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Ph. 03 546 9021

RESOURCES

Use this Budget worksheet to look at how you are currently spending your income

  • A budget forecasts a year of spending so should include everything. For example: clothing, doctors and vet bills

  • Your budget should balance or be in surplus (have more money than you spend).

  • If your budget is in deficit (spending more money than you get), consider some ways of either reducing your spending or increasing income.

Need a little help? Call us on 03 546 9021 to talk to an experienced Financial Mentor

Use this Cashflow to plan what you will be spending week after week

 

  • Start by adding your normal expenses to the left-hand column. 

  • Change the date in the Week 1 column to today's date (start at the beginning of the week). 

  • Enter your current bank balance in the field called 'balance brought forward'.

  • Enter the income you will get this week in the 'Income' field.

  • Proceed to enter you amount you spend on each of your expenses weekly and watch as the spreadsheet calculates how much you are left with.

  • Any money left over at the end of the week stays in your bank account for the following week.

Need a little help? Call us on 03 546 9021 to talk to an experienced Financial Mentor

Financial Plan of Action

This tool has been developed by the Ministry of Social Development to aid financial goal setting. It can be printed and used at home or brought along to a session with a Budget Adviser. 

Need a little help? Call us on 03 546 9021 to talk to an experienced Financial Mentor

Sorted 

 

Sorted have an excellent range of money tools and advice. You can easily create a secure account to save any tools you are using.

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. 

Need a little help? Call us on 03 546 9021 to talk to an experienced Financial Mentor