Financial advice for debt management

Get expert financial advice to manage debt, consolidate repayments and plan ahead.

Need to get out of debt and start saving? At MyBudget, we specialise in personalised debt management plans that include:

  • Building savings while paying off debt faster
  • Negotiating with creditors and consolidating debt
  • Ongoing support and guidance every step of the way.

Live life free from money worries

  • Initial 10 min chat
  • Private & confidential
  • Obligation-free
Select a callback time

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

The majority of MyBudget clients get the debt help they need to pay off 90% of their unsecured debt in just over 3 years.

How we can help reduce money stress

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The right debt solutions

We put a debt solutions plan in place based on your needs. We’ll then build a budget that can help you achieve this without compromising your lifestyle.

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Talk to creditors on your behalf

We stop the unwanted phone calls from debt collectors and arrange the best solutions for you, taking away the stress.

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Pay your way out of debt

Through budgeting, you may be able to pay your way out of debt without needing new loans or credit cards.
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Improve credit score

We can help improve your credit score with a budget plan that keeps you on track with your credit and loan payments. On-time payments are a key step in improving your credit score.
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Build emergency savings

We can help you create savings, while eliminating debt, to protect against the unexpected.
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Have peace of mind

Reducing debt stress will allow you to spend more time on the important things in life.

Why choose MyBudget over a financial advisor?

Many financial advisors provide general financial guidance. MyBudget goes further, we focus on practical financial planning for debt management. Our team works with you to create a customised debt solution that fits your lifestyle and goals.

  • Debt consolidation: Combine multiple debts into one manageable repayment
  • Creditor negotiation: We talk to creditors on your behalf to reduce money stress
  • Expert financial guidance: Ongoing support to ensure your plan keeps you on track.
A quick obligation free 10-minute call is all it takes to kickstart your journey to achieving your goals.
Enquire today
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Leah | MyBudget team member
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Tammy Barton | Founder and Director

The MyBudget difference

For over 25 years, MyByBudget has helped more than 130,000 Australians live life free from money stress. We can help you too.

  • Create a clear debt management plan without taking on new loans
  • We negotiate with creditors to lower repayments
  • Forecast bills or future goals while still paying off debt
  • Improve your credit score through on-time repayments
  • Build emergency savings while reducing money stress.
A quick 10-minute call is all it takes to explore how our financial guidance and debt management plans can kickstart your journey to financial stability.

Michelle & Phil paid off $40,000 with MyBudget’s expert support

Michelle and Phil wanted to pay down their credit card debt, reduce money stress, and start saving for the future, but juggling bills and expenses kept them stuck.

With MyBudget, they gained:

  • A tailored debt relief plan to pay off debt faster
  • Automated bill payments to reduce money stress
  • Expert guidance and support to keep them motivated and accountable.
In just 12 months they:
  • Paid off $40,000 in debt
  • Started saving for future goals
  • Regained control over their money.
Now, they’re debt-free, financially confident, and ready to focus on building the future they want.
Enquire today

Debt relief solutions that helped Megan & Creagh pay off $60,000 in 10 months

Megan and Creagh were $91,000 in credit card debt. Everyday overspending, combined with multiple interest-free balance transfers, left them stuck with high-interest balances and no clear plan to get out of debt.

With MyBudget’s debt management solutions, they gained:

  • A tailored financial advisor debt repayment plan to pay off debt faster and map out their income and expenses
  • Automated payments to cover all bills and debts on time
  • Debt management strategies to minimise interest and show them how to budget better.
In just 10 months they:
  • Paid off $60,000 and cleared five credit cards
  • Reduced money stress with expert financial advisor support
  • Stayed on track to reach their goals.

Now, Megan and Creagh have proven that with the right MyBudget financial advisor to help with debt, you can pay off debt faster, budget better, and still enjoy life, all while working towards big goals like a house deposit.

Enquire today
Don't just take our word for it
MyBudget has been featured in leading Australian media and trusted publications.
We have paid off debts, created savings and purchased a home. We have also had numerous great holidays and a quality of life that wouldn’t have happened without the MyBudget forward planning budget.

AliMyBudget client
We were in some serious debt and getting nowhere fast. We tried doing our own budgets but failed every time, so after doing a lot of research we decided to pick up the phone and give MyBudget a call. They took our goals both short-term and long-term into account, and helped us set up a realistic savings goal and a plan to manage debt. We sat down on a video call and went over everything in fine detail and a budget was created that was fair and manageable.

DaleMyBudget client since 2023
MyBudget has got us into good financial ground in a relatively short time and allowed us to live a better lifestyle. With a great budget plan in place, it has taught us better spending habits and has shown us our potential to manage our money to work for us.

LeeMyBudget client since 2023

FAQs: Financial advisor and debt management

How does MyBudget help with debt management?

MyBudget provides tailored debt management plans to help you gain control over your finances. Our service includes a custom budget plan that suits your lifestyle with ongoing support to reduce debt, ease financial stress and help you achieve your financial goals.

What debt services and solutions does MyBudget offer?

For those needing help with debt relief, we can look to see if we can speak with your creditors, negotiate payments and develop a tailored debt strategy. This may include debt consolidation, mortgage refinancing, a Part IX Debt Agreement, bankruptcy or affordably paying your way out of debt.

Why choose MyBudget over other financial support options?

While financial advisors offer general financial guidance, MyBudget specialises in personal finance solutions focused specifically on budgeting and debt management. Our expert team will work with you to develop a clear and structured plan to get you out of debt faster and start saving.

We do hold an Australian Financial Services Licence (AFSL) and Australian Credit Licence (ACL), we are not financial advisors and offer general financial advice only. For personal financial advice or financial product recommendations, we recommend you seek the services of a licensed financial advisor.

Can MyBudget assist me in improving my financial situation even if I’m in a lot of debt?

Yes. MyBudget specialises in helping people with various levels of debt. We’ll work closely with you to create a customised plan aimed at reducing debt, managing expenses, and building savings, no matter your financial starting point.

Will I lose control of my finances if I work with MyBudget?

No. You stay in control at every step. MyBudget provides the guidance, tools, and support to help you make informed decisions, but you’re always the one in charge of your financial journey.

What kind of support does MyBudget offer?

Our support includes personalised budgeting, debt repayment strategies, and financial coaching to help you manage cash flow. We provide ongoing assistance and adjustments to keep you on track toward your goals.

How much does it cost to use MyBudget’s debt management services?

Everyone’s financial situation and goals are different. That’s why our solutions are tailor-made for every client and our fees are based on the complexity and level of support you require with no lock-in contract.

Do I need a certain income level to work with MyBudget?

No. We help people across a range of financial situations. Whether you’re looking to reduce debt or save more, our services are designed to make financial management accessible to everyone.

How often will I work with MyBudget?

Our team provides flexible support to fit your needs. We’re available for regular check-ins and updates to ensure your plan remains effective and aligned with any changes in your financial circumstances.

You have access to our app which tracks all of your money securely in one place with 24/7 visibility.

Can MyBudget’s services help me save for future goals?

Absolutely. In addition to debt management, we help clients build sustainable savings habits to work towards future goals like owning a home, holidays, or emergency funds, based on a realistic budget plan.

Can’t find what you’re looking for? More FAQs.

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Live your life free from money worries

  • Initial 10 min chat
  • Private & confidential
  • Obligation-free

Your MyBudget journey begins with an initial obligation-free conversation with one of our money experts. They will chat to you about your financial position and gain an understanding of the financial goals you want to achieve.

Select a callback time

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