Budgeting is an important part of the planning and assessment process.
Often a lot of time is spent firefighting and dealing with crisis, and often looking at a budget is really difficult for clients to do. However, these services can be very helpful if a client has multiple debts or is experiencing anxiety about not having enough to live on.
It is important to encourage clients to see financial counsellors.
Here are some helpful links
Telephone Financial Counselling
Phone: 1800 007 007
This telephone service provides free financial counselling over the phone
(Opening hours are 9.30 am - 4.30 pm Monday to Friday).
Tools and Advice to help you manage your money and debt can be found on MoneyHelp. This website has tools for people that are struggling to pay rent, not sure about their options, have recently lost their job, struggling to manage bills and debts.
Here is a table that a client could use to understand their spending and plan for future spending. There are two sections to understand their spending patterns now, and another section to plan for their spending in future.