Pakuranga & Howick Budgeting Service (PHBS) provides free, confidential financial mentoring to individuals and whānau to support improved financial capability and long-term financial wellbeing.

Our service is client-centred, non-judgemental, and outcomes-focused. We work alongside clients to understand their financial situation, identify goals, and develop practical plans to live within their income and manage financial challenges.

We understand that financial stress can impact many areas of life. Our financial mentors provide a safe and supportive environment where clients can talk openly about money, reduce stress, and take practical steps toward greater financial stability.

Everyone is welcome. There is no cost to access our service. 

How Can We Support You?

Our financial mentoring service supports clients in practical and meaningful ways, including:

Financial Guidance

• Clarifying income and expenses to improve financial understanding

• Developing realistic, personalised budgets

• Supporting clients to understand and access Work and Income entitlements

Debt Support and Advocacy

• Assisting clients to engage with creditors

• Supporting repayment planning where appropriate

• Providing guidance on formal debt options, including:

• KiwiSaver hardship withdrawals

• No Asset Procedure (NAP)

• Debt Repayment Orders (DRO)

• Bankruptcy processes

Information is provided to support informed decision-making. PHBS does not provide legal advice.

Connection to Wider Support

• Referrals to other community or social services where additional support is needed, including housing, wellbeing, or employment services

Our goal is to support clients to build the skills, knowledge, and confidence needed to manage their finances independently over time.