Track Monitor
Plan better Live Better
Spending or Cashflow Planning

The cashflow planner gives your budget life!

Cashflows allow you to forecast your future spending and monitor that everything going to plan.

And, when things pop up the cashflow, is flexible and 

We help people make a money plan that is simple, verifiable and flexible. 


This is a budget that brings your budget to life and lets you plan payday to payday 

Taking our dreams and writing them down starts the process of transforming the dream into a goal. Using the FPOA you will be prompted to think about your dream/goal/plan deeply by asking questions that draw on your strengths. 

  • Goal. Define your goal and be clear about why it is important to you. How will you feel when you reach your goal and how important is it to you? This is where you find the motivation that will drive you.

  • Reality. This is where we wipe the stream from the mirror and have a good look at ourselves. What's happening now and how could it be better. Here is where making a good honest budget will help clarify your financial reality - this can be confronting but we need to know where we are so we can know which pathway to take. 

  • Options. Explore options by reflecting on how things could be improved, what's been tried before and how did that work out? Drawing on past achievements and reflecting on mistakes helps us be sure-footed on our new pathway. 

  • Way forward. What action will move us closer to our goal, what happens if things get difficult, and what support will we need? Its life - there will be obstacles along the way. If we take the time to pre-plan how we are going to get around the things that trip us up we will be able to pick ourselves up and carry on. Having a contingency (or a backup) plan gives us the confidence to keep going and prevents us from being overwhelmed. 

Breif summary...

"This is for you, your family and whānau to use. Your financial mentor will help by supporting and guiding you as you fill it in."

Ahakoa iti, he pounamu

Treasure even the smallest of acheivements

Gisborne Budget Moni Ora is a provider of Building Financial Capability services under contract to the Ministry of Social Development

Talk to us

Phone 06 867 7173

SMS 027 8432 868

Nau mai haere mai

48 Cobden Street, Tūranganui-ā-Kiwa, Gisborne

Open weekdays 9.30am to 4.00pm



48 Cobden Street


PO Box 1220, Gisborne 

Contact Us

Gisborne Budget Moni Ora is an autonomous non-profit organisation that exists to build financial capability in Tairāwhiti. 

Gisborne Budget Service is an incorporated society

and a registered charity, CC28561

About Us