We are still open during lockdown providing phone appointments. 

Please get in touch – we are here to help!  Stay safe – be kind. 

We are able to offer sessions at the Tupu Youth Library on 102 Dawson Road Otara. 

Is Your Debt Increasing and Getting Out of Control?

We can work with you to stay on top of your loan by providing effective debt solutions. We can give you support or work on your behalf to get realistic arrangements with creditors.

Friendly access

– Wheel chair accessible

– Service dogs welcome

– Home visits by appointment

– Cantonese, Mandarin and Indian speaking staff

Our Service Is Free For Everyone

Want to Save Money?

Our Financial Mentors can help you to develop a strategic plan to reach your savings goals.

MoneyMates Program

This is a free 8-week program for anyone who wants to improve their money management skills.

Paying Off Your Debt?

We offer support through a face to face meeting with one of our financial advisors.

Pakuranga And Howick Budgeting Services


We are a charity group that helps people to develop their money management skills and turns difficult situations into success stories. 

We work with individuals, couples and families, who are struggling with their finances or are wanting to understand how to save money. We do not work with businesses.

Our service is free for everyone. It doesn’t matter where you come from or if you are local or international, everything is confidential and non-judgemental.




“Before coming to PHBS I wasn’t confident at all about my financial situation but after having seen all my debts spread out for me, I feel relieved and more positive about the way forward”

“Very clear communication, advice and technical help – amazing support continues”

“Understanding my situation. going over and above to investigate every option, reassurance, ability to relate”

“I am so thankful. I can now sleep at night, it means that I can cover all bills ,it means that this worry is off and I can be a calm person and Mum- thank you so so so so much!”

“Mark in my eyes is a good listener. I see the sincerity he has with his work and its only just started. I know with Mark’s help I’m not going to worry or stress too much”

“Information and advice on how to manage debts and financial issues I had. Now I can move on with my budgeting without stress”.

“When I first came in to the see Pakuranga and Howick Budgeting Service, I was in so much debt, but now my loans have gone down and most of them are paid off, Thank You.”

“To good to be true, I was delighted with the outcome”