As a working mum Winnie was determined to provide essentials for her young family. But she says “The debt used to consume my mind”.
“I couldn’t afford to pay for heating. I had three children all under the age of five. They’re all asthmatic…”
“I would look in clothing bins so I could make sure that my children were warm.”
On pay day, Winnie found herself in survival mode. She would pay back the loan from the week before, then take out another loan.
“This cycle of debt was generational . My parents were in hardship, their parents too. I didn’t want that legacy for my kids. So I decided to call CAP.”
“With CAP, I hear the compassion in their voice. They asked ‘Could I pray for you?’… I was like ‘what the hang?!’ These strangers are praying for me… so beautiful.”
Financial hardship is mounting. But when you start a regular donation, you’ll ensure CAP & the local church can journey alongside a person like Winnie – providing free practical help and spriritual hope.
Will you give $10.50 a week to release a New Zealander from money chaos?
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💸CAP supported Winnie as she repaid her debt using her own income. It’s clients who do the hard work – CAP never pays a dollar of their debt.
“My CAP Coach was like ‘it’s OK. You’re not by yourself… I feel loved and appreciated.”
Releasing New Zealanders from poverty, in partnership
with you and Rhema Media.
people released... since 1st May 2025!
Your regular donations to CAP enable people, like Winnie, to start:
- strengthening their financial position, and
- strengthening their relationships with money, themselves, others and God.
CAP’s approach is proven to work — here’s how:
- CAP offers prayer/karakia over the phone
- A CAP Coach from a local church visits their home
- Empty cupboards are filled with food, if needed
- The CAP team leans into a person’s big rocks & goals (eg. fixing a car)
- CAP creates a customised whānau budget — prioritising rent & food
- Savings are built into CAP budgets, so people gain money skills & a habit of savings
- CAP advocates with money lenders on behalf of clients to get unfair interest & fees wiped. CAP arranged $9k to be wiped from Winnie’s unethical car loan!
- CAP offers prayer/karakia over the phone
- A CAP Coach from a local church visits their home
- Empty cupboards are filled with food, if needed
- The CAP team leans into a person’s big rocks & goals (eg. fixing a car)
- CAP creates a customised whānau budget — prioritising rent & food
- Savings are built into CAP budgets, so people gain money skills & a habit of savings
- CAP advocates with money lenders on behalf of clients to get unfair interest & fees wiped. CAP arranged $9k to be wiped from Winnie’s unethical car loan!
Winnie — “Now I don’t worry about winters. I keep track of my electricity. When I see a power bill, I’m ecstatic to know that I’m going to pay it.”
- Whānau relationships strengthened
- New friendships are formed as people connect to a local church
- People discover they’re made in God’s image; they take steps closer to Jesus.
Social impact - independently assessed by Impact Lab
Improved mental health
Improved spiritual wellbeing
Improved partner relationships
Improved physical health & food choices
Reduced need for emergency benefits
Your giving creates a generational impact
“Life after CAP, I’m free! Every corner, I knew that God was there… I saw God move every single time… Now I want to teach my kids how not to acquire any more debt.”
Keen to see more? Check out Sioeli & Saane’s story
New Zealanders have gone from hardship to living debt free!
%
people using CAP Debt Help say it's 'life-transforming' or 'a great help'
%
of CAP clients felt closer to God in 2024, compared to the past
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