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How to break the cycle and save money](https://www.mybudget.com.au/moneyhub/articles/money-management/why-am-i-always-broke/): Wondering why you’re always broke? Discover spending habits, money traps, and budgeting tips that help Australians stop living pay to... - [School holiday survival guide: budget-friendly ideas for winter](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/winter-school-holiday-survival-guide/): Looking for affordable school holiday activities this winter? With a little planning, you can keep the kids entertained without blowing... - [Tammy Barton recognised by The Advertiser as one of Australia's Top 100 Female Founders](https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-top-100-founders-ceos-2026/): Tammy Barton recognised among Australia’s Top 100 Female Founders & CEOs We’re incredibly proud to share that MyBudget Founder &... - [What are the 25 Best side hustles in 2026](https://www.mybudget.com.au/moneyhub/articles/savings-tips/best-side-hustles/): What are the best side hustles in Australia? The best side hustles in Australia are flexible ways to earn extra... - [How to save electricity this winter and reduce your energy bill](https://www.mybudget.com.au/moneyhub/articles/savings-tips/save-electricity-reduce-energy-bill/): MyBudget clients Pete and Alyssa no longer worry about the cost of living crisis. With a personalised cost of living... - [Don't wait for your tax refund: 5 money moves to reset your finances today](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/money-moves-financial-reset/): Every year around June and July, Australians are bombarded with the same seasonal advice: organise your receipts, maximise your deductions,... - [What is debt consolidation (and is it right for you?)](https://www.mybudget.com.au/moneyhub/articles/debt-help/debt-consolidation-is-it-right-for-you/): Debt consolidation is a way to combine multiple debts into one loan, but whether it is the right choice depends... - [Considering a Part 9 debt agreement? Explore all your options first](https://www.mybudget.com.au/moneyhub/articles/debt-help/considering-a-part-9-debt-agreement/): If you have started searching for a Part 9 debt agreement (also known as a Part IX debt agreement), chances... - [Small business EOFY checklist: what to do before tax time](https://www.mybudget.com.au/moneyhub/articles/tax/small-business-eofy-checklist/): A practical small business EOFY checklist for Australian business owners covering what to review before tax time, from record keeping... - [What work-related expenses can I claim on my 2026 tax return?](https://www.mybudget.com.au/moneyhub/articles/tax/work-related-tax-deductions/): If you need a quick, practical guide to work-related tax deductions without needing an accounting degree, this covers what employees... - [Tammy Barton featured in Westpac’s Backing Business magazine](https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-westpac-backing-business-magazine-2026/): Tammy Barton featured in Westpac’s Backing Business magazine (2026) Tammy Barton, Founder & Director of MyBudget, has been featured in... - [What can I claim on my tax return in Australia? | A 2026 guide](https://www.mybudget.com.au/moneyhub/articles/tax/what-can-i-claim-on-my-tax-return-in-australia-guide/): Wondering what you can legally claim on your 2026 Australian tax return? This guide explains tax deductions, ATO rules, receipts,... - [Are balance transfer credit cards worth it in Australia, or just a short-term fix?](https://www.mybudget.com.au/moneyhub/articles/credit-card/credit-card-balance-transfers/): A lower interest rate can reduce the pressure. It won’t always solve the problem. If you’re searching for a balance... - [How much money should you have left after bills? Understanding your "available" balance](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/available-balance-how-much-can-you-spend/): Your bank balance might not be telling you the full story. Not in a dramatic, scammy way... but in an... - [Federal Budget 2026: what it means for your household](https://www.mybudget.com.au/moneyhub/articles/in-the-media/federal-budget-2026-household-budget/): Tuesday’s Federal Budget promised Australians more cost-of-living relief, but many households are still wondering whether anything will actually feel easier.... - [How to manage money with ADHD: budgeting for the neurodivergent](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/adhd-money-management-whats-your-money-type/): ADHD can make budgeting and money management harder due to impulsive spending, forgetfulness and financial overwhelm. This guide explains practical... - [Tammy Barton shares insights on mortgage stress in Victoria](https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-mortgage-stress-victoria-may-2026/): Tammy Barton featured on realestate. com. au and news. com. au (May 2026) With mortgage stress continuing to rise across... - [Cost of living in Australia: how to get ahead when everything keeps rising](https://www.mybudget.com.au/moneyhub/articles/money-management/cost-of-living-australia-how-to-get-ahead/): MyBudget clients Pete and Alyssa no longer worry about the cost of living crisis. With a personalised cost of living... - [Why AI budgeting doesn't work in real-life](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/ai-budgeting-vs-human-support/): AI can help you start a budget, but it can’t adapt to real-life changes, understand human behaviour, or provide the... - [Tammy Barton on AI budgeting in The Australian](https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-on-ai-budgeting-the-australian/): Tammy Barton featured in The Australian March 2026 As more Australians turn to AI tools to manage their money, Tammy... - [How to stop waiting for payday: get financially fit](https://www.mybudget.com.au/moneyhub/articles/money-management/stop-waiting-for-payday/): If you’re constantly waiting for payday, it often means your money doesn’t have a clear plan yet. To stop living... - [How much emergency fund should you have? And how to build it](https://www.mybudget.com.au/moneyhub/articles/savings-tips/saving-for-an-emergency-fund/): Life is unpredictable, and emergencies can happen at any time. If you have ever felt like you are one unexpected... - [Top 25 Mother’s Day gift ideas for every budget in 2026](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/25-mothers-day-gift-ideas-for-every-budget/): Discover 25 thoughtful Mother’s Day gift ideas on a budget, with affordable options that make Mum feel special without overspending.... - [How to save for a holiday in 2026 (and 15 tips to actually make it happen)](https://www.mybudget.com.au/moneyhub/articles/savings-tips/saving-for-a-holiday/): Your step-by-step guide to planning, budgeting and actually hitting your holiday savings goal. Saving for a holiday sounds simple... until... - [Which debt solution is right for you in Australia?](https://www.mybudget.com.au/moneyhub/articles/debt-help/which-debt-solution-is-right-for-you/): The right debt solution depends on how serious your financial situation is. If you can still cover your bills, a... - [How do I stop spending money and build better money habits?](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/how-do-i-stop-spending-money/): 🎧 Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical strategies to stop overspending, build... - [How to get out of debt with a budget: Valerie’s story](https://www.mybudget.com.au/moneyhub/articles/success-stories/success-stories-valerie-getting-out-of-debt/): Many Australians are dealing with financial stress, rising living expenses and the feeling of drowning in debt. If you’re struggling... - [Tammy Barton shares saving money tips amid rising cost of living](https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-courier-mail-saving-money-apr-26/): Tammy Barton featured in The Courier Mail April 2026 With rising living costs across Australia, practical money management advice has... - [Bankruptcy in Australia: everything you need to know before you decide](https://www.mybudget.com.au/moneyhub/articles/debt-help/bankruptcy-in-australia-how-does-it-work/): If you’re here, there’s a good chance things feel overwhelming. Maybe the bills are piling up, creditors are calling, and... - [How much should you budget for a pet?](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/how-much-should-you-budget-for-a-pet/): According to the latest Animal Medicines Australia 2025 report, Aussies are spending: Around $2,520 per year (~$48/week) on a dog... - [School holiday activities: 15 free and cheap ideas for kids this autumn](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/school-holiday-survival-guide-budget-friendly-ideas-for-autumn-adventures/): Packed with budget-friendly hacks and autumn-ready school holiday activities, this guide will help Aussie parents embrace the chaos of the... - [Finding the best fuel prices near you](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/find-best-fuel-price/): If you’re feeling the pinch every time you fill up the car, you’re not alone. At MyBudget, we hear this... - [Access pay early apps: how to avoid getting trapped in a cycle of debt](https://www.mybudget.com.au/moneyhub/articles/debt-help/access-pay-early-apps-how-to-avoid-getting-trapped-in-a-cycle-of-debt/): Millions of Australians are turning to on-demand pay apps to access wages early, often searching for ways to get paid... - [How financial hardship affects your credit score](https://www.mybudget.com.au/moneyhub/articles/debt-help/financial-hardship-and-your-credit-score/): Discover how financial hardship impacts your credit score and learn practical steps to rebuild it. MyBudget’s experts can help you... - [How to save on household bills: 7 ways Australians cut costs fast](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/save-household-bills/): If you’re wondering how to save on bills, the fastest way is to review your biggest expenses, switch providers and... - [Start where you are: how everyday Australians can build generational wealth](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/how-to-build-generational-wealth/): Generational wealth is the process of building assets, such as property, superannuation, investments and savings, that can be passed down... - [What to do when you can't pay your bills: strategies to take control](https://www.mybudget.com.au/moneyhub/articles/debt-help/what-to-do-when-you-cant-pay-your-bills/): Struggling to manage overdue bills? Rising costs and interest rate hikes can feel overwhelming, but taking proactive steps to protect... - [What is saving and why is it important for financial security in Australia?](https://www.mybudget.com.au/moneyhub/articles/savings-tips/what-is-saving/): Saving is the foundation of financial security. It is how you prepare for emergencies, plan for long-term goals, reduce financial... - [How to set up a budget](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/how-to-set-up-a-budget/): Want to learn how to set up a budget or start a budget plan that actually works? This step‑by‑step guide... - [Personal budgeting 101: money management and financial goals](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/personal-budgeting-101/): Personal budgeting helps Australians manage income, expenses, savings and debt in a clear, structured way, so bills are covered, financial... - [Subscription creep explained: how to find, cancel and manage your subscriptions](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/stop-subscription-creep/): What is your Netflix subscription really costing you? Are paid TV and streaming services like Binge, Disney+, Stan, Kayo or... - [Planning for school fees: how to afford public or private schooling](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/budgeting-for-school-fees-in-australia/): This guide explains how parents in Australia can budget for school fees using practical budget planning, a personal budget and... - [Does Afterpay and Buy Now Pay Later affect your credit score?](https://www.mybudget.com.au/moneyhub/articles/debt-help/does-afterpay-and-buy-now-pay-later-affect-your-credit-score/): Buy Now Pay Later (BNPL) services in Australia like Afterpay, Klarna, Zip and PayPal Pay in 4 offer interest‑free instalments,... - [School holiday survival guide: budget-friendly ideas for summer in Australia](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/summer-school-holiday-guide-australia/): Packed with budget-friendly tips and fun activity ideas, this guide will help Aussie parents tackle the chaos of summer school... - [Back-to-school budget tips for Aussie parents](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/back-to-school-budget-tips-for-aussie-parents/): Back-to-school budgeting helps Australian parents plan for uniforms, school supplies and tech costs so they can avoid last-minute spending and... - [Your 2026 financial checklist for long-term success](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-2026-financial-checklist/): A financially successful 2026 doesn’t come from guesswork or good intentions. It comes from clarity, structure and knowing where your... - [Need rent relief? How to ask for a rent reduction (and when)](https://www.mybudget.com.au/moneyhub/articles/money-management/how-to-ask-for-a-rent-reduction/): Asking for a rent reduction in Australia is possible, but it’s most successful when your lease is ending, the property... - [Valentine’s Day on a budget: how to celebrate love without derailing your finances](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/valentines-day-on-a-budget/): Valentine’s Day is meant to be about connection, not credit card stress. But between overpriced roses, set menus and gold... - [How to become debt-free in 2026: the financial reset you need](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-become-debt-free-in-2026-the-financial-reset-you-need/): Get debt-free in 2026 with a clear, step-by-step guide to paying off debt, setting up a realistic budget and starting... - [Beat a new year credit card debt hangover and start the year financially fit](https://www.mybudget.com.au/moneyhub/articles/credit-card/beat-a-new-year-financial-hangover-fast-track-credit-card-debt-recovery/): Starting the new year with a financial hangover? Take control now, build a realistic budget, pay off credit card debt... - [Is $1 million enough to retire in Australia: how much super do I need?](https://www.mybudget.com.au/moneyhub/articles/future-planning/is-1-million-enough-to-retire-in-australia-how-much-super-do-i-need/): Discover how much you really need to retire in Australia, whether $1 million is enough, what changed in superannuation in... - [How to achieve your 2026 savings goals in 5 simple steps](https://www.mybudget.com.au/moneyhub/articles/goal-setting/how-to-achieve-your-2026-savings-goals-in-5-simple-steps/) - [Escaping financial abuse: How Dana said ‘I deserve better’](https://www.mybudget.com.au/moneyhub/articles/podcasts/escaping-financial-abuse-how-dana-said-i-deserve-better/): Financial abuse is a type of domestic violence that is often overlooked or dismissed. It involves controlling or manipulating someone’s... - [New house? How to move on a budget](https://www.mybudget.com.au/moneyhub/articles/property-talk/new-house-how-to-move-on-a-budget/): Moving expert Kirsty Morbidelliis from U-Store-It shares her favourite moving house tips, and talks us through how to move on... - [I’ve lost my job, what do I do now?](https://www.mybudget.com.au/moneyhub/articles/career-advice/ive-lost-my-job-what-do-i-do-now/): It’s a question we hope you never need to ask, but it’s more common than you’d expect: “I’ve lost my... - [How to handle the messy middle of life, work and everything](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/how-to-handle-the-messy-middle-of-life-work-and-everything/): I was recently asked to deliver the MBA graduation speech at the Australian Institute of Business. It was an honour... - [The ultimate guide to Christmas shopping on a budget](https://www.mybudget.com.au/moneyhub/articles/christmas-savings/christmas-shopping-on-a-budget/): From creating a Christmas savings plan to shopping early and using DIY Christmas gift ideas, planning ahead with MyBudget is... - [Your go-to guide for stocking stuffers this Christmas](https://www.mybudget.com.au/moneyhub/articles/christmas-savings/stocking-stuffers/): Nail your Christmas shopping with 15 stocking stuffer ideas for every budget, plus tips to keep your finances in check... - [Aussie Christmas lunch under $100](https://www.mybudget.com.au/moneyhub/articles/christmas-savings/christmas-lunch-under-100/): Create a delicious three-course Aussie Christmas lunch menu under $100 for six people – budget-friendly, festive, and full of flavour,... - [When the wishlist is bigger than the budget: managing kids' expectations at Christmas](https://www.mybudget.com.au/moneyhub/articles/christmas-savings/managing-kids-christmas-expectations/): Christmas is magical for children, but it can also be one of the most financially stressful times of the year... - [Create a Christmas budget in under 30 minutes](https://www.mybudget.com.au/moneyhub/articles/christmas-savings/30-minute-christmas-budget-template/): Nail your Christmas budget in under 30 minutes and give yourself the ultimate gift, less stress, more festive vibes, and... - [The simple changes that can help you pay off your mortgage sooner](https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/pay-off-your-mortgage-faster/): This guide shows you how simple money shifts, extra repayments, smart budgeting and offset strategies can help you pay off... - [How to clean your credit report and repair your credit score](https://www.mybudget.com.au/moneyhub/articles/debt-help/your-credit-report/): If your credit score has taken a hit and you’re wondering “How can I fix my credit score? ” This... - [From clutter to cash: how to host a garage sale that sells itself](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-have-a-good-garage-sale/): Your ultimate how-to guide to garage sales in Australia, packed with expert tips on pricing, signage, second-hand selling, and sustainable... - [Fast fashion vs quality pieces: how to build a timeless wardrobe within your budget](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/fast-fashion-vs-quality-pieces-how-to-build-a-timeless-wardrobe-within-your-budget/): Discover how choosing quality fashion over fast fashion can save you money, reduce your environmental impact and help you build... - [How to get ahead financially: help to get out of debt and save money](https://www.mybudget.com.au/moneyhub/articles/success-stories/how-to-get-ahead-financially/): Discover practical ways to pay off debt, save more, and finally get ahead financially, with real-life inspiration from MyBudget clients... - [The art of debt negotiation: how to talk to creditors to get your finances back on track](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-negotiate-with-creditors/): Learn exactly what to say to your creditors, understand your rights, and discover how MyBudget can help you pay off... - [How to plan a wedding in Australia for under $20,000](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-plan-a-wedding-in-australia-for-under-20k/): Plan your dream wedding in Australia for under $20,000 with these affordable wedding tips, budget wedding ideas, DIY decorations, venue... - [Black Friday sales Australia 2025: bag deals, not debt!](https://www.mybudget.com.au/moneyhub/articles/debt-help/black-friday-sales-australia/): Get ready for Black Friday and Cyber Monday 2025 with MyBudget’s expert budgeting tips, designed to help Australians shop smart,... - [The best budgeting tools to get ahead with your finances](https://www.mybudget.com.au/moneyhub/articles/money-management/the-best-budgeting-tools-to-get-ahead-with-your-finances/): The right budgeting tools can transform your finances by helping you manage money, reduce debt, and reach your financial goals... - [Celebrating women in business at Small Business Week 2025](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/celebrating-women-in-business/): I was honored to speak at the Women in Business Breakfast this week. The Office for Small and Family Business... - [How to get out of credit card debt in Australia](https://www.mybudget.com.au/moneyhub/articles/credit-card/how-to-get-out-of-credit-card-debt-australia/): Learn how to get out of credit card debt in Australia with proven strategies to pay off credit card balances,... - [Your money mindset is your greatest asset for financial success](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-money-mindset-is-your-greatest-asset/): We often hear about the importance of budgeting, saving money, and investing when it comes to financial wellbeing. And while... - [Meal planning to save money: the ultimate money saving plan](https://www.mybudget.com.au/moneyhub/articles/debt-help/meal-planning-to-save-money/): Want to know how to start saving money on groceries in Australia? This blog shows how a meal planning money... - [Spring clean your finances: simple steps to get money back on track](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/spring-clean-your-finances-australia/): Now is the time to take control of your money. A fresh season is the perfect chance to dust off... - [Home Guarantee Scheme changes slash years off deposit saving time](https://www.mybudget.com.au/moneyhub/articles/debt-help/home-guarantee-scheme-changes-2025/): From 1 October 2025, the fast‑track expansion of the Home Guarantee Scheme in Australia will slash income caps, lower deposit... - [7 Secrets to a healthy mind | MyBudget Purpose Day 2025](https://www.mybudget.com.au/moneyhub/articles/debt-help/7-secrets-to-a-healthy-mind/): We celebrated our annual MyBudget Purpose Day recently; honestly one of my favourite days on the calendar! It’s a time... - [How to save money in Australia: our ultimate savings guide](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-save-money-in-australia-our-ultimate-guide/): Are you struggling to save money and break free from living payday-to-payday, especially with today’s rising cost of living? Learn... - [How to budget for a baby in Australia: baby costs and money saving tips](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/budgeting-for-a-baby/): Budgeting for a baby can quickly get out of hand, especially when you start to factor in both the immediate... - [How to stress less about money: your guide to reducing financial stress](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-stress-less-about-money/): Financial stress impacts all aspects of our life. . See how Pete and Alyssa overcame their money problems and became... - [Employee financial wellness: what is the cost of living crisis costing your business?](https://www.mybudget.com.au/moneyhub/articles/savings-tips/bloom-employee-financial-wellness-program/): Financial stress affects your team’s wellbeing and your business’s performance. Bloom is the no-cost solution that empowers your people and... - [Father’s Day gift ideas: 25 best gifts for Dad for every budget](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/fathers-day-gift-ideas-australia/): Whether you're buying for a tech-loving dad or an outdoor adventurer, discover the best Father's Day gift ideas in Australia... - [Afterpay Day sales: how to save, without blowing your budget](https://www.mybudget.com.au/moneyhub/articles/debt-help/afterpay-day-sales-save-without-blowing-your-budget/): Get the best 2025 Afterpay Day deals without debt: Learn what Afterpay Day is, when it starts, how long it... - [How much does MyBudget cost? And why it could be the best financial decision you'll ever make](https://www.mybudget.com.au/moneyhub/articles/money-management/how-much-does-mybudget-cost/): If you’ve been thinking about joining MyBudget, this blog answers the number one question individuals ask. How much does it... - [Is inheritance your only hope of buying a home in Australia?](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/is-inheritance-your-only-hope-of-buying-a-home-in-australia/): Have you ever thought that waiting for an inheritance is your only way into the housing market? I’m Tammy Barton,... - [Summer budgets are made in winter](https://www.mybudget.com.au/moneyhub/articles/debt-help/summer-budgets-are-made-in-winter/): Get ahead of the holiday rush with MyBudget’s expert tips and tools to start your Christmas budget plan in July... - [Visa, Mastercard or Amex: which credit card is the best?](https://www.mybudget.com.au/moneyhub/articles/credit-card/visa-mastercard-or-amex-which-credit-card-is-the-best/): Trying to decide between Visa, Mastercard and Amex? This guide breaks down the key differences, from rewards and fees to... - [Building your financial armour: thriving in tough times](https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/building-financial-resilience/): Let’s be honest, the financial world can feel like a bit of a rollercoaster lately, right? One minute it’s up,... - [The reality of credit card rewards programs: are they worth it?](https://www.mybudget.com.au/moneyhub/articles/credit-card/credit-card-rewards-programs-are-they-worth-it/): From frequent flyer programs to a wide range of rewards cards, these loyalty schemes promise freebies. But if you’re chasing... - [The true cost of making only minimum payments on your credit card](https://www.mybudget.com.au/moneyhub/articles/credit-card/the-true-cost-of-making-only-minimum-payments-on-your-credit-card/): Minimum credit card payments might seem helpful, but they can cost you thousands, learn how to pay off credit cards... - [Sitting on $7,000? Here’s how to sell your unused items on eBay](https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-sell-things-on-ebay/): Did you know the average Aussie household is sitting on $7,000 worth of unused items at home? According to Statista’s... - [What is mortgage stress? Understanding, identifying, and overcoming it](https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/what-is-mortgage-stress-understanding-identifying-and-overcoming-it/): Everyone wants to protect their home, so what is mortgage stress in your home loan and how do you overcome... - [How MyBudget helped Alyssa & Pete take control of their finances and achieve their financial goals](https://www.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-alyssa-pete-take-control-of-their-finances/): Discover how a tailored personal budget helped Alyssa and Pete pay off credit card debt, build savings, manage cash flow,... - [New vs used: is it worth buying a new car? Our complete guide](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/when-to-buy-a-new-car-vs-used/): Trying to decide between buying a new or used car? We break down the pros, cons, costs, and key factors... - [RBA cuts interest rates to 4.10%! What it means for mortgage holders](https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/rba-cuts-interest-rates-to-4-10-what-it-means-for-mortgage-holders/): The Reserve Bank of Australia (RBA) has announced a cut to the official interest rate, bringing it down to 4.... - [Alternatives to debt consolidation loans: we found a better option for Debbie and Alan](https://www.mybudget.com.au/moneyhub/articles/debt-help/alternatives-to-debt-consolidation/): Debbie and Alan, like many Australians, felt overwhelmed by personal debt and even got rejected by the bank for another... - [How MyBudget helped Michelle and Phil pay off $40,000 in debt](https://www.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-michelle-and-phil-pay-off-40000-in-debt-and-why-theyve-remained-clients-for-over-10-years/): Good income but constant money stress? Michelle and Phil were living paycheck to paycheck, struggling to manage their finances. Discover... - [Money & Me: how to teach kids about money in Australia](https://www.mybudget.com.au/moneyhub/articles/money-management/financial-literacy-for-kids/): Learn how MyBudget and Project Gen Z’s Money & Me program empowers Australian kids with essential financial literacy skills to... - [How to save for a house deposit in Australia: Your step-by-step guide](https://www.mybudget.com.au/moneyhub/articles/savings-tips/how-to-save-for-a-house-deposit-in-australia-your-step-by-step-guide/): How much deposit do you need to buy a house in Australia? In Australia, most lenders require a 5-20% deposit... - [Can I survive as a single parent on one income?](https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/can-i-survive-as-a-single-parent-on-one-income/): Yes. Thousands of Australian single parents successfully raise children on one income by creating a realistic budget, planning ahead for... ## MyBudget TV - [How MyBudget can help | Your path to financial freedom | Manage money, get out of debt and save](https://www.youtube.com/watch?v=JJNU4VHy4io) - [Stop overpaying for bills! 4 easy ways to cut down household expenses](https://www.youtube.com/watch?v=xvZ7v7CgqxA) - [Introducing Bloom: tackle financial stress in the workplace](https://www.youtube.com/watch?v=0_jEoXkRs94) - [Juggling overdue bills? Take these 3 steps and see the results..](https://www.youtube.com/watch?v=1YjrELJ6zYw) - [How to Host Christmas Lunch for Under $100 | Budget-Friendly Tips](https://www.youtube.com/watch?v=VjKaVmV1_rQ) ## Podcasts - [Alyssa and Pete's debt-free journey to one income | MyMoney MyStory podcast](https://www.mybudget.com.au/moneyhub/podcasts/alyssa-and-petes-debt-free-journey-to-one-income-mymoney-mystory-podcast/): Alyssa and Pete overcame $65K of debt, IVF costs, and the chaos of raising three kids, and now live comfortably... - [Kylie and Scott get back on their feet | MyMoney MyStory podcast](https://www.mybudget.com.au/moneyhub/podcasts/kylie-and-scott-mybudget-mymoney-mystory-podcast/): Through heartbreak, hospital stays and financial collapse, Kylie and Scott found the one thing that got them through it all,... - [Could a budget save your marriage? | MyMoney MyStory podcast](https://www.mybudget.com.au/moneyhub/podcasts/michelle-and-phil-mymoney-mystory-podcast/): They faced constant money stress, $40K in debt, and a marriage on the line, until one phone call changed everything.... - [Erin and Adam: saving money and building wealth | MyMoney MyStory podcast](https://www.mybudget.com.au/moneyhub/podcasts/erin-and-adam-mymoney-mystory-podcast/): With the help of MyBudget, Erin and Adam turned financial uncertainty into financial stability, paving the way for homeownership, a... - [Mr Ordinary's debt landed him in jail. Here’s how one Aussie rebuilt his life with MyBudget’s help](https://www.mybudget.com.au/moneyhub/podcasts/mr-ordinarys-debt-landed-him-in-jail/): Many Australians live what appears to be an “ordinary” life, a mortgage, a car, a credit card or three, a... ## Money Tools - [Tax Return Checklist](https://www.mybudget.com.au/moneyhub/resources/templates/tax-return-checklist/) - [6 Steps to Eliminate Credit Card Debt eBook](https://www.mybudget.com.au/moneyhub/resources/guides-ebooks/6-steps-to-eliminate-credit-card-debt-ebook/) - [Home Buyers Guide](https://www.mybudget.com.au/moneyhub/resources/guides-ebooks/home-buyers-guide/) - [Healthy Meal Planning on a Budget Guide](https://www.mybudget.com.au/moneyhub/resources/guides-ebooks/healthy-meal-planning-on-a-budget-guide/) - [10 Steps to Get Out of Debt eBook](https://www.mybudget.com.au/moneyhub/resources/guides-ebooks/10-steps-to-get-out-of-debt/) - [Electricity Bill Checklist](https://www.mybudget.com.au/moneyhub/resources/guides-ebooks/electricity-bill-checklist/) - [Personal Budget Template](https://www.mybudget.com.au/moneyhub/resources/templates/personal-budget-template/) - [Get a Better Deal Checklist](https://www.mybudget.com.au/moneyhub/resources/templates/get-a-better-deal-checklist/) - [Goal Setting Template](https://www.mybudget.com.au/moneyhub/resources/templates/goals-template/) - [Newborn & Baby Essentials Checklist](https://www.mybudget.com.au/moneyhub/resources/templates/baby-checklist/) - [Christmas Budget Calculator](https://www.mybudget.com.au/moneyhub/resources/templates/christmas-budget-template/) # # Detailed Content ## Pages - Published: 2026-06-05 - Modified: 2026-06-10 - URL: https://www.mybudget.com.au/debt-agreement/ Considering a Part IX Debt Agreement? Talk To an Expert First MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeDebt Agreement Thinking about a Part 9 Debt Agreement? Before you sign a legally binding contract that impacts your credit file for 5 years, explore a structured, credit-saving debt repayment plan. Stop Debt Collectors Calling Reduce Interest Fees and Charges Negotiate with Banks and Creditors For You Find out how Free appointment | No long-term, lock-in contracts Kim & Bob | MyBudget clients Feel the pressure lift, without the long-term penalties We’ll look at all of your options and find the one that’s right for your circumstances. We do this by creating a realistic 12-month budget plan that maps all your bills and expenses to ensure they are paid on time while paying down debt. No credit file impact We work within your means to pay down debt. Helping you address debt while considering the potential impact different solutions may have on your credit score. We talk to creditors Our experienced team negotiates directly with your banks and creditors to reduce money stress and stop the constant calls. Automated payments We can handle the heavy lifting by automating your bill and debt repayments so you never miss a due date. So you can feel instant debt relief. Flexibility We adapt to life’s surprises. If your life changes, your budget changes with you. Build a savings plan Every budget we design puts aside money to prepare for the unexpected. Enjoy true peace of mind by building an emergency buffer from day one while paying down what you owe. Future planning Have a clear end date and know exactly when you’ll be debt-free. Kim & Bob | MyBudget clients Why people consider debt agreements People often start looking at debt agreements when: They’re falling behind on repaymentsCreditors keep callingCredit cards are maxed outThey feel like they’re running out of options.The good news is a formal debt agreement isn’t always the only path forward. 95% of clients reported not missing a repayment since joining MyBudget Tammy Barton | MyBudget Founder & Director Why choose us? When you look at your debt through a clear, forward-planning lens, the shame disappears and solutions appear. Caring Money Coaches, powerful technology: We combine powerful budgeting technology with expert Money Coaches who genuinely care about your financial success.Total visibility 24/7: Track your long-term forecast, view your spending habits, and see exactly when you will be debt-free via our client app.No long-term contracts: We operate entirely on a transparent, fee-for-service model.... - Published: 2026-05-22 - Modified: 2026-05-22 - URL: https://www.mybudget.com.au/home-page-2/ For over 25 years, MyBudget has helped 130,000+ Australians achieve their financial goals. - Published: 2026-05-04 - Modified: 2026-05-04 - URL: https://www.mybudget.com.au/moneyhub/ Money Hub: Expert Budgeting Advice and Real-Life Money Tips MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. 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Search HomeMoney HubArticles Articles Money Hub Tips on budgeting, saving, managing debt & improving financial wellbeing. Articles MyBudget TV Podcasts Money Tools Top 25 Mother’s Day gift ideas for every budget in 2026 Budgeting Tips 5 min read Why AI budgeting doesn’t work in real-life Tammy's Thoughts 9 min read How much emergency fund should you have? And how to build it Savings Tips 8 min read How to stop waiting for payday: get financially fit Money Management 7 min read Popular topics Debt Help Practical guidance to help you manage debt and get back in control. Budgeting Tips Practical tips and budgeting support to help you manage money with confidence. Saving Tips Simple strategies and tools to help you save money, set goals and grow your savings. Tammy's Thoughts Personal and real-world insights and lessons from our founder. 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Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. 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Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. 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See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeLive your life Live your life free from money worries Pay your bills on time Get out of debt Create savings. Book your FREE, no obligation 10 minute chat. InstagramThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.   Megan & Creagh | MyBudget clients The way in which we manage our money has such a big impact on the way that our life turns out.                    