-own social housing scheme, run by He Korowai Trust.
The houses are former Auckland state homes which would otherwise be taken to the tip - instead the trust is buying them and using a trades academy onsite to bring them up to scratch.
They are put on trust land, with 27 homes so far on the first five of the 50 acres.
The houses site alongside an early childhood centre and a community garden, each house comes with a supply of milk and bread, as well as budgeting, pastoral care and addiction support.
Houghton said the homes were more than just bricks and mortar.
"The houses that we are refurbishing and recycling and relocating are houses that have done 50 years - they'll do another 50 years. They're the sorts of houses we want our children to run to, not from."
The houses cost $180,000 each - without land or infrastructure - and are for low-income whānau who would often otherwise be living in motels.
He Korowai Trust's Whare Ora Papakāinga in Kaitaia. Photo / RNZ
Tenants pay $380 a week for a three-year trial to live there and a $20 payment is taken out of their rent to go towards KiwiSaver.
If at the end of three years they decide not to proceed, they take their money with them - if they progress, they keep paying $380 each week for 15 years to own their own home.
Houghton said the scheme made a lot more sense than the Government paying $280 a week for motel rooms down the road.
The Government has funded 50 per cent of the development so far - but Houghton said with more cash, the model could be rolled out right across Te Tai Tokerau, and the rest of Aotearoa.
"I've asked the Government for $22 million and I can put 800 homes in Northland that would otherwise be landfilled.
"I've asked the Government - give me $22m and I'll never, ever come back to you again and I can fix the housing crisis in Northland."
The Government is currently spending about $1m a day on emergency accommodation - but Houghton said his request had failed to get off the ground.
"The response is deafening."
He said it was possible for him to make large profits off the Government's emergency accommodation payments, but that was not what he wanted.
"I can get rich and I can feed off the poverty of these families - I can quadruple my balance sheet if I wanted to, I could empire-build just like a lot of other people have chosen to do.
"I want the dividends to go back down to these families to give them a financial head start on things."
Social Development Minister Carmel Sepuloni today would not make any guarantees about the scheme, but said the Government was in talks with Houghton about his work, which she respected.
