Finance

Money, money, money... it makes the world go round. So wouldn't it be great if we could get the most value from it. Below you will find some tips on how to reduce costs, templates for preparing a budget and some great websites for learning more about money.

Here are some links to current information on Centrelink payments and benefits available.

• Payment options for family and individuals - Centrelink
• Centrelink payments for New Zealand Citizens.

There are loads of great resources on the internet about saving. Here are a few websites to check out to help you understand money and take control of your finances.

• Savings Calculator
• Money Smart Program
• Low Income, Savings Plans - your savings are matched.

Living within your means is one of the main principles of self-reliance, and is an essential step in becoming independent financially. Key to living within your means is understanding the difference between a "want" and a "need", and to pay tithing first.

Below you will find a budget template and document with suggestions on how to respond to changes in your financial circumstances. The document offers ideas on reducing expenses when times are tough and the budget template can help you determine your income, expenses and savings.

An effective budget is comprehensive, honest and accurate. Refer to previous bank and credit card statements to make sure you have included all of your expenses. Please reach out if you need help using the template.

• Responding to Changes in your Financial Circumstances Suggestions
• Budget Template.