When times are tough & money is tight, how do you find happiness?

Isolated. Alone. Gemma sought happiness by giving her son everything she never had growing up. But every time she spent money,  she was left with a deep sadness.

Find out how she beat her never-ending cycle of debt and discovered joy that lasts.

Clestina stressed by loans before CAP, then celebrates with her whānau

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Beautiful stories of New Zealanders on their CAP journey.