We all face challenges in our lives. For some, an unexpected event can cause a big change to our circumstances. For others, increases in the cost of living can make it hard to make ends meet.

If you’re under financial pressure, talking to someone knowledgeable can make a big difference. We understand everyone’s situation is unique and personal. We’ll sit down with you and listen, so we can understand your circumstances. Then we can talk you through what options you may have and what you can do.

For example:

• If you’re feeling like your finances are out of control, we may be able to help you create or review your budget so you can get them back under control again. We may also be able to help you with ways to manage your money better.
• If you’re struggling to make loan or mortgage repayments, we may be able to help you restructure your lending to make things more manageable.

If you require assistance or would like more information, please contact our Customer Connect Team on 0800 108 818. Alternatively you can call your Banking Consultant/Relationship Manager or just come in and talk to us at any branch of The National Bank. It’s all part of the service.

Other sources of help

• Budgeting - if you want to get control of your finances, setting a budget is vital. A budget shows you where your money goes so you can make informed choices about how you spend it. Use our Budget Planner to help you work out your own monthly budget. The first step is knowing what you spend your money on, so reviewing your bank statements is a good place to start.
• Family Budgeting Services – the Federation of Family Budgeting Services is a collective of community organisations that offer free advice to families and individuals. They’re in most main towns and centres throughout the country – find one near you or call them on 0508 budgetline (0508 283 438).
• Sorted – sorted is the New Zealand Retirement Commission’s website and it has great information on all aspects of money management, including an online budget planner.
• Home Buyers Centre – this site has information on Managing your Loan, including different ways to structure your home loan to best suit your needs.

Certain goods and/or services described on this page are supplied by third parties. The National Bank does not warrant the quality of those goods and/or services described, or the suitability for your particular circumstances. To the extent permitted by law, The National Bank excludes all liability for any loss suffered as a result of the use of those goods and/or services.