Student Budgeting Support - Hawke's Bay

Talk to Trudi about:                                             

• I am behind on my rent or/and power
• I haven’t got enough money for food
• Am I eligible for any Hardship support?
• IRD queries
• Work and Income queries
• Planning for the future
• Behind on payments to creditors eg: car repayments
• Credit card issues
• Money management tips
• Student loan/studylink support

Trudi can assist with all the above and advise you or refer you to the correct agency.

The budgeting and financial skills you will learn will give you greater understanding of the investment you are making in your future with your study and will give you confidence as you eventually head out into the workplace.

Further areas of support:

• Tenancy – eg: flat/ house sharing agreements
• Consumer rights - eg: rights of the buyer
• Understanding contracts - eg: credit contracts (GE, Qcard)
• Work and Income entitlements  - eg: special needs grants
• Dispute resolutions - eg: telecommunications,
• Financial terminology
• Referral to other agencies

As a NZFFBS accredited Budget Advisor working under Napier Family Centre I am happy to offer assistance to the best of my ability and treat your issues with respect and confidentiality.         

Budgeting Hints

• Plan
• Goals

General

• Debt – pay of the debt with the highest interest
• Use supermarkets Christmas clubs
• Shop with a list – look for cheaper deals
• Beware of personal spending: smokes, coffee    

Websites

• https://www.sorted.org.nz/
• http://www.familybudgeting.org.nz/
• http://www.napierfamilycentre.org.nz/our-services/budgeting-services/

Businesses | Government Departments

• Banks – Budgeting tools
• IRD – tax refund (Free) Register on the IRD website https://www.ird.govt.nz/
• Insurance – review annually
• Telecommunications – check our internet, phone packages
• Power –compare prices https://www.powerswitch.org.nz/powerswitch?&gclid=CKHLqaiT3cwCFQx8vQodU9gMLA

Studylink

• Get to know the website www.studylink.govt.nz