NZFFBS Annual Report 2016

Our 2016 Annual Report (including financial accounts is below). Download the PDF of interest or read the reports by clicking on the title.

CEO's report

The last couple of annual reports have mentioned change afoot and new direction but this year it has all become a stark reality with the implementation by MSD of the ‘Budgeting Review’.

The review process started with a number of workshops and consultation groups and we all quickly learned that it all happens on a “post-it” note. It was an in-depth look at what clients want from the budgeting interaction and how the service can best be delivered.

It is always scary for a sector to examine its reason for being, however has shown that overall we have not been too far off the mark and with some refocusing of how we do things and some update of terminology, we can achieve what is seen as ideal.

Along the way the process has addressed the difficulties of one-off Work and Income referrals and solving this issue will make a big difference to services’ ability to concentrate on in-depth educational work with their clients.

The biggest hurdle for services was the introduction of the competitive tendering process which was completely new for many. Thousands of hours of frustrating work were put in all over the country and I would like to applaud everyone who hung in here and got through it. The first time will always be the worst.

National Office staff did all they could to learn about, provide information and were often left feeling they would like to do more.

During this period our National Office refocused their efforts to prioritise interaction with the review process and thinking of our services’ needs at this time. This has meant some longer term development priorities have been put on hold.

Our funding situation suffered as a result of wide portions of the funding sector adopting a wait and see approach to the results of the budgeting review. Because of this we had to ask staff and all representatives to do more with less and the results have been amazing in the savings that have been made. Thank you to everyone who contributed to these savings, you budgeting skills have paid off as can be seen in the annual accounts.

One positive spin-off has seen many of our previously paper-based processes go online to save money on paper and postage. Congratulations to everyone who has embraced voting, surveys, conference registrations etc. online without complaint.

With money being scarce, concentration has gone on entrepreneurial activities, in particular Mo Money providing online education to the public for a small fee. The concentration has been on marketing this to employers as a benefit for their staff.

The other major educational venture has been development of bulk contracts for services to deliver programmes such as the community corrections education sessions. This benefits services financially and has been an amazing success, so congratulations to all services who have contributed to this.

In relation to clients we have watched with interest the implementation of “Responsible lending”. There has obviously been caution and care taken by lenders to do things correctly and any slip-ups identified have been quickly remedied. Although there have been slightly fewer clients approaching our services this year as yet the debt levels per client have not reduced. It may take a long time to see significant change.

We have seen some amazing work by the Commerce Commission in warnings and prosecutions of unfair and illegal practices and appreciate the protection this offers to the public.

I would like to thank all our stakeholders who have joined with us over the year in efforts to make things better for consumers.

Our National Board have taken many brave steps this year to lead our organisation into a positive future and I thank you for your courage and commitment. To all our representatives and services, thank you and well done for your efforts to make it through a challenging year. Thank you also to staff who have consistently done more with less and managed to remain positive and stable amid all the changes.

We all look forward to new times.

Raewyn Fox


President's report

Presidents Annual Report 2016

I have recently read two books outlining the History of our organisation. In the early 1970’s a group of like-minded people travelled the country meeting all the various groups giving budgeting advice with the idea to get them on board with developing an organisation of Budgeting Services. Dave Mullan & Allan Mayall co-convened the first national meeting to consider forming a federation of budgeting services. It had no funds or no resources but it did have a small volunteer management group in Auckland.

Some interesting facts

  • 1973 the New Federation of Family Budgeting Services Inc. became an Incorporated Society.
  • 1991 Employed first paid staff – two part time staff with an office in Auckland
  • 1991 First Conference held in Palmerston North (which I attended)
  • 1992 MSD developed a training package for Budget Advisers
  • 1993 Training delivered to all Budget Advisers.
  • 1999 Office moved from Auckland to Wellington.

It is important for us to acknowledge our roots and appreciate the efforts of those before us. Without their hard work we wouldn’t have the support allowing us to achieve what we are today.

Reading our history tells me that many of the struggles and issues are still the same.  Sadly the need for our organisation hasn’t changed; we are still needed now, as much if not more, than we were 40 years ago.

Over the last 12 months your Board has

  • Looked at our Governance Structure
  • Taken our ideas out to the membership for feedback.
  • Changed the pass mark for Oral questions for BAIC to 75%
  • Changed the Code of Ethics to reflect the principals of “Partnership, Protection and Participation”.

So moving forward “What will the future bring?’

My vision is

A national organisation that is inclusive provides excellent training, an amazing database, networking opportunities, supporting all Budget Providers. This will enable our services to empower our clients giving them the knowledge to make informed financial decisions.

Thank you to Raewyn and our National Office staff, I acknowledge this has been a difficult year with a lot of uncertainties for both yourselves and Budget Services generally.

To my Vice President Kathryn Burton and Board Members – Thank you for your support, we have had many robust discussions over the last twelve months but always managed to reach a consensus.

