I can't speak to New Zealand, but in the United States, if you are just wanting to generically punch holes in paper at a range, there is little cost advantage to reloading.
If you include the value of your time (I used to work for $74 per hour, but since retirement, my billing rate is $185 per hour) then it certainly ceases to make sense. You will, in effect, be trading your time for about what a child chained to a sewing machine in Bangladesh makes per hour.
I DO continue to reload. But this is because the two rounds I load (a 60 grain spire hollow point and a 55 grain FMJ counterpart with identical ballistic performance used for practice) are not available commercially and I don't mind "paying" for consistency.