Need help with budgeting?

Get in touch with our
service manager

Phone or email us

If you would like an appointment, please fill out the Form below:

021 423 788 or 09 423 7123

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Remember to bring the following items to your appointments:

  • Proof of income.
  • Hard copies of your recent bank statements, if you receive them.
  • Any contracts, loan or hire purchase agreements.
  • f you owe a company money, bring their contact details.
  • Any other details that relate to your financial affairs.

Frequently Asked Questions

How can I earn more money?
Think of the skills you have that you could use to earn some extra cash. There are people happy to pay for services such as house cleaning, dog walking, reading to the elderly in a resthome and so on.
Why is it important to have a nest egg?
If you lose your job, or get sick, or have some other life changing event, you’ll need to have some money put aside. The emergency fund is also useful if you have unexpected expenses such as vehicle repairs.
How can I reduce my costs even further?

Sometimes it seems impossible to reduce costs any further than you have already managed to do but there are ways. For example, sell the car and walk or take public transport. Sell items you no longer need. Negotiate a reduced plan with your cell phone provider. Try to buy cheaper brands of food and groceries on special, fruit and vegetables in season. Reduce electricity use where possible. Cancel subscriptions and go to the library for books, DVDs and magazines. Ask your landlord if you can start a garden and grow your own vegetables. Your budget adviser can help you with these and other ideas. 

How can you budget when income is irregular?

If you work on a contract basis or have irregular part time work, you need to budget carefully. Figure out what your basic weekly and monthly expenses are, such as rent, petrol, food, electricity, and phone and then prioritise them. When you get paid pay the top priority first. Try and set aside money each time you are paid so you have a buffer for essential expenses. Get in touch with us. We can help with budgeting.

We deliver free help with budgeting and confidential financial services to families and individuals, either in your home or at locations in Warkworth and Wellsford.