Income, expenses and cash-flow can be a difficult thing to get your head around.
Here we have assembled some useful tools and external budgeting resources you may find helpful.
We encourage you to use these prior to applying for a loan, to gain an accurate understanding of your current financial affordability.
There are a number of financial helplines available to you:
Money Talks
0800 345 123
help@moneytalks.co.nz
FinCap (Financial Capability Charitable Trust)
04 471 1420
kiaora@fincap.org.nz
Sorted Community Forums
Online Contact Form
No Interest Loan Scheme (NILS)
Downloadable Brochure
Please visit our Jargon Buster page to better understand some financial terms/meanings.
These sites have some online budgeting calculators you can use:
Budgeting Tool
Debt Calculator
Financial Action Plan (A4)
Financial Action Plan (A3)
Goal Planner
Savings Calculator
Other Downloadable Worksheets
There are a few things to consider before deciding to apply for a loan: