Bridget sets goals and makes them happen

Over a few years, Good Shepherd services have bolstered Bridget’s determination to improve her quality of life and be free of unmanageable debt.

Health issues were creating extra challenges for Bridget*. After a surgery, she wasn’t able to work and the mattress she was sleeping on was less comfortable.   

Money was tight. Bridget had some debt that was hard to manage. She and her family made use of Salvation Army food parcels, but walking to collect them was difficult. Bridget had been walking to pick up food parcels or shop for groceries for years. She didn’t have a car and sometimes relied on taxis or family for transport. She wanted a more straightforward way to get to appointments, do her shopping and take her kids to school when the weather was bad.  

Bridget had been working with a financial mentor to try and improve her financial situation. She applied for a no-interest car loan with Good Shepherd. She hadn’t needed a driver’s license before, so sat her license as part of her plan for independent transport. With her license passed and loan approved, Bridget bought her own car.       

Working alongside Good Shepherd and other social services, Bridget continued her efforts to regain control of her finances. Knowing a Good Loan was affordable for her, she sought help to consolidate her debt. A debt consolidation loan helped Bridget move her debt away from high-interest lenders and see her payments making more of an impact. 

Bit by bit, Bridget and her family unlocked opportunities and improved their lives. The Ministry of Social Development had provided the family with a fridge, and Bridget knew she could manage her budget better with a chest freezer. Extending her Good Loan allowed Bridget to buy a freezer, a couch and a bed.   

These items brought relief and benefits that rippled into other parts of life. Feeling better with a furnished house, Bridget enjoyed reconnecting with family, friends and grandchildren through hosting them at home. Being able to transport groceries and freeze food meant meals were more affordable and easier to plan. A bed helped Bridget sleep better and improve her mental and physical wellbeing. 

The options Bridget created through accessing no-interest loans have helped her reduce financial stress and build a happier, healthier life for her family.  

*name has been changed 

Supporting Jen to manage debt and start fresh

With a small grant and some help to reduce debt, Jen and her teenage daughter were able to move away from an abusive relationship and look ahead to better days.

When Jen* was diagnosed with a serious and life-changing tumour, the dynamic of her relationship with her partner shifted. He took control of their finances including the support payment she received due to being unable to work. He would not allow Jen to access any money.   

His psychological abuse worsened over time. He wouldn’t let Jen buy anything or drive their car. Jen was forbidden from seeing her friends. With no access to money, Jen got a credit card and kept a bank account hidden from her partner.     

More than ten years passed before Jen was able to leave the relationship. She moved into a one-bedroom flat with her teenage daughter, and was determined to help them both live safely. Jen contacted Good Shepherd to enquire about a loan, but repayments would not be affordable on top of everyday expenses and paying back debt. Good Shepherd’s family violence economic harm support service was able to assist Jen by negotiating with her bank to wipe $7,500 of debt built up during her relationship.    

In their new flat, Jen and her daughter were sharing a bed. They were relieved to have a stable home but it was hard for the two of them to find space. Jen had recently had a surgery which made sleeping in the same bed more challenging. Good Shepherd sought help for Jen from a service that provides furniture for people setting themselves up after leaving abusive relationships. It was hoped they could provide a fold-out couch, but they weren’t able to help this time. The team member supporting Jen applied for a Good Shepherd grant to cover the cost of some furniture.  

With a $300 grant, Jen brought a second-hand kettle, reclining chair and fold-out couch. She and her daughter set up a flexible bedroom space in the lounge. Jen noted the flat now feels much more like a home. In an email, she says: 

“Moving into a new home can be overwhelming, but your help made it feel possible.” 

“It may seem like a small thing, but to us, it’s huge. Your kindness and generosity have brought us both comfort and a fresh start, and we’re so grateful.” 

*name has been changed for safety 

Manawa’s car unlocks a more confident life

My car gave me the freedom to connect to myself, my family and my community. 

I’m feeling confident about who I am and where I’m headed — and I’m passionate about helping others find their way too.

This is Manawa’s story, edited to keep her from being identified and to help you read. Quotes are Manawa’s own words. Names have been changed.

A couple of years ago, I was in a bad place. I broke up with my partner and lost custody of my kids. My mental health had taken a hit. I let my car go because I couldn’t keep up with the expenses. Without a car, I had to rely on buses or walk long distances just to get to school or visits with my children. I was doing good with what I could, but life felt like a journey full of challenges.

“I was kind of like losing my marbles…I was really educated in the last few years to understand life. No one tells you about life, you know. You’re figuring it out.”

The first time I applied for a Good Shepherd loan, I was turned down. My budget just didn’t work. At the time, I was paying a lot in rent each week, and I barely had enough money for other expenses.

About a year later, my situation had changed. I had fewer living expenses. I also needed a car more than ever. So I decided to try again. It took a lot of persistence on my end to get Good Shepherd to respond to my initial application, but I didn’t give up. To my surprise and relief, I was eventually approved for a loan to buy a car.

That car changed everything for me. It wasn’t just a vehicle — it was my ticket to freedom and stability. When I first got it, I was going through a rough patch with my living situation and ended up living in the car for a couple of weeks. I had chosen it carefully, making sure it had foldable seats so I could sleep in the back if needed. And it served that purpose well.

“Yeah, it’s just a car, but it was a safe place I could go. No one could kick me out, and I could take myself anywhere.”

With my car I moved to a little house near the beach, where I spent time healing and learning to live sustainably. I collected rainwater, used a generator and paid close attention to the rhythms of nature. Being by the ocean helped me calm my mind and process everything I’d been through. I used that time to reflect on my choices and figure out what kind of future I wanted to create.

“I had to go find myself, sort myself out and heal a bit from all my trauma. The car helped me on my healing.”

Over the past year, my life has transformed. My car has been an important tool for me to reclaim my life for the better, allowing me to get to school, visit my kids and travel into town for groceries and appointments. I now have 50/50 custody of my kids. I’ve moved to a rental closer to town. 

I’m nearly finished with a diploma in accounting. It’s something I am very passionate about, and I’m excelling in so many ways. I’ve just been offered an exciting internship to become an accounting technician. I know a good career will help ensure my kids don’t have to go through the same things I have been through. I’m proud of the progress I’ve made and the example I’m setting for my kids and others.

“From the low point, I am now passionate about teaching and inspiring others to learn and grow too.”

I’ve also been able to show up for my family and my community in ways I couldn’t before. I’ve traveled to tangi to support my family. I’ve been able to connect with my whakapapa and even contributed to research about my family history. 

I am feeling really positive about life these days, which is so different from a year ago. Having faith and belief in myself has made a world of difference. I love helping others to feel the same way. Looking back now, I can see that all the things I went through were meant to be. They’ve helped me find my path.

“Now I know who I am. I stay more confident and stronger in myself and what I want, rather than being the flock following the flock.”

The support I’ve received from Good Shepherd has been life-changing. I’m so grateful for the chance to rebuild and create a brighter future. Today, I’m learning to enjoy life rather than just endure it. That’s a gift I’ll never take for granted.