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Moneywise Manawatū

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New Zealand
Palmerston North
Moneywise Manawatū

We provide a free, confidential Financial Mentoring service to Individuals and families.

We offer FREE, supportive, confidential and culturally aware budgeting/Financial Capability services to suit your individual circumstances.

24/07/2025

💸 August is Sorted Money Month, and this year, it’s all about emergency funds🚨💰 – your safety net when life takes a turn, and a key step to financial freedom.

🔍 Sorted’s got your back with heaps of tips, resources, and events to help you shift from stressed to sorted 🧡

🎓 Kick things off by clicking the link below and signing up for one of the Sorted free webinars below, and don’t forget to check out what’s happening around the motu 📍🎉

Stressed to sorted: Emergency savings 101, 📅 Tuesday, 12 August🕒 12.30–1.30pm

How an emergency fund can change your life, 📅 Tuesday, 26 August, 🕒 12.30–1.30pm

https://sorted.org.nz/free-money-month-webinars-registration/

23/07/2025

🎓💸 Student Money Tips Recap from Massey Open Day!

Thanks to everyone who stopped by the Moneywise Manawatū stall at the Massey University Open Day — we loved chatting with you! Here are the top tips we shared:

1️⃣ Credit Score Matters – Pay bills on time and avoid unnecessary debt. A good score helps with future loans, rentals, and even job opportunities! ✅
2️⃣ Budgeting Basics – Know where your money’s going. Use apps or simple spreadsheets to track spending and stay in control. 📊
3️⃣ Cut Back on Eating Out – Cooking at home saves heaps🍽️ Try meal prepping to make it easier!
4️⃣ Use Student Discounts – From transport to tech, always ask if there’s a student deal. It adds up! 🛍️

Got questions or want more tips? Message us anytime! 💬

21/07/2025

🎉💸 Sorted Money Month is coming this August! 💸🎉

This year we're diving into Emergency Savings 🆘💰 — because life can be unpredictable, and having a safety net makes all the difference!

We’ll be sharing 💡 easy tips, 🛠️ helpful tools, and 💬 ideas to help you get started (or keep going) with your savings goals.

👀 Watch this space for updates, inspiration, and ways to get involved!

18/07/2025

💸 The Bank Statement Challenge 💸 Would you be proud of your spending? 👀

This isn’t about cutting back — it’s about understanding where your money’s going 💡 and whether it’s actually supporting the life you want to live 💕

Step 1: Grab last month’s bank statements 📄
Sort your spending into simple categories like:
🛒 Groceries
🍔 Takeaways & Dining Out
⛽ Petrol/Transport
🎮 Gaming or Gambling
📺 Entertainment & Subscriptions
🛍️ Shopping & Impulse Buys
💳 Debt Repayments / Buy Now Pay Later (Afterpay, Zip, etc)

Step 2: Add up each category ➕
Then divide by 4 to get your average weekly spend 📊
This gives you a snapshot of your habits in real terms.

Step 3: Reflect 🤔
✨ Would I be happy looking back on this in a year?
✨ Was I spending from boredom, stress, survival… or purpose?
✨ Is there a goal I’d rather be putting my money toward?

If something feels off, ask yourself:
👉 What small change can I make going forward?

No guilt. Just awareness.
Because your money should support your values — not just your bills 💚

17/07/2025

🎉 Final Session of MoneyMates Complete! 🎉

Last night we wrapped up one of our 6-week MoneyMates course — and what an incredible journey it’s been! A massive thank you to Brian, Chianti, and Madi for leading this round with such dedication and aroha. You’ve made a real difference!

This round was extra special as our participants were a passionate and engaged team from Best Care Whakapai Hauora . Their commitment to learning, sharing, and growing together was truly inspiring.

💬 Some of the powerful kōrero and achievements shared by the group:

✅ Paid off Afterpay
✅ Restarted lapsed payments via AP
✅ Changed spending habits
✅ Started regular savings
✅ Became more consciously aware of their finances
✅ Found value in kōrero with others in the group
✅ Got approved for a mortgage! 🏡
✅ Reframed a daunting savings goal into a side hustle opportunity
✅ Took accountability for spending
✅ Faced the challenge of reviewing bank statements — confronting but hugely beneficial for the whole whānau
✅ Thought they wouldn’t learn much… but found it incredibly helpful!

💚 Congratulations to everyone who participated — your courage and openness have made this a truly memorable round. Here's to many more!

16/07/2025

💡 Budgeting isn’t just about cutting back!

Most people imagine it’s all about squeezing blood from a stone 🪨💸 — trimming every dollar till there’s nothing left.

