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RESOURCES

Use this budget worksheet to plan your spending

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  • 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.

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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

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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 Financial Mentor.

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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

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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

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