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Budget Services Kāpiti

Supporting our Kāpiti community for financial wellbeing 

We’re here to support individuals and families across the Kāpiti area with practical, achievable financial guidance that feels empowering, not overwhelming. Based out of Paraparaumu, it’s now easier and quicker for our local Kāpiti Community to get the help and friendly financial mentoring support they need. 

Services available to our community

We’re proud to be part of the Kāpiti community working alongside local whānau to build stronger financial futures together.

Budget Planning – One on One Advice

We make budgeting straightforward, realistic and sometimes even enjoyable. It can be done! With the right support getting your finances on track doesn’t have to feel so daunting.

Debt management

If your debt is weighing you down, we’ll work alongside you to explore solutions you may not have considered, helping ease the pressure on you and your loved ones.

Creditor negotiations

Our experienced financial mentors can guide you on how to communicate with creditors and create practical repayment arrangements that work for everyone.

Insolvency options

Facing insolvency can feel isolating. You don’t have to navigate it alone; our team at Budget Services Kāpiti are here to guide and support you through your options with understanding and care.

Savings Plans

Building financial wellbeing starts with a clear plan. The Budget Services Kāpiti team will help you create a personalised savings plan and support you to put it into action.

KiwiSaver Hardship Applications

Applying for early withdrawal on hardship grounds can feel way too hard, but we’ll guide you through the process and help you complete the necessary forms with confidence.

Access to No or Low Interest Loans

We stay up to date with various loan options, helping connect you with safe and affordable solutions when you need them.

MoneyMates

Budget Services Kāpiti now offers MoneyMates which is a safe, small group space to share money experiences, learn practical budgeting skills, explore debt and goal setting and build confidence.

Your personal financial mentors

We’re a group of dedicated financial mentors working alongside locals to create stronger, more secure financial futures together.  We believe when one wins, we all win!

We’ve recently won the Ministry of Social Development tender to provide “Building Financial Stability” services throughout Kāpiti.  Levin Budget Services is the only MSD accredited budget service in Kāpiti and Horowhenua and has offices in Shannon, Foxton, Levin, Otaki and Paraparaumu. Proud to support and be a part of our local communities.

Here to help

We are a free service with offices in Ōtaki and Paraparaumu.

Contact us today. We promise to support you from A - Z. Our job is to simply and easily help you make your financial goals a reality. 

"Having to deal with everything on my own was stressful and talking about money felt awkward.  Being able to meet with a budget advisor and have regular talks helped me get more experience talking about money. It gave me hope and confidence to understand my financial situation"

New & updates

Check out our blog for latest news, updates, useful tips, tricks and information on all things budgeting related.

What do financial mentors actually do?! Part 1

Last month we wrote about a day in the life of a Financial Mentor (FM) and how no two days are the same because of the breadth of the services we provide as FMs. When people hear the wordsRead more

A day in the life of a financial mentor

Many people think that Financial Mentors (FM) spend their days doing budgets and telling people how their money should be spent. Nothing could be further from the truth, and this blog focuses on howRead more

How time and compound interest work together to grow money

Have you ever heard the saying, "Make your money work for you"? That is exactly what compound interest does. And the sooner you start saving, the harder it works for you! Compound interest is oftenRead more

Eating healthy on a budget when you live alone

Last month we looked at eating well on a budget in a family situation; this month we look at doing the same when you live alone. Living alone can make healthy eating seem difficult. It is too easy toRead more

Feeding your family well in difficult times

With the cost of living continuing to go up, feeding a family well is harder than ever. But the good news is that with a few simple steps, you can still put healthy, filling meals on the table.Read more

How different cultures deal with money – A budget advisor’s perspective

When working as a budget advisor, one thing quickly becomes clear - people think about money in different ways! Culture, family values and life experiences all shape how people earn, spend, save andRead more

Levin residents carry $11m plus debt

By Frankie Webb, Horowhenua Chronicle Local people seeking help through Levin Budget Service are carrying more than $11 million in combined debt as demand for financial mentoring surges to record levRead more

Providing a lifeline for struggling families

By Leanne Warr, Kāpiti News As the cost of living continues to impact people’s budgets across Kāpiti and Horowhenua, a local budget service is lending support. Heather Kinsey, coordinator acrossRead more

Are you a potato, an egg or a coffee bean?

A different type of blog this month but hopefully you will enjoy it and be able to apply it to your financial issues. We tend to react according to the circumstances in our lives, so this fable isRead more

How to talk to your children about money

The pressures on children have never been higher than they are nowadays; so many “must haves” so that they can conform with their peer group – clothes, phone, games, shoes – the list goes on.Read more

New Year’s resolution to start budgeting? Let’s start with power.

Power costs are a major part of our budgets, but with a little effort, savings can be made without compromising health and quality of life. Here are some suggestions to help you get on top of your poRead more

Forgot to be a Grinch? No worries.

It happens to the best of us. Christmas in New Zealand is a beautiful mix of sunshine, BBQs, beach trips, and family time. It’s so easy to get caught up in the excitement. We tell ourselves,Read more