Help you Become Debt Free

There’s “good” debt and there’s “bad” debt. Good debt is the sort of debt that helps to build wealth. Good debt usually involves real estate, but it also includes other types of assets that have traditionally gained value over time. Bad debt includes debt for items that traditionally lose value. Most bad debt is associated with consumer items—cars, clothes, furnishings, appliances etc.

“Buy now, pay later!”, “Zero interest for 12 months!”, “Increase your credit limit today!”, “No deposit necessary!”—consumers are overwhelmed with attractive offers which initially seem like a good idea. But it’s very easy to overspend when there are no instant consequences for taking on more debt. The situation can snowball—you stay on top of it for a while, but then the interest charges and late payment fees become unmanageable. You find yourself never getting ahead. That’s when you need help with debt relief.

Signs of needing debt relief.

It doesn’t matter what your income is—four figures, five figures, six or seven—if you’re consistently spending more than you earn, it means you’re using credit to make ends meet. In fact, most people who get into debt difficulty actually have good incomes.

Signs of needing debt relief include:

• You rely on your credit card to cover everyday expenses.
• You have a personal loan you can’t afford.
• You have overdue accounts and late bills.
• You have a loan from a pawn broker.
• You often overdraw your account.
• You max out your credit card.
• You can’t pay off your credit card in full at the end of each month.
• You never save.

MyBudget specialises in debt relief assistance.

MyBudget helps people take control of their finances by reducing their debt. In fact, thousands of MyBudget clients are now living free of bad debt because they sought our help with debt relief.

Managing your cash flow with a workable budget is the key to reducing your debt and controlling your spending. In fact, any other debt relief remedy (credit debt consolidation, mortgage refinancing, balance transfer to a lower interest loan) is just a Band-aid measure if it’s not accompanied by good budgeting.

Budgeting can be challenging—not only because it’s hard to trim expenses when you’re just making ends meet, but because it exposes how much money is slipping away.

Most MyBudget clients would tell you that budgeting isn’t very exciting, but the outcomes certainly are. How good would it feel to eliminate your debt once and for all, live stress-free and really start getting ahead?

Why is MyBudget’s approach to debt relief so successful?

It’s easy to put a budget together; the hard part is sticking to it. The success of MyBudget’s model is that we do the heavy lifting for you. In 2011 alone, we managed over 1.5 million payments to creditors and $250 million in salaries. We make sure your bills are paid on time, your debts are repaid, and that there’s enough money to cover your living expenses.

In other words, 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 instead of wondering where it went.

Debt relief starts with a free consultation. Our advice doesn’t cost you a thing.

We start by assessing your financial situation in detail at a free consultation. As well as analysing your income and expenses, we also examine and prioritise your debts. 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. Every single budget includes a savings plan, no matter what your income or level of debt.

A consultation with a MyBudget personal budgeting consultant is absolutely free. Even if you decide not to become a MyBudget client, the budget plan we prepare for you is yours to keep at no charge.

If you do become a MyBudget client, we can negotiate debt relief arrangements with your creditors on your behalf. Our vast experience in debt relief means that we have built relationships with many creditors and know exactly what sorts of arrangements are achievable.

Unlike companies that only sell loan products, MyBudget’s commitment is to find the right debt relief solution for every individual. Our recommendation will depend on you and your specific circumstances.

We try to avoid debt relief solutions which will have a negative impact on your credit file. In fact, only three percent of our clients will ever enter into a formal debt agreement. Thousands of MyBudget clients have paid their way out of debt without taking out new loans or further compromising their credit rating. The chances are good that you can, too.

MyBudget’s debt relief assistance turned Leah and Kerin’s financial future around. We can help you, too.

When Leah and Kerin joined MyBudget they were struggling with debt, unpaid bills and angry creditors. They were fighting about money and feeling like they would never get ahead. With MyBudget’s help they freed themselves of consumer debt and saved enough for their own home and two investment properties. When they talk about money these days, it’s positive and exciting.

Debt relief is one phone call away.

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.