Help with Money Crisis Management

Thousands of people approach MyBudget every year with money management issues. Their specific circumstances differ, but many of the underlying concerns are the same. Sudden life changes can wreak havoc on a person's finances. For example, a relationship breakdown, job loss, income reduction, illness or a new baby can send the most organised finances awry. Something as essential as an emergency trip to the vet or car mechanic can tip a person's finances into panic mode.

Choose a money management solution for your crisis that really works.

The natural impulse when a person gets into a money management crisis is to keep the problem a secret and try to solve it on their own. Many people will try to make ends meet by seeking a pay day loan, pawning their possessions or using their credit card. These are quick fixes, but they can actually worsen the situation because they attract high interest rates. Other people may try to fix their shortfall by borrowing from friends and family. This strategy can be fraught with its own challenges.

But you don't have to go it alone. MyBudget provides caring, understanding and confidential money management advice for free.

Acting fast is the key to solving your money management crisis.

Unfortunately, ignoring your money problems won't make them go away. In fact, the longer you leave a money management crisis untreated, the greater the sacrifices you will need to make to get things back on track because fewer options will be available to you.

The key to resolving a money management crisis is to act swiftly. As they say, “time is money!�

MyBudget's specialises in solving money management problems, huge and small.

MyBudget has helped tens of thousands of Australians get on top of their finances through better money management. One of the keys to our success is that we are often able to eliminate our clients' stress and improve their financial situation without getting them into further debt.

We start by assessing your financial situation in detail at a free consultation. As well as analysing your income, debt and expenses, we also closely examine the underlying causes of your money management crisis. We then develop a complete working budget for you. It represents an immediate and long-term financial plan which is based on your goals and your specific situation.

There's no charge for this service. Even if you decide not to become a MyBudget client, the budget plan we prepare for you is yours to keep for free.

Why is MyBudget's money management approach so successful?

People tell us all the time, “I've tried making a budget, but it never seems to work.� That's because making a budget is the easy part—sticking to it is what's hard.

Our clients experience incredible levels of success because MyBudget does the heavy lifting for them. In 2011 we managed over 1.5 million payments and $250 million in salaries on our clients' behalf. We manage our clients' money for them by ensuring that their bills are paid on time, creditors are taken care of, savings are deposited and, most importantly, that they have enough money to meet their living expenses.

MyBudget can also communicate with your creditors on your behalf and negotiate realistic payment plans with them—repayments based on what you can afford. Our vast experience in debt negotiation means that we know what sorts of terms are achievable. In many instances, we can negotiate for interest rate and repayment reductions or even arrange for payments to cease for a period of time while you get back on track.

When you become a MyBudget client, you don't lose control of your money, you take control of it. You know exactly where your money is going and that your bills will be paid on time.

MyBudget's money management approach is also very flexible. Your budget is designed to change as your life changes. The idea is not only to solve your immediate money management crisis, but to avoid a crisis from recurring in the future.

You still have money in your pocket to cover your living and lifestyle expenses—a weekly amount that you decide on with your personal budgeting consultant. You can request extra money as needed, you'll always know how much surplus you have in your budget and you can contact MyBudget with questions at any time. Our staff members are sympathetic, understanding and experts at what they do.

As MyBudget works away in the background, you learn valuable money management skills that ultimately become lifelong habits. Many of our clients observe that through MyBudget they learnt to understand the value of money, to control their spending, stop living on credit, set and achieve savings goals, and finally live free of financial stress and worry.

MyBudget helped Sean and Lynda develop better money management skills. We can help you, too.

MyBudget changed Sean and Linda's lives forever by helping them take control of their finances. Having paid down their debts, the couple are now excited to watching their savings growing.

Take control of your money management crisis today. MyBudget's advice is independent and free.

A free consultation with MyBudget is an opportunity to gain deep insights into your financial situation and all of your options. Even if you decide not to become a MyBudget client, the budget plan we prepare for you is yours to keep at no charge.

Change doesn't have to be difficult. The first step is always the hardest, but in this case it's as simple as making a phone call. Take the step today to get out of debt and start saving. It'll be the best decision you've ever made.