CAP Money: A 3-session, interactive course that encourages people to budget, save and spend wisely

Do you want to do more with your money? CAP Money is a free, fun, interactive course that helps you take control of your finances, so that they don’t control you.

How it works

The 3-session course helps you identify how you spend your money and prioritise the things that are important to you. You’ll learn to live well within your means, manage or prevent debt, and save for your future, all by using a simple, cash-based system that really works.

Whether you're facing a reduced income, self-employed, well-off or after some help with your finances, this course is for you! Read more and find a free course below.

Find a free course

We have courses running throughout Aotearoa! Simply write the name of your suburb or town into the 'Find a Course' field, wait a few moments as it loads, and find a CAP Money Course near you.

Or, to join a free online course please email to find out more.

Can't find a free course in your suburb? Try entering your towns name or email us at and we'll find one for you!

How the course works

The CAP Money Course is simple, flexible and effective. Each of the 3 sessions will be facilitated by a CAP Money Coach and includes:

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!

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.

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.


Where can I find a course?

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. Check out the ‘Find a free course’ tab above to find a course near you.

What if I can't find a course near me?

Email us atcapmoney@capnz.organd we'll be more than happy to help find one for you!

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.

Is CAP just for Christians?

No. CAP helps anyone, regardless of religious beliefs, race, nationality, age, gender, marital status, sexual orientation or disability.

Does your service cost anything?

No. CAP’s services are free – funded by individuals, businesses, churches and charitable trusts from all parts of New Zealand.

“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

“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 & Joanna

“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