If it feels as though you’re struggling with money problems, the best thing you can do is ask for help. You’re not the first person to get into debt, and you won’t be the last.

The sooner you get started on fixing the problem, the sooner you can put it all behind you.

It can be amazing how much weight feels lifted off your shoulders once you sit down with someone and lay out your situation.

FinCap can put you in touch with budget advice services wherever you are in New Zealand.

Budgeting services offer free, confidential budgeting advice. With a financial mentor, you can create a plan to get out of debt, save money and start building a future for you and your family.

Click here to find a local budgeting service, or call the freephone line, MoneyTalks (0800 345 123), which is an easy first port of call for anyone needing budgeting support and advice. It’s answered by trained financial mentors who can provide information and guidance.

MoneyTalks can help you by offering free information, support and advice on budgeting issues by phone, text and email; referrals to free budgeting services; and guidance if you’ve got debt or are at risk of debt.

Text MoneyTalks on 4029; email help@moneytalks.co.nz;or talk to someone on live chat at www.moneytalks.co.nz. 

Debt collectors chasing you?

If you’re being chased by a debt collector, we’ve written here about what they can can’t do, and the rights you have.

If you’re wondering if the best option might be bankruptcy, we cover that too.

And if you’re wanting to turn the page, start pulling things together after a bad run, and start building up a better credit record, we’ve set out some of the steps you can take here.

You might also like to take a look at a service we’ve just launched called Clear Name which can help you negotiate to get an outstanding account paid off, plus Money Simple, our new (free) spend tracker.

And remember, over at MoneyHub there’s a comprehensive guide to all things credit score and credit history; we love MoneyHub because they’re objective and unbiased.

The post Feeling overwhelmed by your money problems? Here’s some free expert help appeared first on Credit Simple NZ.