Tammy Barton | Founder & Director The MyBudget difference Play video Money management to suit your needs... Whatever your money goals, we help you plan for the future with confidence. Build a plan Let’s explore all of your options and design a customised budget to pay down debt and maximise every dollar you earn. Pay your bills We’ll give you the structure and support to ensure your bills and expenses are paid on time from your budget. Create savings We help you make your income go further which means more money for faster saving and better living. Tara | MyBudget team member How does MyBudget work? Every journey begins with a FREE, no-obligation budget appointment with one of our expert money coachesMake every dollar you earn work even harder for you! Whether you want to reduce debt, save money, or simply get ahead, we will explore your options and create a customised plan to get you thereLike a personal assistant for your money, we do all the heavy lifting for you. We automate and streamline your bills, savings and manage all of your expenses for you. Featured on       Best decision I’ve ever made is using MyBudget. As a family of 5 things get tight and out of hand. I’ve managed to pay off my debt, pay all my bills, buy 2 new cars and take family on several overseas trips including a big trip to Disneyland. I could never have this lifestyle if it wasn’t for MyBudget. Aleta | MyBudget client I have been a customer with MyBudget for roughly 6 years now, and they have completely changed my life and outlook on the future. I was on the verge of bankruptcy and just couldn’t see my way out of it, but with the support and advice from MyBudget I am now completely debt free and have been able to rebuild... - Published: 2026-04-08 - Modified: 2026-04-08 - URL: https://www.mybudget.com.au/lead-market-error/ Lead Market Error | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. 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Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeLead market error We’re here to help We would love to help book a time to start you on your money journey. Please fill out this enquiry form, or alternatively call us today. LinkedInThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Tara | Team member MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Log In Refer a Friend Unclaimed Funds Client Resolutions and Compliments © 2026 MyBudget Pty Ltd, ACN ‍093 118 597 AFSL and Australian Credit Licence 391759 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. MyBudget Loans Pty Ltd, ACN ‍613 857 104 Australian Credit Licence 492064 MyDebtSolution Pty Ltd, ACN ‍125 292 739 Registered Debt Agreement Administrator No. 1173 - Published: 2026-03-13 - Modified: 2026-05-07 - URL: https://www.mybudget.com.au/budgeting-help-v2/ Personal Budgeting Plans to Maximise Your Money | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBudgeting Help V2 Take Control of Your Money With a Personal Budget If you’re overwhelmed, the right structure can change everything. Our personalised budget plan gives you 12-month visibility, real clarity, control and a clear path forward. Pay your bills on time and stay in control Reduce debt with a clear, structured plan Build savings and achieve your financial goals faster Start your journey with a no-obligation chat with our team. CompanyThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Erin & Adam | MyBudget clients Budgeting support to help you take control When you budget with us, your income and expenses are planned up to 12-months ahead. We provide structure and support so that your bills are paid on time, your debt is reducing and your savings are growing. Build a personal budget We help you create a realistic plan that supports your lifestyle and your financial goals, paying off debt, saving for the future, and enjoying the life you want. Automate bills & savings We automate your bills and savings so your budget runs smoothly in the background, freeing up your time so you can stop worrying about money and start living. Support when you need it You’re never on your own. Our caring money experts help you stay on track and keep moving toward financial freedom. Support is always just a call away. Watch their story " We saw where our money was going and got a plan for the future " Erin & Adam | MyBudget clients Why is budgeting important? A budget shows you where your money is going, what your commitments are and how close you are to achieving your financial goals.What are the benefits of having a budget?Track spending to stay within your meansReduce stress by planning for bills and unexpected costsPay off debt, grow savings and plan confidently.With the right visibilty, structure and support, see how your financial situation can improve with MyBudget.130000+ People helped 25+ Years of service Tara & Tammy | MyBudget team members How much does MyBudget cost? At MyBudget, it’s not a one-size fits all approach. Your 12-month budget is tailor made for you. Fees are transparent. They’re dependent on the complexity of your financial situation and based... - Published: 2026-02-27 - Modified: 2026-02-27 - URL: https://www.mybudget.com.au/cost-of-living-support/ Cost of Living Support with Budgeting & Debt Consolidation | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeCOL Cost of Living Support With A Tailored Budget Plan It seems everywhere you turn, everything is getting more expensive. Get your cost of living under control with a tailored budget plan from MyBudget’s team of experts. Enquire today Free appointment | No long-term, lock-in contracts   Watch their story " MyBudget helped us pay off five credit cards and start saving for a home. " Megan & Creagh | MyBudget Clients Finally, a budget plan built for today's cost of living We’ll work with you to create a budget that’s based on your actual income and expenses. Don’t let this cost of living crisis control all of your decisions. With MyBudget, you’ll know exactly where your money is going – and have a clear plan to make the most of it. Streamlining your bills We can consolidate your household bills into one place and make sure that payments are made on time. No more juggling due dates or worrying about missed payments and late fees. Getting back on the right track If the cost of living crisis is making you feel behind, we can negotiate on your behalf with service providers to get you on to a more manageable payment plan and give you some much-needed breathing room. Smarter savings We'll help you identify areas where you can cut back without sacrificing your lifestyle. Small changes across multiple areas can give you a real boost in your cash flow and help you start building savings again. Take control of rising living costs Household expenses like groceries, fuel, rent, utilities and insurance are going up and up, across all of Australia. Many people with steady incomes are starting to feel the pinch. When your day to day costs are spiralling out of control it can easily lead to: Relying on credit cards, or Buy Now Pay Later schemesFalling behind on the billsRaiding your savings to cover the essentialsOngoing stress that’s eating away at you.MyBudget is here to get you back on track with a no-nonsense, practical plan that’s tailored to your unique situation.Get started The benefits are real Get back in charge of your household financesReduce the stress that’s holding you backDitch the reliance on creditStay on top of all your bills and debtsCreate some breathing room in your cash flowStart to build up your savings again. Cost of living relief FAQs Can’t find what you’re looking for? See more FAQs… How does MyBudget help with rising living costs? We take a good hard look at your whole financial situation and create a... - Published: 2026-02-25 - Modified: 2026-02-27 - URL: https://www.mybudget.com.au/buy-now-pay-later-financial-support/ Buy Now Pay Later Support - Get it Paid Off ASAP | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBNPL Stop The Buy Now Pay Later Cycle Feeling stuck and relying on Buy Now Pay Later just to get by? Stop borrowing from next week to pay for today. We’ll give you a clear plan and real options to take control of your money. Enquire today Free appointment | No long-term, lock-in contracts   Watch their story " MyBudget helped us pay off five credit cards and start saving for a home. " Megan & Creagh | MyBudget Clients In 2025, 24% of Australians are relying on Buy Now Pay Later and nearly 16% now rely on it monthly.Roy Morgan, 2025 Escape the Buy Now Pay Later Trap Buy Now Pay Later services like Afterpay, Zip and Humm can initially be convenient. But you can’t keep borrowing and going further into debt. Those multiple accounts, automatic deductions and sneaky late fees will catch up with you. MyBudget is here to help you get back in the driving seat with a simple, straightforward plan that works. A budget that actually works We'll help you hammer out a realistic budget that takes into account your income and expenses, remembering to factor in those BNPL repayments without using any more credit. Sorting out the mess If you've fallen behind or are feeling the weight of it all, we can go to bat for you and contact your BNPL providers to see if we can set up a payment plan that you can actually stick to. Straightening out your debt If things are really stacked against you, we can also look into consolidating those multiple BNPL debts into one manageable payment. See the benefits Maximise your income by saving money on interest & chargesPay off your credit card debt fasterGain greater control of your moneyStop your reliance on creditGet back on track.Get started Buy Now Pay Later FAQs Can’t find what you’re looking for? See more FAQs… How can MyBudget help me pay off Buy Now Pay Later debt quicker? We work with you to put together a budget that takes account of all your BNPL payments, bills and other expenses all in one place. That way you can stay on top of your repayments and get balances cleared faster, without needing to open up more accounts. Can MyBudget talk to my BNPL providers on my behalf? Yes, we can get in touch with Afterpay, Zip or Humm and help sort out some more affordable repayment plans and ease the stress of collections. Will becoming a MyBudget client improve my credit score? Many of... - Published: 2026-02-20 - Modified: 2026-07-10 - URL: https://www.mybudget.com.au/do-i-need-a-financial-advisor/ Do I Need a Financial Advisor or a Money Coach? | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeFinancial Advisor vs MyBudget Financial Advisor vs MyBudget Before hiring a financial advisor, see how MyBudget helps Australians manage money, reduce debt and build savings to achieve their financial goals faster. X/TwitterThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Free appointment | No long-term, lock in contracts Michelle & Phil | MyBudget clients Kylie & Scott | MyBudget clients Day-to-day money management, done for you Do you think you need a Financial Advisor? You might just need a total money management plan from MyBudget to pay your bills, help you get out of debt and start saving to reach your financial goals. Bills paid on timeNever miss a due date or pay late fees again.Get out of debt fasterStructured repayments to reduce interest, fees and charges.Build savings and reach goalsCreate real momentum toward financial security and future plans.If you’re looking at financial planning, you’re likely seeking clarity and control. MyBudget provides hands‑on money management that helps you take control today and plan for your future with confidence. Erin & Adam | MyBudget clients Do I need a Financial Advisor? Most people searching for a Financial Advisor aren’t after complex investment strategies. They are after a clear plan that gives them visibility, structure, and support that helps them manage their money with confidence. Money may feel stressful, unclear, or out of control, and you might want practical help to get back on track and plan for your future. Are you earning good money but still feeling stuck living pay to pay?Do bills, debt or expenses feel overwhelming?Do you want a clear plan for your money but don’t know where to start?Do you want to start to feeling like you are achieving your financial goals?Then MyBudget’s for you.Find out how. Charly | MyBudget team member What’s the difference between MyBudget and a Financial Advisor? A traditional Financial Advisor focuses on strategic advice and long‑term planning for wealth, investments and retirement. MyBudget is a practical, hands-on service that manages your day-to-day cash flow to ensure bills are paid on-time, debt is reduced, and your savings goals are within reach. MyBudget takes the stress and effort out of budgeting and managing your finances. MyBudget vs. Financial Advisors: Key Differences FEATUREMYBUDGET... - Published: 2026-02-13 - Modified: 2026-02-13 - URL: https://www.mybudget.com.au/enquire-today/ Enquire today | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeEnquire today Live your life free from money worries Your MyBudget journey begins with a free no-obligation chat with one of our caring expert Money Coaches. They will chat to you about your financial position and the goals you want to achieve. Pay your bills on time Reduce debt Create savings. NameThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Erin & Adam | MyBudget clients MyBudget FAQs Can’t find what you’re looking for? See more FAQs… How does MyBudget work? MyBudget works by creating and managing a personalised budget on your behalf, so your income is organised, your bills are paid on time, and your financial goals are built into a clear, structured plan.When you join MyBudget:Your income and expenses are reviewed in detailA tailored personal budget is created to fit your lifestyleRegular bills and repayments are scheduled and paid on timeDebt reduction strategies are implemented if requiredSavings plans are built to help you achieve your goalsOngoing budgeting support is provided by a dedicated Money CoachMyBudget doesn’t just track money, we manage it. This helps reduce financial stress, prevent missed payments, and create consistency in how your money is handled.Many clients say the biggest difference is the immediate relief they feel once everything is organised and under control, and that they wish they had joined sooner. With more than 25 years of experience and over 130,000 Australians supported, MyBudget focuses on helping people manage money confidently and live free from money worries. How much does MyBudget cost? Every appointment to set up your personalised budget is completely free. If you decide to join, your fees will depend on the complexity of your financial situation and the level of support you need. Our mission is to improve financial wellbeing, so our fees are designed to be an affordable investment towards helping you achieve your financial goals. Do I qualify for MyBudget services? Most Australians qualify for MyBudget because our service supports a wide range of financial situations, from managing everyday expenses to serious credit card debt, overdue bills or debt consolidation needs. At your free appointment, a money coach will review your income, debts, financial commitments and goals to confirm if MyBudget is the right fit. If you want budgeting help, debt relief options, or a clearer personal budget, we’re here to support you. How are MyBudget appointments conducted? We offer flexible appointment options to suit your... - Published: 2026-01-06 - Modified: 2026-01-06 - URL: https://www.mybudget.com.au/bloom-employee-financial-wellness/viva-mutual/ Viva Mutual | Bloom by MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About MyBudget Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About MyBudget Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About MyBudget Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About MyBudget Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About MyBudget Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About MyBudget Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBloom Employee Financial WellnessBloom Employee Financial Wellness – Viva Mutual Achieve financial wellness Bloom gives you real support with your finances. We’re here to help you stress less about money, be more in control, and most importantly, build a better financial future. No lock-in contracts. No pressure. Just real support when you need it, and nothing to lose. Explore Bloom’s benefits   Erin & Adam | MyBudget clients The majority of MyBudget clients pay off 90% of their unsecured debt in just over 3 years. Why Bloom? Because financial stress follows you everywhere Perks like gym memberships and team lunches are nice, but they don’t solve your financial worries. Bloom is different. It tackles the number one cause of stress in Australia. Money. The stats speak for themselves: Half of the Australian population say money is their top source of stress 172% say financial stress affects their sleep and motivation 2Only 1 in 3 people feel financially secure. 3Source: 1 Beyond Blue Report 2024 2 Employment Hero Report, 2024 3 AMP Report, 2024 Your Bloom benefits A free, confidential 2-hour session with a Personal Budgeting Specialist A tailored 12-month budget plan, yours to keep, no strings attached We pay your bills, help you reduce debt, grow savings and reach your financial goals No lock-in contracts. No judgement. Just real support when you need it Help talking to creditors (if you need it) A one-off discount on your establishment fee It’s easy to get started Connect with us to explore Bloom’s benefits. A team member will be in touch.Start today A smart budgeting app, automated for you Managing money shouldn’t be hard. MyBudget combines smart tech with real people to make budgeting automated, personalised, and stress-free. Snap and upload bills directly in the appWe’ll automate your budget and pay your bills24/7 support with our money experts.“The app shows us exactly what we can spend without impacting our savings.”Erin & Adam | MyBudget clients Real support. Real people. Real results. “We were drowning in $91,000 of debt, and it felt like we’d never get ahead. MyBudget helped us pay off five credit cards and start saving for a home” Megan & Creagh | MyBudget clients Play video - opens in a lightbox With over $91,000 in credit card debt, Megan & Creagh felt overwhelmed. But with a customised budget plan and the right support, they paid off $60,000 in 10 months, regained control of their finances, and are now saving for a home, without giving up the lifestyle they enjoy. We’ve saved our clients over $2 million in debt arrangements in 2024. FAQs What is Bloom? Bloom is... - Published: 2025-12-22 - Modified: 2026-07-07 - URL: https://www.mybudget.com.au/contact-us/ Contact MyBudget | Australian Debt Help & Budgeting Support MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeContact Us We’d Love to Hear From You! Tara | Team member Get in touch Enquire online1300 300 922 New enquiriesMonday – Thursday 8:00am – 8:00pm (AEST)Friday 8:00am – 6:30pm (AEST)Saturday 8:30am – 5:00pm (AEST)Sunday 9:30am – 5:30pm (AEST)Ph: 1300 300 922Opening hours may vary on public holidays.Client servicesMonday – Friday7:30am – 6:30pm (AEST)Ph: 1300 300 922 MyBudget LoansMonday – Thursday 8:00am – 7:00pm (AEST)Friday 8:00am – 5:30pm (AEST)Ph: 08 8215 7519 Media & Partnerships [email protected] Careers Working at MyBudget Locate us Head office122 Frome Street Adelaide SA 5000Perth officeLevel 1, Office 146 100 Havelock Street West Perth WA 6005 Postal addressPO Box 3433 Rundle Mall SA 5000Get directions FAQs What is MyBudget? MyBudget is one of Australia’s most trusted budgeting and money-management services. For over 25 years, we’ve helped more than 130,000 Australians create personalised budgets, get out of debt, build savings, and reach their financial goals. We combine expert money coaching with powerful custom technology to organise your expenses, pay bills on time and take the stress out of managing money. MyBudget can help you build a plan that supports your long-term financial wellbeing. What budgeting services and solutions does MyBudget offer? MyBudget offers a full range of money management services including, personal budgeting, debt management and savings plans. We help you create a personalised budget, set up a realistic money saving plan, pay bills on time, reduce credit card debt, manage cash flow, consolidate or negotiate debts, and build strong long-term savings habits. Our financial coaches work closely with you to support your goals and make managing money easier and more predictable. How are MyBudget appointments conducted? We offer flexible appointment options to suit your lifestyle. Most MyBudget appointments are held virtually or over the phone so you can get budgeting help from anywhere in Australia. For South Australian clients, in-person appointments at our office are also available. No matter the format, you’ll receive personalised financial coaching, budget planning support and a clear pathway to reaching your financial goals. Do I qualify for MyBudget services? Most Australians qualify for MyBudget because our service supports a wide range of financial situations, from managing everyday expenses to serious credit card debt, overdue bills or debt consolidation needs. At your free appointment, a money coach will review your income, debts, financial commitments and goals to confirm if MyBudget is the right fit. If you want budgeting help, debt relief options, or a clearer personal budget, we’re... - Published: 2025-12-16 - Modified: 2025-12-22 - URL: https://www.mybudget.com.au/privacy-policy/ Our privacy commitment MyBudget is committed to protecting your privacy. We adhere to this privacy policy to keep your personal information secure and confidential. We are subject to certain legislative and regulatory requirements, including as an Australian Credit Licensee and Australian Financial Services Licensee, which require us to obtain personal information about you. We are also bound by the Privacy Act 1988 (Privacy Act) and other legislation surrounding the collection and use of your personal information. The Privacy Act sets out a number of Australian Privacy Principles. Our aim is to both support these principles and ensure that we comply with them. This privacy policy outlines the personal information we may collect from you, as well as how and why we collect it. It also shows how we keep this information secure and how we may use or disclose it. The privacy policy applies to all of your dealings and interactions with us – in person, online, over the phone, or by post. References to ‘we’, ‘us’ or ‘MyBudget’ in this document refer to all functions and employees of MyBudget Pty Ltd and our sister company MyDebtSolutions Pty Ltd. For information on how to contact MyBudget, please see ‘Contacting us’ below. How we collect information We collect your personal information directly from you or where suppliers provide us with your information. MyBudget collects personal information in a number of ways. These include: Directly from you, when you: Request to receive the services offered and provided by us; Submit an enquiry, complaint or feedback to us, including via our website; Create a client login on our website; Attend a face-to-face interview or appointment with us; Provide us with information through a data collection form, including on our website; Provide us with information by phone or video conference; Interact with us via email, the internet, our web-chat services or a mobile app; Submit documentation and forms to us; or Apply for a contractor or employment position with us; From your creditors, or any other relevant third party, once authorisation has been provided by you; Where you are a creditor, and a client provides us with your details; Via our related entities in the MyBudget group of companies, including MyBudget Loans Pty Ltd; Via our external service providers, where they collect or process personal information on our behalf; and Where you otherwise submit personal information about yourself, or someone else, to us, or our website. We will only collect your personal information from third parties if you give the third party your consent to provide the information to us or it would be reasonably expected. If someone other than you provides us with personal information about you that we did not ask for, or you provide us with unsolicited personal information, we will only hold, use or disclose this information if we determine that we could have collected this information from you had we asked for it. In this circumstance, we will take all reasonable steps to notify you of the collection of that information. If we could not have collected this personal information, we will lawfully de-identify or destroy that personal information. Where you decline to provide us with personal information or refuse us authorisation to collect information from a third party, this may affect our actions in setting up and managing your budget or creditor payment arrangements, or otherwise providing you with our services, and your level of service may be diminished. You may choose to contact us anonymously or using a pseudonym where it is lawful and practicable to do so – for example, if you telephone us requesting our postal address. You will also be able to use our public website anonymously. However, if you do not identify yourself, we will only be able to give you general information and we may not be able to provide the full services you need. Please note that all calls between clients and us or our contact centre are monitored and recorded for our records, as well as for training, evaluation and quality purposes. We also collect audio-visual recordings of all budget consultation appointments for these purposes. What kind of information we collect We collect only relevant information about you that is needed to establish and maintain your account and services, or as otherwise necessary to conduct our business, as the law allows and/or requires us to collect. We may collect personal and financial information about you that is not publicly available and information that you otherwise submit to us, including via our website: mybudget. com. au, to our staff or via forms that you provide to us. The information we collect varies depending on the accounts and services you request or use. We are likely to collect personal information, such as your contact details and other identifying information, necessary for our business dealings with you. This may include your name, email address, postal/residential address, telephone number, and how you heard about MyBudget. We may collect/sight your identity documentation, such as a copy of your driver’s licence, for identity verification purposes. We may also collect further personal information, such as situational information like your current financial status, credit history, how many dependants you have, your employment status, employer and other such information. We will also collect your financial information, including details about your income (including employment contracts or pay slips), expenditure (including bank statements, bills and mortgage or rental payments), debts, credit limits and your balances owing for credit products, bank accounts and payment details and any powers of attorney provided. We may collect information relating to your financial goals and concerns. We will collect audio-visual recordings of all budget consultation appointments with you for complaint, coaching, quality evaluation or compliance monitoring purposes. Without your consent, we will not collect information about you that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership status of professional or trade associations, membership status of a trade union, or details of health, disability, sexual orientation, or criminal record. This is subject to some exceptions, including where the collection is required or allowed by law, and when the information is necessary for the establishment, exercise or defence of a legal claim. We understand that this information is sensitive, and our staff are trained to treat any sensitive information we have collected as highly confidential. As mentioned above, if you request to use our services, we may also receive information from your creditors. This information may be used to assist with negotiations or ongoing budgeting for the particular payments in question. You can speak to your creditors about their privacy policies, including which information they can and cannot provide to MyBudget. Please be advised that if you provide inaccurate or incomplete information, we may not be able to provide you with the products or services you are seeking. Why we collect information and how may it be used This privacy policy deals with the personal information of our clients and prospective clients, service providers, creditors and other third parties. We will only use your personal information for the purposes for which it was given to us, or for purposes that are directly related to the provision of our services. Your personal information may be used by us in a number of ways, including: To assist you in conveniently and easily accessing the services that we offer and provide, including locating your closest physical MyBudget office and offering appointments with us; To be able to improve the services we offer, including providing staff with feedback and training; For internal record-keeping and marketing research purposes; To periodically send surveys and communications about our services or other information which we consider that you may find interesting; To manage and resolve any complaints; If you are a creditor, to contact you to obtain credit information in relation to our clients; and If you are a contractor or job applicant, to assess your application to work with us. Where you are a client or prospective client We need to collect some information from you so that we can provide you with an appropriate service, which will primarily involve helping you with your budgeting needs, and dealing with lenders and other creditors on your behalf. We also need to collect certain personal information so that we can identify and contact you appropriately. We will use your personal information to assess your suitability for the services we provide, potentially conduct appointments with you and provide you with any further relevant services (which may include a budget plan). Certain laws, such as the Australian Anti-Money Laundering and Counter-Terrorism Financing Act 2006, may require us to collect personal information about you. The information you provide to us, or which we otherwise collect about you, will be used primarily to set up and manage your account and deal with lenders and other creditors on your behalf. Much of your information would be provided for a specific purpose, and in that case, it would be used primarily for that purpose. For example,... - Published: 2025-12-11 - Modified: 2025-12-11 - URL: https://www.mybudget.com.au/refer-a-friend-1/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-11 - Modified: 2026-07-13 - URL: https://www.mybudget.com.au/about-us/ Master Your Finances with Australia's Leading Budgeting Service | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeAbout Us Making a difference since 1999 Our purpose is to eliminate financial stress in the community and improve the financial health of the world. Elliot, Tammy, Vanessa | MyBudget Team 250+ Staff employed 1000000000+ Managed salaries 4800000+ Transactions processed yearly MyBudget is a personal budgeting company dedicated to freeing people from their money worries Tammy Barton | MyBudget Founder & Director Our Story MyBudget’s Founder and Director Tammy Barton was just 22 years old, working at a debt collection service and witnessing the impact that financial stress had on people’s lives. It was evident that traditional banking wasn’t necessarily helping people and Tammy believed that to get ahead and to be able to live your best life, you need a different set of tools. A solid system and caring support that enables you to look ahead and plan for the future with confidence. “Money is inter-connected with almost all parts of our life. Which is why the way in which we manage our money has such a big impact on the way that our life turns out.” Our Core Values Financial responsibility Our clients are at the heart of everything we do. We act in their best interests, providing solutions that meet their financial goals and needs. We care We support our client compassionately and authentically, without judgment. We make a difference We deliver tailored-solutions that truly enhance our clients’ lives. Meet Our Team Our Vision Our purpose Is to help Australians live a life free from money worries. We work with clients in a confidential, respectful and caring way to help them fast-track their financial goals. Our impact We’re passionate about improving financial health in the community. Be it championing financial literacy for children or by the development of client support and advocacy programs. Our community MyBudget recognises that a thriving workforce and a truly global team of wonderfully talented individuals, is built upon the pillars of holistic wellness, a vibrant culture, and a deeply ingrained commitment to diversity and inclusion. Gender pay gap report Our gender pay gap report is a testament to our unwavering commitment to diversity and inclusion. At MyBudget, we take immense pride in fostering an environment where every individual’s talents are recognised and valued fairly, regardless of gender.Download the report Money tips straight to your inbox Name(Required)Email(Required) Subscribe today MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe... - Published: 2025-12-10 - Modified: 2025-12-15 - URL: https://www.mybudget.com.au/complaints/ Information for Clients who have a concern, complaint or simply would like to acknowledge a team member At MyBudget, we aim to provide you with world-class service every time. We know that occasionally things may not go as planned. When issues occur, we’re here to address them promptly and effectively. We also want to ensure that our staff get praised when things go well, so we want to provide an easy platform for you to let us know about great service. Our commitment to resolving complaints extends past fixing the immediate problem; we’re also dedicated to learning from these experiences to continuously improve our service and prevent similar issues in the future. Your satisfaction is paramount, and we’ll work tirelessly to ensure it. We truly value your feedback at MyBudget. If you’re ever dissatisfied with our services, please let us know. We see your concerns as valuable insights that help us improve and ensure your satisfaction. It’s our chance to make things right and rebuild any lost trust Our staff are dedicated to facilitating your complaint. They’re trained to assist and support you through the process. Please let us know if you need additional assistance, and we will accommodate you as best we can. When you raise a complaint with us, we will ensure your concerns are treated with respect and fair consideration. We take any concerns seriously and will work with you to understand your concerns to ensure a fair and reasonable resolution. Our Commitment to Client Resolutions When you make a complaint to us, we will: Acknowledge we have received your complaint; Work with you to try and resolve your complaint as soon as possible; Keep you informed of our investigation progress; and Provide you with our final response within 30 days or as required by law. Resolving complaints: We will try to provide you with a resolution within 5 business days. If your complaint is complex, more time may be required. We will act fairly and reasonably when resolving your concerns. We will be consistent and ethical in our approach to a resolution. To provide you with a resolution, we will investigate our service, your actions, and the terms of your MyBudget Agreement. To assist you with a resolution, we may require you to provide further information. Making a Complaint guide Our Making a Complaint guide is available in Easy Read format. This presents important information in a way that is easy to understand. We value all client complaints and therefore have created this guide to include people who may need some help understanding our complaint policy. This may include people with a disability, people who use English as a second language or people who have difficulty reading. Download the Making a Complaint guide in Easy Read format. You can raise your concerns or a complaint by calling 1300 300 922, or via a secure web message sent through the client web portal or MyBudget app. Additionally, you can write to us at: MyBudget Pty Ltd 122 Frome Street Adelaide SA 5000 - Published: 2025-12-10 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/budgeting-and-financial-goals-secrets/ Budgeting Secrets: Plan for Financial Freedom | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About MyBudget Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About MyBudget Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About MyBudget Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Mortgage Stress Calculator About MyBudget Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About MyBudget Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About MyBudget Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBudgeting & financial goals Budgeting and financial goals Set yourself up for success in 2026 with Tammy Barton, Founder & Director of MyBudget & Rosanna Mangiarelli Channel 7 News anchor talking all things budgeting, debt & savings to help you live life free from money worries. Watch webinar Kickstart your goal setting this year with tips to creating a successful budget! Set your financial goals Start the year by setting your short and long term goals. Create a budget Have a system that strikes the right balance between structure and adaptability, for those curveballs life throws your way. Budget for fun! Be financially responsible while enjoying yourself and having fun too, to live the life you want and stay on track.. How to set up a budget to achieve your 2026 financial goals? Play video FAQs What does MyBudget do? MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results. What can I expect at a free MyBudget appointment? Your MyBudget journey begins with an initial conversation with one of our Money Coaches. They will chat to you about your financial position and gain an understanding of the financial goals you want to achieve. Once we have this snapshot, we will connect you with your very own Personal Budgeting Specialist. We can arrange a time convenient to you (and your partner where relevant). At that session we create a customised 12-month Personal Budget Plan that is yours to keep for FREE! This budget plan provides you with a detailed understanding of how, together with the support of MyBudget, you can live a life free from money worries and achieve your financial goals. In the media MyBudget has been featured in leading Australian media and trusted publications. Book your FREE budgeting appointment today Are you ready to live life free from money worries? Initial 10-minute chat Private & confidential No long-term, lock-in contracts. URLThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions... - Published: 2025-12-10 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/income-tax-calculator/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-10 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/personal-loan-calculator/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-10 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/savings-calculator/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-10 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/home-loan-repayment-calculator/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-09 - Modified: 2025-12-10 - URL: https://www.mybudget.com.au/faqs/ Get quick answers about how MyBudget works, from budgeting support to debt debt help. Can’t find what you need? Our friendly team is here to assist you. Contact us. - Published: 2025-12-09 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/bloom-employee-financial-wellness/thank-you/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-04 - Modified: 2026-06-30 - URL: https://www.mybudget.com.au/careers/ MyBudget Careers Australia | Make A Difference Every Day MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeCareers Be Part of Our Dynamic Team We offer a culture of trust, collaboration and excellence where our employees are at the heart of everything we do. See open positions Sam, Maddy & Jay | MyBudget team members Tammy Barton | Founder & Director Our purpose Tammy Barton founded the business in 1999 with a clear vision to eliminate financial stress in the community and improve the financial health of the world.At MyBudget, everything begins with that purpose. We exist to help people live free from money worries, and every role in the business contributes to that mission. Whether you’re supporting clients directly, designing smarter systems, or analysing data to improve financial outcomes, the work our team does genuinely changes lives. Our culture & values We’re a values led company built on care, compassion, and accountability. You’ll be part of a dynamic team that believes financial wellbeing is life-changing, and that great service comes from people who feel supported and inspired. Our culture balances heart and high performance: we strive for excellence, but we look after each other along the way.     