Thank you to the District Representatives, Tangata Whenua Representatives, Training Committee, TQRT and the many people that volunteer their time and expertise to our make our organisation what it is today.

I must make a special mention of my own service Central Hawkes Bay Budget Service Inc. My Governance Committee and staff have been a tremendous support. This has enabled me take on the extra responsibilities required of a President.

Last but not least to my husband Geoff, thank you for your support and encouragement.

I am looking forward to the future, working with others to incorporate the needs of the whole sector.

Carmel Thompson


Tangata Whenua Representatives' report

Nga mihi nui ki a koutou katoa

Warm greetings to everyone. 

Ekea Te Tiritiri o te moana

Ascend to the heights of your aspirations.

As a Tiriti-based national organisation, the NZFFBS is committed to strengthening its relationship with Māori.

The remit to increase the Tangata Whenua Representatives from two to seven was an historical achievement (Giving us the mandate and knowledge needed to really make differences and hear at grass level roots What is happening all over New Zealand).

This also highlighted the Partnership and relationship with Māori.

The remit to Change the constitution to allow the Tangata Whenua Representative to be able to stand for President also showed commitment to equality and how our membership has grown.

Ministry of Social Development in the Financial Capability also embraces Māori and Pacific Island representation at a National level.

The Seven Tangata Whenua Representatives have to date:

  • Introduction Kanohi ki te Kanohi (Face-to-face) meeting to establish strategic intent for our national organisation
  • Nominated two National Board members to represent the Tangata Whenua Representatives (Michelle Nahu and Tania Huata-Kupa)
  • Michelle Nahu and Tania Huata-Kupa attend all National Board meeting with reports and Training Committee meetings being a voice for Tangata Whenua really making a difference
  • Lead the Māori Caucus Forum with key facilitator Neavin Broughton.
  • Nominated Chairperson (Claudette Wilson) and Secretary Linda Ngata for Tangata Whenua Representative meetings
  • Completed three telephone conference meetings
  • Completed the new job descriptions for new representation
  • Completed a Strategic Plan and direction for future funding applications
  • The name change for the Māori Caucus to Tangata Whenua Forum
  • Discussed regional issue’s pertaining to our national organisation (tendering, etc.)
  • Vetted phone calls and emails from local / national budgeting services
  • Attended Regional meetings and in some areas had a separate Māori Caucus break out group.
  • We all agreed with the changes in the Tangata Whenua Representative job description to not be limited.

In moving forward the Tangata Whenua Representatives would like to thank our membership for embracing our positions.

This ends our report.

Michelle Nahu, Tania Huata-Kupa, Claudete Wilson, Linda Ngata, Glenis Clarke-Purukamu, Gary Sue and Kii Dench

Training report

NZFBS Training Committee Chairman’s Report to AGM November 2016

The 2015-2016 training year was one of several highlights and was cruising along fruitfully until MSD dropped their bombshell somewhat diverting the attention of serviced based tutors and committee members. The sea of faith upon which we had sailed so fruitfully quickly turned into oceans of despair.

Despite these winds of uncertainty which continue to this day tutors continued to deliver excellent courses, Keith Coppins (Training Manager) and Paula Birnie (Training Support) worked assiduously on a variety of updates, new material, tutor appraisals, certification of new tutors while the Training Committee and the Training Quality Review Tam (TQRT), to mix metaphors for a final time kept their collective eyes on the ball.

The highlights, significant achievements and ticked boxes which we would have celebrated on 30 June had other deadlines not been in our faces, were:

The completion of the Budget Adviser Introductory Course (BAIC) rewrite: This was a mammoth task for Keith and Paula in particular who appreciated assistance from a number of tutors as well as Raewyn and Kate. The updating of information, role plays, scenarios, case studies and worksheets was last done in 2006 so it was well overdue. Early trials by four of our most experienced tutors identified some required tweaks which have been tidied up and BAIC courses are being favourably received by trainees. Tutors deserve credit for their thorough planning and professional delivery of these ensuring that new advisers have the best possible training with which to enter their months of supervision.

Training of New Tutors: In June 2015 Keith, Raewyn and I went on tour interviewing prospective new tutors in Auckland, Tauranga, Palmerston North, Wellington, Christchurch and Dunedin. From these we selected 10 to be trained in Wellington using the well established format of two full four day block courses a month apart with lashings of homework. This was the sixth of these that I have been involved in and the fourth in which I had the privilege of being lead tutor. I will always be grateful for these wonderful opportunities. Once again we had a wonderful group of people who will serve us well as opportunities arise in years to come. Congratulations to Angela Saunders (Tauranga), Carmel Lumsden (Auckland), Christina Marcroft and Hayden Fitzgerald (Manawatu/Wanganui), Mary-Ellen Gadd (Wellington), Lynda Markie (Gisborne) and Tania Taueki (Christchurch) who are now certificated and to the lead tutors who guided and mentored them.

