Find yourselves some volunteers

If "charitable" organisations were truly voluntary they wouldn't be bemoaning the necessity of laying off staff due to government funding cuts.

Five out of eight staff at the Mangere Budgeting Service will lose their jobs at the end of this month because of a funding cut.

The 'cut' was the cessation of temporary funding by the way.

I worked for a charitable organisation for a few years. Some of the volunteers went on budgeting courses and were able to offer that service to the 'client'. All they were ever paid was petrol money to make the home visits.

"We have staff wanting security of jobs. We simply can't offer it."

What you need then is staff with a different motivation. People who have an existing source of income. Perhaps more superannuitants - a growing pool of able and time-rich people. That's your answer.