Budgeting for FIFO workers

Make your money work for you with a tailored budget plan

FIFO life comes with unique financial opportunities and challenges. With your income fluctuating between on-site work and time off, it’s crucial to have a clear strategy to make the most of your earnings. MyBudget can help you with:

Gaining greater control of your money
Providing savings and investment strategies
Reducing debts
Building money habits based on your lifestyle.

Live life free from money worries

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For over 25 years, MyBudget has helped 130,000+ Australians fast track their financial goals by reducing their debt and building savings.

For over 25 years, MyBudget has helped 130,000+ Australians reduce debt and grow savings.

On average, families save $3,500 for holidays each year with MyBudget.

Bring financial balance to your life…

Plan ahead

When you budget with us, all of your income and expenses are planned 12 months in advance to show you exactly how to start saving and how your money is tracking.

Build a budget

We help you build a budget that supports your lifestyle. Date nights, holidays, house deposit and more are all part of budgeting for the life you want.

Automated money management

Our money experts do all the work to keep your budget on track. Freeing up your time so you can stop worrying and start living.

Create a safety net

Every budget we design puts aside money to prepare for the unexpected. Enjoy peace of mind with savings and flexibility built into your budget.

Build a savings plan

A savings plan is not complete without a spending plan. We’ll help you create a budget that frees up cash and adds more money in your pocket to enjoy life.

You don’t have to do it alone

We’re with you every step of the way. We care about achieving your financial goals as much as you do, which is why a money expert is only ever a phone call away.

Our services

MyBudget is committed to empowering you to live your best life, free from financial stress.

Together, we’ll design a tailored budget plan that makes your money go further.

We’ll help you understand how to budget effectively
Create short and long-term savings plans you can stick to
Build emergency savings to prepare you for the unexpected
Let us take away your money worries and do the heavy lifting for you.

Bec & Jarrad | Clients since 2016

We’ll help design a tailored plan that provides you debt relief.

Implement practical ways to pay off your debt
Rebuild your credit rating by paying your bills on time
We’ll do the heavy lifting by talking with your creditors so you don’t have to
We do the work that keeps your repayments on track
Let us take away your money worries and gain peace of mind.

Megan & Creagh | Clients since 2018

Imagine total financial freedom – got it? Now let’s get you there.

Get a tailored budget plan that helps you achieve your financial goals
Get out of debt and start saving
Have peace on mind knowing your bills are paid on time
We do all the heavy lifting so you can focus on living.

*Obligation free. No lock in contracts.

Leah | MyBudget team member

Personal budgeting

Together, we’ll design a tailored budget plan that makes your money go further.

We’ll help you understand how to budget effectively
Create short and long-term savings plans you can stick to
Build emergency savings to prepare you for the unexpected
Let us take away your money worries and do the heavy lifting for you.

Debt solutions

We’ll help design a tailored plan that provides you debt relief.

Implement practical ways to pay off your debt
Rebuild your credit rating by paying your bills on time
We’ll do the heavy lifting by talking with your creditors so you don’t have to
We do the work that keeps your repayments on track
Let us take away your money worries and gain peace of mind.

Total visibility & support

Imagine total financial freedom – got it? Now let’s get you there.

Get a tailored budget plan that helps you achieve your financial goals
Get out of debt and start saving
Have peace on mind knowing your bills are paid on time
We do all the heavy lifting so you can focus on living.

*Obligation free. No lock in contracts.

Don't just take our word for it

MyBudget has been featured in leading Australian media and trusted publications.

Managing my money well so I don’t miss payments. Messages are replied to in a timely manner. The app helps me keep an eye on the budget at a glance and is easy to understand. I can save and any surplus I can also use towards renovations or unforeseen events comes in handy. It’s basically like set & forget & having my own accountant.

SonyaMyBudget client

We have been using MyBudget for a number of years and it has unlocked thousands of dollars of our wages that we were just flittering away. The simple and easy to use online interface allows me to add and update bill amounts and timings. I never have to worry about having enough money when it comes time to pay a bill, MyBudget takes care of all of that. The decision to go with MyBudget was life changing.

DaveMyBudget client

Going through My Budget is the best thing we ever did, we are ahead of ourselves and are even saving. We have so much less stress it’s unbelievable. The staff are always great to deal with.

HamiltonMyBudget client

Budgeting for FIFO workers FAQs

How can MyBudget help FIFO workers manage their income and expenses?

MyBudget understands the unique challenges faced by FIFO workers, such as irregular income and long periods away from home. We create a customised budget to ensure steady cash flow, covering both work-related and home expenses while helping you save.

Will MyBudget help me build an emergency fund while working FIFO?

Absolutely. Our team works with you to establish an emergency fund as a safety net, which is especially important for FIFO workers who may face sudden job changes or extended time between contracts.

Does MyBudget offer strategies to manage high-income periods effectively?

Yes, MyBudget helps you make the most of high-income periods by creating a structured plan that ensures your money lasts between fluctuating income. This approach makes it easier to manage finances when you’re on or off rotation.

How can MyBudget help FIFO workers reduce financial stress?

We provide a personalised budget plan that adapts to your lifestyle. This plan gives you full visibility of your finances and helps you plan for the future, MyBudget reduces the financial stress that comes with irregular income.

Is MyBudget suitable for managing debts and loans specific to FIFO work?

Yes. MyBudget can help you develop a debt repayment plan tailored to your FIFO income cycle, ensuring debts are managed responsibly without impacting your quality of life.

Can MyBudget help me save for retirement or long-term goals despite the ups and downs of FIFO work?

Absolutely. We assist with setting up a long-term savings strategy, including retirement planning, that works within the framework of your FIFO schedule and income structure, helping you build a secure future.

Will I be able to track my finances remotely with MyBudget?

Yes, the MyBudget app lets you track your finances in real-time, even when you’re on rotation. This includes monitoring savings, expenses, and any upcoming bills, giving you full control over your finances wherever you are.

Can MyBudget help me balance saving and spending for FIFO lifestyle goals, like holidays?

Yes, we’ll work with you to balance short-term goals, like holidays or travel, with longer-term financial planning. This way, you can enjoy the benefits of FIFO income while building financial security.

How does MyBudget differ from regular budgeting tools for FIFO workers?

MyBudget combines an expert money coach with budgeting tools designed to give you full visibility of your finances. Our team is here to support you with expert advice that adapts to the unique needs of FIFO work.

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Live your life free from money worries