Financial responsibility Our clients are at the heart of everything we do. We act in their best interests, providing solutions that appropriately meet their financial goals and needs. We care We respond to our clients’ needs compassionately and authentically, without judgment. We make a difference We deliver tailored-solutions that truly enhance our clients’ lives. Tammy & Vanessa | MyBudget team members Your career grows with us You’ll find growth opportunities everywhere at MyBudget. Through training, coaching, leadership development, and mentorship, we invest deeply in helping every team member reach their full potential.We encourage and celebrate curiosity, continuous improvement, and new ideas because innovation drives our ability to make a difference for more people, in more places. Maddy & Dani | MyBudget team members Your chance to collaborate and create change We’re a business that truly lives its values. Our wellbeing and diversity and inclusion committees are open to all team members, creating spaces where every voice can be heard and every idea can make a difference. With offices in Australia, the Philippines, Sri Lanka, and the UK, we are proud to offer global opportunities to connect which create a close knit, caring culture no matter where in the world you are. Ben | MyBudget team member Our benefits At MyBudget, we believe that when our people thrive, so do our clients.... - Published: 2025-12-04 - Modified: 2026-01-30 - URL: https://www.mybudget.com.au/fifo-budgeting/ FIFO Workers - Savings & Budgeting Solutions | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeFIFO Budgeting Budgeting help for FIFO workers A tailored budget plan to make the most of your income. Enquire now FIFO life is unique. With changing rosters and fluctuating pay cycles, a clear money strategy helps you stay in control and get ahead. Get visibility and control of your money Pay bills on time, get out of debt and start saving Plan for your future with confidence. Megan & Creagh | MyBudget clients 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 that shows you exactly where your money is going and how you can start saving. Build a budget We help you build a budget that supports your lifestyle. Whether you want to stop living pay to pay, get out of debt or start saving for a holiday, we help you budget for the life you want. Get back on track Our caring team and custom budgeting technology manages your income, bill payments and automates your savings, 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 you for the unexpected. Enjoy peace of mind by having savings and flexibility built into your budget. Get 24/7 visibility Instantly see how changes affect your budget plan, track spending easily and see 12-months ahead for total peace of mind. You don’t have to do it alone We’re with you every step of the way. We care about you achieving your financial goals as much as you do, which is why an expert Money Coach is only ever a phone call away. FIFO budgeting FAQs Can’t find what you’re looking for? See more 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. 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... - Published: 2025-12-04 - Modified: 2026-06-04 - URL: https://www.mybudget.com.au/debt-consolidation/ Debt Consolidation Solutions & Loans for Bad Credit | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeDebt Consolidation Debt Consolidation Solutions Struggling to manage repayments? MyBudget’s debt consolidation solutions help Australians combine debts into one simple, affordable plan. Pay off debt faster with a clear repayment plan Reduce interest rates and fees Stop creditor calls and relieve financial stress. Get started Free appointment | No long-term, lock-in contracts Megan & Creagh | MyBudget clients How does debt consolidation work Combine debts into one simple plan MyBudget combines your debts into one simple payment, helping you stay organised, reduce interest and make faster progress toward becoming debt free. Personalised debt consolidation We create a debt consolidation plan that fits your life, balancing repayments with everyday expenses so you can stay in control while reducing debt. Automated payments managed by experts MyBudget manages your repayments for you, ensuring loans and bills are paid on time so you can relax knowing everything is handled securely. Build financial security while paying off debt Your plan includes a savings buffer, helping you build financial security while paying off debt and preparing for the unexpected. Improve cash flow and start saving money Consolidating your debts can lower repayments and free up income, helping you save on interest and improve your cash flow sooner. Support from MyBudget every step of the way Feel supported at every step. Adjusting your plan is easy so you reach your financial goals with clarity and confidence. MyBudget saved $2 million in client debt arrangements in 2025. Debt consolidation success story Australian debt relief solutions Callum and Sally were juggling 17 different debts, with monthly repayments totalling $5,841 and constant financial stress.What changed after consolidating their debts:One simple monthly repaymentNearly 30% lower repaymentsSaved $1,741 each month.At MyBudget, debt consolidation isn’t just about getting out of debt, it’s about helping families reach their money goals. Debt consolidation calculator – see your savings instantly Run the numbers quickly. Our free Debt Consolidation Calculator shows how much you could save each month by combining multiple debts into one simple repayment. With the calculator, you can:Compare your current repayments to one consolidated amountEstimate monthly savings and interest reductionsSee how much faster you could become debt free.If you’re juggling credit cards or personal loans, use the Debt Consolidation Calculator to get instant clarity and take the first step toward financial freedom.Calculate my savings Leah | MyBudget team member Our debt consolidation solutions Tailored debt relief solutions to suit your needsConsolidate credit card debt, personal loans, or... - Published: 2025-12-04 - Modified: 2026-01-19 - URL: https://www.mybudget.com.au/credit-card-debt/ Credit Card Debt Solutions: Pay Off Debt Faster and Stress Less MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeCredit Card Debt Credit Card Debt Get your credit card debt under control with tailored debt solutions and pay them off faster. Get started Free appointment | No long-term, lock-in contracts   Watch their story " MyBudget helped us pay off five credit cards and start saving for a home. " Megan & Creagh | MyBudget Clients Get out of the credit card debt cycle Tailored budget plan We create a realistic budget plan based upon your income and expenses to reduce your reliance on credit cards to stop you getting further into debt. Affordable arrangements If you’re in arrears, we contact your creditors to discuss your situation and work towards affordable payment arrangements, reducing the stress of unwanted calls. Credit Card Consolidation We can explore consolidation options which can reduce your total repayments, freeing up cashflow. With your budget we ensure your bills and living expenses are prioritised. See the benefits Maximise your income by saving money on interest & chargesPay off your credit card debt fasterGain greater control of your moneyStop your reliance on creditGet back on track.Get started Credit card debt FAQs Can’t find what you’re looking for? See more FAQs… How can MyBudget help me pay off credit card debt faster? MyBudget creates a personalised credit card repayment plan that budgets your bills, lifestyle costs and debt in one place. This ensures your income is allocated correctly so you can pay off credit card debt faster without relying on credit again. Structured repayments help reduce stress and support long-term financial goals. Can MyBudget speak to my creditors for me? Yes. MyBudget can contact your creditors, negotiate manageable repayment plans and help reduce collection calls. Clear communication with creditors supports a smoother credit card repayment process and allows you to focus on paying down your credit card debt without added pressure. Will joining MyBudget improve my credit score? Many clients see their credit score improve because consistent on-time payments reduce missed or late repayments. A structured credit card payment plan helps rebuild your credit file, strengthens your credit report and supports your overall financial position as you pay down credit card debt. Do I need a loan to pay off my credit card debt? No. You don’t need a loan to pay off credit card debt. MyBudget creates a realistic credit card repayment plan using your existing income. Credit card consolidation or loan options are only considered if they genuinely lower repayments and support your financial goals. What if my credit card debt feels too overwhelming? Feeling overwhelmed by credit... - Published: 2025-12-04 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/debt-management-strategies/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-04 - Modified: 2025-12-11 - URL: https://www.mybudget.com.au/budgeting-for-a-baby/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-03 - Modified: 2026-03-31 - URL: https://www.mybudget.com.au/how-it-works/ How Mybudget Works | Australian Budgeting Support & Debt Help MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeHow it works How Does MyBudget Work? MyBudget shows exactly what you can achieve with your money over the next 12-months. Our unique combination of caring Money Coaches and custom budgeting technology give you the structure and support to stay on track and achieve your financial goals faster. Get started Free appointment | No long-term, lock-in contracts. Tammy Barton | Founder & Director It's as easy as 1, 2, 3... Your financial reset starts here with a clear plan, ongoing support and simple steps to help you get back in control of your money. Chat with a Money Coach We’ll get to know your financial situation and goals. It’s confidential and obligation free. Free appointment Play video Create a personal budget Based on your income and expenses, we analyse your financial situation and design your free tailored personal budget to suit your lifestyle. No long-term, lock-in contracts Play video Live free from money worries Your budget is free to keep, or MyBudget can manage it for you. See 12-months ahead, reduce debt, start saving & achieve your financial goals. Play video 1 Previous slide Next slide Start with a free, 12-month budget Get a customised 12‑month budget plan showing what’s possible with your money. It’s free, and the choice to join is yours. Expert support to save you time Our expert Money Coaches pay your bills on-time, help you grow savings and can even talk to your creditors for you. Pay off debt while your savings grow Build an emergency buffer, grow your savings and plan your future, all while paying off debt. Smart tech for visibility & control Our budgeting platform gives real‑time visibility so you can track spending, manage bills and focus on what truly matters. Simple, tailored fees Fees are tailored to your situation, built into your budget and always affordable, with no hidden costs and no long-term, lock‑in contracts. Our benefits Enjoy a personalised budget, expert support and 24/7 app access to manage money, reduce debt and stay on track to achieve your goals. See how MyBudget works Personal budgeting made easy. No matter what your goal is, whether it be to save money, tackle debt, stop living week-to-week, get on top of your finances or simply free up time, MyBudget can help. Get a clear 12-month plan and support to live free from money worries. Play video Erin & Adam | MyBudget clients Why a personal budget matters Whether it’s paying off debt, managing bills, buying a home, or saving for the things that matter, a personal budget puts... - Published: 2025-12-03 - Modified: 2026-06-23 - URL: https://www.mybudget.com.au/budgeting-app/ Smart Budgeting App: Real Support. Real Results | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBudgeting App A Budgeting App for Smart Money Management Join MyBudget and get the app for budgeting that helps you manage your money with clarity and confidence. Get started Free appointment | No long-term, lock-in contracts MyBudget has transformed the way we manage money.Michelle & Phil | MyBudget clients The smart budgeting app Australians trust It’s not just an app, it’s an expert Money Coach in your pocket. Flexible budgeting Life can be unpredictable. MyBudget’s app helps you adjust your financial budget in real time, whether it’s a last-minute getaway, surprise bill or impulse treat.Adjust your budget as life happens on your phoneStay on top of unexpected expensesStay in control without sacrificing goals.Find out more See your financial future before it happens Your personalised 12-month budget plan shows projected balances, upcoming bills and future cash flow, helping you make confident financial decisions today.12-month budget forecast at your fingertipsSee projected account balances in advanceKnow what’s safe to spend with confidence.Book a free appointment We used to struggle with spreadsheets and endless calculations.Megan & Creagh | MyBudget clients A smart budgeting app, automated for you MyBudget combines smart tech with real people to make budgeting automated, personalised, and stress-free. Snap and upload bills directly in the appWe’ll automate your budget and pay your billsGet 24/7 access to your budget.Enquire today Start your journey today! With MyBudget, you can plan ahead, reduce stress, and focus on the things that matter most. Join Australia’s most trusted budgeting service today and start living life on your terms.Enquire online A budgeting app powered by real people Our powerful budgeting platform paired with real Money Coaches who genuinely care, allows you to manage your bills and forecast your cash flow with confidence. Get 24/7 access to your budgetTrack your spending and instantly see how changes affect your budgetSee 12-months ahead for clarity, security and confidence.Get in touch Budgeting app FAQs Can’t find what you’re looking for? More FAQs…. What is MyBudget? MyBudget is one of Australia’s most trusted budgeting and money-management services. For over 25 years, we’ve helped more than 130,000 Australians create personalised budgets, get out of debt, build savings, and reach their financial goals. We combine expert money coaching with powerful custom technology to organise your expenses, pay bills on time and take the stress out of managing money. MyBudget can help you build a plan that supports your long-term financial wellbeing. Can I download the MyBudget app without being... - Published: 2025-12-02 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/prepare/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-12-02 - Modified: 2026-02-17 - URL: https://www.mybudget.com.au/savings/ Save Money With A Personal Savings Plan | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeSavings Savings Plans to Reach Your Goals Make your savings goals a reality with a personal budget plan that helps you start saving money and achieve your goals sooner. Get started Free appointment | No long-term, lock-in contracts Watch their story " With MyBudget we saved over $70,000 in under two years. " Adam & Erin | MyBudget clients How to start saving with MyBudget Set your savings goals Get clarity on your income, expenses and savings mapped 12 months ahead so you always know when you’ll reach your goals. A budget built to grow savings Your tailored budget includes a savings plan designed around your lifestyle so you can save for holidays, a home deposit or healthy money habits. Savings are automated We take care of bills and savings for you so your money grows consistently without the stress of managing it yourself. Build a safety net Your plan sets aside emergency funds for life’s surprises, giving you confidence and financial protection when the unexpected happens. Savings plans to fit your life A tailored plan that builds savings, supports your lifestyle and speeds up your progress towards money goals. Support when you need it Caring Money Coaches combined with custom tech help you to stay on track. Support is just a phone call away. On average, families save $3,500 for holidays each year with MyBudget Watch their story " "MyBudget has helped us achieve our goals faster than we ever thought possible." " Erin & Adam | MyBudget clients Our Fees Easy & Affordable At MyBudget, fees are simple, transparent and designed to fit your budget. Your first appointment is free, including a personalised 12-month plan you can keep. If you choose to join, fees are tailored to your situation, built into your budget and easy to manage, with no hidden costs – and we only proceed if the plan is truly affordable for you.Sustainable, tailored feesNo long-term lock in contractsWe only go ahead if it’s affordable for you.130000+ People helped 25+ Years of service What are you saving for? Use our free Savings Calculator to map out your savings goals quickly and clearly. It helps you see how your money can grow with regular deposits and interest so you can plan ahead with confidence. Plan a house deposit, holiday or emergency fund with clear targetsTrack how regular contributions grow your savings over timeUnderstand how small changes can help you reach your savings goals faster.Calculate savings The way you manage your money, goes a long way to live your life turning out the way... - Published: 2025-12-02 - Modified: 2026-04-23 - URL: https://www.mybudget.com.au/debt-solutions/ Australia’s Leading Provider Of Debt Solutions | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. 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Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeDebt Solutions Debt Solutions to Get Back on Track Understand all of your debt relief options and create a realistic plan to pay off debt faster with clarity and confidence. Get started Free appointment | No long-term, lock-in contracts Watch their story " We've paid off 5 credit cards in 10 months. Finally, I can breathe. " Megan & Creagh | MyBudget clients Affordable debt solutions There are many ways to get into debt, just like there are many ways to get out of debt. That’s why every debt solution and personal budget is created from the ground up and tailored to your personal circumstances, goals, and financial future.     Creditor negotiation Expert help to negotiate with creditors for reduced repayments or waived interest. Debt agreements Tailored, legally binding solutions like Part 9 or Part 10 agreements to help you gain control of unmanageable debt. Improved credit score Assistance in managing your debt repayments, which can result in improvements to your credit score over time. Credit card debt help Strategies to reduce high-interest credit card debt and regain financial stability. Debt consolidation Struggling with multiple debts? There are many ways to consolidate debt. Understand your options to make the right decision. Bankruptcy guidance Understanding your options and navigating the bankruptcy process with expert support when no other solution fits. Watch their story " There's no judgement. These guys are so helpful and understanding. " Megan & Creagh | MyBudget clients Megan & Creagh paid off 5 credit cards in 10 months 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:A Debt repayment plan to pay off debt faster Automated payments to ensure bills paid on timeExtra repayment strategies to minimise interest.Enquire now$91000 Paid off $2000000+ Saved for clients in interest & fees in 2025 Pay off debt and save money Debt happens, but staying in debt doesn’t have to. With the right budget and support, you can start reducing debt confidently without relying on new loans or credit cards. Find the right debt solution We look at all of your options and put a debt management plan in place. We'll then build a budget that shows where your money goes and how to redirect it toward paying off debt. Watch your savings grow Build an emergency buffer, grow your savings and plan your future, all while paying off debt. 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Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeMyBudget Loans Lending Made Easy Our caring team of Lending Experts understand your needs and explore all of your options, making it easy to find the right lending solution for you. Specialists in non-conforming lending Caring, stress-free approach Experienced lending experts. Book a 15 min call MyBudget Loans team Pay less, live more with the right loan solution MyBudget Loans is committed to helping you find the right loan, whether you’re refinancing your home loan, buying your first home, or consolidating your debts. Get into your own home sooner Our passionate team can help you navigate home buyer schemes. We’ll help you find the right loan and can even assist with your application. Reduce your payments Request a FREE Home Loan Health Check today. Our lending team can review your current mortgage and look for savings by exploring all of your options. Simplify your debts Reduce stress and save money by exploring your debt consolidation loan options. Restructure multiple repayments into one simple, manageable loan that fits your budget. Erin & Adam | MyBudget clients Experience the MyBudget Loans difference Innovative loan solutions – no matter how complexCaring & stress-free approach – nothing is too difficultKnowledgeable & passionate team – experts in non-conforming lending for refinancing & home loans. Clients refinancing with MyBudget Loans save on average $10,000 in repayments per year *Based on data as of January 2024 How much could you save? Home loans We go far beyond what a typical broker offers. We handle the heavy lifting, making the entire process as stress-free as possible for you. Debt consolidation Are high-interest debts hurting you? Are you juggling multiple debts? Let our debt consolidation experts make a difference by finding a simpler, money-saving loan for you. Mortgage refinancing Are you paying too much for your mortgage? Would you like to release equity in your home? We’ll go the extra mile to help you free up cash and potentially save thousands. Car loans Our experienced lending team will help you compare rates, loan features and loan terms. Don’t let a bad credit rating prevent you from talking with us. Personal loans Working towards a new car, a wedding or something else? We’ll help you find a competitive interest rate and loan term to suit your personal borrowing needs. Construction loans Building or Renovating? A building or construction loan is funded in progressive payments to your builder, so you only pay interest on the... - Published: 2025-11-28 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/bloom-employee-financial-wellness/template/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-11-27 - Modified: 2025-12-01 - URL: https://www.mybudget.com.au/feeschedule/ What is the MyBudget fee schedule? Effective 16th October 2023 (all fees are in $AUD and include 10% GST), fees are subject to change. See your Terms of Service or Budget Plan for when these and other fees may apply. We will advise you of fees and if they are applicable at the time you make the relevant request. FEE TYPE Unbudgeted withdrawals FREE Transactions processed immediately outside of regular payment runs $22. 00 Arrangements fee (per) $55. 00 - Published: 2025-11-27 - Modified: 2025-12-03 - URL: https://www.mybudget.com.au/dc-video/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-11-27 - Modified: 2026-07-13 - URL: https://www.mybudget.com.au/enquire-online/thank-you/ Thank You | MyBudget MyBudget 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in 1300 300 922 Search here... Search HomeEnquire OnlineThank you Thank you for getting in touch One of our caring Money Coaches will talk with you, confidentially about your situation, answer your questions and book your FREE personal budgeting appointment. What happens next? Jonika | MyBudget team member What happens next? Initial 10-minute chat A MyBudget Money Coach will call you to gain an understanding of your position and how we can best help. Meet your Personal Budgeting Specialist One of our highly trained specialists work with you to create a budget plan to fit your lifestyle so you can start achieving your financial goals. Live life free from money worries We do all the heavy lifting for you. We pay your bills, manage your budget for you and can even speak with your creditors. What happens after you contact us? Play video - opens in a lightbox We have been with MyBudget for several years. 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. Ali | MyBudget client Previous slide Next slide MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Log In Refer a Friend Unclaimed Funds Client Resolutions and Compliments © 2026 MyBudget Pty Ltd, ACN ‍093 118 597 AFSL and Australian Credit Licence 391759 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. MyBudget Loans Pty Ltd, ACN ‍613 857 104 Australian Credit Licence 492064 MyDebtSolution Pty Ltd, ACN ‍125 292 739 Registered Debt Agreement Administrator No. 1173 - Published: 2025-11-27 - Modified: 2025-12-16 - URL: https://www.mybudget.com.au/social-media-promotions-terms-conditions/ MyBudget Christmas in July Giveaway (the “Competition”) Terms & Conditions The promoter of this Competition is MyBudget Pty Ltd ABN 82 093 118 597 of 122 Frome Street, Adelaide SA 5000 (“MyBudget”). The Competition commences at 7:00 pm ACST on Wednesday 23 July 2025 and ends at 9:00 am ACST on Thursday 31 July 2025 (“Competition Period”). Entry to the Competition is free and open to all residents of Australia aged 18 years and over, who follow the below steps to receive an entry into the Competition (“Entrant”). An Entrant will receive one entry into the Competition when they: Instagram Follow the MyBudget account (@mybudgetau); Like the competition post; and Tag a friend, family member or loved one in the comments of the competition post. Facebook Like the MyBudget account (@MyBudget); Like the competition post; and Tag a friend, family member or loved one in the comments of the competition post. The same individual can enter the competition on both Instagram and Facebook, by following the steps for the applicable platform. The Competition will be drawn on Thursday 31 July 2025 at 12:00 pm ACST. MyBudget will draw two winners randomly from all entries received. Each prize is a $250 Prezzee Gift Card, which will be delivered to the winner’s specified phone number or email (“the Prize”) by MyBudget. Where the drawn winner is a current MyBudget client, they can, in the alternative, elect to have the Prize paid to their MyBudget account. The total prize pool is valued at $500. The Competition is a game of chance conducted at random. The results of the draw are final and MyBudget will not enter into correspondences regarding the results. The winner will be contacted on the date of the respective draw. The Prize is non-transferable, non-exchangeable and cannot be redeemed for cash. By entering the Competition, Entrants consent to MyBudget using their name on Facebook and Instagram accounts, its websites, and within its electronic direct mail communication pieces. MyBudget reserves the right to reject an entry if it reasonably forms the opinion that it was automated by a computer or was in any way undertaken by a person who did not use a genuine personal social media account on the applicable platform. 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Any use of personal information will be in accordance with applicable privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This competition is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, Twitter or any other third party, except where explicitly indicated otherwise. Employees of MyBudget are not eligible to participate in or win this giveaway. Entry into the Competition is deemed an acknowledgement and acceptance of these terms and conditions. - Published: 2025-11-27 - Modified: 2026-05-18 - URL: https://www.mybudget.com.au/bloom-employee-financial-wellness/ Employee Financial Wellness Program | Bloom by MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. 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Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBloom Employee Financial Wellness Boost Productivity & Retention Through Financial Wellbeing Become a leader in workplace financial wellness with Bloom. Watch your people and your business flourish. Elevate your employee benefits   Tammy Barton | Founder & Director Bloom proactively addresses the #1 cause of stress in Australia, financial health…!Tammy Barton | Founder & Director of MyBudget Why Bloom? The real cost of employee financial stress Financial stress costs Australian businesses $88.95 billion in lost revenue every yearFinancially stressed employees spend an average of 11 hours per month dealing with personal finances at work22% of workers take time off to deal with creditors or debt management. Source: AMP Report, 2024 Prioritise your employees’ wellbeing and see the results Financial stress doesn’t stay at home, it comes to work too. It can cloud focus, drain energy, and chip away at morale. Bloom is your way to show that you care deeply about their whole wellbeing, not just their productivity. Bloom gives your people the tools and support to feel secure and confident with their money, so they can bring their best selves to work. Source: Beyond Blue Report, 2024 How is Bloom different from other wellness programs? While most wellness programs focus on physical or mental health, Bloom proactively addresses financial health, the #1 cause of stress in Australia. It’s proactive, practical, and personalised, with real outcomes that support both the employee and the business to thrive. Higher productivity and staff retention Lower turnover, absenteeism, and burnout Stronger employee engagement and improved mental health Elevate your employee benefits! Request your free Bloom Info Pack today and our team will be in touch.Get your free Bloom Info Pack Luke | MyBudget team member Is Bloom easy to implement? Yes! We make it effortless. From onboarding to employee communications, our team handles everything.No cost to your business*We take care of all onboarding, rollout, and staff communicationsMinimal admin required, our expert team manages everything for youYou choose your level of involvement, with optional employer contribution.*Several program options available.Find out more Your benefits, transformed. Financial wellbeing with Bloom What your people get: A clear 12-month budget planSupport to reduce debt and build savingsBudgets tailored to help them achieve their goalsAutomated bill payments that minimise distractionsConfidence through an all-in-one money management tool.The result: Employees feel less stressed, more secure, and more focused, so they can bring their best selves to work. FAQs Can’t find what you’re looking for? See more FAQs… What is Bloom? Bloom... - Published: 2025-11-26 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/subscribe/ Subscribe For Expert Budgeting And Money Tips | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. 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See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About MyBudget Who we are How it works Contact us Enquire Online How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About MyBudget Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About MyBudget Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Mortgage Stress Calculator About MyBudget Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About MyBudget Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. 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Introducing Bloom: tackle financial stress in the workplaceWhat can I claim on my tax return? | Tax time tips for Australians from Tammy Barton at MyBudgetStop overpaying for bills! 4 easy ways to cut down household expensesHow MyBudget can help | Your path to financial freedom | Manage money, get out of debt and savePodcastsGetting back on your feet financiallyCould a budget save your marriage? | MyMoney MyStory podcastKylie and Scott get back on their feet | MyMoney MyStory podcastAlyssa and Pete’s debt-free journey to one income | MyMoney MyStory podcastResourcesChristmas Budget CalculatorTax Return ChecklistElectricity Bill ChecklistNewborn & Baby Essentials Checklist6 Steps to Eliminate Credit Card Debt eBook10 Steps to Get Out of Debt eBookHealthy Meal Planning on a Budget GuideHome Buyers GuidePersonal Budget TemplateGoal Setting TemplateGet a Better Deal Checklist - Published: 2025-10-31 - Modified: 2026-04-08 - URL: https://www.mybudget.com.au/lead-market-mbl-booking/ Lead Market MBL Booking | MyBudget MyBudget Client Log in 1300 300 922 Search here... 