Free financial help

Free financial advice New Zealand

Sometimes life can get a little stressful – especially in relation to our finances! But don’t worry, there’s a number of services in New Zealand that provide free financial help, like budgeting, debt consolidation and planning for the future.

If you find yourself anxious, worried or confused about your financial situation and you need help or advice, but are worried you can’t afford it; then take heart – there is free financial assistance out there – you just need to know where to go.

As a starting point, there is a brilliant free website available to you called

Sorted is New Zealand’s free (government funded) independent online money management guide. It’s full of different calculators and information to help you manage your personal finances throughout life.

With loads of information on debt, budgeting, financial goal setting, mortgages, different types of fees, savings, investments, KiwiSaver, and planning retirement – it’s absolutely jam-packed with useful tips.

But, if you feel that you need more individual, or personalised help, then check the national directory of budgeting services at to find a free local budget service.

There are 100s of budget advice services spread all over the country. So there should be one close to where you live.

Budget services help a family in debt crisis every 5 minutes! Family budgeting services help both individuals and families, and they’re free and non-judgmental. Budgeting services specialise in debt management.

So if the credit cards and hire purchases have gotten of out control, ask for help. It will make such a difference to your family.

If by chance you don’t find a budget service available close by, then I’d suggest you contact your local Citizens Advice Bureau for some more contacts in your area.

You can also ring the CAB freephone 0800 367 222. Some Citizen’s Advice services offer budgeting advice as well. But even if they don’t, they know all the community organisations in your area that do.

If things are much worse for your family financially, and you think you’re past the point of no return, suffering in a mountain of debt, you still have options. The Insolvency and Trustee service, another government funded service is where you need to go.

Yes, they deal with bankruptcy. But a few years ago they created 2 new services that may help you stave off a full bankruptcy. The first is a Summary Instalment order (SIO). It’s a way to pay back your creditors less than the full amount you owe (eg paying all your creditors back half what you owe them, or at 50 cents in the dollar).

The second service is a No Asset Procedure (NAP). It’s a special ‘light’ form of bankruptcy for people who owe less than $47,000, have no real assets (you’re still allowed a cheap car, etc.), and no real way to pay their debt back on their current income.

Always remember, if you’re in debt, then your bank, finance company, or credit card company will be happy to help you. They’re used to this, and will usually bend over backwards to help you come up with a plan to keep your repayments on track.

In fact, if you’re worried or struggling with your financial situation, they would much rather you approach them early rather than later, so they can work with you to develop a plan of action.

And that’s the key point really. This is your life. So take hold of it, and take action.

Check out our Managing debt section for more free advice.

The Kiwi Families Team

This information was compiled by the Kiwi Families team.

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Please note that Kiwi Families is not intended to replace individualised, specialist advice that you receive from other financial professionals. Please seek specialist advice for your situation.
  • regena kapua ale

    i desperatley need help , please can someone come to my aid .

  • Marvelous Olusegun

    Good day everybody
    my names are RICHARD
    M. WILSON, a student of UNIVERSITY OF BENIN ,
    department of CHEMICAL
    ENGINEERING final year student, always work hard to make
    a successful living but now am very sick
    in hospital suffering for kidney cancer, I only have my mother MRS.RICHARD FUNKE, who have being trying for my education, I lost my father some years ago,
    now am in University of Benin Teaching Hospital (UBTH) P.M.B 1111, Ugbowo Lagos
    Road, Benin City Edo State, NIGERIA, the Chief Medical Director
    Prof. M.O.Ibadin is asking for a deposit of ₦4.5000000.00 for my operation please my
    brothers and sisters my life is in your hands, help me to stay, help me to
    survival, I don’t want to die now, I don’t
    mine any amount you contribute please just help me, I know if you can
    help me I can make it in life, in case the good lord of Abraham, Isaac and
    Jacob torches your heart this is the doctor’s email him is going to give you details on how your
    contribution is going to get to me, as you
    contribute, GOD will reward you abundantly( Amen) and this is my telephone no
    +2348141914038. And my thanks still go to DR. MARVELOUS for helping me to post
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  • People are hurting financially all across the United States. The sad thing about this is, many of these suffering families work one or two jobs. We have to raise the minimum wage to a living wage!

  • James Hamilton

    Hi I’m a 47 yr old father of 7 and 3 grandsons I was in a fire back in June last year were I lost everything due to my injury’s I no long have my job and I’m struggling to manage living and medical costs can someone please assist me I’d gladly reimburse anything I receive to see evidence of the fire look up and put date 08/06/2016 its the first news story.
    email me on
    Or txt/ring +64 21908603 ( 0221908603 ) if you can help thank again.

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