Income, expenses and cash-flow can be a difficult thing to get your head around. Here we have assembled some useful tools and external budgeting resources you may find helpful. We encourage you to use these prior to applying for a loan, to gain an accurate understanding of your current financial affordability. Budgeting Services There are a number of external sites that offer budgeting services, most of which are free. Here are a few for you to choose from: Auckland Central Budgeting Consultants Citizens Advice Bureau Family Works Northern FinCap (Financial Capability Charitable Trust) Kiwi Families Financial Helplines There are a number of financial helplines available to you: Money Talks 0800 345 123 firstname.lastname@example.org FinCap (Financial Capability Charitable Trust) 04 471 1420 email@example.com Money Mates No Interest Loan Scheme (NILS) Downloadable Brochure Jargon / Technical Terms Please visit our Jargon Buster page to better understand some financial terms/meanings. Online Tools These sites have some online budgeting calculators you can use: Budgeting Tool Debt Calculator Financial Action Plan (A4) Financial Action Plan (A3) Goal Planner Savings Calculator Other Downloadable Worksheets Responsible Borrowing There are a few things to consider before deciding to apply for a loan: How to be a Responsible Borrower Money Personality Quiz Understanding technical terms/jargon Links last updated at 30/04/2019.