CAP Money Course

Are you managing your money… or is money managing you?

Learn to spend, budget and save so you reach your goals faster.

When you use CAP Money principles your money goes further. It’s almost like getting a pay rise! Three 90-minute sessions is all it takes and the course is completely free.

CAP Money courses running across Aotearoa.

Gemma and her son joking in the bush - finding joy even when times are tough

8 great reasons to take CAP Money

Over 18,000 New Zealanders like Adam have taken this free course. Wherever you’re at with your finances, CAP Money is for people of all ages and stages.

  1. Struggling? Ensure there’s enough money for healthy food every week
  2. Sleep easy – and stress less about money and paying back debt
  3. Know that you’re doing the best for your whānau and children with your finances
  4. Save for birthdays, school fees or holidays
  5. Build savings towards a house deposit
  6. Stay in control after a job loss
  7. Pay bills on time
  8. Having a baby? Be prepared if you’ll be living on a reduced income
Whatever your reasons for attending, we’ll help you to reach your goals.
How CAP Money works

You don’t need to be good with money to take this course. In fact, it’s designed to be relevant to everyone – whether you’re facing a reduced income or job loss, are self-employed, or simply after a tune-up for your finances.

During this three-session course, you’ll identify exactly how you spend your money and learn to prioritise the things that are most important to you. You’ll also learn to live well within your means, while managing or preventing debt, and saving for your future. The course uses a simple, cash-based system that really works.

The course is designed to be fun, so why not invite your friends and whānau along too?

Find a free course

Enter your Town or Suburb to find a course near you…

Can’t find a free course? email us at and we’ll find one for you!

What happens during the course?

Each of the three sessions will be facilitated by a trained CAP Money Coach. Here’s a brief outline of the curriculum:

Building a budget using CAP’s online tool
You’ll take a good look at where your finances are right now and use this information to start your own balanced, sustainable budget. Our free, online tool makes this process simple and gives you clarity around your budget immediately.

Your budget will be personal to you. You don't need to share it with your coach or other participants at the course.

Putting the CAP Money system into action
You'll learn to simplify your life by making your budget work day-to-day. We'll teach you how to operate using three accounts for your money: a regular payments account, a cash account and a savings account.

Identifying your individual goals and/or your family’s priorities 
You'll learn how to save for the things that really matter to you and/or your family. Having a budget and learning how to spend wisely won’t limit your freedom... it will actually give you greater freedom to do what you love!

Frequent questions

Where can I find a course?
The CAP Money Course is run all over New Zealand by churches that partner with Christians Against Poverty. 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 at and we’ll be more than happy to help find one for you!

How long is the course?
The course usually runs over three evenings, spread across three weeks. Some courses are run during the day. Depending on your CAP Money Coach’s approach, there may be courses that are offered over one or two days.

Is the course free?
Yes! You’ll receive your materials and access to the CAP Money online tool when you attend the course.

Is CAP just for Christians?
Whoever you are, whatever you believe – or don’t believe – CAP welcomes you!

“I finally feel like I am in control of 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 halve my student loan!”