CAP Money Course
Christians Against Poverty is an international debt counselling charity that works through local churches. They have a high success rate in getting people debt free, achieved through the provision of a wide range of specialised financial services, personal support and ongoing education. It is this unique package that enables CAP to achieve such a high rate of success, offering hope and a solution to people in debt
Upcoming CAP Money Courses:
LIFE Central – February 2013 (3 week course)
Start dates: Monday 11 March 2013
Time: 7.30pm – 9.00pm
Location: LIFE South, 110 Montgomerie Rd, Mangere. Please look out for our friendly staff that will direct you towards the Parents Room in the Octagon area where we will be meeting.
Contact: For more information phone Doug on 022 033 7940 or email email@example.com
CAP Money Course Testimony
“Six months ago, I attended a CAP Money course in South Auckland. It was a fantastic course that I learnt an incredible amount from. It has been the source of some huge changes in my life and I am so grateful to CAP and the team for giving so generously of their time to make such a big difference in my life.”
Four years ago I had to wind up a small business I’d been working on for 7 years. The sense of failure and despair that accompanied that event then lead me into a spiraling debt situation. As a faithful member of a church, I couldn’t see any reason why I should be unhappy, but I just couldn’t shrug off the fact I was struggling with money and nothing seemed to improve the situation. Then things went from bad to worse. I bought a new laptop for my job, and a week later, with the computer still in it’s box, my house got broken into and the computer stolen. I had opted out of insurance on the contract, so now I was left with a $3500 contract and no computer. In utter despair, I contacted CAP.
I immediately joined the next course run by CAP and in three short weeks I had a new money management system up and running. At first it was a bit bewildering, and went against the grain of my previously laid back approach to running my banking affairs. I had to establish a budget, which included items that come up irregularly, and set aside money into separate accounts for these. In addition I was asked to draw cash out of an ATM and use it solely for my day to day spending! It seemed archaic, in our days of electronic-everything, but I soon learnt that having the physical cash in my wallet made me aware of what I was spending and how much was effectively left in my weekly budget.
Six months later, I am breathing easy. While I still have significant debts to pay, I am keeping all my payments up and have even managed to settle a couple of the smaller debts. Most of the money that I owe is to the IRD, so I’ve attended meetings and seminars to learn about my compliance requirements and to set up an easy system for meeting these. However, other areas of my life have improved also. I became aware of how much I was spending on takeaways and now enjoy a new found love for home cooking. The best achievement is a holiday I’m taking in Sydney, paid for in cash from my savings account, when previously I was depending on friends to shout me just a coffee.
All this I owe to CAP. If they hadn’t been there for me in my darkest moment, I don’t know where I’d be now. I have gone from contemplating bankruptcy to enjoying the simple things in life from good food to nice walks on the beach – all with a lot less stress. I am deeply grateful to the love shown by CAP, who truly embody the mercy and grace of our blessed Lord Jesus.”