fully’. The modern elder exhorts ‘Eat your money carefully’, meaning spend wisely, and look after what is left. Bank it! You may be tempted to say if you have read this far, ‘What did our tupunas know about money budgeting … they never had any! How very true. However, they had the prime factor necessary to make any budget, stone age or modern, work successfully. They had the will to look reality in the face and cope with it. This triumphant quality they left on the winds of change for the seeing eye to snatch, and use! Many, but not enough, have already snatched it and are using it to their great content. This ability in present day terms simply means the courage to look our bills in the face and ask ourselves, ‘are we keeping them in check?’ … ‘or falling foul of them with our creditors?’ This is all any budget plan requires to kick it off to a good start. Budgeting, then, is knowing where your money is going, not wondering where it went. It is planned use of the weekly pay packet to get the most for your money. It is a diligent endeavour to stay debt free, to get the best

of Karangahape Rd, Papakura, Papatoetoe, and Pakuranga … the keenest place to shop George Court's the place for Bargains always ⋆ BUY FOR CASH, LAYBY, TERMS, CHARGE, or “STORE CURRENCY” 10/- initial deposit in “Store Currency” gives you £10 spending money within the Store … with 20 weeks to repay. GEORGE COURT'S Karangahape Road, Auckland Private Bag, C.1. and at Papakura, Papatoetoe, and Pakuranga.

returns from money spent as family needs arise, thus ensuring the utmost satisfaction to the whole family unit. It takes everything into account, safe-guarding the family from the loss of security, prestige, and joy caused by a financial crisis. In short, a budget plan operates to provide for the family's needs and relaxation. It eliminates wasteful spending by improved purchasing power, curbs impulsive buying and ensures happy security and advancement. Today more and more Maoris are turning to the Household Budgeting Advisory Service or the Budget Counselling Scheme. They are glad of its free and dedicated ‘know-how’ to fit their expenditure to their income, and thus ultimately become independent, self-reliant and happy members of the community.

Budgeting is voluntary This scheme was ushered in at Kaikohe in 1960 by Dr Paewai and his group who were deeply interested in the well-being of their fellow-citizens, trapped in the mesh of the ‘money-goround’. It serves all sections of the community who seek its help. Because of its value to the community it is encouraged by the Government but it is in no way, controlled or directed by it. It is a purely voluntary service, advertised only by those satisfied people who have benefited by following its expert advice to become debt-free happy citizens. Because of this, it has spread through-out the island on demand. Wherever it is working, it is operated by groups of local people who want to help. They know from experience how hard it can be to make income cover needs, and how greatly a budget plan can stretch or save the money. They help you only if you seek them out, and you can cease to use their services at any time. However, very few people, once they join up, drop out before they are clear of debt and able to run their affairs in a business-like manner. Many people seek the help and assistance of the Household Budgeting Advisory Service not because of debt, but because they wish to learn how to use their money more effectively for various reasons. Some have other problems, like health, education, discipline, the temptations of drink or gambling, and hire-purchase, which can all be involved in household budgeting or home management. The advisers or sponsors can either help in these matters or get the expert advice and assistance of people who can.