Defer some building work
If this is going to be required, it’s best to plan for it when lodging for building consent rather than just stopping when the money runs out.
Your building consent is for the work shown on the drawings and specification as submitted to council. This is the work you must complete within the stipulated time frame (normally two years), unless you are given an extension or apply for an alteration to the building consent, deleting any areas that won’t be completed.