Gemma had felt alone her entire life.

Trapped in thousands of dollars’ worth of debt, Gemma took on midnight shifts at work just to get by - but that took her further away from time with her son and left her feeling stuck in a never-ending cycle.

One day Gemma heard about CAP from a co-worker - who also happened to be a CAP Debt Coach - and that one conversation led her to discover so much more than freedom from debt.

Watch the video below and hear Gemma tell her incredible story of what happened when God reached into her life... and transformed everything.

Want more? Check out Gemma's tips for how to find riches in things that are free, and ways to teach tamariki the value of money.

Just two years ago Adam, who works full-time in logistics, was thousands of dollars in debt.

“I’d just spend [money] as it came, not thinking about tomorrow. I needed some help to get back on my feet."

So when he heard about a CAP Money course running at the marae connected to his local church, he knew he had nothing to lose.

Once there, Adam learnt money management skills which transformed his spending habits, and he found he developed a whole new mindset about money.

“Do I really need this? I ask myself that question every day… It's helped me shop wisely and on a budget.”

Since attending the course, Adam has managed to pay off ALL his debts! He’s also mastered the art of putting money aside for a rainy day.

A short time ago, Adam’s car needed costly repairs, and soon after, he needed an urgent tooth extraction. Before doing CAP Money this would have made him ‘stressed out’ – but Adam was able to use savings to cover both unexpected bills!

Adam is now relishing the ability to go after his dreams, including going away on a proper holiday, and saving hard to buy his first home. Adam's financial freedom has also given him the opportunity to explore new passions:

"I bought myself a violin two weeks ago. I don't know how to play... but this year I decided that I wanted to do something different. I've just gone through how to tune it, and then the next stage will be how to play it! CAP Money is keeping me focused and helped me to go for my goal.”

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