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Many of us live day-to-day on a very tight budget without any financial safety nets

Any changes, big or small, in our weekly income or outgoings can lead to money problems. Having a serious health event like a heart attack may mean that you have a drop in household income, either in the short term when you are recuperating, or perhaps in the longer term if you are unable to resume the job you previously had. You may also face extra or new expenses as a result of having a heart attack for example, the cost of petrol traveling to hospital or doctors appointments, hospital parking expenses and prescription charges. These changes can cause money worries and financial hardship.

Seek help sooner rather than later and make a plan to secure your income and manage your outgoings.

There are positive steps that you can take to get on top of your financial situation. Take a look at our income/outgoings section below for some ideas. It is important to take control and do something about the bills- they don’t go away if you just ignore them and put them in a drawer.

Some people feel embarrassed or ashamed to ask for help when they have money problems. However, seeking help sooner rather than later is a positive and sensible thing to do and can help to avoid sleepless nights worrying about money problems.

If you are concerned about your money situation and feel that you need help to make a plan, contact your local budgeting service. Visit to find a location near you.

Darryl Evans shares his heart health story
  • Contact your local Work and Income New Zealand Office to check if you are entitled to financial support
  • Consider ways to increase your income for example, do you have a spare room available in your house that you could use for homestay or to rent out?
  • Is there anyone in the household that can contribute a little more?
  • Do you know where your money is going? Take a good, hard look at your bank statements and think about where you are spending your money. Are there any areas where you can make savings?
  • Talk to the people, companies or organisations that you owe money to, whether it be your bank about your mortgage or credit card repayment, a landlord about your rent payment, a power company about your power bill or a private lending company about a hire purchase payment.
  • Explain your situation and together come up with a realistic payment plan. Legally lenders are obliged to ensure that repayments don’t cause substantial hardship. For further information click here.
  • If you don’t feel confident to have these discussions yourself, ask a trusted family member or friend for help or contact a local budgeting service.
  • Avoid using your credit card – it can be easy to spend money that you haven’t got.

If you haven’t got the money today, chances are you won’t have it tomorrow.

Darryl Evans, Budgeting Services

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Continue the journey

Returning to Work
How will your heart condition will affect you in the workplace?
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Driving & Travel
Do you know when you can return to driving your car?
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