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Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. 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MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Log In Refer a Friend Unclaimed Funds Client Resolutions and Compliments © 2026 MyBudget Pty Ltd, ACN ‍093 118 597 AFSL and Australian Credit Licence 391759 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. 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Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in 1300 300 922 Search here... Search HomeAppointment Appointment Welcome to MyBudget! Please take a moment to watch the video, which explains how your free consultation works and the results you can expect. Great! Let’s get started with your budget. Your Personal Budgeting Specialist will now guide you through the process. Click the next arrow when prompted by your Personal Budgeting Specialist Have you completed Credit Sense? Fully secure An Australian owned company, Credit Sense is a safe and secure service to verify your financial and transactional information. Quick and easy It only takes a couple of minutes to complete. It also alleviates the need to provide paper bills and bank statements. Accurate budget Most importantly, it results in a budget that is detailed and accurate, which helps to get your budget set up for success! No, let's do it Yes, continue Skip Credit Sense What happens next... See more client success stories How Jon overcame credit card debt and became financially free How Adam and Erin reached their savings goal Five clients, five lives changed How does MyBudget work? Check out how the MyBudget App helps you stick to your budget Your Personal Budgeting Specialist is crunching the numbers Feel free to take a break, close this window or browse our blog for great money tips and tricks. Visit MyBudget MoneyHub Previous slide Next slide Close modal We take your security seriously In the next steps… Personal Details You will be asked for personal details including your internet login details. 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MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Log In Refer a Friend Unclaimed Funds Client Resolutions and Compliments © 2026 MyBudget Pty Ltd, ACN ‍093 118 597 AFSL and Australian Credit Licence 391759 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this... - Published: 2025-10-28 - Modified: 2026-07-07 - URL: https://www.mybudget.com.au/prepare/secure-credit-sense/ Credit Sense | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. 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Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomePrepare for your appointmentCredit Sense Credit Sense Continue iframes are not supported in this browser MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Log In Refer a Friend Unclaimed Funds Client Resolutions and Compliments © 2026 MyBudget Pty Ltd, ACN ‍093 118 597 AFSL and Australian Credit Licence 391759 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. 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MyBudget Loans Pty Ltd, ACN ‍613 857 104 Australian Credit Licence 492064 MyDebtSolution Pty Ltd, ACN ‍125 292 739 Registered Debt Agreement Administrator No. 1173 - Published: 2025-10-27 - Modified: 2025-12-08 - URL: https://www.mybudget.com.au/self-booking-error/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-10-27 - Modified: 2025-12-08 - URL: https://www.mybudget.com.au/self-booking/ 401 Authorization Required 401 Authorization Required nginx - Published: 2025-10-22 - Modified: 2026-03-13 - URL: https://www.mybudget.com.au/refer-a-friend-referral/ Refer a friend offer | MyBudget Australia MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeRefer a Friend Referral Change your life with MyBudget and get a chance to win $1,000* Simply enquire via this page, your entry will be recorded once you join up as a MyBudget client. *T&C's apply. Can't find the code Get started Phil & Michelle | MyBudget clients Change your life and win $1,000* Your friend loves MyBudget and knows you will too! That’s why they’re sharing this life-changing opportunity with you. At MyBudget we will:Pay your bills on time, so you never miss a paymentFast-track debt repayments and reduce stressCreate a savings plan tailored to your goals. Why choose MyBudget? For over 25 years, we’ve been helping people take control of their money, achieve their goals, and focus on what matters most. Join the 130,000+ Australians who have transformed their financial future with us. 6 reasons why MyBudget works MyBudget has helped more than 130,000+ Australians achieve their financial goals and you can too! You don’t have to do it alone We’re with you every step of the way. We care about your budget as much as you do, which is why a money expert is only ever a phone call or email away. No more stress and uncertainty When you budget with us, all of your expenses and savings are planned 12 months in advance to show exactly how your goals and money are tracking. Frees up time and energy Our money experts and automated money management system does all the work that keeps your budget on track. This frees up your time for more living. Designed around your lifestyle We help to build a budget to support the lifestyle you desire. Holidays, house deposit, date nights and more are all part of the budgeting for the life you want. Strengthen your safety net Every budget we design includes a savings safety net. Enjoy the peace of mind of having savings in the bank and flexibility built into your budget. More cash in your pocket A savings plan is not complete without a spending plan. We’ll help you create a budget that frees up cash, always leaving enough money for living. Get Started MyBudget FAQs What is MyBudget? MyBudget is one of Australia’s most trusted budgeting and money-management services. For over 25 years, we’ve helped more than 130,000 Australians create personalised budgets, get out of debt, build savings, and reach their financial goals. We combine expert money coaching with powerful custom technology to organise your expenses, pay bills on time and take the stress out of managing money. MyBudget can help you build a plan... - Published: 2025-10-22 - Modified: 2026-03-13 - URL: https://www.mybudget.com.au/refer-a-friend/ Refer a Friend | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us Enquire now How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeRefer a Friend Refer a Friend You could win $1,000* Share the life-changing gift of MyBudget and help your loved ones achieve their goals and go in the draw to win $1,000*. *T&C's apply. Can't find the code Get your code Phil & Michelle | Clients for over 13 years Phil & Michelle | MyBudget Clients Share the love to win $1,000* cash We’re here to help you and your loved ones live free from money worries.For every friend you refer who enquires with MyBudget, you’ll earn an entry into the draw to win $1,000*. Plus, when your friend activates their MyBudget account, they’ll also go into the draw.There’s no limit to how many friends you can refer, and the prize draw resets every three months – so keep sharing! Here’s how it works Sharing your unique referral code is as easy as 1, 2, 3… Step 1 Tap the ‘share now’ button below. Step 2 Your friend will receive a link to enquire through the landing page or share your unique referral code with our friendly team when they enquire. Step 3 Once your friend enquires, you’re automatically entered to win $1,000*. Remember, the prize draw resets every three months – so keep referring! Get your code Matt & Tiana | MyBudget client and previous draw winners Message from our last winner “Joining MyBudget has truly changed our lives. It’s taken the stress out of managing money and given us peace of mind. We’re so thankful and would highly recommend MyBudget to anyone wanting to feel more secure, organised, and in control of their money.” Matt & TianaMyBudget client and previous draw winner  Term & Conditions REFER-A-FRIEND OFFER (the “Competition”)The promoter of the Competition is MyBudget Pty Ltd ABN 82 093 118 597 of 122 Frome Street, Adelaide SA 5000 (“MyBudget”).The Competition commences on 1 January 2025 and ends on a date decided by MyBudget (“Competition Period”). The Competition will be drawn at the end of every calendar quarter during the Competition Period.Entry to the Competition is free and open to: existing MyBudget clients who refer new clients to MyBudget in accordance with the Competition Terms and Conditions (each a “Referrer”); ornew clients who sign up to MyBudget after having been referred by a Referrer in accordance with the Competition Terms and Conditions (each a “Referred Client”).A Referrer will receive one entry into the Competition for every Referred Client they introduce to MyBudget, provided the Referred Client: successfully completes an enquiry by either completing a discussion with a member of MyBudget’s New Enquiries team or inputting their details... - Published: 2025-10-21 - Modified: 2026-05-19 - URL: https://www.mybudget.com.au/kyc/ Know your customer | MyBudget Australia MyBudget 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. 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Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. 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Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBudgeting Help Reach Your Money Goals With a Personal Budget No matter what your financial goals are, being able to budget effectively is the key to achieving them. Get started Free appointment | No long-term, lock-in contracts Erin & Adam | MyBudget clients Budgeting support to help you take control When you budget with us, your income and expenses are planned up to 12-months ahead. We provide structure and support so that your bills are paid on time, your debt is reducing and your savings are growing. Build a personal budget We help you create a realistic plan that supports your lifestyle and your financial goals, paying off debt, saving for the future, and enjoying the life you want. Automate bills & savings Our custom technology keeps bills paid and savings growing, so life runs smoothly freeing up time to stop worrying about money and start living. Support when you need it You’re never on your own. Our caring Money Coaches help you stay on track and keep moving toward financial freedom. Support is always just a call away. Watch their story " We saw where our money was going and got a plan for the future " Erin & Adam | MyBudget clients Why is budgeting important? A budget shows you where your money is going, what your commitments are and how close you are to achieving your financial goals.What are the benefits of having a budget?Track spending to stay within your meansReduce stress by planning for bills and unexpected costsPay off debt, grow savings and plan confidently.With the right visibilty, structure and support, see how your financial situation can improve with MyBudget.130000+ People helped 25+ Years of service Tara & Tammy | MyBudget team members How much does MyBudget cost? At MyBudget, it’s not a one-size fits all approach. Your 12-month budget is tailor made for you. Fees are transparent. They’re dependent on the complexity of your financial situation and based upon the level of support you need.Your first appointment is freeTake home a tailored 12-month budget planNo long-term, lock-in contracts.Read more... Erin & Adam | MyBudget clients Erin & Adam saved $70,000 in 2 years Erin and Adam turned financial uncertainty into stability, with a clear budget and a supported plan to reach their goals. Here’s what they achieved:Saved over $70,000 for major life goalsSwitched from stressful spreadsheets to a clear, simple systemAchieved milestones like buying a home and starting a family.Get started Personal budget FAQs Can’t find what you’re looking for? See more FAQs…  What is MyBudget? MyBudget is one of... - Published: 2025-08-27 - Modified: 2026-05-18 - URL: https://www.mybudget.com.au/ For over 25 years, MyBudget has helped 130,000+ Australians achieve their financial goals. ## Articles - Published: 2026-07-09 - Modified: 2026-07-09 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-the-australian-rising-living-costs-jul-26/ - Categories: In the media Tammy Barton featured in The Australian – July 2026 on managing rising living costs With the cost of living continuing to put pressure on household budgets, The Australian turned to MyBudget Founder Tammy Barton for practical advice on managing rising expenses. Tammy shares simple, actionable strategies to help Australians reduce everyday costs, build a budget and regain control of their finances during uncertain economic times. Read the full article on The Australian → https://www. theaustralian. com. au/wealth/personal-finance/slash-bills-and-build-a-budget-to-survive-high-inflations-cost-crunch/news-story/f749d1ba78942c43c91f05fbb7103b51 Or you can download the pdf here. If you're feeling the pressure of rising living costs, a personalised budget can help you organise your money, reduce financial stress and plan ahead with confidence. Enquire today - Published: 2026-07-07 - Modified: 2026-07-07 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/why-am-i-always-broke/ - Categories: Money Management Wondering why you're always broke? Discover spending habits, money traps, and budgeting tips that help Australians stop living pay to pay. Even if your financial beginnings weren’t perfect, it’s never too late to change your money story. Were you ever taught how to manage money? So many Australians are stuck living pay to pay, wondering, “Why am I broke all the time? ” or “Why don’t I ever have money left over? ” It’s especially tough when the cost of living keeps rising, groceries seem to eat half your pay, and your bank account ghosts you a week before payday. According to Anglicare Australia’s 2025 Cost of Living Index, a person on minimum wage is left with just $33 a week after paying for rent, food, and transport expenses. But I'm here to tell you, being stuck in a financial rut doesn’t mean you’re bad with money. It means no one taught you how to manage it properly. Most of us were thrown into adulthood with a debit card, a phone plan, and zero financial literacy. No wonder so many people are feeling the pressure. In my case, I was actually taught to budget, my dad handed me a graph book, a pencil and a ruler as a tween and showed me how to track every dollar and categorise my spending. But there’s a big gap between knowing how to budget and having the maturity to stick to one. When I moved out young, those lessons went out the window. I was juggling independence, rent, and a fair bit of 'YOLO'. My first brush with debt? A $500 Target store credit card. I didn’t read the fine print (who does at 18? ), and with 19% interest, late fees, and minimum repayments, that tiny limit ballooned to over $1,500. There were no real-life lessons on credit, debt or bills, just trial and error. Mostly error. That experience (and a few others, sorry Dad! ) shaped how I manage money now. These days, mindfulness around my spending, saving, and credit is intentional, not accidental. And that’s the message: even if your financial beginnings weren’t perfect, it’s never too late to change your money story. This guide will help you understand the reasons you feel broke, even when you’re earning good money, and give you practical ways to shift from financial stress to financial security. So, what exactly is getting in the way of your financial goals? Let’s break down the everyday financial habits and money traps that might be keeping your budget stuck in the red. Common reasons you might feel broke (and how to fix them) 1. Subscription creep and invisible spending Your budget called: it’s time to get on top of subscription creep. Those small, recurring monthly expenses, streaming services, forgotten fitness apps, or random cloud storage upgrades, add up fast. Before you know it, you’re stuck living pay to pay and wondering where your money went. The fix: pull up your bank statements and highlight every recurring expense. Do you really need five streaming platforms and a meditation app you haven’t opened in six months? Cancel, downgrade or switch to free options where you can. It’s like a money detox. 2. The Buy Now, Pay Later (BNPL) trap It feels like magic: get it now, pay for it later. But these services often lead to impulse buying, poor money habits, and a queue of upcoming payments you forgot you even made. Suddenly your budget is on life support. The fix: pause before purchasing. Ask: “Would I still want this if I had to pay full price right now? ” If not, skip it. Instead, start saving money in advance for big-ticket items to avoid relying on BNPL. 3. Credit card reliance and high-interest debt Using a credit card to cover groceries, petrol or even your mobile plan? If you’re only making the minimum repayments, you’re likely paying a fortune in interest. This is one of the fastest ways to stay broke, no matter how much you earn. The fix: review your credit utilisation ratio (how much of your credit limit you've used) and try to keep it under 30%. Focus on repaying your credit card debt using either the debt snowball or debt avalanche method. Better yet, get support from a debt relief organisation like MyBudget. Download our free 10 Steps to Get Out of Debt eBook, it’s packed with practical strategies to help you take back financial control. 4. No savings goals or plan “Saving for a rainy day” is a nice idea... until it rains every week. Without clear goals, your savings never really build momentum. The fix: get specific. Do you want to build an emergency fund? Go on a holiday? Start saving for a house? Set financial goals that are realistic and motivating. This gives your budget purpose and keeps you focused. Need help setting a savings goal? Try our free Goal Setting Template, paired with our Savings Calculator to see what’s possible! 5. Not tracking where your money goes You tap your card a few times a day, and suddenly your account balance is screaming for help. Invisible spending is real. Without tracking, it’s easy to underestimate how much you spend on Uber eats, impulse buys, or that third coffee you didn’t plan for, because your brain insisted it was essential to survive to 5pm. The fix: track every dollar for two weeks. Use a budgeting app, notes app, spreadsheet, or the MyBudget client app. Awareness is half the battle when trying to fix your budget. Bonus: Emotional spending Feeling stressed, bored, or “I deserve this” after a rough week? Emotional spending can sabotage even the best budgeting intentions. It’s often a coping strategy that leads to financial self-sabotage. The fix: build mindfulness into your money habits. Before a purchase, ask yourself if it aligns with your long-term goals or is just a momentary fix. Practise gratitude for what you already have and create a cash allowance for guilt-free fun money, just don’t let it hijack your entire budget. What’s the best way to stop feeling broke? The secret? A tailored personal budget plan that actually works for you, and your unique financial situation. A proper budget isn’t about saying “no” to everything. It’s about saying “yes” to the things that matter. With the right plan, you’ll know exactly how much is coming in, what’s going out, and how to make sure you’re building savings along the way. A MyBudget plan can help you: identify and cut unnecessary or recurring expenses get out of debt with a plan that shows when you could be debt free set long-term financial goals like buying a house or saving for a holiday build an emergency fund to avoid future money stress. Let MyBudget help you sort out your budget and stop living pay to pay You’re not alone. MyBudget has helped over 130,000 Australians stop living pay to pay, get out of debt, and start saving with a personalised budget plan. Get expert support and a clear roadmap for your money, without the overwhelm. Request a free Personal Budgeting Consultation or call 1300 300 922 to start turning things around today. Want more tips? Explore our dedicated collection of saving tips and strategies on the MyBudget blog. - Published: 2026-06-30 - Modified: 2026-06-30 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/winter-school-holiday-survival-guide/ - Categories: Budgeting Tips Looking for affordable school holiday activities this winter? With a little planning, you can keep the kids entertained without blowing the family budget. This guide shares free and low-cost school holiday ideas, practical budgeting tips, and family-friendly activities across Australia to help make the winter break memorable and affordable. The Aussie winter school holidays. That magical fortnight where Ugg boots become mandatory, hot chocolates multiply, and your kids rediscover the ancient art of saying “I’m bored” on repeat. And if you’re juggling work, life and tiny humans with big energy in cold weather, hats off to you. I see you, I salute you, and I get it, because I’m right there too. I’m here to help with ideas to make these school holidays feel fun, memorable and most importantly, affordable. I’ve pulled together my favourite winter school holiday activities, plus a peek into how I plan it all, budget and chaos included. What are budget-friendly school holiday activities? Budget-friendly school holiday activities are low-cost or free experiences that keep children entertained without putting pressure on the family budget. They can include outdoor adventures, library events, craft activities, local attractions and at-home games that create memorable experiences while helping parents manage holiday spending. Key takeaways You don't need to spend hundreds of dollars for memorable school holidays Planning a school holiday budget before the break helps avoid overspending Free community events, libraries and national parks provide excellent entertainment Mixing free activities with one or two special outings keeps costs manageable Involving kids in budgeting can teach valuable money skills. Need a refresher on when school is out? Here’s your updated school holiday dates across Australia. Start with a winter school holiday budget What is key to making it through the school holidays without ending up with a surprise Afterpay bill? A school holiday budget. Setting a spending limit before the holidays begin makes it easier to enjoy activities without relying on credit cards or Buy Now Pay Later. Even a small entertainment budget can stretch surprisingly far when you mix free outings with one or two paid experiences. Whether it’s $50 or $500, knowing your number helps you say yes to the fun stuff without that post-holiday money hangover. Grab MyBudget’s free Personal Budget Template to map out your school holiday spending. Think of it as a to-do list for your money, with room for hot chocolates or movie snacks. If you're new to budgeting and want to set yourself up for success, this step-by-step guide to creating a personal budget will walk you through it. If you’re too busy for a DIY household budget, I get it. Did you know, MyBudget can do it for you? Setting you up with a personalised budget plan, paying all of your bills, helping you save and stay on track. No spreadsheets, just your money, sorted. Request a call from one of our money experts today. 5 Free or cheap winter activities for kids to stay busy and happy Let’s start with my favourite category: free (or very close to it). Winter might mean more jumpers and fewer beach days, but the fun doesn’t need to cool down. 1. Visit your local national park – yes, even in winter National parks and nature reserves are perfect for outdoor activities like walking hiking trails, wildlife spotting, and scavenger hunts. With crisp air, fewer crowds and lots of natural beauty, you can turn a day in the outdoors into a budget-friendly adventure. Don’t forget snacks, warm layers, and maybe even a thermos of soup for a scenic picnic. 2. Host a family board games or puzzles tournament Turn the loungeroom into a mini Olympics. Board games, puzzles, card games, or even a DIY obstacle course. Winner gets bragging rights as the official school holiday champion (until next round of UNO, of course). You can even hit the op shop or toy library for a few “new-to-you” games on the cheap. It’s indoor fun that doesn’t involve screens. 3. Rug up and do a local park scavenger hunt Cold? Sure. But with the right jacket, and coffee, the outdoors is still open for business. I like to prep a winter-themed scavenger hunt before we go, just ask your AI chatbot to whip up a printable list in a flash. Think: pinecones, muddy puddles, barking dogs, or even better, something heart-shaped in nature. Reward their efforts with hot chips or ice-cream on the way home. Parenting level: expert. 4. Backyard camping or cubby house takeover Set up a tent, build a blanket fort or create a cubby house indoors. Add fairy lights, snacks and a movie night to turn your home into a winter adventure zone. It’s one of the easiest and most affordable family activities you can do. 5. Libraries = warm, free entertainment Your local library is a school holiday MVP. From craft sessions and storytelling to recipe workshops and LEGO clubs, there's usually something going on. Best of all? It’s indoors, it’s warm, and it’s gloriously free. Free vs paid school holiday activities Before diving into the options below, it’s helpful to compare a range of affordable winter school holiday activities side by side. The table outlines different ideas, along with their estimated costs and key benefits, so you can quickly find something that suits your family’s budget and interests. Free ideas Paid ideas National parks Zoo visits Library events Cinema Scavenger hunts Animal parks Backyard camping Museums Board games Ice skating What school holiday activities are worth spending money on? Got a bit of wiggle room in your school holiday budget? Here are a few paid activities that can add a special touch without blowing your household budget. Book a budget cinema day School holiday flicks are a classic for a reason. Many cinemas offer discounted family tickets or morning screenings. Bring your own popcorn and drinks to avoid the snack bar sting. Or create your own movie day at home with DIY tickets and themed snacks. Visit your local zoo, wildlife park or animal sanctuary Zoos and animal sanctuaries often run winter school holiday activities. The animals are usually more active in cooler weather, and it’s a great way to spend a full day out. Check for discount days, and use public transport where possible for extra savings. Visit art galleries, museums or botanical gardens Rainy day? Sorted. Museums and art galleries often have winter holiday programs for kids. Try science museums, Australian art exhibits or interactive installations. Great for indoor days that are fun and educational. DIY craft activities at home Warm up in the kitchen with some baking or get crafty using recycled materials. Think salt dough ornaments, sock puppets, cardboard box castles or scrap paper snowflakes. How my family plan for school holiday fun: a peek inside our budget In our house, the school holiday budget is a whole family event in itself! This winter, we’ve got $250 in our ‘fun fund’ and here’s how we’re spending it: $120 – trip to Monarto Safari Park $80 – movie day at the cinema with BYO popcorn $50 – spontaneous fun pot (ice skating, milkshakes or bowling if we find a good deal). The rest of the days? Covered with free and easy wins, parks, puzzles, board games and whatever fun we can squeeze out of leftover craft supplies. My youngest is also selling old toys on Facebook Marketplace to top up the holiday budget. She calls it her side hustle. I call it genius. Do school holidays have to be expensive? Some of the best school holiday moments come from the simplest things: a whole family YouTube drawing lesson, laughing over board games, or watching the kids fall asleep in a blanket fort you swore you'd pack up yesterday. You don’t need a big budget to create beautiful memories. Just some planning, a bit of creativity, and the willingness to say yes to small moments. MyBudget tip Families often tell us they overspend during school holidays because the costs build up little by little rather than through one big purchase. Planning a holiday budget before the break helps you enjoy quality time together without worrying about the bills afterwards. The bottom line School holidays don't have to be expensive to be memorable. Setting a holiday budget, mixing free community activities with one or two special outings, and planning ahead can help families enjoy quality time together while staying in control of their finances. Need help planning for school holiday costs? Whether it’s planning for the school holiday break or getting ahead on bills, MyBudget helps families create plans that work. We’ve helped over 130,000 Australians set up a personal budget that fits their lifestyle and goals and gives a life free from money worries. Enquire online or call us on 1300 300 922. There’s no obligation, just a solid plan, more quality time, and a whole lot less stress. Here’s to school holiday fun, winter-style: less spending, more laughing, and hopefully zero meltdowns (from kids or parents). We've got this! - Published: 2026-06-29 - Modified: 2026-07-01 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-top-100-founders-ceos-2026/ - Categories: In the media Tammy Barton recognised among Australia's Top 100 Female Founders & CEOs We're incredibly proud to share that MyBudget Founder & Director, Tammy Barton has been recognised as one of Australia's Top 100 Female Founders & CEOs, and named among South Australia's Top 20 Female Founders & CEOs by The Advertiser. For more than 25 years, Tammy has been helping Australians take control of their money, building MyBudget into one of the country's most trusted personal budgeting services. This recognition celebrates not only her entrepreneurial journey, but her ongoing commitment to improving the financial wellbeing of thousands of Australian families. Read the full article on The Advertiser → https://www. adelaidenow. com. au/business/work/women-in-leadership/breaking-the-boys-club-sas-top-20-female-founders-ceos/news-story Or you can download the pdf here. If you would like to see how Tammy’s proven budgeting approach can help you take control of your finances, we’re here to help. Enquire today - Published: 2026-06-23 - Modified: 2026-06-23 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/best-side-hustles/ - Categories: Savings Tips What are the best side hustles in Australia? The best side hustles in Australia are flexible ways to earn extra income outside your main job, such as freelancing, pet sitting, rideshare driving, online tutoring, selling products online, virtual assistant work and content creation. The right side hustle depends on your skills, available time and income goals. Many Australians start a side hustle to manage rising living costs, pay off credit card debt, build an emergency fund or save for major goals such as a holiday, home deposit or new car. Some side hustles can be done entirely from home, while others offer flexible evening or weekend work. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing key takeaways, highlights, and how MyBudget helps turn extra income into real progress. - Published: 2026-06-18 - Modified: 2026-06-18 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/save-electricity-reduce-energy-bill/ - Categories: Savings Tips MyBudget clients Pete and Alyssa no longer worry about the cost of living crisis. With a personalised cost of living budget, debt relief solutions, and savings plan from MyBudget, their money stress is under control in Australia. Do your electricity bills seem to climb every winter, leaving less room in your budget for everything else? You're not imagining it. As temperatures drop, Australian households typically use more electricity for heating, hot water, lighting and indoor activities. With electricity prices continuing to put pressure on household budgets, even small increases in energy usage can quickly add up. The good news is that staying warm doesn't have to mean sacrificing your financial goals. By making a few simple changes around the home, you can save electricity, reduce energy costs, lower your electricity bill and keep more money in your pocket this winter. - Published: 2026-06-17 - Modified: 2026-06-17 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/money-moves-financial-reset/ - Categories: Tammy's Thoughts Every year around June and July, Australians are bombarded with the same seasonal advice: organise your receipts, maximise your deductions, and secure your tax refund. But after more than 25 years of helping Australians take back control of their money, I have noticed something interesting. The people who make the most profound, lasting improvements to their finances aren’t necessarily the ones who walk away with the biggest tax refund. Instead, they are the ones who shift their focus toward building daily money habits, setting aside a secure financial buffer, and putting a structured, 12-month system in place. This works because long-term stability rarely comes from a once-a-year windfall, it is built on the steady, consistent choices that create real momentum over time. While a tax refund might give you a temporary boost for a few weeks, building better money habits is the real financial reset you need. It is an opportunity to pause, look ahead with clarity, and make a few intentional changes before stepping into a new financial year. If you are ready to make that shift, these are the five simple money moves I recommend starting with today. - Published: 2026-06-12 - Modified: 2026-06-13 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/debt-consolidation-is-it-right-for-you/ - Categories: Debt Help Debt consolidation is a way to combine multiple debts into one loan, but whether it is the right choice depends on your financial situation. For some Australians, it can simplify repayments and reduce interest, while for others, a structured personal budget may be a more effective way to get out of debt. The best option comes down to your income, expenses, and ability to manage repayments long term. - Published: 2026-06-11 - Modified: 2026-06-11 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/considering-a-part-9-debt-agreement/ - Categories: Debt Help If you have started searching for a Part 9 debt agreement (also known as a Part IX debt agreement), chances are things feel pretty overwhelming right now. Maybe you are juggling multiple debts, struggling to keep up with repayments, or feeling the pressure of creditor calls and overdue bills. When financial stress starts affecting your sleep, relationships, or peace of mind, it is natural to look for a solution that offers relief. A Part 9 debt agreement is one option available to Australians experiencing serious financial hardship. For some people, it can provide a structured pathway forward. But because it is a formal insolvency arrangement governed by Australian law, it is important to understand exactly what it involves before making a commitment. Before you consider a Part 9 debt agreement, it is worth remembering that while it can be an effective solution for some Australians, it is not your only option. Depending on your circumstances, you may also be able to explore: Hardship arrangements Informal repayment plans Debt consolidation Refinancing Budgeting support Financial counselling. The right solution depends on your income, assets, debts, and long-term goals. Before you make any big decisions, downloading our free guide, 10 Steps to Get Out of Debt, can give you a practical, step-by-step framework to help you map out a way forward. - Published: 2026-05-27 - Modified: 2026-05-27 - URL: https://www.mybudget.com.au/moneyhub/articles/tax/small-business-eofy-checklist/ - Categories: Tax A practical small business EOFY checklist for Australian business owners covering what to review before tax time, from record keeping and super to BAS, payroll and EOFY admin prep. Tax time has a funny habit of sneaking up while you're still busy actually running the business. One minute you're serving customers, chasing invoices, paying suppliers or trying to remember whether that BAS was lodged, and the next it's EOFY and you're knee-deep in receipts, spreadsheets and wondering where the year went. That’s exactly why a practical small business EOFY checklist matters. This guide is general educational information for Australian small business owners. If tax planning for small business feels overwhelming, this checklist is designed to make the practical side much easier to tackle. Tax obligations can vary significantly depending on whether you’re a sole trader, company, partnership or trust, so always check with the Australian Taxation Office (ATO) or your accountant for advice specific to your circumstances. - Published: 2026-05-25 - Modified: 2026-05-26 - URL: https://www.mybudget.com.au/moneyhub/articles/tax/work-related-tax-deductions/ - Categories: Tax If you need a quick, practical guide to work-related tax deductions without needing an accounting degree, this covers what employees need to know about claiming phone, internet, laptop, car and work-from-home expenses in 2026. Tax time has a special way of sending otherwise sensible adults into a spiral of tabs, tax calculators and ATO rabbit holes. If you just want the quick, practical version of what work-related expenses you may be able to claim, this guide will help you cut through the confusion, avoid common mistakes and understand what’s actually worth your time. PSA: MyBudget does not prepare or lodge tax returns. We just like making confusing money topics easier to understand. Looking for the bigger tax-time picture beyond work-related deductions? Our complete 2026 tax return guide covers key dates, common tax questions and other tax-time essentials. - Published: 2026-05-25 - Modified: 2026-06-18 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-westpac-backing-business-magazine-2026/ - Categories: In the media Tammy Barton featured in Westpac’s Backing Business magazine (2026) Tammy Barton, Founder & Director of MyBudget, has been featured in Westpac’s Backing Business magazine, recognised as one of Australia’s inspiring business leaders building organisations with purpose. The feature shares Tammy’s journey from starting MyBudget from her Adelaide home at just 22 years old, driven by a simple but powerful mission: to reduce financial stress in the community. Westpac highlights MyBudget’s continued growth, Tammy’s leadership philosophy, and the three business principles she credits for success. Read the full article via Westpac: → https://www. westpac. com. au/content/backing_business_magazine_ideas_to_innovation If you’re feeling overwhelmed by bills, debt, or the mental load of managing money, a personalised budget plan can help you regain control, reduce stress, and make your money work better for you. Enquire today. - Published: 2026-05-21 - Modified: 2026-05-27 - URL: https://www.mybudget.com.au/moneyhub/articles/tax/what-can-i-claim-on-my-tax-return-in-australia-guide/ - Categories: Tax Wondering what you can legally claim on your 2026 Australian tax return? This guide explains tax deductions, ATO rules, receipts, tax rates, offsets, deadlines, and the tax changes Australians need to know before lodging. Between TikTok “tax hacks”, changing ATO rules, and that growing pile of receipts shoved into your glovebox or kitchen drawer, tax time can feel a little chaotic. The good news? Understanding your Australian tax return doesn’t have to be complicated. This guide breaks down what you can claim, what you can’t, what the Australian Taxation Office (ATO) is watching closely in 2026, and the tax changes Australians need to know before lodging. At MyBudget, we’re not tax agents, and we don’t prepare or lodge tax returns. This article is designed as general educational information only to help Australians feel more financially organised and confident at tax time. - Published: 2026-05-20 - Modified: 2026-06-11 - URL: https://www.mybudget.com.au/moneyhub/articles/credit-card/credit-card-balance-transfers/ - Categories: Credit Card A lower interest rate can reduce the pressure. It won’t always solve the problem. If you’re searching for a balance transfer credit card in Australia, chances are you want breathing room from rising repayments, growing balances or the feeling that your credit card debt is never actually shrinking. A 0% balance transfer credit card can absolutely help in the right situation. But here’s what many comparison sites won’t tell you: if the debt keeps growing, the issue may be bigger than the interest rate. And for plenty of Australians, that pressure is very real. Finder reports Australians carried an average credit card balance of $3,193 in 2025. Quick answer: are balance transfer credit cards worth it? Balance transfer credit cards can be worth it if you can repay the debt during the promotional period and avoid adding new spending. If your debt keeps growing or cash flow is already tight, a broader debt solution may be more effective. This guide explains how credit card balance transfers work in Australia, when they make sense, what happens when the promotional period ends, and when a more sustainable debt strategy may be the smarter move. