After years of overspending and balance transfers, MyBudget’s tailored debt relief solutions helped Megan and Creagh pay off $91,000 in debt and map out their income and expenses for 12 months.
They received:
$91000
Paid off
$2000000+
Saved for clients in interest & fees in 2025
MyBudget offers a range of debt solutions, including debt negotiation, payment plans, budgeting help for reducing credit card debt, support with debt consolidation, Part IX Debt Agreements, Part X Debt Agreements and Bankruptcy if necessary. Our Money Coaches help you understand your options, communicate with creditors, reduce fees where possible and build a clear financial plan to get you back on track.
When you join MyBudget, we ask your creditors to contact us on your behalf. Because of this, many clients experience fewer debt collector calls. We work with you to create a realistic repayment plan, organise overdue bills and show creditors your debts are being actively managed. While some contact may still occur, having MyBudget involved often provides reassurance and helps reduce stress and regain control.
Debt consolidation means combining multiple debts into a single loan or repayment arrangement. This can include credit cards, personal loans, buy now pay later accounts, or consolidating debts by refinancing a mortgage. Instead of juggling multiple repayments, you make one regular payment, which can simplify your budget, reduce fees and support a clear debt management plan. MyBudget helps you understand whether debt consolidation is suitable for your situation and how it fits into your overall budgeting and debt relief strategy.
MyBudget is a budgeting, debt solutions and money management service, not a licensed financial adviser. We specialise in personal budgeting, debt help, cash flow management and savings plans to reduce money stress and help you work toward your goals. We do not recommend specific financial products or investments. If you need investment or specialised financial planning advice, we may suggest speaking with a licensed financial adviser while we support you with a strong personal budget and debt management plan.
If your expenses are currently higher than your income, MyBudget can help you stabilise your finances and reduce pressure. We review your entire situation, help you prioritise essential expenses, and explore debt management or debt relief options where needed. With a structured personal budget and expert guidance, we can help you regain control and work toward your financial goals one step at a time.
If an emergency or unexpected bill appears, simply contact MyBudget by phone, through our app or via your online client portal. Your Money Coach will review your budget, look at your upcoming bills and savings, and help adjust your plan so the new expense can be covered where possible. This might include reshuffling payments, using part of your savings, or updating your money saving plan. Our aim is to reduce your stress and help you manage surprises without losing sight of your longer term financial goals.
MyBudget has been featured in leading Australian media and trusted publications.
