Nau mai haere mai, all welcome!
Our services
Moni Ora offers budgeting support to help people plan better to live better.
All services are free, professional, confidential, and emphasise people’s
self-determination and strengths.
Moni Ora is grounded with its roots in the Tairāwhiti community.
The Moni Ora whare has two structural services—budgeting and kahukura—that work together under the overall title of financial mentor.
A financial mentor will lean into either service as needed, often drawing on resources from both simultaneously.
The strength of the service comes from years of experience, stubbornly high standards, ongoing training programmes, and the community networks.
The clients are our heroes.
Mana motuhake—Mana through self-determination and control over one's own destiny
Confidential sessions
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Talk privately with a financial mentor about your money.
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Face-to-face, phone, online, and home visits are available.
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Financial Mentors are another set of eyes that can help you explore options you may not have already considered and present them in a step-by-step plan that works for you.
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Sessions are 60 minutes and can include drafting a budget worksheet and a debt management plan.
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Many people find that 3-4 sessions benefit them. There is no set number of sessions; it's up to you and what you want. Depending on your circumstances, a hardship application or an application to NTM for an interest-free loan might take a few more sessions.
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After the crisis, a mentor can continue to support longer-term planning and the development of financial knowledge and resilience.
A mentor can help you unravel the chaos and gain control of your finances
Budgeting
A budget is your foundation for financial planning.
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Create a flexible money plan that includes spending targets, savings goals, and debt repayment strategies.
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Track your spending regularly and be ready to adjust your plan as needs change.
Hardship applications
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Support with negotiations.
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Verified budget worksheets to show the true financial position.
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Help with hardship applications, including support for creditors, KiwiSaver, property rates, and insolvency options.
Kahukura
A holistic approach recognising that financial issues are not in isolation from social needs.
Discover new possibilities and create a step-by-step plan to move forward, building motivation and momentum along the way.
‘People are resourceful and resilient'
MoneyMates Courses
MoneyMates sessions are fun, interactive group conversations where everyone shares knowledge and learns together, building financial confidence and resilience.
These gatherings are casual and led by whānau, with Moni Ora providing facilitation.
No one is required to discuss personal finances—topics are explored in general terms, and everyone is welcome to ask questions and share their experiences.
Facilitators tailor each session to suit the group’s interests and questions.
Your Money Personality—Needs. Wants. Dreams. Goals—Keeping track of money—Debt management—Borrowing sensibly—How to save, Compound interest, KiwiSaver—Taxes, entitlements, & where to get help.
Microfinance works by recycling funds—after a loan is repaid, the money is used to support the next person in need.
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For people working with a Financial Mentor, NTM offers fairer, kinder, interest-free loans
to New Zealanders who’ve hit a tough patch and don’t know where to turn.
GetControl Interest-Free Loans help you get your debt under control and get ahead financially.
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pay down high-interest loans that you already have
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and/or purchase essential items
Before applying, you’ll work with a financial mentor to strengthen your money management skills and ensure you can keep up with repayments. Your mentor will continue to support you for as long as needed.
For the loan to be approved, your financial mentor will help set up regular repayments that are automatically deducted from your benefit or wages.
You’ll also need to agree not to take on any new debt while repaying the loan.
ZERO-interest & ZERO-fees + FINANCIAL MENTOR = CLEAR DEBT faster!
Sign up with NTM's My Money Kete for support to learn how to get ahead with money.
My Money Kete is a practical toolkit with free tips and resources to help you learn how to reduce debt and get ahead with your money.