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical insights on credit card balance transfers, and how MyBudget helps Australians reduce debt and regain financial control. - Published: 2026-05-14 - Modified: 2026-05-21 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/available-balance-how-much-can-you-spend/ - Categories: Tammy's Thoughts Your bank balance might not be telling you the full story. Not in a dramatic, scammy way... but in an invisible way that keeps people stuck, stressed, and constantly second-guessing their money. You open your banking app, check your account balance, see a few hundred dollars sitting there, and think, “I’m okay. ” Then a bill hits, a debit card transaction clears, or an automatic payment goes through, and suddenly you’re back to wondering where it all went. That’s not a discipline problem. It’s a visibility problem. And it all comes down to one thing most Australians have never been shown properly: your available balance. This is especially true if you’re juggling multiple bills, living week to week, or trying to get ahead but never quite feel in control. Your bank balance shows what you have. Your available balance shows what you can actually spend. Available balance is the amount of money you can safely spend after your bills, upcoming payments, and planned expenses are accounted for. - Published: 2026-05-13 - Modified: 2026-05-14 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/federal-budget-2026-household-budget/ - Categories: In the media Tuesday’s Federal Budget promised Australians more cost-of-living relief, but many households are still wondering whether anything will actually feel easier. Here’s what the latest budget changes could mean for your money, bills and financial wellbeing. For many Australians, the hardest part of the last few years hasn’t just been rising costs. It’s the constant feeling of never quite catching up. Groceries, insurance, rent and mortgage repayments are putting serious pressure on household budgets, leaving many Australians asking the same question: will this actually make life easier? According to MyBudget founder Tammy Barton, "households aren’t looking for luxury right now. They’re looking for breathing room. " Here’s what the Federal Budget 2026 could mean for your money, your bills and your household budget. - Published: 2026-05-07 - Modified: 2026-05-07 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/adhd-money-management-whats-your-money-type/ - Categories: Budgeting Tips ADHD can make budgeting and money management harder due to impulsive spending, forgetfulness and financial overwhelm. This guide explains practical ADHD budgeting strategies, money management tips and systems that can help neurodivergent Australians reduce stress, stay organised and build financial confidence. - Published: 2026-05-06 - Modified: 2026-05-06 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-mortgage-stress-victoria-may-2026/ - Categories: In the media Tammy Barton featured on realestate. com. au and news. com. au (May 2026) With mortgage stress continuing to rise across Victoria, Tammy Barton has shared expert insights with News Corp on what’s driving the pressure – and why more Australians are feeling the squeeze. The articles highlight how larger loan sizes, combined with rising living costs, are making it harder for households to stay on top of repayments, particularly for single-parent households and families living on one income. Tammy emphasises that while the pressure is real, taking early, proactive steps can make a meaningful difference in staying in control. Read the full articles here: → https://www. realestate. com. au/news/vics-mortgage-stress-hotspots-revealed-ahead-of-rba-meeting/ → https://www. news. com. au/finance/real-estate/melbourne-vic/vics-mortgage-stress-hotspots-revealed-ahead-of-rba-meeting/news-story/ Or download the full PDF here. If you’re feeling the pressure of rising mortgage repayments or the cost of living, starting a personal budget can help you take back control, reduce stress, and plan ahead with confidence. Enquire today - Published: 2026-05-05 - Modified: 2026-05-28 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/cost-of-living-australia-how-to-get-ahead/ - Categories: Money Management MyBudget clients Pete and Alyssa no longer worry about the cost of living crisis. With a personalised cost of living budget, debt relief solutions, and savings plan from MyBudget, their money stress is under control in Australia. When there’s nothing left to cut, the problem isn’t your spending, it’s the cost of living. What actually helps is a plan that shows what’s coming over the next 12 months and keeps everything covered before bills hit and things fall behind. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical ways to manage rising living costs, and how MyBudget helps Australians reduce money stress and get ahead financially. If it feels like your money disappears as soon as it lands, you’re not imagining it. Rent, groceries, fuel and bills add up fast, and for many Australians it’s no longer about cutting back, it’s about keeping up. Here’s the part most people don’t realise: it’s not just the cost of living that’s the problem. It’s how your money is structured, timed, and managed day to day. Did you know? 92. 6% of MyBudget clients reduce their financial stress once they have a tailored personal budget and the right support behind them? That tells us something important. The pressure is real, but it is possible to take back control. - Published: 2026-04-29 - Modified: 2026-04-29 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/ai-budgeting-vs-human-support/ - Categories: Tammy's Thoughts AI can help you start a budget, but it can’t adapt to real-life changes, understand human behaviour, or provide the ongoing support needed to keep your budget on track when things don't go to plan. In 25+ years working with Australian households, I’ve learnt this: "A budget doesn’t fail because of the numbers, it fails without the right support behind them. " AI can start a budget, but it can’t keep it working in real life. More Australians are trying AI to get on top of their money, and I understand why. For anyone starting a personal budget, quick answers feel like relief. But here’s what I see every day: AI gives answers, not support It doesn’t adjust when life changes It can’t keep you on track when things don’t go to plan. AI can create a basic plan, but it lacks context, accuracy and accountability, especially when relying on financial data, automation and artificial intelligence tools without human oversight. That’s where human support matters. At MyBudget, we manage your money with you, paying bills, building savings and keeping you on track in real life. I recently spoke about this with Anthony Keane from The Australian, where we explored why Aussies still want real human support for their money. - Published: 2026-04-27 - Modified: 2026-05-06 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-on-ai-budgeting-the-australian/ - Categories: In the media Tammy Barton featured in The Australian March 2026 As more Australians turn to AI tools to manage their money, Tammy shares why having a plan on paper isn’t always enough. In this feature, she explains what happens when real life throws your budget off track, and why human support still plays a critical role in helping people stay in control. Read the full article in The Australian → https://www. theaustralian. com. au/wealth/personal-finance/why-trusting-ai-with-your-money-could-derail-your-financial-plans/news-story/ Or download the full PDF here. If you’ve started a budget but it’s not holding up in real life, getting support can help you stay on track and adapt when things change. Enquire today - Published: 2026-04-22 - Modified: 2026-04-22 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/stop-waiting-for-payday/ - Categories: Money Management If you’re constantly waiting for payday, it often means your money doesn’t have a clear plan yet. To stop living pay to pay, prioritise essential bills, track expenses and spending habits, and set up an automated budget that takes care of bills, savings and debt. Get a clear plan for your money so you can stop checking your bank balance every time you get to the checkout. The weight of waiting for payday Life is full of waiting. Waiting in line at the shops, waiting for the weekend, waiting for that holiday you booked months ago. But there’s one wait that feels heavier than all the others: waiting for payday. That feeling when your bank balance is running low, bills are due, and you’re counting down the days, sometimes the hours, until your next pay hits. It’s stressful, it’s exhausting, and for many Australians, it’s become the norm. If you’re constantly waiting for payday, it can start to feel like your money is always one step behind your life. Bills come in, expenses add up, and your bank balance seems to fall faster than you can keep up with. This is often called living “paycheck to paycheck”, or more locally, living payday to payday or week to week. The good news? It’s not something you have to stay stuck in. - Published: 2026-04-20 - Modified: 2026-04-21 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/saving-for-an-emergency-fund/ - Categories: Savings Tips Life is unpredictable, and emergencies can happen at any time. If you have ever felt like you are one unexpected expense away from things getting tight, that feeling is more common than you might think. A financial buffer gives you emergency money to fall back on, so you are not relying on credit cards, Buy Now Pay Later, or loans when something goes wrong. Think of it as a financial safety net, a savings buffer in a separate savings account, ready for unexpected expenses when they arise. It is money set aside for real emergencies, not everyday spending, helping you stay in control and reduce financial stress. In this guide, you will learn what an emergency fund is, how much you may need, how to start calculating your emergency fund, where to keep it, and simple ways to build it over time. - Published: 2026-04-16 - Modified: 2026-04-16 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/25-mothers-day-gift-ideas-for-every-budget/ - Categories: Budgeting Tips Discover 25 thoughtful Mother’s Day gift ideas on a budget, with affordable options that make Mum feel special without overspending. Mother’s Day can be meaningful without becoming expensive, especially if you’re looking for Mother’s Day gifts on a budget. With cost-of-living pressures still front of mind for many Australians, it’s completely normal to want to celebrate without blowing your budget. That said... finding the perfect gift can sometimes feel like trying to find that one ripe avocado at Aldi! Whether you’re shopping for your mum, a mother figure or even your mother-in-law, this guide is packed with budget-friendly and even cheap Mother’s Day gift ideas that feel personal and thoughtful. Think personalised gifts, keepsakes, flowers, cards, chocolates and experiences that create lasting memories. If you’re trying to stay on track financially while still celebrating Mum in style, this is exactly where a plan helps. Starting a personal budget means you can enjoy days like this without the stress of “how am I going to pay for it later? ” So now’s the perfect time to get organised, even if you’re looking for last-minute Mother’s Day gift ideas. When is Mother's Day in 2026? Mother’s Day in Australia is on Sunday 11 May 2026. It falls on the second Sunday of May every year. - Published: 2026-04-16 - Modified: 2026-04-16 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/saving-for-a-holiday/ - Categories: Savings Tips Your step-by-step guide to planning, budgeting and actually hitting your holiday savings goal. Saving for a holiday sounds simple... until real life, rising cost-of-living pressures, and everyday spending get in the way. Bills pile up, unexpected expenses pop up, and somehow the “holiday fund” never quite grows. It’s not that you’re bad with money. Most Australians just don’t have a system that makes saving feel automatic and achievable. The good news? You don’t need to give up everything or live on two-minute noodles. You just need a plan that works with your life, not against it, like starting a personal budget that gives you a clear plan for your money. In this guide, we’ll show you exactly how to save for a holiday, why most people struggle to get there, and what actually works. - Published: 2026-04-15 - Modified: 2026-05-26 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/which-debt-solution-is-right-for-you/ - Categories: Debt Help The right debt solution depends on how serious your financial situation is. If you can still cover your bills, a budget reset may be enough. If you’re struggling to keep up, hardship support or debt consolidation may help. If your debts are unmanageable, formal options like debt agreements or bankruptcy may be worth considering. Quick answer: which debt solution is right for you? If you can still pay your bills → Budget reset If your situation has recently changed → Hardship support If you’re juggling multiple debts → Debt consolidation If you need an informal plan with your creditors → Debt arrangement If you can’t realistically repay → Formal solutions (debt agreement or bankruptcy). Debt doesn’t usually hit all at once. It creeps up through higher living costs, unexpected bills, or changes to your income. If you’re juggling repayments or thinking “I can’t pay my debts, what should I do? ”, this is more common than you might think. Costs have been rising, and pressure is real. In the December 2025 quarter, personal insolvencies in Australia increased by 14% year-on-year, according to the Australian Financial Security Authority (AFSA). That doesn’t mean bankruptcy is the answer, it means more households need a clear plan. Start by understanding where you’re at, then choose the right path forward. - Published: 2026-04-15 - Modified: 2026-06-29 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/how-do-i-stop-spending-money/ - Categories: Budgeting Tips Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical strategies to stop overspending, build healthier money habits, and how MyBudget helps Australians take control of their finances. If you're wondering how to stop spending money, the problem usually isn't a lack of willpower. More often, it's a lack of structure, visibility and a money plan you can actually stick to. At MyBudget, we've helped more than 130,000 Australians build healthier money habits over the past 25+ years. One of the biggest lessons we've learned is that lasting change rarely comes from cutting out everything you enjoy. It comes from creating a simple system that makes good financial decisions easier every day. Whether you're impulse buying, living pay to pay, or simply wondering where your money disappears each week, these practical strategies can help you take back control. Finder’s Australian Household Spending Statistics show Australians are spending nearly equal amounts on cafes and restaurants ($244) than on groceries ($272) per week, highlighting how quickly everyday spending can creep up. If this feels familiar, you are not alone, and more importantly, it is something you can take control of. - Published: 2026-04-08 - Modified: 2026-04-09 - URL: https://www.mybudget.com.au/moneyhub/articles/success-stories/success-stories-valerie-getting-out-of-debt/ - Categories: Success Stories Many Australians are dealing with financial stress, rising living expenses and the feeling of drowning in debt. If you’re struggling to pay bills, relying on credit cards, or wondering how to manage money when everything feels out of control, you’re not alone. More importantly, there is a way forward. This is Valerie’s story, one of many stories of people getting out of debt, and how a clear budget helped her turn things around. She went from financial hardship, addiction and overwhelming debt to building a budget, reducing her debt, and working towards financial freedom. If you’re wondering how to start a budget plan or how to get out of debt, her journey shows what’s possible with the right support. - Published: 2026-04-07 - Modified: 2026-05-06 - URL: https://www.mybudget.com.au/moneyhub/articles/in-the-media/tammy-barton-courier-mail-saving-money-apr-26/ - Categories: In the media Tammy Barton featured in The Courier Mail April 2026 With rising living costs across Australia, practical money management advice has never been more important. Tammy’s insights reflect what we see every day at MyBudget - Australians looking for ways to save money, manage expenses, and stay in control during uncertain financial times. Read the full article on The Courier Mail → https://www. couriermail. com. au/business/money/what-finance-gurus-are-doing-to-save-money-amid-soaring-costs/news-story/73981f5829217815ab9509b5cd0d2ee5 Or download the full PDF here. If you’re feeling the pressure of rising expenses, starting a personal budget can help you take back control and plan ahead with confidence. Enquire today - Published: 2026-04-02 - Modified: 2026-04-02 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/bankruptcy-in-australia-how-does-it-work/ - Categories: Debt Help If you’re here, there’s a good chance things feel overwhelming. Maybe the bills are piling up, creditors are calling, and you’re starting to wonder if bankruptcy is your only option. Thousands of Australians enter bankruptcy or formal debt agreements each year, according to Australian Financial Security Authority (AFSA) data, showing just how common financial stress has become and that there are multiple paths forward. Before you decide, it’s important to understand how bankruptcy works in Australia, what happens when you declare bankruptcy, how long it lasts, and what alternatives may be available. At MyBudget, we’ve helped over 130,000 Australians regain control of their money. For many, bankruptcy felt like the only option, until they realised there were other ways forward. Our personal insolvency team works with clients every day to explore all available options before taking that step. - Published: 2026-04-01 - Modified: 2026-04-10 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/how-much-should-you-budget-for-a-pet/ - Categories: Budgeting Tips According to the latest Animal Medicines Australia 2025 report, Aussies are spending: Around $2,520 per year (~$48/week) on a dog Around $1,656 per year (~$32/week) on a cat. That’s thousands of dollars over your pet’s lifetime... we’ve done the maths, and a dog could cost $30,000 to $40,000+ over 12–15 years at average annual spend, and that’s before the unexpected costs kick in. But here’s the real question... can your budget handle it long-term? Because it’s not just food and toys. It’s vet bills, emergencies, and those “how did this cost THAT much? ” moments. It’s things like pet insurance, veterinary services, and ongoing pet healthcare that really add up. If you’ve been thinking “it’ll probably be fine”... you’re not the only one. With the cost of living so high, most pet owners feel the squeeze at some point. The good news is, you don’t need to figure this out alone or guess your way through it. Let’s break it down properly so you can decide with confidence. Did you know? 73% of Australian households now own a pet. (Source: Animal Medicines Australia, Pets in Australia 2025) - Published: 2026-04-01 - Modified: 2026-04-01 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/school-holiday-survival-guide-budget-friendly-ideas-for-autumn-adventures/ - Categories: Budgeting Tips Packed with budget-friendly hacks and autumn-ready school holiday activities, this guide will help Aussie parents embrace the chaos of the April school holidays without breaking the bank. Why school holidays feel so chaotic for parents The Australian autumn school holidays. That glorious fortnight where the leaves fall, the air cools, and your children rediscover the art of saying “I’m bored” 57 times a day. Across Australia, councils, libraries and community groups roll out school holiday programs and children's activities designed to keep kids learning, moving and exploring the natural world. As a fellow parent, I know the struggle is real. And with Easter, ANZAC Day and a school holiday break all packed into two weeks, there’s plenty to juggle. As a single mum, I’m well-acquainted with the pressure to create lasting memories on a budget. Whether you’re planning a family trip, staying local, or wrangling work and kids during the school break, having a plan (and snacks) is everything. That’s why I’ve pulled together my top autumn school holiday activities, plus some hands-on activities, craft activity ideas, and family-friendly activities you can try at home or through local school holiday programs, plus my personal school holiday budget, to help make your holidays feel more fun-filled and less frazzled. Need a reminder when school is out? Here’s your updated list of school holiday dates across Australia. - Published: 2026-03-12 - Modified: 2026-03-12 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/find-best-fuel-price/ - Categories: Budgeting Tips If you're feeling the pinch every time you fill up the car, you're not alone. At MyBudget, we hear this from Australians every day. Petrol prices and fuel prices have become a major pressure point for many Australian households as transport costs continue to rise. For many Aussies, filling up the tank is no longer a minor weekly expense but another line item on the growing list of bills alongside groceries, insurance, rent or your mortgage. The thing is, petrol prices aren't just expensive, they're unpredictable. One day the petrol price jumps, the next it drops, and some suburbs are paying significantly more than others. That volatility is often driven by movements in global oil prices, the Australian dollar exchange rate and wholesale fuel prices in the international market. While we can’t control global oil markets, understanding how petrol prices work can help you make smarter decisions with your money and make it easier to find the best petrol prices near you. - Published: 2026-03-11 - Modified: 2026-03-31 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/access-pay-early-apps-how-to-avoid-getting-trapped-in-a-cycle-of-debt/ - Categories: Debt Help Millions of Australians are turning to on-demand pay apps to access wages early, often searching for ways to get paid in advance, but are they catching a quick financial breath or slipping into a debt trap? Many don’t realise how quickly the costs and habits can spiral. - Published: 2026-03-05 - Modified: 2026-03-05 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/financial-hardship-and-your-credit-score/ - Categories: Debt Help Discover how financial hardship impacts your credit score and learn practical steps to rebuild it. MyBudget’s experts can help you create a plan and negotiate with creditors. Financial hardship can happen to anyone, whether it’s due to a sudden loss of income or unexpected challenges. It can make keeping up with bills overwhelming and may affect your credit score. However, financial hardship doesn’t have to lead to permanent credit report damage. In this article, we’ll explore how hardship arrangements affect your credit file and how to rebuild your credit if things don’t go as planned. - Published: 2026-03-04 - Modified: 2026-06-20 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/save-household-bills/ - Categories: Budgeting Tips If you’re wondering how to save on bills, the fastest way is to review your biggest expenses, switch providers and cut unnecessary costs. Many Australians are saving money on electricity and reducing household expenses just by making a few simple changes. - Published: 2026-03-04 - Modified: 2026-03-04 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/how-to-build-generational-wealth/ - Categories: Tammy's Thoughts Generational wealth is the process of building assets, such as property, superannuation, investments and savings, that can be passed down to future generations. In Australia, this doesn’t require a high income or inheritance. It requires budgeting, long-term consistency and informed financial decision-making. Tammy Barton | MyBudget, Founder & Director on how to build generational wealth in Australia How to build generational wealth in Australia: Create and stick to a realistic budget Eliminate high-interest debt Invest consistently, even small amounts Maximise superannuation Protect assets with insurance and estate planning Automate savings and investments. Building generational wealth in Australia is not about earning an extraordinary income. It is about creating systems that steadily grow your net worth over time and allow wealth to be transferred to future generations. If you have ever wondered how to build generational wealth without inheritance or a high income, the answer is simpler than most people think. - Published: 2026-02-26 - Modified: 2026-05-19 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/what-to-do-when-you-cant-pay-your-bills/ - Categories: Debt Help Struggling to manage overdue bills? Rising costs and interest rate hikes can feel overwhelming, but taking proactive steps to protect your credit score and creating a budget can help you regain financial control and avoid falling deeper into debt. If you can’t pay your bills in Australia, the most important steps are to prioritise essential expenses, contact your creditors early to request financial hardship assistance, and create a realistic budget to prevent defaults. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical steps for what to do when you can’t pay your bills, plus how MyBudget helps you reduce money stress and regain control of your finances. - Published: 2026-02-17 - Modified: 2026-02-17 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/what-is-saving/ - Categories: Savings Tips Saving is the foundation of financial security. It is how you prepare for emergencies, plan for long-term goals, reduce financial stress and create real options in your life. Saving simply means setting aside part of your income for future needs instead of spending it immediately. A savings plan gives that money structure, clarity and a clear purpose. It’s not surprising in today’s economy that saving feels harder than it used to. The cost of living in Australia has increased, expenses feel constant, and many households are juggling rent, utilities, groceries, insurance and debt repayments all at once. But saving is not about perfection. It is about structure and consistency. For over 25 years, MyBudget has helped more than 130,000 Australians build savings plans that create long-term financial security and eliminate money worries. - Published: 2026-02-11 - Modified: 2026-04-07 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/how-to-set-up-a-budget/ - Categories: Budgeting Tips Want to learn how to set up a budget or start a budget plan that actually works? This step‑by‑step guide shows you how to manage your money, reduce debt, and build savings using practical strategies that work for Australians. How to set up a budget in 5 simple steps Here’s exactly how to set up a budget in 5 simple steps: Set clear money goals Track expenses and due dates Review needs vs wants Start an emergency fund Seek financial help if you’re struggling. - Published: 2026-02-10 - Modified: 2026-02-18 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/personal-budgeting-101/ - Categories: Budgeting Tips Personal budgeting helps Australians manage income, expenses, savings and debt in a clear, structured way, so bills are covered, financial stress is reduced and progress toward long-term financial goals feels achievable. - Published: 2026-02-04 - Modified: 2026-05-06 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/stop-subscription-creep/ - Categories: Budgeting Tips What is your Netflix subscription really costing you? Are paid TV and streaming services like Binge, Disney+, Stan, Kayo or Spotify Premium causing you subscription creep? We're here to help you audit, cancel, and automate your way to stress-free subscription management. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical tips to manage subscriptions, cut unnecessary costs, and stay in control with MyBudget. - Published: 2026-01-29 - Modified: 2026-03-02 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/budgeting-for-school-fees-in-australia/ - Categories: Budgeting Tips This guide explains how parents in Australia can budget for school fees using practical budget planning, a personal budget and simple savings strategies to manage education costs across public and private schooling. Prefer to listen? Our hosts unpack this blog in a podcast episode, covering practical tips for budgeting for school fees and how MyBudget helps families stay ahead so school costs never catch them off guard. - Published: 2026-01-14 - Modified: 2026-05-06 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/does-afterpay-and-buy-now-pay-later-affect-your-credit-score/ - Categories: Debt Help Buy Now Pay Later (BNPL) services in Australia like Afterpay, Klarna, Zip and PayPal Pay in 4 offer interest‑free instalments, but they can affect your credit score and loan approval, particularly if payments are missed, multiple BNPL accounts are used, or BNPL is relied on alongside other debt. