Getting help with your budget
There are community services that can help you manage your finances.
- If you’ve been affected by COVID-19, Inland Revenue or Work and Income may be able to help.
- If you’re a business, employee or have lost your job, use the online tool to find out what financial support you could access.
What kind of help you can get
Moneytalks free helpline
You can contact MoneyTalks, a free financial helpline for advice and support from trained financial mentors. MoneyTalks can also connect you with services in your community.
Monday to Friday 8am to 8pm.
Saturday 10am to 2pm.
Feephone: 0800 345 123
MoneyTalks helpline — with free online chat service.
Face-to-face help from a financial mentor
You can get face-to-face help with your household and personal finances from a financial mentor (sometimes known as a budget advisor).
A financial mentor can help you:
- deal with your immediate money problems
- support you to complete a Financial Plan of Action to help you achieve your goals
- negotiate reduced payments
- find other people who may be able to help.
What to bring when you meet a financial mentor
- details of your household income
- bank account statements
- your regular bills
- details of any money you owe such as mortgages
- hire purchases and credit cards
- details of any other expenses.
You can take part in a MoneyMates peer support group. You can talk openly about money and finances with people who are in a situation like yours.
- meet and learn from others
- talk about money problems — you don’t need to share personal information
- learn how to make changes that can make it easier for you to manage your finances.
Who can get help
Anyone in financial hardship can ask for help from a financial mentor or join a MoneyMates group.
You don’t need to be referred by Work and Income.
Who can benefit from support
You might benefit from support if:
- you worry about money
- you often have no money to pay bills
- talking about money with family cause arguments
- you can’t afford the things you want
- you’re always in debt
- your costs have increased
- you have given up hope of having money for holidays or other goals.
Working it out for yourself
Online help with your budget
Financial courses in your community
Before you borrow money
If you’re trying to decide if borrowing money is the best option for you, the Sorted website helps you work out the costs.
If you’re over 65, rather than borrowing, you may be able to get income from other sources.