Get on a CAP Money Course


The CAP Money Course is a free, revolutionary money management course that teaches people budgeting skills and a simple, cash-based system that really works. This course will help you prioritise the things that are important to you, manage any debt that you have, live well within your means and save for your future – just as it has for thousands of New Zealanders!

Watch the video and read about the course below, and then use our postcode search function here to find the course closest to you
How the course works

This CAP Money Course is simple, flexible and effective; the three-session course, complete with DVD tutorials, includes:
  1. Building a budget using our online tool: You’ll take a good look at where your finances are right now and use this information to build your own balanced, sustainable budget. Our free, online tool makes the process simple and gives you clarity around your budget immediately!  
  2. Implementing the CAP Money system: This system will simplify your accounting and help make your budget work day-to-day. It operates using three accounts for your money: a regular payments account, a cash account and a savings account.
  3. Learning to live on cash: By putting away the credit cards and spending only the cash you have budgeted for week-to-week, you’ll see how you really can get your finances under control.
  4.  Ongoing support: Each session is facilitated by trained CAP Money Coaches who are there to answer your questions, help you build your budget and brainstorm ways to earn more, spend less and save for the future!
What course attendees are saying

The nicest part of learning the CAP Money course is that I finally feel like I am in control of the money rather than it being in control of me. The three account system made it so much easier to work out what was going on, and because of it, I have been able to half my student loan! – Naomi
The biggest change that’s come from taking the course is just simply having enough savings for a future. I’ve got enough now for a house, to give away to charities, it’s fantastic! It’s provided me with options. – Joe
One of the other great things about doing Cap Money is that I’ve been able to set up a giving account; it’s important to me, personally and culturally, and it’s so great to be prepared for things like weddings or funerals – I just know the money is there now. – Deanna
The best thing about Cap Money is the ease of keeping track of where our money is going; this enabled us to manage our money together which is vital in a first year of marriage! – Luke and  Joanna
Since we’ve been on cap money, we now have a budget which makes planning so much easier and my wife and I have been so much more engaged with each other over this. – Nick
I have been trying to put a budget together for years and have been unsure and a bit scared of even how to do so but the CAP teaching material was really easy to understand and the Coaches were friendly, knowledgeable and really helpful. – Leah

Where can I find a course?
Use the postcode search below! The CAP Money Course is run all over New Zealand by churches that partner with Christians Against Poverty, and chances are, there's a course running in your area.
How long is the course?
The course you sign up for will usually run over three evenings in consecutive weeks, but some are run during the day. Depending on the CAP Money Coach, there might be courses offered over one or two days.
Is the course free?
Yes! You will receive all of your materials and access to the CAP Money online tool when you attend the course. We are able to provide a totally free service because CAP is a charity and receives donations from many churches and individuals who want to help people in debt.

Postcode search


Our Details


0508 227 111 :: FREE Debt Help

09 270 0334 :: Supporter & Media Queries

0508 422 769 :: Church Partnership Queries



PO Box 12041
Penrose, Auckland 1064



I don’t know what I would have done without CAP. They have been life-changing for us.
Lani & Kym
The best thing about being on CAP is the relief from stress. “I can even go in to shops and buy some small stuff for myself now, instead of only window-shopping,”

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