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing key takeaways on how buy now pay later can impact your credit score, and how MyBudget helps you stay in control and reduce money stress. - Published: 2026-01-10 - Modified: 2026-01-21 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/summer-school-holiday-guide-australia/ - Categories: Budgeting Tips Packed with budget-friendly tips and fun activity ideas, this guide will help Aussie parents tackle the chaos of summer school holidays, keeping the whole family happy! Looking for school holiday activities that won’t drain your bank account? You’re in the right place. This guide brings you the best free and cheap activities across Australia, plus tips to plan your school holiday budget so you can enjoy the fun without the financial stress. If you’d love more structure, you can start a personal budget with us to help keep holiday costs under control. Need help remembering when school goes back? Check out the term dates across Australia for a full list of school holidays. What are the best free school holiday activities in Australia? The best free school holiday activities include beach days, local parks, library programs, walking trails, splash parks, backyard camping, bike rides, and DIY craft sessions. These activities keep kids busy for hours, require little to no spending, and are suitable for families across every state. Free outdoor activities for kids Beach day adventures A beach trip is the ultimate low-cost family day out. Pack snacks, sunscreen, buckets and spades, and settle in for swimming, sandcastle building, wave jumping or simply relaxing under a hat. Whether you’re in Sydney, Perth, Brisbane, Adelaide, Melbourne or the Gold Coast, a beach day never fails. Park play, family bike rides and nature trails Local parks, bike paths and walking tracks offer free entertainment that burns energy (yours and theirs). Create a scavenger hunt (find a feather, a funny rock, a leaf shaped like a star) or turn it into a full day out with a picnic. Council parks in Sydney, Brisbane, Perth and Adelaide often have water play too. Free indoor activities for hot days Library school holiday programs Public libraries run free school holiday activities such as storytime, craft sessions, robotics, STEAM workshops and writing labs. They’re air-conditioned, calm, and perfect for keeping kids engaged away from screens. Check your local council page for programs in Melbourne, Sydney, Canberra, Adelaide, Perth and regional areas. Backyard camping and DIY movie nights Pitch a tent in the backyard, add fairy lights, tell silly stories, toast marshmallows over the BBQ or set up an outdoor cinema using a simple projector. It feels like a mini camping trip with zero cost and zero packing stress. What are the cheapest school holiday activities for families? Cheap school holiday activities include discounted movie sessions, low-cost zoos or museums, splash parks, DIY craft days, local attractions, train trips, op-shop treasure hunts, and affordable workshops at community centres. Most activities cost under $20–$30 per child, depending on your city. Budget-friendly day outings Cinemas and school holiday movie deals Most cinemas offer family specials, off-peak pricing or kids' movie deals during school holidays. Bring your own snacks to avoid the pricey candy bar. Look out for promotions in Sydney, Brisbane, Melbourne, Adelaide and Perth. Water parks and splash parks (free or low-cost) Many councils offer free splash zones in Brisbane, Adelaide, Perth, Sydney and the Gold Coast. If your budget allows, affordable water parks make a great full-day outing. Local attractions: zoos, museums and gardens Zoos and museums often run holiday discounts or free child entry during peak seasons. Botanical gardens, heritage sites and interactive exhibits are ideal for low-cost outings with a dash of learning. Low-cost creative and at-home activities DIY craft days Grab inexpensive supplies from Kmart and set up a craft station. Think tie-dye shirts, slime kits, bracelet making, painting canvases or building mini cities from cardboard. Creative chaos encouraged. Cooking, baking and gardening projects Kids love being hands-on. Bake muffins, plant veggies, cook a themed dinner or try a DIY pizza bar at home. Summer school holiday activities near me If you’re searching for local school holiday activities, here are ideas that work in every state: Local parks, gardens and playgrounds Free library school holiday programs Botanical gardens Bike rides and beach days Backyard camping and movie nights Museum free days Community sports events Kmart craft sessions. How do I create a school holiday budget? Creating a school holiday budget starts with setting a total spend, then dividing it across outings, activities, food, travel and a small buffer for spontaneous fun. A simple tool like MyBudget’s free Personal Budget Template makes it easy to plan ahead and avoid overspending. My real school holiday budget example As a single mum, our school holiday budget is $250 and the kids help allocate it. It teaches them money skills while keeping expectations realistic. Here’s how ours looks this year: $100 for a big adventure (tree-climb or water slides) $50 for a movie outing $50 for DIY activities $50 for spontaneous fun (ice cream, op-shops, scooter hire)I also encourage my kids to declutter and sell unused items on Marketplace or eBay. Last year they earned enough for mini-golf and a day at The Beach House. Budgeting and life skills? Yes please. Teach your kids financial literacy with MyBudget's free Money & Me kids workbook. Do kids actually need expensive activities? No. You don’t need to spend a fortune to create lasting memories. The best holiday moments often come from the simplest things, like a backyard cricket match, dancing around the lounge to your kids' favourite bops, or my daughter telling me her highlight was when I jumped in the ocean with her and we body-surfed together and gave her piggy backs under the water. That one got me in the feels! It’s not about the dollars; it’s about those quality moments with your kiddos that they’ll remember forever. How MyBudget can help you plan stress-free school holidays If you haven’t set aside a school holiday budget yet, now is the perfect time to start. At MyBudget, we’ve helped over 130,000 Australians take control of their money, stay on track with spending and build long-term savings. We can help you plan for school holiday fun, birthdays, Christmas, travel and everyday expenses so you never feel caught off-guard. Start planning your happiest, calmest school holidays yet. Enquire online or call 1300 300 922. There’s no obligation and it could be the easiest win of your year. - Published: 2026-01-07 - Modified: 2026-01-29 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/back-to-school-budget-tips-for-aussie-parents/ - Categories: Budgeting Tips Back-to-school budgeting helps Australian parents plan for uniforms, school supplies and tech costs so they can avoid last-minute spending and reduce financial stress at the start of the school year. - Published: 2026-01-07 - Modified: 2026-01-08 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-2026-financial-checklist/ - Categories: Tammy's Thoughts A financially successful 2026 doesn’t come from guesswork or good intentions. It comes from clarity, structure and knowing where your money is going before it’s spent. A regular financial check-in helps you stay in control of your spending habits, reduce money stress and make steady progress towards your financial goals. It gives you a clearer view of your overall financial situation, including your income, expenses, savings, debts and day-to-day spending behaviours. Whether you want to save more, reduce debt or feel more confident with money, this checklist is designed to support you at any point during the year. I want to share my five core steps to help you feel calm, organised and in control of your finances throughout 2026 and beyond.   - Published: 2026-01-06 - Modified: 2026-01-29 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/how-to-ask-for-a-rent-reduction/ - Categories: Money Management Asking for a rent reduction in Australia is possible, but it’s most successful when your lease is ending, the property has unresolved issues, or local rental prices have softened. Landlords are not required to agree, but clear evidence, written requests and early communication improve your chances. Prefer to listen? Our hosts discuss this article in a podcast episode, sharing key takeaways on negotiating rent, preparing the conversation, and how MyBudget supports people through financial pressure. - Published: 2026-01-05 - Modified: 2026-01-08 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/valentines-day-on-a-budget/ - Categories: Budgeting Tips Valentine’s Day is meant to be about connection, not credit card stress. But between overpriced roses, set menus and gold laced chocolates, it’s easy for the cost of celebrating love to creep well beyond what you planned. Valentine’s Day on a budget can still be romantic, thoughtful and genuinely memorable. These budget Valentine’s Day ideas focus on time together, intention and shared experiences, without unravelling your financial goals. Below are six affordable Valentine’s Day tips that prove romance doesn’t have to be expensive. - Published: 2026-01-04 - Modified: 2026-01-21 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-become-debt-free-in-2026-the-financial-reset-you-need/ - Categories: Debt Help Get debt-free in 2026 with a clear, step-by-step guide to paying off debt, setting up a realistic budget and starting to live the life you want. - Published: 2026-01-01 - Modified: 2026-01-21 - URL: https://www.mybudget.com.au/moneyhub/articles/credit-card/beat-a-new-year-financial-hangover-fast-track-credit-card-debt-recovery/ - Categories: Credit Card Starting the new year with a financial hangover? Take control now, build a realistic budget, pay off credit card debt fast, and manage BNPL purchases to kick off the year financially strong. - Published: 2026-01-01 - Modified: 2026-02-16 - URL: https://www.mybudget.com.au/moneyhub/articles/future-planning/is-1-million-enough-to-retire-in-australia-how-much-super-do-i-need/ - Categories: Future Planning Discover how much you really need to retire in Australia, whether $1 million is enough, what changed in superannuation in 2025, and how MyBudget can help you plan a comfortable, financially secure retirement in 2026. Ever wondered if $1 million is enough to retire comfortably in Australia? The short answer: it depends on your lifestyle, health, home ownership, and how long you expect retirement to last. Let’s unpack the numbers, the latest superannuation changes, and what you can do now to make sure you’re set for a comfortable retirement. Prefer to listen? Our hosts unpack this article in a podcast episode, sharing key takeaways, highlights, and how MyBudget can help you reach your retirement goals. Super changes in Australia After years of gradual reforms, 2025 marked a milestone year for Australia’s superannuation system. From 1 July 2025, key updates came into effect that shape how Australians save for retirement: Super guarantee increase: now 12%, meaning higher employer contributions for all workers Parental Leave Pay: super is now paid on government-funded Parental Leave Pay, a major step toward closing the gender super gap Super splitting: couples can share super contributions more easily to balance their accounts Transfer balance cap: increased to $2 million, allowing more tax-free income in retirement Proposed $3 million super balance tax overhaul: earnings on balances between $3 and $10 million will now be taxed at 30%, while balances over $10 million will be 40%, creating a two-tier system that affects only 0. 5% of Australians Payday superannuation (coming 1 July 2026): employers will need to pay super at the same time as wages, ensuring faster, fairer contributions for workers. Australia’s super system is now stronger and more inclusive than ever, setting up Australians for better retirement outcomes in the years ahead. How much do I need to retire in Australia? According to the Association of Superannuation Funds of Australia (ASFA), the amount you need for retirement depends on whether you’re aiming for a comfortable or modest lifestyle. ASFA’s Retirement Standard for the June quarter 2025 outlines annual budgets for Australians aged 65–84: Single (comfortable lifestyle): $53,289 a year Single (modest lifestyle): $34,522 a year Single (Age Pension including supplements): $30,646 a year Couple (comfortable lifestyle): $75,319 a year Couple (modest lifestyle): $49,992 a year Couple (Age Pension including supplements): $46,202 a year. These budgets assume retirees are aged 65–84 and own their home outright. The comfortable lifestyle includes top-level private health insurance, reliable NBN and streaming services, and regular leisure activities and home maintenance. In contrast, a modest lifestyle involves watching utility costs closely, limited dining out, and fewer holidays. Renters and Age Pension recipients typically have tighter budgets with limited flexibility. Is $1 million enough to retire comfortably in Australia? If you own your home, $1 million could provide a comfortable retirement for many Australians, but it’s not a one-size-fits-all answer. ASFA estimates that to enjoy a comfortable lifestyle at age 67, you’ll need around: $595,000 for singles $690,000 for couples. Those numbers assume you’ll receive a part Age Pension and that your super and savings are invested wisely. But if you plan to retire early, rent, travel extensively, or help adult children financially, you’ll likely need more than $1 million to sustain your income and lifestyle for 25–30 years. In short, $1 million might be enough for some, but not for everyone, especially as life expectancy, inflation, and living costs continue to rise. What does ‘comfortable retirement’ really mean? According to the same AFSA report, a comfortable retirement means having enough to: Pay for everyday living costs Cover insurance, healthcare and home repairs Enjoy holidays, hobbies, and leisure activities Replace your car occasionally Dine out and socialise without financial stress. A modest retirement, on the other hand, covers the basics but leaves little room for discretionary spending or travel. How does your super balance compare to the Australian average? According to the Australian Tax Office (June 2023) and ASFA (Oct 2025), Australians’ super balances have reached record highs, with the average balance now sitting at $172,000. Here’s how the median super account balances stack up by age and gender: Men aged 30: $41,268 (target $66,500) Men aged 40: $108,344 (target $168,000) Men aged 50: $177,194 (target $296,000) Men aged 60: $219,773 (target $469,000) Women aged 30: $36,016 (target $66,500) Women aged 40: $79,445 (target $168,000) Women aged 50: $122,150 (target $296,000) Women aged 60: $163,218 (target $469,000). The data highlights a significant gender super gap, with women’s balances around 25–35% lower than men’s at every age. While super balances are rising overall, many Australians are still tracking below the comfortable retirement target. What if I don’t have enough super to retire? If your super balance isn’t where it should be, you’re not the only one. In fact, AFSA report that 44% of Australians retire with less than $100,000 in super. The good news? You can start boosting your balance today with a few strategic moves: Review your super fund: use the ATO’s YourSuper tool to compare fees, performance, and investment options Search for unclaimed super: there are billions in lost super waiting to be claimed Make additional contributions: even $50 a week can add thousands of dollars over time Review your investment strategy: consider whether your current mix suits your goals and risk tolerance Build extra income: explore part-time work, downsizing, or starting a side hustle. Only 1 in 3 Australians currently retire with enough Super to fund a comfortable lifestyle. AFSA What is the Age Pension and when can I access it? The Age Pension provides income support to eligible Australians once you reach 67 years old (for those born after 1 January 1957). Eligibility is based on both income and assets tests through Services Australia. You can use the Centrelink Pension Calculator to estimate how much you could receive. There’s also the Home Equity Access Scheme for retirees who want to boost cash flow using home equity. How does inflation affect retirement budgeting? Inflation erodes purchasing power, meaning your money buys less over time. Even a modest 2–3% rise each year can significantly impact your budget over a 20–30-year retirement. That’s why reviewing your investment strategy and ensuring your super is earning a healthy long-term return is so important. Regularly updating your retirement budget helps you stay on track and adjust for changes in living costs, healthcare expenses, and insurance premiums. When should I start planning for retirement? The sooner, the better. The power of compound interest means that even small, regular contributions made early can grow exponentially over time. Start by reviewing your super, setting goals, and automating extra contributions if you can. If you’re not sure where to start, download MyBudget’s free Personal Budget Template. It’s a great first step toward achieving your ideal retirement lifestyle. How can MyBudget help me prepare for retirement? MyBudget provides complete money management solutions designed to help you plan for a secure and stress-free future. Our Money Coaches can: Build personalised budgeting plans Create saving strategies for retirement goals Help pay off debt and manage bills automatically Provide 12-month financial visibility so you can plan with confidence. For over 25 years, we’ve helped 130,000+ Australians design budgets that balance lifestyle and long-term goals. Why not see how we can help you too? Ready to get ahead and stay ahead? Enquire online or call us on 1300 300 922 to Start planning your retirement with MyBudget today. - Published: 2025-12-17 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/podcasts/escaping-financial-abuse-how-dana-said-i-deserve-better/ - Categories: Podcasts Financial abuse is a type of domestic violence that is often overlooked or dismissed. It involves controlling or manipulating someone's access to money or financial resources. MyBudget client Dana experienced years of financial abuse from her now ex-husband, and we’ve recently sat down with her in our latest MyMoney MyStory podcast episode to talk through how she overcame this chapter of her life (link below). As Dana discusses, financial abuse can leave victims feeling trapped and powerless, unable to leave their abuser or make decisions for themselves, extending their suffering and disempowering them from escaping. Sadly, Dana's past situation is not uncommon. But there is hope for those who are experiencing it. In this article, we will break down Dana’s journey of escaping financial abuse and how she came out the other side stronger than ever. Understanding financial abuse and recognising the signs: Dana’s story Financial abuse can take many different forms. In Dana’s case, she didn’t realise that her ex-husband’s actions were considered financial abuse. Victims may often have a joint account with their partner, which made matters especially difficult for Dana. Prior to meeting her abusive partner at the age of 19, she had worked hard, had savings in her account and was in a stable financial situation. She married at 21 and had a child. Dana had become unable to work due to pregnancy complications, meaning her family was relying on her partner’s income at the time. However, the household income was disappearing, but not from your typical household expenses. It was being taken out of the bank account mere moments after it was being deposited. Even when Dana was waiting by an ATM to withdraw money from the account, by the time she made it to the ATM, the money was already gone. Dana’s household spending was not higher than her household income— she and her family could not understand where the money was going. “I let him have access to my savings and it was gone. ” To this day she still does not know exactly where it was spent; all she knows is that he had come home one day and all the cash was gone. A pivotal moment for Dana was the day she went out for lunch with her close friend. Dana made a conscious effort to choose the most affordable option on the menu. But when it came time to pay, she just could not afford it. “This was our reunion lunch and she had to cover me because I was so broke. ” That was when her friend turned to her and said, “you don’t need to live like this. You deserve better. ” Seeking help and support It was her friend who recommended she reach out to MyBudget for guidance. Dana realised it was finally time to take action. She told her husband at the time; “we're going to MyBudget. ” When telling her story, she mentioned, “I had made the appointment that day. I had less than $20, I put it in my car, made him get in the car with me, went to this appointment and we went through all of our finances” “ just looked us dead in the eyes and he's like, you either have to go bankrupt because I can't see another way out or you guys can't do anything, like nothing. Everything's got to give. ” Dana gave her husband an ultimatum. He had to join MyBudget with her and commit to the strict budget, or end their marriage. “If you don't do this with me, we're done. ” At that point, he assumed she was joking. He refused to join with her, and one month later, they filed for divorce. Rebuilding financial stability and confidence after leaving an abusive relationship Dana knew what she had to do, but she also knew how hard it was going to be. “When I first joined, I was on the phone to the lady bawling my eyes out. She just sat there and I think she listened to me cry for a good 10 minutes. ” From there, she took the original advice given to her in her first meeting, which meant giving up everything for a year. She was extremely rigid with her budget, living only on the bare necessities. It got her through and she was able to clear away the debts that had been put under her name. For victims of family violence, prioritising keeping their children safe and avoiding further abuse was, and is, her priority. Three years ago, Dana’s goals were to make sure that she would have money the next week for nappies or fuel. She said it was “so rewarding because I would have never imagined any of this. ” She and her family can now afford to book their dream holidays, and following her passion for diving, she is going swimming with the sharks in Western Australia this year. “I'm grateful for all the people that have willed me on. When I didn't have the will to go, they picked me up and kept me going. Total strangers that I'm talking to through a phone are going, ‘you've got this’. ” Now, Dana is thriving. She is in a happy relationship with two beautiful children. She has financial freedom and is working toward her big dreams and financial goals. Her willpower is an inspiration to anyone; she pushed through a traumatic experience and chose to live a better life, even when her own world was against her. Resources available for those experiencing financial abuse When it comes to financial abuse, or any form of domestic abuse for that matter, it’s important to know that you’re not alone. There are discrete and confidential services out there that victims can speak to about their situations. We’ve added a few options below: Domestic Violence Hotline: The Domestic Violence Hotline is a national service that provides information, support and referral for people who are experiencing domestic or family violence, including financial abuse. The hotline operates 24/7 and can be contacted on 1800 737 732 or on their 1800RESPECT website. Financial Abuse Service: The National Debt Helpline provides a free and confidential financial counselling service for people experiencing financial abuse. They can help you with managing your finances and connecting you with other services that can help. You can find more information about the National Debt Helpline on their website. Financial Counselling: The Australian government provides financial counselling services to help people in financial distress, including those who have experienced financial abuse. Financial counsellors can provide advice and support to help people manage their finances and deal with debt, and you can find more information on MoneySmart's financial counselling page. Legal Aid: Legal Aid are available to assist people who are experiencing financial abuse. Legal Aid can help with legal advice, representation, and support for people who are dealing with financial abuse. You can find your nearest legal aid service by visiting the National Legal Aid website. Community Legal Centres: Community Legal Centres provide free legal advice, information and assistance to people who are experiencing financial abuse. These centres can help with a range of legal issues, including debt, consumer law, family law and tenancy. You can find your nearest Community Legal Centre by visiting the National Association of Community Legal Centres website. Dana is just one of 130,000 Australians we’ve helped live their lives free from money worries. If you’re experiencing financial abuse from a significant other, there is help out there. In addition to the services listed above, MyBudget is always just a phone call away. To have a chat with our friendly staff, give us a call on 1300 300 922 or enquire online. - Published: 2025-12-17 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/property-talk/new-house-how-to-move-on-a-budget/ - Categories: Property Talk Moving expert Kirsty Morbidelliis from U-Store-It shares her favourite moving house tips, and talks us through how to move on a budget. She says that moving on a tight budget is possible, as long as you start planning early, and are happy to do some legwork. So you’ve found a new place to live—exciting! But now you face the daunting task of packing your life into boxes. The thought of moving—let alone the expense of it—is enough to make some people stay put. According to removal comparison website Moving24, the average cost of moving a three-bedroom home is $1,680. For a one or two-bedroom home, the cost is not a lot cheaper at $1,295. But those prices assume that you’ll use a moving company. If you’re happy to try some moving hacks, including doing the legwork yourself and planning in advance, you may be able to save you hundreds, if not thousands of dollars. Try these six moving house tips and watch your savings soar: Don’t pay for boxes Boxes are a budget killer. What’s the first thing you think about when it comes to moving house? Boxes, right? Lots of boxes! You could just pile your stuff into a car or truck, but that’s actually an inefficient use of time and space, and potentially expensive if things get broken. The cheapest way to move is to try to find your own boxes. Moving hacks for finding free boxes: Do you have boxes at work? Ask your boss if you can take some home. Visit your local hardware store or supermarket—they usually have loads of boxes and are happy to get rid of them. Search Gumtree or Facebook for people giving away boxes after they’ve moved. Collect newspaper, old towels and blankets from friends and family for wrapping and protecting your things during the move. Hire a self-drive moving van One of the little known moving house tips is to hire your own moving van. Moving companies charge up to $120 an hour (calculated in 15-minute increments) for standard moving, including a three or four-tonne truck and two movers. Expect to pay more for specialty items (eg. a piano) or for a bigger truck or when extra movers are involved. For removalist expenses alone, a half-day move will cost around $400 and a full-day move, $800 or more. On the other hand, you could drive the truck yourself. A vehicle with up to a three-tonne limit can be driven on a normal car licence and will cost from around $100 a day, depending on your location. You will, however, have to supply your own muscle! Start ringing around early to compare prices and to snag the cheapest way to move. Putting your stuff into storage? You could save even more money with a free self-drive moving van from U-Store-It. Move on a weekday This is one of my favourite moving hacks! Whether you’re using a removalist or hiring a self-drive truck, booking on a weekday is generally the cheapest way to move. On a weekend when demand is at its highest, prices soar. It’s also usually cheaper to move in the middle of the month. The first and final few days of the month are in-demand moving days because that’s when rental agreements typically begin and end. The same is true for summer, the peak season for moving after a surge in spring home sales. Sell what you don’t want before you move Although it doesn’t seem like one of the most important moving house tips, this one can make a big difference. If you have unwanted clothes, electronics, furniture, or belongings that won’t fit in your new home, it will save space in the truck and handling time—and therefore money—to get rid of them before you move. Plan a few visits to Vinnies or the Salvos to drop off unwanted items in the weeks leading up to your move. Or turn your unwanted items into cash by having a garage sale or listing them on Gumtree or Facebook Marketplace. Decorate after you move, not before Although we’re talking about how to move on a budget, many get caught up in decorating during the process. I often see people start shopping for things for their new home before they’ve left their old one. (You’d be surprised by how much flat-pack furniture goes into storage without ever getting assembled! ) That’s why the cheapest way to move is to move your existing possessions first, without adding more to the load. Think of it this way: every item that gets handled in the move adds to space, time and, inevitably, cost. The less you move, the more you save! Get reimbursed If you’re moving for a new job and aren’t sure how to move on a budget, check with your employer to see if they will help with costs. Some companies compensate their employees for moving interstate. Check with your employer for details. For military personnel, moving expenses are often tax-deductible. Talk to an accountant or tax advisor to see if you’re eligible. MyBudget knows how to move on a budget For personalised moving hacks, custom budgets and savings plans, book a session with one of our budgeting specialists. We’ll take the stress out of moving and help you create a moving budget that won’t break the bank. About our guest blogger Kirsty Morbidelliis is the U-Store-It Facility Development Manager whose years of experience in the moving and storage industry allow her to develop and design customised solutions to suit residential, business and corporate customers’ self-storage needs. - Published: 2025-12-17 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/career-advice/ive-lost-my-job-what-do-i-do-now/ - Categories: Back to Business It’s a question we hope you never need to ask, but it's more common than you’d expect: “I’ve lost my job... what do I do now? ! ”. If you’re struggling to know what to do when you’re made redundant, you’ve come to the right place. How to survive losing your job The first thought you might have when you’re in this situation is usually along the lines of “I’ve lost my job, but I need money to pay bills”. So what should you do? 1. Explore your options On the one hand, it’s never good to be out of work. On the other hand, Australia’s welfare benefit net is strong and there are multiple forms of financial assistance on offer. Plus, any energy spent panicking how to survive after losing your job will be better channelled into planning. Even though you may not be able to anticipate every unknown, making a financial plan will help you prepare for most eventualities. More on that in steps 3 and 4. 2. Contact Centrelink to find out your government benefit entitlements Centrelink can be time-consuming and initially mind-boggling in its complexity, but the effort is worth it. Fortunately, most of it can be done from home via the MyGov web portal. This article provides a step-by-step guide to applying for Centrelink benefits. Be prepared to put aside a chunk of time to work through the process. So, take some deep breaths, make a coffee and settle in. Once you’ve gathered and submitted all the appropriate documents, you can then make a claim. After submitting your claim, you wait (given the current circumstances, we’re unable to estimate how long). Centrelink will let you know if your claim has been approved, what your payment amount will be, your fortnightly payment dates, any backdated payments, and other details. 3. Work out your essential living expenses Once you’ve gone through the initial shock of “I’ve lost my job, what do I do”, you need to start getting practical. Print off or pull up your last three or four months of credit card and bank statements – six months is even better. On the first pass, highlight and add up all of your fortnightly essential living expenses, plus your cost of housing and keeping your car on the road. This is integral when planning how to survive losing your job. In other words: Groceries Petrol or other transport Medicines and medical visits Power and utilities Rent or mortgage Insurance premiums Registration Any other essential expenses in your budget (e. g. pet medications or vital equipment hire. ) In budgeting-speak, these are your required expenses – the amount of money you need to live and keep a roof over your head and a car on the road. Is money going to be tight? Does it leave no room for, say, car or home repairs or buying extra groceries? 4. Work out your non-essential expenses If you’re concerned about how to survive after losing your job, cutting down on non-essential spending is crucial. On the second pass of your credit card and bank statements, highlight and add up how much you’re spending every fortnight on everything else. To get a fortnightly figure (in keeping with Centrelink payments), you’ll need to average the total. In budgeting-speak, these are your discretionary expenses – the amount of money you spend on things you don’t really need. This is your opportunity to reduce your costs by cutting non-essential expenses out of your budget. Remember, it’s not forever—just while you get back on your feet. It might be helpful to organise your required expenses into two lists: Things you don’t need and are happy to live without Things you don’t need and you’d really like to keep. For instance, nobody needs Disney+, but it sure comes in handy for keeping kids entertained! Need help creating a budget and planning your expenses? Download our free budget template here. 5. Talk to your lenders and creditors Now that you’ve created a budget, you’ll have a clearer picture of your bills and spending habits. If you think you’re going to have trouble meeting your regular financial obligations, such as rent, mortgage or bills, now is the time to act early. At MyBudget, we talk to our clients’ creditors for them and to get payment arrangements in place so they don’t pay late fees or incur unnecessary interest charges. Likewise, you can do the same – contact your lenders and creditors sooner rather than later to explain your situation. Speak to them honestly and tell them you've lost your job and need money to pay bills. Most creditors want to help, especially if you have a good payment history and you stick to your payment plans. 6. Prioritise your bills Not all bills are equal and, when money is tight, your expenses need to be prioritised accordingly. Your top priority should be to have money in your pocket for essential living expenses. Rent or mortgage repayments, plus keeping the lights on, need to be included in your essential living expenses. If you’re a tenant, where possible, we recommend trying to maintain a positive relationship with your landlord. Keep them updated about your situation and use your budget to work out what sort of payments will be affordable. (You can see now why the budget you created in steps 3 and 4 is key for knowing how to survive losing your job. ) 7. Talk to your bank or lender If you’re reading this article as a mortgage holder who still has their job, it’s definitely worth getting a home loan health check. With the official interest rate so low, one of the ways we’ve freed up cash for a number of MyBudget clients is by helping them to refinance their mortgages or consolidate debts. Our MyBudget Loans team has been saving clients around $400 a month compared with their previous repayments. 