The Dunedin Budget Advisory Service provides crisis help and on-going budgeting assistance.


This is when we see a client for only one or two visits, provide them with the information they need, or deal with the emergency they presented with, and then they are able to manage on their own.


On-going assistance means having regular appointments with the client and working with them over a period of time, contacting creditors on their behalf, working out debt repayment plans, accessing extra assistance, tapping in to other processes, monitoring the ongoing budget and needs.

Electricity fund information

The Consumer Electricity Fund is designed to help specifically when you are unable to pay your power bill. Find out if you qualify for a $200 grant.

Kiwisaver withdrawal

In times of significant financial hardship, you may be eligible to withdraw some of your Kiwisaver funds. We can help advise on the process involved.
We work with Nga Tangata Microfinance to help provide safe, fair and affordable finance options that are 100% interest free

Need more information?

For more specific information on any of our services, please contact our office.

Frequently Asked Questions

What will this cost me?
The service is completely free.
How can I prepare for my first meeting with an advisor?
It will be helpful if you can collect as much up-to-date information as possible. Contact creditors for any balances owing/overdue, bring in current bank statements and proof of any income/out-goings. Your advisor can resolve issues quicker if all the information is at hand and they will let you know what further information is needed. You can download our Budget Worksheet to see what figures we will need to draw up your budget
What should I do if I cannot attend an appointment?
If you are unable to attend a meeting then you need to let us know as soon as possible. We have a list of clients waiting for assistance so if we know you are no longer available then we can make good use of the time by helping somebody else.
How long will an appointment run for?
Please allow 1 hour for the initial appointment but follow-up bookings are typically shorter.
I will be sharing lots of personal information. How can I be assured that it'll stay private?
We have a strong commitment to keeping your affairs private and our advisers are bound to act under confidentiality. We are however obligated under the “Paramountcy Principle” to act if we believe a child or young person is at risk.
Do you deal with business finances?
No, we only deal with household finances. If however you have had a business, and are personally liable for debts from that business, any relevant debts would be included in any debt repayment plan that was put in place.