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2584 days ago

Budgeting & How do I avoid getting into unmanageable debt?

The Team from Citizens Advice Christchurch Area

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.

More messages from your neighbours
11 days ago

Hero

The Team from Humans of Christchurch Ōtautahi

“I was born and raised in war. To be honest, those are not good memories.

I really like Iran, and I really miss it, but I couldn’t be myself there. Even though my family didn’t like my decision, I left Iran. I promised myself that I would do whatever I can for all communities, especially for the kids, so they do not have the same experience I had.

I studied software engineering in Iran and left in 2006. I went to Malaysia and stayed in Kuala Lumpur for seven years. I was admitted to Lincoln University to do my PhD here, but unfortunately, I couldn’t afford the expenses. I requested a scholarship, but they told me I had to be there for six months first. So, I stayed in Malaysia and did my PhD in network security. In December 2013, I came to New Zealand with a work visa.

It took me a while to connect with the Iranian community here. I volunteered with the Multicultural Council, SPCA, and community patrol, and I established the Christchurch Iranian Society in 2017. Before that, I started working on Radio Toranj, the only Farsi-language radio show in New Zealand.

One of the reasons I started organizing cultural events was to showcase Iranian culture. I wanted to show people that we have delicious food, colorful dresses, traditional customs, and our own instruments. My hope was to show people that we are not what you see in the media.

I am working to involve all the communities that celebrate Nowruz, the Persian New Year, in the Nowruz festival in March 2025. We want to share this celebration not only with our community but with the public as well. It’s better when it’s shared.

I remember the first time someone from Dunedin called me and asked, Hero, can you help? Something happened, and they keep declining Iranian visa applications. When I heard that, I felt insulted. We are still human, so how can they do that?

Through this journey, I’ve learned a lot. Every single day, people with different cases call me, and I try to share my knowledge and guide them as much as I can.

I have received several awards, including the Christchurch Civic Award and an Award of Recognition for my contributions to the community during the pandemic. In 2021, I established Canterbury Kia Ora Academy, a charitable trust. Through this charity, I can help other communities as well, not just the Iranian community.”

- Hero

View more stories, or nominate someone: @humansofchch
www.humansofchch.org......

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1 day ago

Poll: Should employees be able to work from home?

The Team from Neighbourly.co.nz

At the post-Cabinet press conference, the National Party asserted they want public sector staff to return to the office. This has opened a conversation about other sectors in New Zealand who have adopted working from home (WFH).

Where possible, do you think employees should be able to work from home? Vote below and share your thoughts in the comments.

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Should employees be able to work from home?
  • 70.4% Yes
    70.4% Complete
  • 26.4% No
    26.4% Complete
  • 3.2% Other - I'll share below
    3.2% Complete
1225 votes
6 days ago

This one was sent in by your fellow neighbour, can you figure it out?

Riddler from The Neighbourly Riddler

What is first white then red and the plumper it gets the more the old lady likes it?

Do you think you know the answer to our daily riddle? Don't spoil it for your neighbours! Simply 'Like' this post and we'll post the answer in the comments below at 2pm.

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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.

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