0508 BUDGETLINE (0508 283 438) is a nationwide freephone service, ready to help with your budgeting questions.
By dialling 0508 BUDGETLINE (0508 283 438) you can talk with an experienced, qualified budget adviser who can offer personal, confidential budget advice. This is a free service.
The freephone service is attended from 8.00am – 4.30pm Mondays to Fridays. A message can be left on the answerphone at other times, or if the phone is busy, and a budget adviser will call you back as soon as possible.
We generally find it easy to answer the more complex questions face-to-face. In this case, the 0508 BUDGETLINE operator can help you find the most suitable service near you.
Each member of our network offers free, confidential and non-judgemental budgeting advice.
Use the map below to find your nearest budgeting service.
Each budgeting service is slightly different and will need different documentation from you… just ask them what to bring when you make the appointment.
Having trouble with the map? Call 0508 BUDGETLINE (283 438) and we can help find your nearest budgeting service. It’s free to call, even from cellphones.
Here’s a bunch of free resources for you. You can freely download them and use them for your personal use.
If you find them useful we’d love to hear about it on our Facebook page.
The budget worksheet is the best place to begin for most people. The first time you fill out your budget worksheet you may estimate some amounts, which is fine. Use this first draft to give you an honest picture of your current financial situation. Modify the worksheet, if you’d like to see improvements, and save it under a different name. If you need assistance call 0508 283 438 to talk to a qualified budget adviser.
Once your budget worksheet is balanced or showing a surplus, you can begin to work on the next step, which is the Cashflow. The Cashflow may look a little daunting to begin with but is a very powerful tool in helping you toward your financial goals. You can make it more manageable by deleting the rows showing items that don’t apply to you. If you need assistance call 0508 283 438 to talk to a qualified budget adviser.
The debt schedule is a great way to answer the question “just how much do I owe?”. You may think you have a good handle on this, but writing it down will allow you to see the detail. It is good practice to prioritise your debt repayments to decide which need to be addressed first. If you need assistance call 0508 283 438 to talk to a qualified budget adviser.
The Financial Plan of Action is a free tool from the government which helps you set out your financial goals and how you’ll achieve them. There is an A4 version and an A3 version, as well as a guide for budget advisers.
They’re tasty, delicious, nutritious and they’re cheap!
The Heart Foundation, in partnership with the New Zealand Federation of Family Budgeting Services, has released a ‘Cheap Eats’ recipe book designed to deliver tasty, nutritious, $2.50 per serve, meals.
Download an electronic copy here.
If you answered “yes” to any of these questions, think about completing a budget worksheet.
This booklet will step you through the budgeting process.
Simply put, in order to balance your budget you have to:
This booklet will give you some tips on doing both!
Here is a simple way to help you balance a healthy diet with your food budget. What is the 10-Plan? The 10-Plan shows how to spend portions of your food money so that you choose the right foods to make a balanced diet. (The original slides were kindly contributed by the New Plymouth Budget Advisory Service.)
Each year the Department of Human Nutrition calculates the weekly cost of purchasing a healthy diet for men, women, adolescents, and children. Food cost data is collected by Student Dieticians in Auckland, Hamilton, Wellington, Christchurch, and Dunedin on the first Monday in March each year, and analysed in the Department of Human Nutrition. A standard protocol is followed. Since 2003 they have calculated the costs from four supermarkets in each centre. Wherever possible, supermarkets have been selected on the basis of the greatest consumer throughput in each centre. The costs presented have assumed that food would be prepared at home.
This Code is for anyone thinking about taking out a loan or entering into a credit contract.
82% of New Zealand families have debt of some kind, and collectively we spend more than we earn.
This Code of Responsible Borrowing will help you avoid penalties, repossession, stress and heartache. It establishes minimum expectations for New Zealanders considering a loan or credit contract.
Mo Money (www.MoMoney.co.nz) is a website where you can learn practical budgeting skills through short courses.
Each course is interactive and engaging, made so you have something useful to take away from each course.
Mo Money courses cost $20 each, but some responsible businesses are paying for their staff or customers to complete the course.