8. Get free help That’s why helping people to navigate through their transition from one job to another is one of the most important services we can offer at MyBudget. You don’t have to be a MyBudget client to benefit. We’re also providing free phone consultations for everyone. You’re under no pressure to join and the budget plan we create for you is yours to keep. These aren’t the sort of tips and advice you’d find if you just searched “What to do when you're made redundant”; this is important and personalised guidance. If you wish, we can manage your budget for you – in which case, we’ll do all the legwork – or you’re welcome to take your budget and manage it yourself. It’s all about having a deep, detailed understanding of your financial position and feeling prepared for whatever comes your way. 9. Lastly, what NOT to do Avoid keeping up your usual spending habits if it means paying for your lifestyle on credit cards. Likewise, don’t eat up your savings too quickly. It’s better to reduce your spending to live within your means. Avoid ‘Buy now pay later’ schemes, like Afterpay, and other commitments that may become unaffordable if you lose your job or income. Don’t put your head in the sand. Talk to your creditors sooner rather than later if paying your bills is going to be difficult. Don’t be afraid to ask for help. enquire about what you're eligible for after redundancy, reach out to Centrelink, book a free budget appointment with MyBudget or whatever else is going to help. And to repeat step 1: Don’t panic – for every financial problem there’s a solution, including learning how to survive losing your job. We’ll get through this together! Hopefully after reading this article, instead of thinking “I’ve lost my job, what do I do now? ”, you feel empowered but also realistic about your next steps. For more pragmatic money management tips like this, subscribe to the MyBudget Blog and follow us on Facebook. Or why not start today? To book your free phone appointment contact MyBudget on 1300 300 922 or enquire online. The customised budget we design for you is yours to keep. - Published: 2025-12-17 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/how-to-handle-the-messy-middle-of-life-work-and-everything/ - Categories: Tammy's Thoughts I was recently asked to deliver the MBA graduation speech at the Australian Institute of Business. It was an honour to meet such a fine batch of graduates, to share some thoughts about life and business, and to congratulate them on persisting through the ‘messy middle’ of Covid. Perhaps, I reflected, life’s most valuable lessons are, more often than not, hiding in the weeds. The first time I heard someone talk about the “messy middle” was at a Google seminar. The way people make decisions is messy, they explained. The user journey is never a straight line. Life is the ultimate user journey, right? Are there any straight lines in life? , I wondered I think we’re all a bit obsessed with the idea of planning and productivity and perfecting the process–I know I am. And rightly so if we want the trains to run on time. But I’ve also come to understand that some of the messiest journeys are the most rewarding. The key, it seems to me, is in learning how to tolerate the messy bits without letting them overwhelm you. In fact, I’ve started to realise that when the path is too straight or safe and predictable, it means I might be missing some of life’s best gems. Family life is messy My mum was just 16 when she had me. As well as my parents having the challenges of youth on their plate, my brother Josh was born with Angelman’s Syndrome. Angelman’s is a genetic disorder that comes with severe intellectual disabilities. It wasn’t as if we were poor, but there was always a feeling that money was tight. My dad was a builder, which came with periods of feast and famine, and my mum was not very good at budgeting. Not because she’s bad with money, but because she’s bad at saying ‘no. ’ My mum would give you her last dollar if you needed it. There were times when the power or phone was about to be cut off or the fridge was empty because we were waiting for a cheque to clear. When you grow up like that, it makes you very conscious of money. Having a disabled brother contributed to the messy middle of our family life, too. But it also meant that I witnessed incredible kindness. My parents’ love and patience with Josh taught me the same. And the generosity of friends, family, and sometimes strangers, who gave their time and support to help with Josh showed me that humans are wired to help humans. Starting a business is messy I look back now and realise that I had no right to start a financial services company. Who did I think I was? A 22 year-old woman from the Adelaide ‘burbs. I was far too young, female and (dare I say it) blonde to break into the male, middle-aged bastion of finance. All I knew is that I saw a way that I could help people. The first challenge, however, was that very few people shared my vision. ‘Off-piste’ is too mild a term–I was deep in the weeds. I was not only starting a new business; I was creating a whole new financial services category called personal budgeting. And while I was slashing through the red tape jungle with what felt like a blunt machete, most of my friends had proper jobs. They had safe pay packets to fall back on and were working their way up the ladder. Did I think of giving up? Of choosing a clearer, easier path? Often. I hadn’t heard of the Bhagavad Gita back then, but when years later I read this quote from it, I realised that it was this wisdom that had helped me sit with the mess: We are kept from our goal, not by obstacles, but by a clear path to a lesser goal. If you can accept the messiness, the unwieldy terrain, of the path less travelled, it can lead to places in the physical world–and more importantly, within yourself–that safer paths don’t go. Covid was super messy When it came to the pandemic, I felt like the universe was smirking at me: You thought that running a business was hard? Here, try doing it while homeschooling your kids. At the beginning of Covid, we had to mobilise around 200 MyBudget staff to work from home, a feat we accomplished in just three days. If there was a Gannt chart (and there wasn’t), it would have looked like a bowl of spaghetti. We had people going to Bunnings to buy fold-out tables for staff who didn’t have desks. When monitor arms sold out, we improvised with guitar stands, and so on, and so on. Every time we hit an obstacle (at least five or six an hour), we rerouted and found a different way to keep going. It was, of course, utterly exhausting at the time. Only later did I realise it was also very rewarding. The messy journey took us to unexpected places and we survived. In fact, as a team we thrived. We discovered new things about ourselves and each other. We graduated from the work-from-home saga with virtual superhero capes and tiaras. Throw whatever you like at us–we’ve got this. Embracing the messy middle What would my own life be like today without these messy middle experiences? Would I have become interested in budgeting? In helping others? Or would I have played it safe? Chosen a smaller, safer, lesser goal? I wonder about these things with my own kids. Like most parents, I try to protect them from the messy parts of life. But am I in fact hurting their growth? Getting in the way of grit and character development? I’m reminded of the life cycle of a butterfly. Before it earns its wings, the caterpillar has to literally digest itself into a soup of cells and proteins. It’s this liquified version of itself that gets reconstituted into a new creature that’s re-equipped for a higher flying life. I feel like my own experiences are somewhat similar. If I can learn to sit with the discomfort–the liquification–chances are good that a few handy gems will emerge from the mess. - Published: 2025-11-26 - Modified: 2025-12-31 - URL: https://www.mybudget.com.au/moneyhub/articles/christmas-savings/christmas-shopping-on-a-budget/ - Categories: Christmas Savings From creating a Christmas savings plan to shopping early and using DIY Christmas gift ideas, planning ahead with MyBudget is the secret to enjoying Christmas on a budget, stress-free and without the financial hangover. Christmas! 'Tis the season to be jolly, but if you're not careful, Christmas spending can spiral out of control like a runaway sleigh. Let's face it, Christmas can be an expensive time. However, with a bit of foresight and planning, MyBudget is here to ensure you enjoy the festive season without dreading your January bank statement. Why is it important to budget for Christmas? Creating a Christmas budget is crucial to avoiding a post-holiday financial hangover. It allows you to focus on what truly matters, spending quality time with loved ones, without the stress of overspending. A well-planned budget also ensures you can fully embrace the holiday spirit, knowing each gift and festive treat is accounted for. Ultimately, the greatest gift you can give yourself is a stress-free Christmas! How to budget for Christmas in Australia A great way to help you create a Christmas shopping list and budget is by downloading our Christmas Budget Template, which is designed to streamline your holiday planning. Simply input your expenses and budget allocations, and watch as it calculates how much you need to save. Use this handy tool to adjust your spending and create a Christmas budget that’s both practical and achievable. We all start the Christmas season with the best intentions of finishing our shopping early, but somehow find ourselves in a last-minute frenzy a week before the big day. The good news is that with a few months ahead of us, now is the perfect opportunity to get ahead of the game and conquer this festive season with a solid budget. So, if you're already thinking about Christmas, we’ve got some fantastic saving tips just for you. How can I create a Christmas budget? Starting early gives you the space to plan ahead and stay in control of Christmas expenses. Begin by breaking your total Christmas budget into manageable weekly amounts so you always know what you can afford and avoid relying on Buy Now Pay Later services like Afterpay. Here’s how to build a Christmas budget that actually works: Decide how much to spend on gifts: work out your total gift budget, then divide it by the number of weeks you have between now and Christmas to keep your budget realistic and achievable Include every holiday cost: don’t forget travel, food, decorations, events, donations and any little extras that tend to creep in Automate transfers: set up a separate Christmas account so your budget stays untouched until you need it Check in weekly: review your progress and make small adjustments to stay on track Use MyBudget's free Christmas Budget Calculator to create a Christmas budget in under 30 minutes. How much should I spend on Christmas? How much to budget for Christmas overall Start by setting a realistic spending limit that fits comfortably within your financial means. Remember to always prioritise essential bills over any Christmas expenses. The first step is understanding your overall expenses. Do you have a budget for daily life? If you don’t, it's ok! Our free Personal Budget Template will help get you started. Once you’ve figured out what you can afford to spend on Christmas, it’s time for the fun part, planning gifts! How much to budget for Christmas gifts and presents It’s not only Santa who needs a list at Christmas time. To keep yourself on track, start by creating a clear list of: who you need to get gifts for what you’re getting them, and how much you have to spend on each person. Regardless of your method, ensure every expense is accounted for to avoid last-minute panic buys and maintain control over your spending. What should I buy for Mum and Dad for Christmas? Focus on thoughtful, practical and budget-friendly ideas that match their interests and fit comfortably within your Christmas budget. Here are some simple, budget-friendly ideas to help you find the perfect gifts for Mum and Dad this festive season. Christmas gift ideas for mum on a budget Pamper gifts: candles, skincare minis, herbal teas or a DIY at-home spa kit Practical gifts: planners, insulated mugs, or high-quality slippers Sentimental gifts: framed photos, memory books or personalised ornaments Experience gifts: movie tickets, an art class or a simple at-home high tea with her friends. Christmas gift ideas for dad on a budget DIY gifts: homemade spice rubs, framed kids’ artwork or a home-cooked breakfast Low‑cost practical gifts: socks, caps, tools, tech accessories or a personalised key ring Experience gifts: footy tickets, kayak or paddleboard hire or a go-karting session Hobby‑based gifts: car cleaning kits, camping items or sports accessories. Plan ahead using your free MyBudget Christmas Budget Calculator to keep track of the gifts you need to buy and ensure you stay within your spending limit. It helps you stay organised, avoid last-minute rush purchases, and make sure you never go over budget. How can I find more money to save for the holidays? Don't go into debt this Christmas using credit cards and buy now, pay later services. Finding extra money hiding in your spending habits is a great way to save for the Christmas holidays. Go over your bank statements for the last few months and highlight any overspending areas. Even little changes can help to free up spare cash for your Christmas savings Are you expecting a tax refund? As soon as your refund hits your account, consider setting some, or all of it aside If you’re struggling to stay on top of your bills, it may be time to talk with your creditors about payment arrangements you can afford. Did you know? A MyBudget Money Coach can help you create a budget and can even negotiate with your creditors for you. How do I automate my Christmas savings? Automate your Christmas savings by setting up a dedicated account just for the festive season. For MyBudget clients, integrating this into your budget may already be streamlined, but it’s always wise to touch base with your Money Coach for any tweaks. If you are not a MyBudget client, most banking apps make it easy-peasy with automation features that can divert a portion of your earnings straight into a savings account. This ensures your holiday funds stay untapped until you’re ready to jingle all the way to the checkout, making budgeting a breeze. Use the free MyBudget Savings Calculator to help you plan, track and reach your savings goals. What are the best Christmas saving tips? Set a spending limit on gifts Shop the sales Find online discounts and cashback Say "No" sometimes Avoid debt and credit cards DIY Christmas gift ideas on a budget. Looking for more budget Christmas gift ideas? Check out MyBudget’s top 15 Christmas stocking stuffers! When should I start Christmas shopping? Get ahead with your Christmas shopping by taking advantage of sales events like Afterpay Day sales and Black Friday. Starting early not only ensures your online purchases arrive in plenty of time but also keeps you from making impulse purchases. For budget-friendly gifts, explore Marketplace for gently used bikes, toys, fashion items, or even furniture. Choosing preloved items not only saves money but also adds a unique touch to your holiday gifts. How do I manage Christmas expectations? Instead of feeling the pressure to match past festive overspending, it's smart to openly discuss budgeting within the whole family. You're not alone in wanting to manage your holiday budget sensibly. By setting equal price limits and sharing financial expectations, everyone can enjoy the Christmas season without unnecessary strain. What if my income changes over Christmas? If your workplace shuts down for Christmas and you're facing unpaid leave, it's crucial to factor these changes into your holiday budget. This way, you're prepared for any financial dips during the festive season, keeping your financial plans on track. Also, when buying gifts, remember the Old English proverb: "Cut your coat according to your cloth," emphasising the importance of living within your means. How can I share the Christmas load and save money? Divide and conquer this Christmas by divvying up the tasks among your nearest and dearest. Coordinate Christmas meals: have each person contribute their specialty dish Secret Santa: enjoy thoughtful gift-giving without the stress of buying for everyone individually Decorate as a group: assign different areas of the house to your loved ones to spread festive cheer Joint gift-giving: pool resources for larger items, enabling meaningful gifts that everyone can enjoy together. See how to budget for Christmas lunch under $100. What other Christmas expenses should I include in my budget? There are lots of unexpected Christmas expenses that can sneak up on even the most organised. Beyond gifts, here are a few additional costs to keep in mind as you plan your Christmas celebrations: Christmas cards and postage Festive feasts and extra groceries Travel expenses Decorations and gift wrapping Charitable donations Utilities and electricity for lights Special clothing or party outfits Pet sitting Unexpected guests. How can MyBudget make Christmas budgeting simple? What a whirlwind of festive frugality! As we inch closer to the holiday season,... - Published: 2025-11-25 - Modified: 2025-12-31 - URL: https://www.mybudget.com.au/moneyhub/articles/christmas-savings/stocking-stuffers/ - Categories: Christmas Savings Nail your Christmas shopping with 15 stocking stuffer ideas for every budget, plus tips to keep your finances in check this holiday season. What is a stocking stuffer? Stocking stuffers, or stocking fillers, are small, thoughtful gifts that fit perfectly into a Christmas stocking and add a touch of surprise to Christmas Day. Whether you’re looking for practical picks, quirky trinkets, or personal touches, these gifts show you really know your loved ones. From kids’ Christmas gifts to work's Secret Santa or even Aunty June who's just impossible to buy for, the right stocking filler will light up anyone’s day. With options ranging from under $10 to $50, we've rounded up a range of Christmas stocking ideas that will keep everyone smiling. Let’s make this part of your holiday season easy with 15 fun, practical, and budget-friendly gift ideas that won’t strain your budget. 15 fun and memorable Christmas stocking stuffer ideas for every budget $10 and under: low cost Christmas gift ideas, stocking stuffers and Secret Santa picks Framed photo: a photo of their furbaby in a Christmas hat or a treasured family portrait for the grandparents, it’s sweet, personal, and guaranteed to be a keepsake they’ll love. Christmas socks: they’re a holiday staple for a reason! Go festive with quirky patterns that spread cheer long after the season is done, think socks that are even more festive than your Christmas jumper. Keyrings: keyrings are perfect for all ages. Like a Bluey keyring for the kids, they’ll love having their favourite character dangling from their backpack. For grown-ups, opt for a sleek, multi-functional keyring with a mini tool or light. It’s a small gift with big a personality that suits everyone. Bath bomb set: turn any bath into a luxury spa experience. These fizzy wonders come in every scent imaginable, perfect for a pamper session and adding a touch of festive cheer. Kmart has plenty of Christmas presents under $10 including affordable gift sets and essentials like candles and essential oils. Sensory toys: keep the kids (or fidgety adults) engaged with fun, tactile toys that are both playful and stress-relieving, ideal for hours of fun. Want to set up a Christmas budget? Here's how to create a Christmas budget in under 30 minutes. $20 and under: Christmas gift ideas for mum, dad and your Secret Santa Reusable coffee cup: for anyone who loves their morning brew, a reusable cup is a win-win. Whether it’s tea, hot chocolate, or even a sneaky flat white, this eco-friendly gift is the perfect stocking-sized reminder that saving the planet (and looking good while doing it) is always in style. Christmas decorations: what about a personalised bauble with a message for mum or dad? It’s something they can hang proudly on the Christmas Tree that very day and cherish for years to come. Scented candles and essential oils: set the mood with scents that turn any room into a cosy wonderland. Think festive fragrances like cinnamon, vanilla, or caramel, perfect for adding warmth and holiday cheer. Jibbitz for your Crocs: love them or hate them, Crocs are here to stay, and Jibbitz charms make them even more fun. From festive holiday designs to pop culture icons, these little charms are unique, playful stocking stuffers that everyone can enjoy. Video game gift cards: Minecraft, Roblox, PlayStation, you name it. Gift cards make great stocking fillers for teens and gamers. Need help planning Christmas lunch? Don’t miss our guide to Christmas lunch under $100. $50 and under: great Christmas gifts for mum, dad and loved ones Portable charger: no one likes a ‘battery low’ alert, especially when capturing holiday memories. A pocket-sized lifesaver they’ll actually use, ideal for the holiday season. Wireless earbuds case: a stylish and protective case for wireless earbuds is a practical gift for anyone who loves their tech. Choose one with a personalised touch or a fun design to make it unique and useful for daily life. Skincare gift sets: spoil them with luxury skincare products from Mecca. From hydrating face masks to nourishing lip gloss, these pampering presents bring relaxation and make self-care a must this Christmas. Board games & puzzles: a classic board game or jigsaw puzzle makes for a thoughtful gift that encourages quality time. These are perfect gifts for kids, parents and even Kris Kringle swaps. Subscription box: give a gift that keeps on giving with a subscription box tailored to their interests. Whether it's coffee, wine tasting packs, or chocolate hampers, this present offers ongoing surprises and joy well beyond Christmas. With holiday cheer comes holiday spending. According to Deloitte, the average Australian consumer is expected to spend 33% more than last year. So, how do you keep your holiday shopping on track? Let’s talk budgeting: Budget planning: the gift that keeps on giving Bring practicality and joy back to your holiday shopping with a touch of planning. Here are a few ways budgeting can make the season brighter: Prevent financial strain in the new year: with a solid budget in place, you can enjoy the holiday cheer without money worries carrying over into January Set a clear budget for gifts: know exactly how much you want to spend on stocking stuffers, Christmas presents and Secret Santa gifts Keep spending in check: avoid overspending by planning ahead and tracking your purchases Focus on what matters most: allocate money towards gifts that create joy and memories for loved ones. MyBudget: trusted by Australians for over 25 years If you need help making your Christmas spending stress-free, MyBudget is here to help. With over 25 years of experience, supporting more than 130,000 Aussies, we provide tailored budgeting solutions to help you manage your finances effectively. Whether it's budgeting for Christmas, tackling debt or saving for the big things in life, we're here to make managing your finances easier. Enquire online or give us a call at 1300 300 922. Looking for more festive money-saving ideas? Check out our blog: Christmas shopping on a budget. - Published: 2025-11-20 - Modified: 2025-12-31 - URL: https://www.mybudget.com.au/moneyhub/articles/christmas-savings/christmas-lunch-under-100/ - Categories: Christmas Savings Create a delicious three-course Aussie Christmas lunch menu under $100 for six people – budget-friendly, festive, and full of flavour, perfect for an Australian Christmas feast. How to host a budget-friendly Aussie Christmas lunch Let’s face it, while everyone's busy budgeting for gifts, the cost of the holiday meal can sneak up on you, especially if left until the last minute. But with a bit of know-how, you can host a feast that doesn’t blow your budget. According to CHOICE’s supermarket basket report, Aldi takes the crown for Australia’s most affordable groceries. So, it’s no surprise this meal plan, featuring juicy prawns, a perfectly roasted turkey, and a show-stopping pavlova, comes in comfortably under $100. Budget-friendly doesn’t have to mean boring. With a bit of planning and a solid menu, you can make your Aussie Christmas lunch the highlight of the day. Aussie Christmas lunch menu under $100 Entrée: classic Aussie prawn cocktail recipe Kick off your Australian Christmas day with a retro classic that never goes out of style. A prawn cocktail is fresh, zingy, and guaranteed to have your guests feeling fancy without spending a fortune. Ingredients: 500g cooked prawns lettuce leaves 1 lemon 1 cup mayonnaise 2 tablespoons tomato sauce 1 teaspoon Worcestershire sauce A dash of Tabasco sauce Salt and pepper to taste. Method: Mix mayonnaise, tomato sauce, worcestershire sauce, tabasco, salt, and pepper to whip up a cocktail sauce worthy of a 1970s dinner party. Line serving glasses with lettuce leaves, pile on the prawns, and drizzle with the sauce. Garnish with lemon wedges for that chef’s kiss finishing touch. Budget-friendly roast turkey with vegetables Nothing says traditional Aussie Christmas lunch like a golden, crispy-skinned turkey. Add some perfectly roasted veggies, and you’ve got an affordable feast that’s hearty, wholesome, and easy to cook. Ingredients: 1 small turkey (approx. 3kg) 1kg potatoes 500g carrots 500g green beans 1 bulb garlic fresh rosemary olive oil salt and pepper. Method: Preheat the oven to 180°C and make sure your baking tray is ready. Rub the turkey with olive oil, minced garlic, rosemary, salt, and pepper like it’s a Christmas spa treatment. Pop it into a roasting pan. Cover with foil and roast for 2. 5 hours, basting occasionally. Remove the foil for the last 30 minutes to let it go golden. Toss potatoes and carrots in olive oil, salt, and pepper, and roast them in a separate pan for 45 minutes. Steam green beans just before serving, because who doesn’t love a pop of festive green? Pavlova: the ultimate Aussie Christmas dessert The pièce de résistance: a layered pavlova that screams “Aussie summer Christmas. ” With mango, passionfruit, and blueberries, it’s light, fruity, Insta-worthy, and totally budget-friendly. Ingredients: 1 pre-made pavlova base 2 mangoes, sliced 6 passionfruit 125g blueberries and strawberries 600ml thickened cream 2 tablespoons icing sugar 1 teaspoon vanilla extract. Method: Whip the cream with icing sugar and vanilla until it’s cloud-like perfection. Slather a layer of cream over the pavlova base. Top with mango slices, passionfruit pulp, and blueberries. Repeat until you’re out of fruit or energy. What drinks go with an Aussie Christmas lunch? No festive feast is complete without something to sip on with your friends and family. Whether it’s a sparkling water, a fresh fruit juice, or a cheeky glass of wine, these budget-friendly drink options will keep everyone’s glasses (and spirits) full and your budget under control. Cheers to that! sparkling water lemon, lime and bitters to add to your sparkling water fruit juice a bottle of white wine. How much does a Christmas lunch cost in Australia? Here’s how the costs stack up to keep your Aussie Christmas feast both festive and affordable. This breakdown proves you don’t need to spend big to impress! prawns: $13 turkey: $30 vegetables: $15 pavlova and toppings: $20 beverages: $15. Total: $93. Click here to find out how to create a Christmas budget in under 30 minutes. More easy Christmas food ideas Looking for more Aussie Christmas lunch recipes to mix and match? Here are some budget-friendly Christmas food ideas that work perfectly in an Australian summer: Glazed ham with pineapple or maple for a traditional festive centrepiece BBQ lamb or salmon for an easy Aussie Christmas lunch outdoors A fresh seafood platter with prawns, oysters, and simple prawn dipping sauces Summer salads with feta, pomegranate, or mango for a refreshing side Christmas trifle layered with sponge, custard, and berries Make-ahead festive recipes like a Christmas wreath bread or biscuits These Christmas dinner ideas give you flexible options to build your own Australian Christmas menu without stretching your budget. Wrapping up: a budget Aussie Christmas lunch Keeping your Christmas lunch under $100 is all about savvy planning and smart shopping. By choosing affordable ingredients, mapping out your shopping list, and doing a bit of research, you can create a delicious three-course Aussie Christmas meal for six people without overspending. For proof that this festive feast fits your budget, and more festive dinner ideas, check out Aldi’s Christmas feasting range. With the right approach, you can craft a memorable and budget-friendly Aussie Christmas lunch that leaves you free to enjoy the holiday without financial stress. Need more ways to save money this festive season? Check out The ultimate guide to Christmas shopping on a budget. Stay on top of your Christmas budget with MyBudget If managing Christmas expenses feels overwhelming, MyBudget is here to help. We can help you create a personalised budget that covers all your holiday costs, from gifts to groceries, while keeping your finances on track. If managing Christmas expenses feels overwhelming, MyBudget is here to help. We can help you create a personalised budget that covers all your holiday costs, from gifts to groceries, while keeping your finances on track. Enquire online or call us today on 1300 300 922. Our expert team can take the stress out of your holiday spending, helping you enjoy the festive season without financial worries.   Need help with budget gift ideas this Christmas? Check out our blog: 15 Christmas stocking stuffer ideas. - Published: 2025-11-20 - Modified: 2025-12-31 - URL: https://www.mybudget.com.au/moneyhub/articles/christmas-savings/managing-kids-christmas-expectations/ - Categories: Christmas Savings Christmas is magical for children, but it can also be one of the most financially stressful times of the year for parents. With the rising cost of living and constant advertising, it is no surprise that kids often expect big-ticket presents. As wonderful as Christmas morning is, the pressure to meet those expectations can leave many families feeling anxious or stretched thin. So how do you manage kids’ Christmas expectations without overspending, losing sleep, or compromising your financial wellbeing? It starts with open conversations, clear boundaries, and a gentle balance between magic and reality. As we move through the festive season filled with Christmas music, Christmas movies and holiday magic, I want to share how parents can guide kids through the festive season in a way that protects your budget, builds gratitude, and creates memories that last longer than the wrapping paper. How do you manage kids’ expectations for Christmas? The best way to manage Christmas expectations is to have honest, age-appropriate conversations about what is realistically affordable. Children do not need every item on their wishlist to have a wonderful Christmas. In fact, most kids thrive with boundaries and clarity. Start by explaining that every family has a Christmas budget. Some years you can do more, and some years you need to be mindful. Position it as a normal part of adult life rather than something to feel worried about. Reassure your children that Christmas will still be special even if the presents are fewer or different to what they imagined. How do you explain the difference between Santa and real-world budgets? The Santa conversation can be tricky, particularly when children imagine the North Pole, flying reindeer and Santa's cookies waiting under the Christmas tree. You want to keep the magic alive while also protecting your finances and avoiding unrealistic expectations. Here is how I approached it with my own children. When my son Seth handed me a Christmas list or holiday wishlist that totalled hundreds of dollars, I reminded him that even Santa works within limits. I explained that Santa brings gifts that are thoughtful and joyful, not necessarily everything a child asks for. I wanted him to feel excited and hopeful but also grounded in the reality that families still make decisions based on what they can afford. This helps children understand that while Santa represents generosity, parents are the ones managing the practical side of life, including budgets, bills, and financial responsibilities. Keeping this distinction clear allows kids to enjoy the magic without expecting endless presents that may not align with your financial situation. If you relate to feeling unprepared for Christmas costs, Erin and Adam once felt the same. They never used to budget for Christmas until joining MyBudget - their story shows how much calmer the festive season can feel with a plan. How do you set realistic expectations for Christmas gifts? Here is a simple three-step framework to help set clear expectations: Set the budget early so children know the boundaries Explain those limits in calm, age-appropriate language Reinforce non-gift traditions so the focus is not solely on presents. Kids often believe that Christmas means getting everything on their list. The key is to set expectations early. A simple conversation such as “You may not get everything you ask for, but you will receive something chosen with love” goes a long way. You can also explain that Christmas is not about the number or price of gifts but about spending time together and celebrating the year. Setting boundaries reduces the risk of overspending on stocking stuffers or Santa gifts and reduces the chance of starting January with credit card debt or money stress. How can parents teach gratitude during the holiday season? Gratitude is one of the most valuable life lessons children can learn, and Christmas is the perfect time to practise it. Growing up, many of us remember the simple joy of home-baked treats, handwritten cards or small gestures rather than piles of presents. Encourage your children to choose someone they would like to give a gift to this year. It can be a small, meaningful gesture for a grandparent, teacher, neighbour or sibling. Younger children can draw pictures or help you bake treats. Older kids who receive pocket money can put aside a few dollars to buy something thoughtful. Shifting the focus from receiving presents to giving them helps children appreciate the effort behind every Christmas gift and understand the value of money. If you want to build your child’s confidence with money beyond Christmas, our guide on teaching kids financial literacy is a great place to start. What Christmas traditions create joy beyond presents? Some of the best Christmas memories have nothing to do with gifts. Family traditions, Christmas songs in the background, Elf on the Shelf antics or decorating the Christmas tree often mean far more than anything wrapped under it. Think about your own childhood. Chances are, you remember decorating the tree, driving around to see Christmas lights, watching festive movies or cooking with family. These moments cost very little but stay with us for life. Consider creating simple family traditions that your children can rely on each year. These Christmas traditions can help shift the focus from the material side of the festive season to connection and joy. that your children can rely on each year. For example: A Christmas-eve movie and hot chocolate Baking biscuits together Visiting a local neighbourhood with amazing lights Donating toys to charity Writing letters to family members Hosting a picnic or BBQ on Christmas eve. Traditions like these help children value experiences over material things and understand the true meaning of Christmas. Why managing expectations protects your financial wellbeing Overspending at Christmas can create long-lasting financial stress, especially when holiday wishlists grow bigger each year. Many Australians report feeling pressure to meet expectations, especially when kids ask for big-ticket items. The rising cost of living makes this even harder. By managing expectations early, setting a clear budget, and focusing on experiences, you protect your financial wellbeing and teach your children skills that will benefit them for life. Let the MyBudget elves help you plan your Christmas spending If you are feeling the pressure of Christmas spending, you do not have to manage it alone. MyBudget can help you plan your Christmas budget, avoid debt, and start the new year feeling organised and in control. You can download our free Christmas Budget Template or talk to one of our caring money coaches on 1300 300 922. We are here to help you create a Christmas that feels joyful and financially stress free. Up next: The ultimate guide to Christmas shopping on a budget - Published: 2025-11-18 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/moneyhub/articles/christmas-savings/30-minute-christmas-budget-template/ - Categories: Christmas Savings Nail your Christmas budget in under 30 minutes and give yourself the ultimate gift, less stress, more festive vibes, and a January free from a financial hangover. Download our free Christmas Budget Template Are you still trying to figure out who to buy for, what to buy, how much to spend, and, most importantly, how to afford it? You’re not alone! Christmas budgeting might sound about as festive as untangling fairy lights, but you know what? It’s the gift that keeps on giving, especially when January rolls around and you’re avoiding that dreaded post-holiday financial hangover. The good news? Getting on top of your festive finances is easier than you think, all you need is a plan. Step 1: Download our free Christmas Budget Template To get started, download our free Christmas Budget Template; your shortcut to festive financial sanity. It’s designed to do all the heavy lifting for you, so all you have to do is fill in the blanks. Think of it as your personal budgeting elf. Step 2: List all your holiday expenses Start with the obvious: Gifts: create a gift list for family, friends, teachers, and maybe the neighbour who kept those Christmas parcels safe for you Festive food: from roast dinners to snack platters, don’t forget to budget for all your holiday feasts Travel costs: whether it’s a road trip to see family, petrol for cruising the Christmas lights, or Uber rides to those cheeky festive drinks, you’re covered no matter where you end up! Decorations: twinkly lights, baubles, and all the sparkly bits that turn your home into a festive wonderland. And don’t forget those sneaky extras: charity donations, Secret Santa swaps, a new outfit for Christmas Day or even the kids’ Christmas concerts. Step 3: Set realistic holiday spending limits Channel your inner Scrooge (just a little). How much can you comfortably spend on each category without turning January into a financial strain? Remember, the best gifts aren’t measured by their price tag, it’s the thought that counts. If you’ve ever received a handmade card from a toddler, you know it's true! Step 4: Check your savings Have a festive fund ready to go? Fantastic! Starting from scratch? No problem. Just work out what you can afford to spend without dipping into your emergency fund. Step 5: Track every dollar spent Tracking every dollar spent isn’t just about keeping things tidy; it’s about spotting where you’ve come in under budget. Found a gift for less than planned? That’s extra cash toward Christmas lunch or maybe a little treat for yourself. Self-care anyone? Plus, keeping a record of this year’s spending can be a real timesaver for next year’s budget planning, no more guessing how much you’ll need to set aside! Need more ways to save money this festive season? Check out The ultimate guide to Christmas shopping on a budget. Celebrate a stress-free Christmas with your budget sorted You’ve just smashed out a Christmas budget in under 30 minutes, go ahead, high-five yourself and enjoy the festive vibes! A solid budget isn’t just about saving; it’s your plan to avoid overspending and enjoy the holiday season without money worries. Get your free Christmas Budget Template today Ready to take control of your festive finances? Download our free Christmas Budget Template today and enjoy a Christmas filled with joy, not financial regret. With this simple plan, you’ll start the new year in a stronger position, no credit card blues in sight. Get the family involved by sharing fun Christmas stocking stuffer ideas for organising a Secret Santa. It’s a great way to keep costs down while adding that unique, personal touch to the season. Happy budgeting, and may your Christmas be merry, bright, and blissfully under budget! It's not too late, here's how MyBudget can help you save for Christmas Don’t let money worries dim your holiday spirit. MyBudget has helped over 130,000 Australians take control of their finances and achieve their goals, whether it’s planning a magical Christmas, paying off debt, or building long-term savings. Our expert team can help you create a personalised budget that keeps your holidays joyful and your finances on track. Enquire online today or call us on 1300 300 922 and let MyBudget help you create a festive plan that works. It’s never too late to make this your most magical Christmas yet! Need help with budget gift ideas this Christmas? Check out our blog: 15 Christmas stocking stuffer ideas. - Published: 2025-11-14 - Modified: 2026-01-22 - URL: https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/pay-off-your-mortgage-faster/ - Categories: Mortgages and Home Loans This guide shows you how simple money shifts, extra repayments, smart budgeting and offset strategies can help you pay off your house early and become mortgage-free sooner. Paying off your house early is probably every mortgage holder's dream. With interest rates rising and the cost of living pinching every corner of the household budget, more Australians are looking for clever ways to fast-track home loan repayments without feeling deprived. The good news? You can shave years off your loan term by freeing up cash, improving your spending habits, and using a handful of insider mortgage payoff strategies that really work. Below, we break down simple steps to boost cash flow, increase extra repayments, and build long-term financial stability, all while keeping your lifestyle intact. How can you pay off your mortgage faster in Australia? You can pay off your mortgage faster by freeing up extra cash for additional repayments, reducing interest charges, and using tools like fortnightly repayments, offset accounts, lump sum payments, and regular loan reviews. Even small extra principal payments can save thousands in interest over the life of your home loan. 5 Practical steps to free up cash for extra mortgage payments 1. Create a realistic 12-month budget Paying off your house early starts with knowing exactly where your money goes. A detailed, realistic budget gives you clear visibility over your cash flow, upcoming bills, and spending patterns. When you can see your finances clearly, month by month, it becomes much easier to plan extra repayments or build up your offset account. If you want to explore potential savings, try our Home Loan Repayment Calculator to see how even small extra repayments can affect your loan term. 2. Reduce high-interest debts first Before putting extra money into your mortgage, focus on clearing any high-interest debts like credit cards, buy now pay later accounts, personal loans, or interest-only loans. The interest rate on these products is usually much higher than your home loan interest rate, meaning paying them off first will save you more in the long run and free up cash flow for extra mortgage repayments. 