Wairarapa’s locally owned community newspaper
WEDNESDAY, NOVEMBER 28, 2018
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Breaking the chains of debt Emily Ireland When you’re in debt, it can feel like you have chains wrapped around you. That’s according to Jen Bockhop and Jacqui Lockyer, who volunteer their time assisting Wairarapa people to become debt-free, free-ofcharge. This year, they’ve helped four local people become debt-free. The organisation they volunteer for is the Wairarapa branch of Christians Against Poverty (CAP), a charitable organisation that specialises in debt counselling for people in financial difficulty, including those in need of bankruptcy or insolvency. The Masterton-based branch celebrated its fifth birthday this year and over the years has helped 18 Wairarapa people become debt-free. “Debt can get to the point where people don’t want to answer the phone, they don’t want to know who is at the door, they don’t go visiting people because they don’t have money to do anything,” Jen said. “With us, there’s no judgement – we just want to help people find a solution. “Let’s help, and let’s move forward.” Unlike many finance management organisations that encourage all debts to be paid off first with the remainder going to living expenses,
CAP works out how much money the client needs to survive at a reasonable standard of living, and the remainder is split between paying off debt and contributing to savings. “There is a standard of living,” Jen said. “We see families of five trying to survive on $60 a week for groceries. “How do you do that?” One Wairarapa family that Jacqui coached out of debt were living day-by-day on their finances. “Sometimes it was $80 a week on food for six of us . . . it was frustrating,” members of the family said. Within the family, there were issues of alcohol
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Jacqui Lockyer and Jen Bockhop from Christians Against Poverty Wairarapa, helping people to become debt-free. PHOTO/EMILY IRELAND
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