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Meet With Us

At Auckland Central Budgeting Consultants, our consultants are ready to see you. Either call in or contact us by phone, fax or email.

Our first meeting needs to be in person. You can make an appointment with us between 8:30 and 4pm , 5 days a week. Please call us to confirm your appointment on the day. You can interact with us by phone, fax or email.

Meet with us

Find Out More

Auckland Central Budgeting has been in the business of assisting people with their finances for over 20 years. We have our main office in Balmoral and also work out of the Citizens Advice Bureau in Onehunga, Glen Innes, Grey Lynn and Avondale.

Most of our staff are volunteers from a diverse range of backgrounds and provide their time free of charge to assist our clients in meeting their financial goals.

All staff and volunteers are trained and have a great deal of experience in budgeting, as well as bringing their life experience to the situation to offer clients the best support possible.

Auckland Central Budgeting are members of the Associated Budgeting Consultants and regularly participate in ongoing training and support of other budgeting services.

Send us your current budget


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Your current budget

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Services And Tools

Kids Budgeting

There are a number of ways to teach your children to manage money.However you do it, we are all in agreement that teaching your children is the most important thing.

Giving pocket money to children and teaching them to save a percentage of that on a regular basis will teach them how to save. As children get older, change the pocket money to an allowance which they have to use to purchase entertainment, gifts, percentage of their clothing as well learning to save a little.

Playing Games There are many money focused games on the market which will encourage saving habits in children. Sorted contains a number of games which children can play for free to encourage them to save.

Shopping Children are always watching what we do! Taking them grocery shopping and giving them responsibility to add things up or look for the best deals will keep them occupied as well as teaching them lifelong, wise shopping habbits.Most importantly, have fun with your children as they learn these skills that that will carry them through to adulthood.

Helping Others

Maybe you have found some help from our services?
Is there some help you would like to offer others?
Please contact us using the form below.

Frequently asked questions

I can't pay my bills/debts. What can I do?
Financial issues often seem difficult to address -- a trained budget adviser can work with you to simplify and budget your resources
Just give us a call on 09 631 5572 to make an appointment

How can I stop my car or furniture being repossessed?
New Zealand has laws about reposession of property. Find out more about this here

Can I get more benefit money from Work and Income?
Phone 0800 559 009. Case Officers and liaison through Auckland Central Budgeting

Should I get a loan to pay my debts?
Sorted.org.nz has a lot of information including a debt calculator to help you with making this decision

How do I apply for a HNZ house?
Housing New Zealand may be able to assist. You can contact them as shown below

Freephone Numbers:
Phone: 0800 801 601
Fax: 0800 201 202
Visit the website

Where can I get cheap or second hand school uniform?
Talk to us. Often the schools your children attend will have second hand uniforms for purchase. Sometimes uniforms are sold on Trade me and other reseller sites. Ask around -- often parents hold on to clothing that has been outgrown. However once they are aware of need in their neighbourhood they may be willing to pass on clothing at a reduce cost or even trade for services which you can offer. We may be able to advise you on how to contact agencies that can help financially.

What is a NAP (non asset procedure). SIO (summary instalment order) ?
What is the N.A.P (non asset procedure)
A debtor who is unable to pay their debts may have an alternative to bankruptcy through the No Asset procededure (NAP).Unlike bankruptcy, the NAP lasts one (1) year. The period of a NAP can be extended by up to 25 working days by the Official Assignee, if a creditor objects to a debtor's No Asset Procedure. The official Assignee will write to the debtor to confirm if the period of their NAP is to be extended. The Official Assignee will also contact the debtor to confirm the outcome of the objection process.

SIO (summary instalment order)
A Summary Instalment Order is similar to debt consolidation, if your credit rating is already marked by missing payments or a debt that has gone to a collection agency then a Summary Instalment Order may be right for you.
How it works: Just like a debt consolidation loan all of your debts are put together and you make one payment a week/fortnight or month directly from your wages or benefit to the Ministry of Economic Development these are then distributed out to all of your creditors saving you time and energy. There are fees involved they are 10% of your debt repayments plus $100 over three to five years.

Managing Money

Budgeting Basics

Budgeting Basics

Budgeting Principles
Budgeting is often seen to stand in the way of getting the things that you want. However budgeting principles are applied well then it can ease things for you and your family by Reducing Uncertainty.

Have a plan
Uncertainty causes stress and limits how effective you are as a parent, a team-mate or a friend. Proper budgeting increases cashflow certainty. Having an agreed plan can significantly reduce stress between you and the ones you love the most.

A budget can help you identify exactly where you need to focus your financial resources. This way you can do more with less.

Reading

Reading

Frugal Living
One of the best investments in time and money you can make is in your health. One way to consider improving your health is to develop inexpensive hobbies that allow you to get both exercise and fresh air. Read more here

Household budget
A household budget is something that most of us need, but not everyone has. It takes a bit of thinking about to juggle expenses and keep on top of things ... Read more

Helping Others

Helping Others

Like to help?
Maybe you have found some help from our services?
Is there some help you would like to offer others?
Please contact us using the form below.

Teaching Kids
There are a number of ways to teach your children to manage money. However you do it, we are all in agreement that teaching your children is the most important thing. Giving pocket money to children and teaching them to save a percentage of that on a regular basis will teach them how to save. Most importantly, have fun with your children as they learn these skills that that will carry them through to adulthood.

Meet with us

Email us

Auckland Central Budgeting Services

Address: Office 6 Rocklands Ave,
Balmoral, Auckland

(Rocklands Shopping center, situated at the back of the warehouse)

Tel: 09-631 5572

Fax: 09-631 5578

Start Address:
Destination Address: Rocklands Shopping Center, Balmoral,
Auckland City, New Zealand

Resources

Our Partners

We work together with other community groups to ensure that our clients get support on other aspects of their home and business life.
Our consultants travel to partner offices in other areas of metropolitan Auckland to make our services available in all areas.

Client's feedback

To the team at Auckland Central Budgeting – you know how grateful I am that I made the phone call to you. What you do isn’t rocket science, but it was to me – and you patiently helped me to see and understand and then actively helped me to sort my finances out. If you are in over your head, it really does help to share your problems with someone who knows how to help you to fix them. D.W.

We'd love to hear about any help you have received through our services. It encourages others seeking help to improve their position
Phone us on ... Ph: 09-631 5572

Videos

Financial Planning 101
10 Money Management Tips
Simple Budgeting Tips
Tips for paying off debt
How to start a personal budget
Setting budgeting goals