Your giving will ensure New Zealanders and their families can receive free CAP Debt Help for as long as it takes to become free from unmanageable debt. It costs $126 a month ($1,1512 per year) to provide each whānau with the practical help / wrap-around support they need — to be released from the money chaos and povertycaused by unmanageable debt.

Because each person receives life-transforming help and hope — which impacts them both for now and for their futures – your donations bring a lasting change. Money skills are passed onto tamariki – the next generation of New Zealanders.

Direct costs of providing this free service include:

• Specialist Advice Team
• Clients’ Rights Advocacy
• Creditor Liaison Team
• Budget Solutions Adviser Team
• Client Support Team.

In 2020, Impact Lab conducted an independent assessment of CAP’s effectiveness. Impact Lab found that for every $1 invested in CAP Debt Help, the programme delivers $4.90 of social benefit back into communities across Aotearoa. The report also found that CAP Debt Help:

• Reduces need for emergency benefits
• Improves physical health and food choices
• Improves mental health
• Increases financial resilience and savings
• Improves relationships.