Lisa says she was living in a tent in Tauranga Domain for just over a year, before moving into emergency accommodation at a holiday park, and then transitional housing in Judea.
Before the tent, she was in her car (which she lost) and before that, was living with a friend.
We are sitting across the table from each other in the Tauranga Moana Māori Trust Board hall on The Strand in central Tauranga.
It is a Wednesday afternoon and Street Retreat is under way.
The hall is one of those old Kiwi classics – dark wooden floors, a stage at one end and a kitchenette off to the side, complete with an opening in the wall where today's lunch is being served.
There are hot dogs, big pots of curry and rice pudding, and sweet treats such as Christmas mince pies. Hot drinks are on offer too – tea, coffee and hot chocolate.
What started as a five-week trial for a homeless daytime drop-in centre in the city has now moved into its sixth week.
That's six Wednesday afternoons where, from 11.30am-3pm, Tauranga's homeless and needy have had somewhere to go.
"It's a fun-loving, caring place to come," Lisa says.
There is always a "mean feed" and someone to talk to. You can read the paper, and play board games such as chess.
She hopes to get into emergency accommodation or transitional housing like Lisa did. She hasn't drunk alcohol for eight weeks, she says.
"Homeless but not hopeless," Lisa says, quietly with a nod.
The chess continues and Helen returns to her colouring, the table shaking as she strokes the paper back and forth repeatedly.
There is constant chatter around us and someone is playing a guitar and singing softly.
After a slow start, Lisa and her queen begin to chase my chessmen around the board, setting traps and piece-by-piece weakening any chance of resistance.
She gets up from the table and returns with a hot dog. I'm nursing my second coffee.
"That's luxury. I've been on bus stops, park benches, grass, doorways, concrete. It hasn't been easy, believe. But I'm glad I know what it's like the other side of the coin."
She says she used to live in a "lovely kauri villa" in Whangarei, before she went broke and had to sell it. She later rented in Tauranga for a while, but had issues with other tenants, fell behind in payments and was thrown out.
Clair says she needs a roof over her head; she needs a change.
"I'm too old for this … so if there's anyone out there, I really do need a room, with a view," she says with a smile.
As for Street Retreat, Clair thinks it's "marvellous".
"People that are hungry get fed. Simple as," she says.
"There's all sorts of really cool things happening and it's a safe environment as well," Dwayne says.
"You can come here and actually have a smile and have a laugh and play chess and play games with everybody and we don't have any real problems."
Angela Wallace, of the Community Angels Tauranga collective, which set up Street Retreat, can be seen making her way around the room, chatting with the attendees, eating curry, helping her fellow volunteers.
"What we're really working towards is having a five-day-a-week Street Retreat in a building that we can call our own," she says.
The first five Wednesdays of the trial were spent at Holy Trinity Church, but because of prior bookings, Street Retreat had to shift this week to the trust board hall.
It will be hosted here next week as well, before a break over Christmas, and then back to Holy Trinity in the New Year.
A permanent, reliable home is the goal, Angela says, especially with the Tauranga City Council's incoming restrictions on begging and rough sleeping in the CBD, Greerton and Mount Maunganui.
"From the 1st of April, council have the power to move people on from outside doorways of shops, so we just really want there to be somewhere where people can go, to get some respite off the street."
Before I know it, two hours have passed and it's time for me to get back to the newsroom.
At one point in the afternoon, a delighted Clair had been given a new tent and sleeping bag, donated by a generous member of the public who had heard about the slashing and soaked mattress.
As I say my goodbyes and leave, I find her sitting outside on the steps, in the sun.
I wish her all the best with the new tent and she thanks me, a smile on her face.
"It has been a living hell," she says.
I walk down the driveway towards The Strand, with some words ringing in my ears.
It was something Lisa had said about Street Retreat and other community meals in the city while she was whipping me in chess.
"You'll find that there'll be, especially with the homeless, a lot of lives changed. And there has been. People don't see that, but there has been. We know."
I can only hope Lisa is as accurate with her outlook as she is gifted with her queen.