At Moneywise, we do review expenses — that’s part of the journey. But we don’t stop there 🚀 Sometimes budgeting isn’t about squeezing the stone... it’s about pulling the sword from it ⚔️✨

Here’s how we help our clients grow:
✅ Spot hidden talents you didn’t know you had
✅ Explore creative ways to earn extra $$
✅ Build confidence while you're building savings

A great budget should feel empowering — like you’re steering the ship 🛶, not being tossed around by the waves 🌊

Budgeting = possibility, not punishment. 💪💚

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15/07/2025

Meet Paula – One of Our Awesome Financial Mentors

Paula helps people with their money problems and really knows her stuff. She’s down-to-earth, easy to talk to, and here to help you feel more confident with your finances—whether it’s sorting out debt, making a budget that works, or just figuring out where to start. Read on to find out more:

❓Why did you want to work for Moneywise?
I was not sure if I did want to at first, but I needed work and I like working with numbers and people.
I count myself very blessed that it has become such a good fit for me working here.

✨What is your favourite thing about working at Moneywise?
The team and the clients.
The things we learn together, and the success we have with our clients – making lives better and easier.

☕️✧˚🍫📖🎬What do you for fun in your down time?
Coffee, chocolate, a book or a movie ….. I’m a lazy soul!!

❝ ❞Favourite quote and why.
Successful is the person who has lived well, laughed often, and loved much, who has gained the respect of children, who leaves the world better than they found it, who has never lacked appreciation for the earth's beauty, who never fails to look for the best in others or give the best of themselves.
"Ralph Waldo Emerson"

14/07/2025

🔍 Understanding Your Credit Score: Your Financial Footprint 👣

Let’s talk credit scores — because not knowing how they work can really trip people up, especially when they start getting in the way of things like renting a place or getting approved for a loan.

Your credit score isn’t just a number. It’s like a financial footprint 👣 — showing where you’ve been, how you’ve handled money, and how trustworthy you might seem to lenders, landlords, and even employers.

It can affect:
✅ Getting a loan or credit card
✅ Renting a home
✅ Setting up utilities or phone plans
✅ Even landing certain jobs

The good news? You can keep your credit report in good shape — and even fix it if things have gone a bit off track.
📋 Check what’s on your report
🛠️ Stay on top of payments
🔄 Know that it can be repaired

Missed payments or defaults aren’t the end of the road. With the right help and some steady effort, your score can bounce back — opening up new doors and opportunities.

💡 The more you know, the better you can plan. Let’s take control of your financial future.

10/07/2025

🌺🌺 Moneywise Manawatū at Pasifika Fusion Festival! 🌺🌺

The Moneywise Manawatū team had a great time at the Pasifika Fusion Festival chatting with everyone and gathering feedback on how we can better support your financial wellbeing. 💬💸

Everyone who filled out our survey went in the draw to win a grocery voucher — and big congrats to Serene, our lucky winner! 🛍️👏

Thanks again to everyone who took part — your input really helps us make a difference. 🙌

09/07/2025

🍔 Convenience Loans are like Financial Fast Food 💸

Quick and easy to get but just like fast food, they come with a high cost you might regret later.

DO:
✅ Check the "ingredients" – Read the loan terms carefully.
✅ Use them only when absolutely necessary.
✅ Have a plan to pay them off as fast as possible.

DON’T:
❌ Make them a regular habit.
❌ Ignore the "calories" (interest and fees) add up quickly.
❌ Overload on multiple loans at once

Just like fast food satisfies hunger but harms health long-term, convenience loans meet short-term needs but can damage your financial well-being.

💡 TIP: If you're unsure, reach out to budgeting services. They can help you weigh your options and make smarter financial choices.

07/07/2025

🎒 Looking for FREE School Holidays activities - Visit Our Urban Eels🐟

03/07/2025

🍽️ Food Savings Tips to Help Your Budget Go Further! 🍽️

Want to save more on groceries and meals? Try these smart food-saving strategies:

📝 Plan Before You Shop – Make a weekly meal plan and stick to a shopping list to avoid buying extras.
🥫 Use What You Have – Check your pantry and fridge before shopping. Get creative with leftovers!
🧊 Freeze Wisely – Freeze bread, meat, and leftovers to reduce waste and save for later.
🛒 Buy Seasonal & Local – Fruits and veggies in season are cheaper and fresher.
🏷️ Look for Specials – Shop deals, discounts, and clearance items – especially near closing time.
🍲 Cook in Bulk – Make large meals and portion them out for the week. Saves time and money!
🥣 DIY Snacks & Lunches – Homemade snacks and lunches cost less and are often healthier.
Small changes can make a big difference! 🌱
Got a favourite food-saving tip? Share it below! 👇

Address

Palmerston North

Opening Hours

Monday	9am - 3pm
Tuesday	9am - 3pm
Wednesday	9am - 4:30pm
Thursday	9am - 3pm
Friday	9am - 12pm

Telephone

0800 228 343

Website

http://www.moneywisemanawatu.org.nz/

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