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The Bucket Guide

Full Bucket 120.00 per session

Your financial experience right now 

- I am comfortable meeting all my basic needs

- I have a little debt but it does not stop me from getting my needs met

- I own a car or two with little to no payments for them

- I do not need to worry too much meeting  my needs

- I have regular access to healthcare with no stress

- I have access to financial savings 

- I have an expendable income

- I can always buy new items 

- I can afford weekends away and vacations with little stress


Bucket slightly tipped 100.00 per session

Your financial experience right now

- I might need to be mindful  meeting my basic needs, but I manage to achieve them with care. 

- I may have a little debt, but it does not stop me from getting my basic needs

- I own a car or lease a car, and can maintain it being budget conscious. 

- I can afford to have access to my doctor without too much worry. 

- I might have a little money tucked away each week

- I have some expendable income each week

- I might be able to buy some new items at the expense of others

- I can take a holiday maybe once a year and small trips away if I save really well, with no financial burden


Bucket has a little leak 80.00 per session

Your financial experience right now

- I worry a lot about meeting basic needs but I manage to achieve them carefully

- I have debt and it stops me from getting things beyond the basics at times

- I  have a car, but I need to be careful using it

- I have a  limited income, but enough to live modestly

- I have little access to savings  each week, putting a little away when I can. 

- I rarely buy new items as a treat to myself

- I can't take weekend trips away, unless it's to see family/whānau and I won't have to spend money. 

Bucket has a bigger leak 60.00 per session

Your financial experience right now

- I worry a lot about meeting basic needs and don't always achieve them 

- I have debt and it stops me from getting my basic needs sometimes 

- I live in a house but nothing over the top

- I don't have a car, or I do but it stresses me out sometimes running it. 

- I qualify for government assistance but I can not get free counselling

- I have a very limited income 

- I have no access to savings 

- I rarely buy new items because I am unable to afford them 

- I can't take weekend trips away, unless it's to see family/whānau and I won't have to spend money. 

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