They could be a private school teacher and their kid goes to the school. Schools will often give discounts to teachers' kids. But I'm guessing it's not nothing - and then there's everything that goes with having a teen. Activities, sports (and gear), hobbies, travel etc.
I dunno. Could be lots of things. 6% Kiwisaver is also around ~7k.
I also find it a little odd there's no budget in there for their own hobbies and friends.
Yeah. That's a symptom of being small I guess. As it grows, the critical mass of others with your hobby will eventually be reached. But I totally agree.
I also recommend myself.