Ko te tangi a te Pipiwharauroa 
Kui, kui, whiti, whiti ora 
Whiti ki runga 
Whiti ki raro 
Whiti ki te whai ao, ki te ao marama 
Tihei mauri ora! 

Ka tū ngā mihi ki a rātou kua wehe atu rā ki tua o te arai. Haere, haere, haere atu rā. Haere ki runga i te whare hukahuka a Tangaroa ki Hawaiki, Hawaiki nui, Hawaiki roa, Hawaiki pamamao. 

Ka apiti hono, tātai hono. Te hunga ora, ki te hunga ora, te hunga mate ki te hunga mate. 

Ka huri au ki te ao tākata. Nō reira, e ngā iwi e noho ana ki runga i Te Ika a Māui me Te Waipounamu, tēnā koutou, tēnā koutou, tēnā koutou katoa.

Getting by on a budget is tough and when the debts begin to mount up it can be difficult to see a way forward. To address this issue Te Puni Kōkiri funded a Financial Independence Programme to encourage whānau to look at the way they manage their finances. Many of the whānau who participated in this programme changed their financial habits for good and said goodbye to their unwanted debts. This website has brought together the tools and advice that enabled whānau on the programme to reach their goals. Thanks to Joan Baker for the use of her materials for this site.

The perfect starting point – your financial habits. How good (or bad!) are they? To find out click here. 

This quick quiz will help you to find out whether you could be managing your finances better. If your test scores aren’t so flash you may want to think about ways you can make changes for the better. If your pile of bills is growing and you can’t see a way forward then try skipping straight to the 12 step challenge. 

The 12 step challenge provides some suggestions on how to get your finances under control and some money saving tips you might like to consider. Click here to get started.

The 12 step challenge

 Financial Habit Quiz