Sarah, working as a hairdresser, suffered an overuse injury. Unable to work, her finances soon became unmanageable.
“The debt felt inescapable. I’d lost my passion, and it felt like my identity as well. I got really depressed.”
“The stress of finances, because money lenders were trying to chase me… I’d never been depressed before. You feel like you can’t breathe — things got bad.”
Sarah’s counsellor suggested she call CAP for free help.
“I was thinking, ‘CAP’s a Christian thing?!’ Are they going to push that on me? But my Debt Coach, came over & Dave was so friendly, and real! We had a laugh.”
CAP’s practical help was game changing for Sarah. “He prayed for me to be strong and to be able to get the finances done. And prayed for the boys — for them to be returned to my care. So that was a cool vibe”.
Right now, there’s a wave of people calling CAP, drowning in debt.
Your donation of $1.50 a day (= $10.50 a week or $46 a month) is what it takes to release each precious person in a household from poverty. Start your gift today so the next person, like Sarah, won’t need to struggle alone.
Online Donations are powered by Pushpay and are secure.
Another way to give: via bank transfer
Releasing New Zealanders from poverty, in partnership
with you and Rhema Media.
people released... since 1st July 2023!
“I started attacking the debt : that was a huge relief, emotionally and mentally.” — Sarah
Your regular donations to CAP will offer people, like Sarah, a unique combo of…
- strengthening their financial position, and
- strengthening people’s relationships with money, self, others and God.
By giving $1.50 a day — equivalent of $10.50 a week or $46 a month – you’ll enable another New Zealander, like Sarah, to start discovering life in all its fullness.
Online Donations are powered by Pushpay & are secure. Alternatively, you can give offline or via bank transfer here.
- A CAP first responder takes a person’s call
- A Debt Coach from a local church visits their home — or wherever is convenient amidst their complex lives
- Empty cupboards are filled with food, if needed
- CAP advocates with money lenders to get unfair interest and fees wiped
- CAP provides a budget which prioritises family/whānau essentials like rent and food
Savings are built into CAP budgets, so people discover the habit of saving – and learn the importance of it
“My Debt Coach dropped off vegetables and things from church — a big hamper. Wow, it was so kind. ” — Sarah
And as money chaos ends, people like Sarah discover new headspace to strengthen relationships…
- Whānau relationships strengthen
- New friendships are formed as people connect to a local church
- People discover they’re made in God’s image; taking 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 generational impact. CAP empowered Sarah to repay the debt using her own income. It’s clients who do the hard work — CAP never pays a dollar of their debt. Parents gain money wisdom in the CAP process, and it’s often passed onto children.
For Sarah, after five months with CAP, she was stable enough to get her own place. Her boys were able to live with her again!
“And now I’m not worrying about bills, it just opened endless possibilities. I want to have a car by the end of next year. I’d like to go away for a weekend with the kids. My youngest can do more activities.”
Anna & Francis
“CAP helps you get that second chance again.I have realised how good a provider God really is.”
“Freed up brain space… I feel like the coolest mum on earth! I can enjoy weekends with the kids— being able to feed them whole, nutritious food.”
Mark & Carol
“Our marriage: it’s gone from strength-to-strength… there’s no greater feeling on earth than saying yes to our kids!”
New Zealanders have gone from hardship to living debt free!
million dollars in unmanageable debt and bills repaid or written off
people using CAP Debt Help say it's 'life-transforming' or 'a great help'
of people stay free from unmanageable debt two years after going debt-free
A Christ-centred approach that cares for the whole person
People are complex, relational beings made up of mind, body and spirit. So, CAP Debt Help works by wrapping around the whole person.
CAP partners with 56 churches up and down Aotearoa. That means you’ll be addressing physical/material hardship, relational needs, and poverty of spirit – all at the same time.
Other ways of giving