What we do

We deliver a range of free, confidential services to families and individuals, either in your home or at locations in Warkworth and Wellsford.

Feel like it’s time to make changes to your financial situation and you need help to achieve your goals?

Our free financial advice can help:

  • One-on-one budget advice and support
  • Negotiation with creditors
  • Work and Income issues
  • Restructuring of debt
  • No Asset Procedures and Summary Instalment Orders to avoid bankruptcy
  • Group presentations

Free Budget Advice in Warkworth

Come to our free drop-in clinic at Auckland Council Service Centre, Baxter Street, Warkworth. A budget adviser is available for free financial advice on Tuesdays from 10:00 am to 12:00 pm.

Mobile Budget Advisors

Our mobile budgeting services cover Warkworth, Wellsford, Snells Beach, Matakana and surrounding areas from Puhoi in the south to Mangawhai in the north.

Get Money Help

Either make an appointment by calling 021 423 788 or 09 423 7123 or call into the office to talk to an adviser about your queries.

One on one budget advice and support

Your budget adviser will meet with you to go over your income and expenses and create a budget for you. This can either be for your personal use, or to take to your next WINZ appointment or to use in negotiations with creditors.

Negotiation with creditors

Your adviser will work with you to negotiate more affordable repayment schedules with creditors. They will create a debt schedule giving priority to debts which need to be paid off first.

Work and income issues

Your adviser can attend WINZ appointments with you and seek clarification on any questions you have regarding your entitlements and help negotiate for a more affordable repayment plan for your WINZ debt.

Restructuring of debt

Your adviser will work with you to restructure your debt and, if necessary, apply for a No Asset Procedure or a Summary Instalment Order.

What are No Asset Procedures and Summary Instalment Orders?

Your adviser will work with you to determine if you should apply for a No Asset Procedure (NAP) or a Summary Instalment Order (SIO). If you owe less than $47,000 and can repay some of this debt, then an SIO is the likely outcome. If you owe between $1,000 and $47,000, cannot repay any of the debt and have no realisable assets you can apply for a NAP. Your adviser will guide you in this as there are consequences of both of these procedures.

Group presentations

If you belong to a group and would like budgeting advice call our office and ask for a budget adviser to attend a group meeting and give a presentation.