Because of a dearth of BAICs some have earned their tickets through the delivery of professional development modules and this has worked well. TQRT members have noted how well the new tutors have been received by trainees and advisers.

Clocking up the miles: Over the year tutors have delivered 26 face-to-face BAICs with 133 trainees completing these. Courses have been relatively small with some districts showing a much higher level of cooperation with sharing courses than others.

Many thanks to our dedicated tutor team for constantly going the extra mile to ensure that training is delivered affectively throughout NZ. We know from course evaluations how much this is appreciated.

Thanks to all services who took their hosting responsibilities seriously providing excellent facilities, food and liaison. Tutors travel far and wide to deliver training. I personally travelled over 6000km throughout the year. It would be diverting to know the grand total for the country.

The only negative note on the tutoring front was the reduction in funding precluding planned tutor refresher training.

Stats for all types of courses are:

Courses 26 23 172 38 60
Participants 133 23 1,557 38 60


BAIC pass mark increased to 90% This has been the goal of training committee for some years which finally found favour with the board based on the irrefutable logic that no self respecting service would allow an adviser to present a budget worksheet to a client that was only 75% correct. The change was finally agreed to when a TQRT survey revealed that of 120 trainees only five would have missed the bus had the 90% pass mark been in place.

Community Education progress: Significant on this front have been the development and delivery of the budgeting / financial capability workshops for NZ Post and Community Corrections. As it seems likely that community or outreach programmes will become increasingly important under whatever the new regime may be these and other local initiatives are even more important. They also double as a potential funding source for services and a parent body.

PDM portfolio expands: There are now 17 PDMs available to services of which 12 have been updated in the last four years (seven in the last two). Two are available by distance and two by e-learning. It is also pleasing to note that services have finally come to grips with the requirement for pre-approval of professional development courses from external providers. The ill-advised idea of BAIC M4 doubling as a PD module proved an abject failure for reasons predicted by the training committee who opposed the idea. A supervision refresher module is in the pipeline.

Certificates for PDMs reviewed: For reasons of cost the issue of certificates for PD modules was discontinued. These can still be requested and delivered on line but of far more use are the records of learning updated and issued annually. Copies for each adviser and service managers are much appreciated. Thanks to Paula for getting these up and running.

Conference recognised as professional development: National Board decided to make full conference attendance recognised as one professional development for the 2016-2017 year. While this does not appear to have created an influx of attendees, and does fly in the face of some professional development requirements, it is certainly appreciated by attending advisers. Both the theory and actuality will be examined by the training committee after the event.

BAIC funding ceased: The advent of funding for BAIC courses no longer being available has led to a reduction in the number of these as some services needed to come to grips with the reality of having to self fund training. This also changed the regime for authorising payment of tutors. Host services must now wait until they have been notified by the Training Manager that all paperwork has been received. 

Mental Health 101: Mental Health 101, presented by Blueprint for Learning and funded by the Ministry of Health, has been attended by a considerable number of services around the country who gained pre-approval for recognition as professional development. This is a model of how external provision should work and also of how demands for a particular topic can be met using outside expertise rather than expending time and scarce dollars on writing a new internal module. It cannot be seen as a universal model but works well for extremely specialised topics.

Field Officers can now attend PDMs: Approval was given for Field Officers to attend PDMs as observers or, preferably and numbers permitting, full participants. The main objective was to enable them to become up to date with current and new topics but there is also another positive spin-off which is their ability to lend support in key compliance modules such as supervision. A most worthwhile initiative.

 Many thanks to Keith and Paula for their enthusiasm, efficiency and support and also to Raewyn who is a keen supporter of all things training. Special mention is earned by Tania Huata-Kupa and Michelle Nahu, our Tangata Whenua Representatives, whose thoughtful and principled contributions and willingness to represent the training committee strongly at board level are much appreciated. Margaret enjoyed her time with us and, in February, handed over to Carmel, who has shown a keen interest and watchful eye. Along with Fredrick Church and Jan Otsuka we have a high powered committee which ensures that the pivotal role of training in the work of budget services is kept at the forefront.

I have always held the chairmanship of the training committee to be a privilege and one that I have greatly enjoyed over a number of years. In terms of achievement, new initiatives, new friendships made and old ones maintained, welcoming new tutors to the fold and my busiest tutoring year ever, this has been one of the best.

Best wishes to all in these uncertain times and may we meet again!

Don Macfarlane

Chairperson of the Training Committee

Financial report

This Summary Financial Information has been extracted from the New Zealand Federation of Family Budgeting Services Inc (NZFFBS) audited Performance Report for the year ended 30 June 2016. No specific audit or review procedures have been performed over the summary financial information.

NZFFBS applied PBE SFR-A (NFP) Public Benefit Entity Simple Format Reporting – Accrual (Not for profit) to its Performance Report.

This Summary Financial Information cannot be expected to provide as complete an understanding as is provided by the Performance report. A copy of the Performance Report can be obtained, free of charge, from the NZFFBS National Office.