Christmas just is a few days away - and a new year is around the corner!

‍Remember what matters: Christmas is about connections, not competition. The best memories often come from laughter, kindness, and shared moments — not from what’s under the tree.

‍🎄🎄🎄 Our Team will be taking a well-earned break 🎄🎄🎄

The office will be closing at 12:00pm on Tuesday, 23^rd December and re-opening on Monday, 19^th January 2026.

During this break, if you need urgent advice, please contact MoneyTalks on 0800 345 123.https://www.moneytalks.co.nz

‍Start the Year Smart – Budgeting Tips for a Fresh Start‍

The start of a new year is the perfect time to hit “reset” on finances — and for families, it often comes with extra costs: school fees, uniforms, stationery, and extracurricular activities. While it’s exciting to plan for the year ahead, these expenses can add up quickly if we’re not prepared.

At BSNC, we see how easy it is to feel the financial pinch after the holidays. BSNC helps families start the year confidently with planning and practical strategies and without stress or debt hanging over them.

Quick tips to stay on track:

• List and budget: Note all expected expenses — school fees, uniforms, books, and activities — and work out what you can realistically afford.

• Plan for the unexpected: A small emergency “buffer” can save last-minute stress or borrowing.

• Shop smart: Compare prices, buy second-hand where possible, and take advantage of school uniform swaps or community sales.

• Get the family involved: Teach children about saving, budgeting, and prioritising — it’s a valuable life lesson.

• Starting the year with a clear plan helps reduce financial stress, so you can focus on what really matters: family, learning, and creating positive memories.

BSNC provides free, confidential support to help you manage your finances and plan ahead. If you would like more information or wish to engage with a Financial Mentor, please contact us to talk about your situation.

We can help you to create your “New Year” Savings Plan.Phone 03 315 3505 or email: servicemanager@bsnc.org.nz

‍We’re on Facebook and www.bsnc.org.nz