Budget worksheet

The budget worksheet is the best place to begin for most people. The first time you fill out your budget worksheet you may estimate some amounts, which is fine. Use this first draft to give you an honest picture of your current financial situation. Modify the worksheet, if you’d like to see improvements, and save it under a different name. If you need assistance call 0508 283 438 to talk to a qualified financial mentor.


Once your budget worksheet is balanced or showing a surplus, you can begin to work on the next step, which is the Cashflow. The Cashflow may look a little daunting to begin with but is a very powerful tool in helping you toward your financial goals. You can make it more manageable by deleting the rows showing items that don’t apply to you. If you need assistance call 0800 345 123 to talk to a qualified financial mentor.

Debt schedule

The debt schedule is a great way to answer the question “just how much do I owe?”. You may think you have a good handle on this, but writing it down will allow you to see the detail. It is good practice to prioritise your debt repayments to decide which need to be addressed first. If you need assistance call 0800 345 123 to talk to a qualified financial mentor.

Financial Plan of Action

​The Financial Plan of Action is a free tool from the government which helps you set out your financial goals and how you’ll achieve them. There is an A4 version and an A3 version, as well as a guide for financial mentors.

Cheap Eats

They’re tasty, delicious, nutritious and they’re cheap!

The Heart Foundation, in partnership with the New Zealand Federation of Family Budgeting Services, has released a ‘Cheap Eats’ recipe book designed to deliver tasty, nutritious, $3 per serve, meals.

10-plan Shopping Guide

​Here is a simple way to help you balance a healthy diet with your food budget. What is the 10-Plan? The 10-Plan shows how to spend portions of your food money so that you choose the right foods to make a balanced diet. (The original slides were kindly contributed by the New Plymouth Budget Advisory Service.)

Otago Food Cost Survey

​Each year the Department of Human Nutrition calculates the weekly cost of purchasing a healthy diet for men, women, adolescents, and children. Food cost data is collected by Student Dieticians in Auckland, Hamilton, Wellington, Christchurch, and Dunedin on the first Monday in March each year, and analysed in the Department of Human Nutrition. A standard protocol is followed. Since 2003 they have calculated the costs from four supermarkets in each centre. Wherever possible, supermarkets have been selected on the basis of the greatest consumer throughput in each centre. The costs presented have assumed that food would be prepared at home.

The Code of Responsible Borrowing

This Code is for anyone thinking about taking out a loan or entering into a credit contract.

82% of New Zealand families have debt of some kind, and collectively we spend more than we earn.

This Code of Responsible Borrowing will help you avoid penalties, repossession, stress and heartache. It establishes minimum expectations for New Zealanders considering a loan or credit contract.

MoneyTalks A4 Poster

This A4 poster is for you to display in your office, clinic or anywhere you think it will be seen by those who can benefit from MoneyTalks help.