About Us

Welcome to Christchurch Budget Service INC (CBS)
(Providing free services to the people of Canterbury for 53 years.)

Our vision is communities where everyone is financially literate and has the ability to independently manage their own financial future and lives with pride for themselves and their families

CBS’s specialist professional budget advisers work with individual and families / Whanau and communities to enable them to establish and stick to realistic financial plans that include workable budgets and effective debt management strategies.

Working people and their Families / Whānau including:

  • Full-time, part-time and casual Employees
  • independent contractors.
  • Self-employed.
  • Casual agency workers.
  • GiG workers and online traders/ businesses

Culturally and Ethnically Diverse (CALD) including:

  • Past Refugees
  • Migrant Workers
  • Permanent Residents
  • Muslim communities


Tertiary students.

New Zealand Work and Income Beneficiaries particularly people who are:

  • Transitioning to and from work.
  • Becoming contractors, self-employed or setting up small businesses
  • Who have outstanding debt from past businesses.
  • Have IRD child support, income tax and GST arrears

CBS is a genuinely independent agency that accepts people from all faiths and cultures. CBS is not part of, or aligned to any religious or political organisation.

Christchurch Budget Service advocates strongly when clients are unable to make themselves heard, or effectively make their case when individuals, private businesses, public institutions and community organisations are not following proper processes and or are acting unlawfully.