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Scroll below to find a selection of downloadable resources to assist you with your goal setting and budgeting.

Budgeting tools

Set Your Goals

Financial Plan of Action: This tool has been developed by the Ministry of Social Development to aid financial goal setting. If you like this template, it can be printed and used at home or brought along to a session with a Financial Mentor.

Make a Plan / Budget

A budget forecasts a year of spending. It includes everything, both everday expenses and occasional expenses. The goal is to have a budget that balances or has a surplus (money left over). If your budget is in deficit (not enough money), consider ways you may reduce expenses or increase income.

Monitor Your Spending

A cashflow is based on your budget and used to plan what you will be spending week by week. 1. Start by adding your normal expenses to the left-hand column. 2. Change the date in the Week 1 column to the beginning of the week you want to start. 3. Enter your actual bank balance (left from week prior) in the field called 'balance brought forward'. 4. Enter the income you will get this week in the 'Income' field. 5. Enter you amount you spend on each of your expenses weekly and watch as the spreadsheet calculates how much you are left with. 6. Any money left over at the end of the week stays in your bank account for the following week.

Additional Resources

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Visit the Sorted website for an excellent range of online money tools and advice. You can easily create a secure personal account to save any tools you are using.

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Boarding Agreement

Boarding agreements between tenants/landlords and boarders are not covered under the Residential Tenancies Act 1986. Tenants and boarders will, however find it useful to have a written agreement. This downloadable document is a sample of what could be included in an agreement. Make changes to suit the agreement you want. 

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