Get help to manage your money

Find support to understand your finances, manage debt, and make the most of your money using budgeting tools and practical advice.

Talk to a free financial mentor

A financial mentor (also known as a budget advisor) is a trained professional who provides guidance to help you:

  • understand your financial situation
  • deal with your immediate money problems
  • manage debt
  • create a budget
  • design a financial plan to achieve your goals
  • make informed money decisions
  • find other people or services that may be able to help.

In New Zealand, free financial mentoring is available through community organisations and budgeting services. Some offer support in person, while others can help on the phone, via email or online.

When you meet with a financial mentor, it helps to bring your bank statements, bills and details of any money you owe. Everything you share is confidential.

MoneyTalks helpline

MoneyTalks is a free national helpline. You can talk to a financial mentor by phone, text, email or online chat. They can also connect you with financial mentoring services in your area.

Freephone: 0800 345 123
FreeText: 4029
Email: help@moneytalks.co.nz
Live chat: available on the MoneyTalks website

Citizens Advice Bureau (CAB)

Your local CAB can help you with:

  • finding free budgeting advice in your area
  • explaining your rights when it comes to money and debt.

Find a CAB

MoneyMates support group

If you’d prefer sharing and learning with others, look for a MoneyMates group in your area.

Run by facilitators, these sessions give you the opportunity to:

  • talk about money and finances (you do not need to share personal information)
  • connect with people who are in similar financial situations
  • share experiences and practical advice.

Find a financial mentor or a MoneyMates group

Create a budget

A budget is a plan for your money. It shows:

  • how much money you expect to get
  • how much you expect to spend.

A budget can help you stay in control of your money and make the most of it.

To learn more about how to plan a budget, visit:

Sorted — online financial education and tools

If you’re looking for tools and guides to help you manage your money, Sorted is a government website with free resources such as:

  • a budget planner
  • a debt calculator
  • step-by-step guides.

Sorted website

Extra help with costs

If you’re struggling to cover your expenses, check whether you can get help from Work and Income. If you already receive a benefit, you may qualify for extra payments.

Use the Ministry of Development (MSD) online tool to see what you may get or call and talk to someone about your options.

Check what you might get — MSD

Contact Work and Income

Who to contact for more help

If you need more help or have questions about the information or services on this page, contact one of the following agencies.

Utility links and page information

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