There are 3 types of budgeting assistance that the Dunedin Budget Advisory Service can provide. These include: crisis help, on-going assistance and Total Money Management.


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.

Total Money Management

Total Money Management is used for a small number of our clients when they are unable to manage their finances themselves. Their money comes into our account and we pay their bills for them. This service is voluntary.

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.

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 it take to get an appointment with an advisor?

We are an organisation primarily operated by voluntary labour. Once you have made contact with our office, you will be put on our waiting list and when an adviser in your area is available they will contact you. In some very urgent cases we may be able to see you sooner.

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.