How Budgeting works The Household Budgeting Advisory Service in dealing with its member clients in money matters, favours a cheque account system. Their advisers or sponsors do not handle your money. They only help you to plan your spending and to make your payments. They confer with their clients every week and compare bills with budget. They discuss and advise on spending, saving and pocket-money for everyday pleasure. They help you till it is quite clear you are used to working on a budgeting-plan system and dealing with cheques, and can take over your own affairs entirely yourselves. Bills are paid by the husband or wife with their joint account cheques. Many Maoris today look back with gratitude and well-being to the Service. Cleared of heavy commitments (as some have been) they face the future ten feet tall, able to look after themselves and their families because, under the expert and dedicated guidance of the Budgeting scheme, they have mastered the ‘most value’ ritual of the pay packet. So, if you dread the loss of a few days work through sickness … if your creditors are pressing for payment … if you are anxious about taking on new housing or other responsibilities … if you don't know where the money goes … if your children are going short of necessary things, seek the help of the Household Budgeting Advisory Service. Little Mary Anne asked, ‘Are we Maoris or Pakehas Mum?’ ‘We're Maoris of course!’ her mother replied. ‘I thought so,’ Mary Anne said, ‘Only Pakehas have play lunch!’ That very day mother went out and bought a case of apples—so Mary Anne can have one for play lunch every day,' she confided to her husband. ‘To prove your daughter's a pakeha,’ her husband said slyly. ‘To prove,’ she emphasised, ‘that I can get her the play lunch she needs. We have to go on a budget-plan!’ She hit the nail on the head that time! The next day she got Household Budgeting advice. Mary Anne has never lacked play lunch since!

A.N.Z. EXPERIENCE AND TRADITION OF SERVICE IS UNCHALLENGED This tradition of service, this background of experience has as its origin the first Bank established in New Zealand. In the 120 years that have passed since then, A.N.Z. Bank has seen the development of farming, the growth of trade, the increase in every New Zealander's need for friendly advice and assistance in the often complex world of finance. Throughout New Zealand, in almost every city or town, there is an A.N.Z. Bank Branch or Agency. Here modern and comprehensive Bank services are offered, services that because of experience gained over the years have been designed to cover every need.

Ko te Peeke o A.N.Z. he Roopu whai mona! Koia nei te Peeke kaumatua i Aotearoa nei a nana hoki i whakatakoto te kaupapa awhina i raro o nga mahi tuku moni, mahi paamu whakatu whare me era atu whakahaere i roto i nga 120 tau kua taha ake nei. E ki ana nga kaikorero ma te huruhuru ka rere te manu ara mchemea he whakaaro tou kaua e wehi ki te haere ki te Peeke o ANZ i tou takiwa, no te mea kei reira nga tohunga hei awhina i a koe. A⋆N⋆Z BANK australia and new zealand bank limited FIRST BANK IN NEW ZEALAND