Financial advice for debt management

Want to get out of debt and start saving? Financial advice, clarity and control has never been easier with MyBudget.
  • Personalised debt management plans tailored to your needs
  • Proven strategies to reduce repayments and achieve financial control
  • Ongoing support and guidance every step of the way.

Live your life free from money worries

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

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.

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 financial 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.
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Why choose MyBudget over a

financial advisor?

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.

  • Debt consolidation: Combine multiple debts into one, simplified payment
  • Creditor negotiation: Let us work with your creditors to reduce your payments so you don’t have to
  • Personalised budget plan: We tailor a budget plan to suit your financial position.
A quick obligation free 10-minute call is all it takes to kickstart your journey to achieving your goals.
Enquire today
debt consolidation
Leah | MyBudget team member
4 debt busting strategies

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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Tammy Barton | Founder and Director

The MyBudget difference

For over 25 years, MyBudget has helped 130,000 Australians live their best lives, free from financial stress. We can help you too.
  • We start by getting a full understanding of your finances
  • Next, we explore all your options for debt relief — including consolidation, payment negotiation, and budgeting — to find the best solution for you
  • You’ll receive a FREE customised budget and debt plan, showing exactly how long it will take to get out of debt and improve your financial situation
  • We take the stress off your shoulders by negotiating with creditors on your behalf, ensuring more affordable payment terms and peace of mind.
A quick 10-minute call is all it takes to explore how our financial advice and plan can kickstart your journey to financial stability.

Hear from our clients

Michelle & Phil’s success story: From $40K debt to financial freedom and big life goals

Michelle and Phil had good incomes, but managing multiple debts left them feeling trapped. They dreamed of financial freedom, a beautiful home, and the ability to support their family when it mattered most. Partnering with MyBudget gave them clarity, structure, and a tailored budget plan to take control of their finances.

How has a personal budget helped Michelle & Phil?

Over the years, they’ve achieved incredible milestones, including:
  • Paid off $40,000 in debt and stayed debt-free
  • Renovated their dream kitchen and their entire home
  • Saved $30,000 to fund their next big project
  • Took two dream holidays including cruises and a European adventure
  • Built financial security to support their children through life’s unexpected moments
With their financial goals in sight and money stress behind them, Michelle and Phil are now living the life they always dreamed of.
Read more...
Get started
4 debt busting strategies

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

Our services

MyBudget is dedicated to helping people live their best lives, free from debt stress and money worries
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.
debt solutions

Megan & Creagh | Clients since 2018

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.
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Bec & Jarrad | Clients since 2016

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.
debt consolidation

Leah | MyBudget team member

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.

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.

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.

Alyssa & Pete conquered financial stress

“It’s a great feeling to know when you get out of bed in the morning, that you’re actually going to achieve something,” says Pete “In just three years, we’ve paid off nearly all of our debt,” adds Alyssa.
“We figured the harder we worked the better we would be. But we didn’t have any oversight or control of what was going on with our finances…We didn’t know where to start. And that changed when we spoke to MyBudget.”

“The money that we earn is our money now. And we can put that money that we were paying off credit cards and loans to something more interesting like holidays and things for the family…”

Alyssa & PeteClients since 2017
If you’re unsure where to begin, just like Alyssa and Pete once were, we’re here to help. Speak to one of our financial experts and start your journey toward financial freedom today.
Enquire today

Don’t just take our word for it

We’re often featured in many trusted sources

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

Debt & Finance FAQs

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.

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.

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 home ownership, holidays, or emergency funds, based on a realistic budget plan.

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

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