Budgeting & How do I avoid getting into unmanageable debt?
Budgeting
Where can I go for free budgeting advice?
How do I avoid getting into unmanageable debt?
Where can I go for free budgeting advice?
There are several non-profit organisations that can help you with budgeting advice.
Your local Citizens Advice Bureau can help you find a budgeting service that suits your situation. Some CABs also run regular budgeting clinics.
The Financial Capability Trust website and the Family Services directory also list budgeting services and financial mentors around New Zealand.
You can also get budgeting and debt management information and advice on the Sorted website.
You might be interested in joining a local MoneyMates groups. These are support groups for people wanting to improve their budgeting skills.
How do I avoid getting into unmanageable debt?
It mostly boils down to living within your means – in other words, spending no more than the amount you earn and only borrowing money (e.g. a student loan) if you are confident of your ability to pay it back.
You can do this by putting together a budget which lists your total income and all of your expenses. You can download a budget worksheet for free from The Budgeting Hub website or the Work and Income website, or use the online budgeting tool on the Sorted website.
A budget advisory service (see above) can help you put a budget together and work out ways for you to reduce your spending or increase your income.
The Sorted website also has advice to help you manage your debt.
🪱🐦 When are you the most productive? 🌙🦉
The Post has been diving into our daily habits, and research suggests being an early bird or a night owl isn’t just a choice—it’s biology! We all have that specific time when our brains finally "click" into gear.
This raises a big question for the modern workplace. To get the best out of everyone, should employers accommodate our natural body clocks? This idea is at the heart of the four-day work week and flexible scheduling movements.
We want to hear from you:
1. When does your brain "click" into gear?
2. Would a flexible (or shortened) schedule change the way you work?
🌉🛶 Early Birds Might Crack This One First… or Not? 🥚🧠
A person is crossing a bridge and sees a boat full of people, yet there isn't a single person on board.
How is this possible?
(Susan from Massey kindly provided this head-scratcher ... thanks, Susan!)
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
Want to stop seeing these in your newsfeed?
Head here and hover on the Following button on the top right of the page (and it will show Unfollow) and then click it. If it is giving you the option to Follow, then you've successfully unfollowed the Riddles page.
Scam Alert: Bank cold calls
ASB is warning customers about reports of cold calls from scammers claiming to be from ASB. These scammers are trying to obtain personal information, including usernames, dates of birth, and verification codes sent to your mobile phone.
🛡️ The "Caller Check" Test
If you get a call from someone claiming to be from ASB and you’re unsure, just ask them for a Caller Check. You will then be able to verify the call through the app.
Remember, banks will:
❌ Never ask for your banking passwords, PINs, or verification codes
❌ Never need to know your full credit card number – especially the CVC
❌ Never ask you to download software or remotely access your device
❌ Never ask you to purchase gift cards or transfer funds.
If you have received a phone call and think your account has been compromised, call ASB on 0800 ASB FRAUD (0800 272 372), or visit your local branch.
Loading…
