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.
Who would have thought walking could have been so dangerous!
Wow!
In 2022 there were 33 fatal crashes, 245 serious injury crashes, and 590 minor injury crashes where pedestrians were involved.
In these crashes, 34 people walking died, 240 people walking were seriously injured, and 595 people walking suffered minor injuries.
Most injuries occur in the young (5 - 29yrs), then 50+yrs, with the highest number of child pedestrians injured between 2pm and 4pm, followed by 4pm to 6pm and 8am to 10am.
Emergency Cards and Tags, ensure first responders have instant access to crucial medical details if any, and can notify loved ones much faster, providing peace of mind when every minute counts.
Protect someone you love and give yourself peace of mind that should an accident or medical event occur, you can be contacted without delay.
www.emergencycards.co.nz...
Data sourced from www.transport.govt.nz...
Poll: Do you think NZ should ban social media for youth?
The Australian Prime Minister has expressed plans to ban social media use for children.
This would make it illegal for under 16-year-olds to have accounts on platforms including TikTok, Instagram, Facebook and X.
Social media platforms would be tasked with ensuring children have no access (under-age children and their parents wouldn’t be penalised for breaching the age limit)
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Do you think NZ should follow suit? Vote in our poll and share your thoughts below.
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85.6% Yes
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13.2% No
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1.1% Other - I'll share below
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