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Delivered on behalf of Te Puni Kōkiri and the Commission for Financial Capability, the Sorted Kāinga Ora (SKO) is a practical programme helping to equip whānau Māori with the tools to plan and get ready for home ownership.
The SKO programme will be delivered online via zoom and consists of the following eight core modules:
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Modules |
Overview |
| 1. Kupu Arataki ki te Nōhanga Whare – Induction Pathway to Housing
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This module will give whanau an overview of the programme detailing what we will cover, how it relates to the housing continuum and getting a home loan. We will also explore housing strategies such as shared ownership & rent to buy opportunities offered by Community Housing Providers. Building on Papakāinga will also be introduced. |
| 2. He Tikanga Whakapau - Spending Beliefs
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During this module, participants will discuss their beliefs and behaviours towards money and how it relates to their spending habits. Reviewing bank statements and using a spending diary, participants will gain a better understanding of where their money is going and changes needed to achieve home ownership. Participants will understand how money decisions and home ownership impacts their ability to create intergenerational wealth & wellbeing.
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| 3. He Mahere Pūtea - Money Plans
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This module focuses on the review of a fictitious budget and the use of an exercise to help participants look at their own budgets and spending diaries in order to “Set up a money system that works”. We will introduce the Sorted budgeting tool to help develop a whanau budget and identify areas where improvements can be made.
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| 4. Ngā Pūnaha Whakahīkaka me Moni - Motivations & Money Systems
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In this module, participants will engage in the powerful activity of SMART goal setting. We will also look at setting up our Money System to help automate our goals and money plan. Participants will also discover the secret of compounding interest and how it relates to saving and managing debt including a home loan.
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| 5. Te Moni Tārewa me Ōu Mōtika - Debt and Your Rights
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Participants will learn about debt and their rights including managing a home loan. Participants will learn about the true cost of debt, what to look for in a credit contract, their rights as consumers and ways to prioritise debts. We will develop ideas that will help manage current debt. |
| 6. He Āwhina - Save Smart |
Participants will learn about their savings, different types of investments and KiwiSaver. They will also learn about managed funds and how to get the most out of their KiwiSaver to plan for home ownership. Government assistance towards home ownership will also be discussed.
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| 7. Mate Kāinga Tahi, Ora Kāinga Rua - Plan For The Unexpected |
In this module, participants will consider planning for the unexpected by looking at emergency funds and the insurance options available to us. Participants will also look at the importance of having a Will and to consider a Power of Attorney.
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| 8. Hei Whainga - Looking Ahead |
In this module, we will celebrate what we have achieved and look ahead to home ownership. In this final module we bring it all together and piece together your plan for home ownership. We will also introduce participants to relevant people who can help you with the next stage of your home ownership journey. |
SKO Entry Criteria
Pre-Enrolment Guidelines
Places are limited to 12 registrations so it is important that a potential participant must:
Costs
There are NO costs involved in participating in SKO nor are there any costs for the resource books you will be receiving.
SKO Delivery
The SKO programme is delivered over an 8 week period online via zoom. There will be two online workshops held on a weekly basis covering each module. Each online workshop is 1.5 hours long. Facilitation support is provided throughout the 8 week period where participants will be followed up to assist with their understanding of the learnings at the workshops and to assist with the development of their home ownership plan. Graduation will occur in the final workshop with the presentation of certificates for those who complete the course. Ongoing mentoring support will be provided upon completion to help you achieve your home ownership goals. We invite guest speakers along to our workshops that will help you with your home ownership journey.