3. Automate regular extra repayments Once your bills and essential expenses are budgeted for, create a dedicated account for mortgage overpayments. Then set up an automatic transfer each payday, even $20 or $50 a week makes a difference thanks to the way mortgage interest is calculated daily. Automation helps you stay consistent and reduces the temptation to spend money that is earmarked for your financial goals. 4. Reduce lifestyle creep in ways that don’t hurt Small everyday adjustments can create hundreds of dollars in savings each month which can then go straight towards your home loan principal. A few ideas: Review your grocery spend, meal planning and switching brands can free up money Compare your electricity and internet plans, many Aussies save hundreds of dollars a year by switching Audit your subscriptions, cancel unused or even downgrade, and set calendar reminders before renewal dates Do cheap or free workouts instead of paying for a gym DIY beauty and haircare when possible Reduce alcohol and cigarettes for big long-term savings Shop around for home, contents and car insurance to avoid overpaying. Download our free Get a better deal checklist. Directing these savings into extra repayments or an offset account can significantly reduce interest charges. 5. Structure your bills for better cash flow Structuring your expenses in a smart way can free up cash flow that goes straight onto your mortgage without changing your lifestyle. Try grouping bills into predictable cycles, syncing due dates where possible, and smoothing irregular costs so they don't blow out your budget. Many MyBudget clients use this method to stabilise cash flow, reduce financial stress, and create room for extra repayments. Even this simple shift can improve your monthly repayment potential. 5 Mortgage payoff strategies that shave years off your loan 1. Make extra repayments whenever possible Every dollar you pay above your minimum monthly repayment goes straight to the principal of your loan, reducing the interest charged and shortening your loan term. This is the foundation of mortgage amortisation with extra principal payments. Even small amounts make a difference over 20 to 30 years. 2. Switch to fortnightly repayments If you pay your mortgage monthly, switch to fortnightly payments. This means you pay the same as one extra monthly payment each year. It reduces your loan term and total interest paid. It is one of the simplest ways to pay down your mortgage faster without noticing a big difference in your cash flow. 3. Use your offset account wisely An offset account effectively reduces the loan balance your interest is calculated on. Keeping your savings, tax returns, emergency fund, and everyday cash in your offset helps minimise interest charges. MyBudget clients often use offset accounts strategically by smoothing their bills and transferring buffer funds into their offset to keep interest low while maintaining cash flow stability. 4. Put windfalls and lump sums straight onto your loan Tax refunds, bonuses, inheritances, side-hustle income and hosting a garage sale can all be turned into lump sum repayments that reduce your principal and interest charges immediately. Some of the biggest leaps our clients make toward mortgage freedom come from directing occasional lump sum repayments onto their home loan. 5. Review your home loan regularly Interest rates change, lenders adjust their offers, and your loan type might no longer fit your situation. Reviewing your mortgage every one to two years can reveal better rates, cashback offers, or loan terms that improve your repayment cycle. Even a small reduction in your interest rate can significantly reduce your total interest paid. Clients refinancing with MyBudget Loans save on average $10,000 in repayments per year. MyBudget's Money Coaches can help you pay off your mortgage faster Our expert Money Coaches help clients get ahead by creating predictable cash flow, smoothing irregular bills, managing spending habits, and planning extra repayments with confidence. Our 12-month financial roadmap helps thousands of Australians budget effectively, build long-term savings, and reach their financial goals, including paying off their home loan early. If you want to feel more in control of your mortgage, call us today on 1300 300 922 or enquire online for a free no-obligation chat.   - Published: 2025-11-13 - Modified: 2026-01-20 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/your-credit-report/ - Categories: Debt Help If your credit score has taken a hit and you're wondering "How can I fix my credit score? " This guide will help you learn the fastest way to repair your credit score in Australia and rebuild your credit rating with confidence. - Published: 2025-11-10 - Modified: 2025-11-10 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-have-a-good-garage-sale/ - Categories: Savings Tips Your ultimate how-to guide to garage sales in Australia, packed with expert tips on pricing, signage, second-hand selling, and sustainable ways to turn pre-loved treasures into cash while supporting your community and the circular economy. Getting started: how to host a garage sale If your cupboards are bursting, your garage looks like a second-hand shop, and you’d love some extra cash, it might be time to host a garage sale. A successful garage sale in Australia is all about planning, pricing, and a dash of personality. With the right setup, you can declutter your home, meet your neighbours, and walk away with money to put towards your savings goals while giving pre-loved items a new lease on life. Why have a garage sale? Hosting a garage sale is a simple way to clear space, ease stress, and make money at the same time. According to the 2025 PayPal Circular Economy Report, the average Australian household is sitting on $1,349 worth of unused and unwanted items that could easily be turned into cash. In fact, 89% of Aussies admit they have things at home they could sell, and 95% say clutter causes them stress. It's a win-win for your home, your wallet and your sanity. Less clutter, less chaos and more cash in your pocket - honestly, hosting a garage sale just makes sense. How do you plan a garage sale? Planning is key to a smooth, successful day. Start by choosing a weekend morning that doesn’t clash with local events or school holidays. Most bargain hunters hit the road early, so plan for an 8am start and expect early birds from 7:30. Check your local council website for any rules around signage, parking, or noise. Some councils require you to take down garage sale signs within 24 hours. And don’t forget the weather. A sunny forecast is your best friend, but if it looks questionable, set up under cover or in your carport so the rain doesn’t ruin your sale or the vibe. What should you sell at a garage sale? When it comes to what sells, the more variety the better. Furniture, homewares, clothes, toys, kitchen gadgets, tools, and even half-used craft supplies can find new homes if priced right. If your own items don’t fill a table, ask friends or family to contribute. A joint sale brings more variety and more buyers. Display matters too. Use hangers for clothes, tables for homewares, and baskets for smaller items. A little “merchandising” goes a long way to make your garage sale feel like a treasure trove instead of a junk yard. What payment methods are safe for a garage sale in Australia? Cash, PayPal and PayID are the safest options for most garage sales. Cash is quickest and scam free for face-to-face sales, so keep plenty of small notes and coins PayPal (Goods & Services) adds protection for both buyer and seller when a digital payment is needed PayID or direct bank transfer is fine too, but only hand over the item once the money has actually cleared in your account. What payment methods should you avoid when holding a garage sale? Avoid cheques, gift cards, and don’t accept PayPal Friends & Family because it does not offer the same purchase protection as PayPal Goods & Services. How much change should I have for a garage sale? You’ll usually need around $100 in small notes and coins, mostly $1, $2, and $5 denominations. Keep it handy in a secure pouch or apron and avoid leaving a cash box unattended. Price items with simple, round numbers to make it easier on yourself and your buyers (it's much easier to calculate mid-sale! ) If you’ve got stacks of similar items, bundle them, like one book for $2 or three for $5. Once you’ve tallied your takings, why not use our Savings Calculator to see how far your garage sale earnings could go? What’s the best way to advertise a garage sale in Australia? Free online platforms like Facebook Marketplace, Facebook Events and Gumtree will have much more chance of reaching your intended audience than just a sign on the street. To spread the word even further, register a November garage sale with Garage Sale Trail. They’ll even send you free promotional tools to help you market your event, including posters, flyers, social graphics, directional signs and fun goodies to make your setup shine.   When I held a garage sale before moving overseas, I ran it over two days and found that having a public Facebook Event, a Gumtree ad and a sign on the main road directing people to our street really made the sale a success. What to include on your garage sale event listing: The date, start and finish times Your suburb and address A short list of what you’re selling A few bright, well-lit photos. Pro tip: design a flyer in Canva and drop it in your neighbours’ letterboxes. It’s free, easy and will drum up even more business. How to promote your garage sale offline Online platforms not for you? Offline still works too. Print garage sale signs from Officeworks or make your own using an old cardboard box, bold text and arrows big enough to read from a passing car. Stick them up at nearby intersections and remember to take them down afterwards. 8 expert tips to make your garage sale a success in Australia Want to know how to make your garage sale a hit? These eight tried-and-tested tips will help you attract more buyers, boost your profits and create a fun experience shoppers won’t forget. Create a welcoming vibePlay upbeat tunes, add colourful banners and chat with visitors. When people feel good, they may stick around longer and buy more. Price clearly and fairlyPrice items to sell! A good deal will be snapped up fast! Use large, easy-to-read tags and round numbers. Transparency saves haggling and speeds up sales. Bundle for better dealsOffer bundle discounts like “fill a bag for $10” or “three books for $5” to move more items quickly. Start earlyKeen bargain hunters are out before 8am, so have your tables ready to go. Take a few photos of the setup the day before and post to your online event. A little prep may get buyers lining up before opening time. Keep change and payment options handyCarry plenty of coins and small notes, and consider digital payments through PayID or PayPal for cashless buyers. Promote everywhereAdvertise your sale on Facebook Marketplace, local community pages and Gumtree or if it's November, register with the Garage Sale Trail.  Post reminders leading up to the event too for maximum turnout. Display like a proGroup similar items together and keep everything tidy. Hang clothes on hangers, and sort by colour or size so shoppers can find their next favourite outfit fast. A well-organised display invites people to browse longer. Add a full-length mirror if you’re selling clothes and, if you’ve got a pop-up ensuite tent, use it as a change room. Get help to host your garage saleMake it a big event! Rope in your friends and family, they might have treasures to sell too. The more hands on deck, the easier (and more fun) it’ll be. With good company, you can chat to shoppers, manage payments smoothly and turn the day into a proper community get-together. If selling is your thing, take it up a notch with our How to sell on eBay guide, packed with tips to turn clutter into cash and keep that momentum going. What should I do with leftovers after a garage sale? Don’t drag your clutter back inside. Donate unsold items to your local charity shop, community centre or women’s shelter. Some charities even offer pick-up for bulky furniture. You can also list leftover items for free on Facebook Marketplace or your local Buy Nothing group. Someone will love what you no longer need. What should I do with my garage sale profits? So, you’ve decluttered, made cash and your garage looks amazing. What next? Put your profits to work.  Set up a budget with our free Personal Budget Template and start planning your savings goals. Whether it’s paying off debt, saving for Christmas or building an emergency fund, we have lots of free money tools and resources to help you get ahead with your finances. MyBudget can help you budget for the life you want For over 25 years, MyBudget has helped 130,000+ Australians create tailored budget plans to live their life free from money worries. If you would like assistance getting your finances in order, MyBudget can help by: Paying your bills on time Getting out of debt faster Creating a tailored savings plan for the future Building a 12-month plan that gives you full visibility and peace of mind. There’s no obligation to get started.  Enquire online or call us on 1300 300 922. FAQs - Published: 2025-11-05 - Modified: 2025-12-18 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/fast-fashion-vs-quality-pieces-how-to-build-a-timeless-wardrobe-within-your-budget/ - Categories: Tammy's Thoughts Discover how choosing quality fashion over fast fashion can save you money, reduce your environmental impact and help you build a timeless, sustainable wardrobe on any budget. Why choosing quality over fast fashion can save you money We talk a lot about budgeting and spending mindfully, but one area that’s close to my heart is sustainable shopping and the slow fashion movement. Making thoughtful clothing purchases helps reduce your environmental footprint while keeping your wardrobe full of timeless items that last. We’re all becoming more aware of fast fashion and the waste it creates. Clothes made from cheap materials that fall apart after a few wears end up as textile waste in landfills. That’s bad news for the environment and your budget. The good news? You don’t have to spend a fortune to create a wardrobe you'll be proud of. You just need to start thinking differently about how, where and why you buy. What is sustainable fashion? Sustainable fashion is about choosing high-quality, ethically made pieces that last, and saying no to the “buy it, wear it once” culture. It’s a shift from impulse buys to intentional investing in clothing that fits your lifestyle, budget and values. When you buy well-made clothes from ethical or good sustainable brands, you support fair work. You also reduce waste and build a wardrobe that lasts many seasons. Why is sustainable fashion important in Australia? Australians send more than 300,000 tonnes of clothing to landfill every year - (The Australia Institute, May 2024), much of it barely worn. That’s a lot of money and material going to waste. Choosing sustainable fashion brands in Australia helps reduce pollution, support local makers and slow the cycle of over-consumption that drives climate change. This is an easy way to match your spending with your long-term goals. These goals include financial security, ethical living, and a smaller environmental impact. Can shopping sustainably really save you money? Absolutely. Let’s talk about value for money, not just price tags. If you buy a $100 fast fashion coat that lasts one winter, that’s $100 a year. Compare that to a $250 coat made with quality materials that lasts, lets say, 10 years, that’s just $25 a year - a quarter of the cost over time - and it still looks great season after season. The same goes for high-quality basics, tailored blazers, denim jeans or leather footwear that can be resoled and repaired. This concept, often called cost per wear or cost per use, is the secret to affordable quality fashion. When you buy fewer, better pieces, you spend less over time and reduce clothing discarded in landfills. How to shop for high quality clothing on a budget You don’t need a celebrity wardrobe or a designer salary. Here’s how to make sustainable shopping part of everyday life: Start with a capsule wardrobe: choose classic wardrobe essentials like a little black dress, quality jeans, tailored blazers and durable shoes. Timeless style never goes out of fashion. Explore pre-loved and vintage: visit op shops, rent-a-rack stores or online secondhand marketplaces to find unique, high-quality fashion pieces that support the circular economy. Do your homework: research ethical brands in Australia that focus on sustainable production, organic cotton, natural dyes and quality craftsmanship. Think before you buy: before purchasing, picture how it fits your wardrobe. What will it go with? Can you see yourself wearing it often and still loving it next year? If yes, it’s worth it. Try our free Goal Setting Template to plan your fashion wish list and long-term goals Shop at the end of the season: take advantage of sales to purchase high-quality pieces at reduced prices, such as investing in a good winter jacket that will see you through next winter and many more. Care for your garments: follow care instructions, wash clothing gently and repair seams or stitching to extend the life of your garments. Create a budget: start budgeting to reach your fashion goals, check out our guide on how to set up a budget and download our free Personal Budget Template. Where to buy affordable quality fashion in Australia Australia has many ethical brands and good clothing labels that are doing sustainability well. You’ll find great options in: Local boutiques and markets featuring Australian designers who use natural materials and sustainable practices Online stores like Depop that specialise in affordable sustainable fashion, pre-loved luxury and high-quality basics Op shops and vintage stores where a little patience can uncover timeless treasures and classic styles. Want to see how much you could save for your next quality purchase? Try our free Savings Calculator to plan your goals, track your progress and see how achievable your wardrobe upgrade can be. What does the future of fashion look like, and how can we make it sustainable? I think the future of fashion will be about building sustainability and longevity through intentional choices that focus on value, quality and conscious design. It’s moving towards mindful, responsible living where every clothing purchase is made with purpose. Sustainable fashion means taking pride in what we wear, where it comes from and how long it lasts. Whether you’re choosing durable fabrics, moving towards a more circular economy or investing in timeless pieces, each decision helps create a better future. At MyBudget, we believe financial wellness isn’t just about money, it’s about making thoughtful choices that support your financial situation, your values and the world we live in. Ready to map out your financial future - fashion goals included? At MyBudget, we don’t just help you manage money, we help you plan your entire year ahead so you can see exactly how your goals fit into your lifestyle. Whether it’s saving for timeless wardrobe essentials, or simply wanting to feel financially free, we’ll create a tailored budget to match your fashion dreams and beyond. Our expert team does the planning so you can focus on living the life you want, free from money worries. Enquire online or call us today on 1300 300 922 to get started. Let’s plan your financial future with confidence and style. FAQs Up next: Erin and Adam: saving money and building wealth | MyMoney MyStory podcast - Published: 2025-11-03 - Modified: 2026-04-09 - URL: https://www.mybudget.com.au/moneyhub/articles/success-stories/how-to-get-ahead-financially/ - Categories: Success Stories Discover practical ways to pay off debt, save more, and finally get ahead financially, with real-life inspiration from MyBudget clients Kylie and Scott. Why is it so hard to get ahead financially? If it feels like your money disappears faster than you can earn it, you are in the right place. According to Employment Hero, 73% of Australians live pay to pay and nearly one in two struggle to cover regular household costs like rent and groceries before payday. These numbers paint a clear picture: many people are doing their best to keep up, yet still find it hard to get ahead financially. But here’s the good news: getting ahead financially isn’t necessarily about earning more money. It’s about making the most of the money you already have with money management tips from the experts. And with the right tools and support, you can go from surviving to thriving, just like MyBudget clients Kylie and Scott. Before we get to their story, let’s start with some practical steps you can take to turn your finances around. How can I get out of debt and save money? The first step to getting ahead financially is knowing where your money’s going. Start by creating a realistic budget plan that includes your income, fixed expenses (like rent, loans, and utilities), and variable costs (like food, entertainment, and subscriptions). Our free Personal Budget Template makes it easy to map it all out. Once you have visibility of your full financial position, you can start tackling debt strategically. Types of debt like high-interest credit cards are usually the biggest drain on your finances, so focus on clearing those credit card balances first. Which debt repayment strategy should I choose? A popular debt repayment method is the debt snowball method (paying off the smallest debt first for motivation), others are the avalanche method (targeting the highest interest rates first). Either way, consistency is key. If you’re still making only minimum payments on your credit cards, read our guide on the true cost of making only minimum payments. You’ll see just how much interest adds up over time, and how much faster you could be debt-free by increasing repayments, even slightly. If you need help to get out of debt right now, download our free ebook: 6 steps to eliminate credit card debt. Should I consolidate my debt? Debt consolidation can simplify your finances and potentially lower your monthly repayments, but it’s not a one-size-fits-all debt solution. If spending habits don’t change, debt can easily creep back up. Over 70% of Australians rely on short‑term credit to get by, most often through credit cards or Buy Now Pay Later services. It shows just how many people are borrowing to bridge the gap between paydays. Employment Hero, Financial Behaviour Snapshot, January 2025 Before consolidating debt, ask yourself: Will I save on interest overall? Can I stick to a realistic repayment plan? Will this address the cause, or just the symptom? Debt consolidation can help, but budgeting is what really helps get you ahead financially. Read more in our comprehensive guide: Debt consolidation: is it right for you? What debt relief solutions are available? If you’ve tried negotiating with creditors and still can’t keep up with your bills, MyBudget can help you explore a range of debt relief solutions tailored to your situation. MyBudget's debt relief options: Budgeting support: tailored budget plans that align with your lifestyle and income to help you stay on track toward your long-term financial goals Creditor negotiation: we liaise directly with creditors and debt collection companies to negotiate reduced repayments, waived interest, or more flexible payment terms Debt management plans: we create strategies to reduce high-interest credit card debt and restore your credit score over time Debt consolidation loans: through MyBudget Loans, we can help combine multiple personal debts into one manageable repayment plan Mortgage refinancing: expert guidance to reduce mortgage stress, avoid arrears, and find breathing room in your repayments. (Try our free Mortgage Stress Calculator) Personal loans: help restructuring your repayments so they fit your lifestyle and budget Debt arrangements, Debt Agreements and Bankruptcy: when all other options are exhausted, MyBudget can offer tailored debt solutions based on your unique financial situation and guide you through the process with care and expertise. If you need general advice, you can contact the National Debt Helpline. But if you want ongoing money coaching and dedicated support, MyBudget can help you create a clear path from financial chaos to financial control, and stay with you every step of the way. How budgeting helped Kylie & Scott get ahead financially   Through heartbreak, hospital stays and financial collapse, Kylie and Scott found the one thing that got them through it all - MyBudget. With mounting bills, no income, and a newborn daughter fighting for her life, they emailed MyBudget saying: “Don’t contact us. Our baby might not make it. We have no money. ” Instead of walking away, the MyBudget money experts stepped in. They contacted creditors, landlords, and sorted out everything so the couple could focus on their family. Watch their story on YouTube or or listen on the MyMoney MyStory podcast. “I thought, 'we’re doing okay, we don’t need help. ’ But deep down, I knew I needed to change the way I thought about money”. Kylie, MyBudget client Still with MyBudget, eighteen years later, they’ve built savings, bought their first home, and are thinking about planning for retirement, all through consistent budgeting. Their story proves that financial transformation isn’t about income; it’s about having a system that works. How can I stay on track financially and build wealth long-term? Getting ahead financially doesn’t stop when the debt’s gone, that’s when the real progress begins. According to Finder’s Wealth Building Report, 38% of Australian investors say budgeting carefully and reducing expenses contributed most to their net wealth. It’s proof that consistent financial discipline, not luck, is what builds wealth over time. Here are practical ways to start building long term wealth: Automate payments and savings to stay consistent Build an emergency fund to cover at least three months of expenses Regularly review your budget plan to adjust for changes in income or expenses Set specific, meaningful financial goals, like saving for a home deposit, retirement, or a family holiday Keep learning about personal finance and celebrate milestones along the way. For more insights into common budgeting mistakes and how to fix them, read our blog: Why am I always broke? Get ahead with your finances today - take the next step Whether you’re overwhelmed by debt, living pay to pay, or just tired of the financial juggle, you don’t have to face it alone. With MyBudget, you can live your life free from money worries. For over 25 years, MyBudget has helped more than 130,000 Australians pay off debt, start saving money, and build long-term financial security. We’ll help you: Create a personalised budget that fits your lifestyle Deal with your bills and creditors for you Pay off debt faster Build savings for the future Call our Money Experts now on 1300 300 922 or book a free, no obligation chat to explore your options, and see how we can help you get ahead financially. FAQs Up next: Your money mindset is your greatest asset for financial success. Check out MyBudget's free money management tools. - Published: 2025-10-29 - Modified: 2026-03-03 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-negotiate-with-creditors/ - Categories: Debt Help Learn exactly what to say to your creditors, understand your rights, and discover how MyBudget can help you pay off debt, reduce interest and set financial goals you can actually achieve. How to negotiate with creditors to reduce your debt If you’re behind on car loan payments or struggling to pay your bills on time, this guide will help you find the confidence to start negotiating with your creditors before things spiral out of control. Don’t panic, and don’t ignore the problem. Talking to creditors sooner, rather than later is key to getting back on your feet financially. Did you know? Under Australian law, lenders are legally required to consider hardship requests? Whether it’s a credit card provider, utility company, or bank, being proactive and prepared can make all the difference. ASIC Moneysmart In this guide, we’ll walk you through everything, from budgeting 101, knowing your rights, what to say to your creditors, when to ask for professional help, and how MyBudget can give you the tools and support to get your finances back on track for long term financial stability. Step 1: Prepare before you negotiate with creditors Before you call your creditors, get a clear view of your finances. If you don't have a budget yet, don't sweat it. MyBudget has a free Personal Budget Template so you can set up a budget and know exactly what you can afford to repay once you begin negotiating with your creditors. Get organised: Gather recent credit card statements, bills, and payslips Calculate your income, expenses, and debts Identify which bill payments are overdue and which creditors to contact first. Explore our free budgeting tools and resources designed to help you save smarter, plan ahead and achieve lasting financial success. Step 2: Contact creditors early to reduce debt faster Reaching out to creditors early can protect your credit rating, avoid late fees, and prevent your debt from being passed to debt collectors. According to a 2024 ASIC Hardship Report, 40% of Australians who reach out for financial help, fall back into arrears. Many others don't reach out for help due to barriers like anxiety or stress or they don’t know that hardship assistance programs exist. This highlights that simply asking for help isn’t enough, you need the right debt solution plan for your unique financial situation and ongoing support to get back on track financially for the long term. That’s where MyBudget’s expert Money Coaches can help. We can contact your creditors on your behalf, negotiate reduced interest rates to reduce your overall debt over time, set up affordable repayment plans, and even develop a debt management plan tailored to your financial situation. Step 3: What to say when negotiating with creditors Creditors value honesty and clarity, they simply want to know that you’re committed to finding a realistic way to repay your debt. Showing that you’ve done your homework and are serious about getting back on track financially builds trust and increases your chances of reaching a positive outcome. Before you pick up the phone, know exactly what you can afford, (hello, MyBudget's free Personal Budget Template) have your numbers ready, and remember: you’re not asking for a favour, you’re working towards a solution. Here are some debt negotiation scripts for when you are ready to start the conversation: Ask for a payment plan: “I’m experiencing financial hardship and would like to set up a reduced payment arrangement. ” Request a lower interest rate: “Could you temporarily reduce my interest rate to help me manage repayments? ” Ask for waived fees: “I missed a payment due to financial stress. Can you please waive the late fee while I get back on track with my finances? ” Propose a lump-sum settlement: “If I can pay a portion of the balance now, would you consider that as a full settlement? ” Always get agreements in writing and keep records of all correspondence. If your creditor refuses your request, consider escalating through an external dispute resolution scheme like AFCA (Australian Financial Complaints Authority). Pro tip: MyBudget’s Debt Arrangement Team can handle these discussions for you, saving time, stress, and uncertainty. Get in touch with one of our team members today for a free, no obligation chat. Did you know? Most of MyBudget’s clients pay off 90% of their unsecured debt in just over three years. Step 4: When to get professional help if you can't pay your bills If you’ve tried negotiating with creditors and still can’t keep up with your bills, MyBudget is here to help you get back on track. We can help you explore a range of debt relief solutions including: Debt agreementsTailored, legally binding solutions like Part IX Debt Agreement or Part X Debt Agreements to help you regain control of unmanageable debt and work towards becoming debt free. Creditor negotiationExpert support to negotiate directly with creditors for reduced repayments, waived interest or more flexible payment arrangements. Debt consolidationCombine multiple existing debts into one new loan with MyBudget Loans to simplify your finances, reduce stress and keep track of your payments. Credit card debt helpStrategies to reduce high-interest credit card debt, manage repayments and restore your credit score over time. Budgeting supportTailored budgeting plans that align with your income and lifestyle, helping you save and stay on track toward long-term financial goals. Mortgage refinancingExpert guidance on refinancing your mortgage to reduce financial pressure, avoid arrears and stay on top of regular payments. Find out if you are in Mortgage Stress with our Mortgage Stress Calculator. Personal loansHelp restructuring or managing your loan repayments to better suit your household budget. Check out our Personal Loan Calculator now. Bankruptcy guidanceWhen no other option fits, MyBudget’s team provides clear and dedicated support through the bankruptcy process so you can rebuild your financial future with confidence. You can also contact the National Debt Helpline for free general advice. If you’re looking for tailored, ongoing support to reduce debt and rebuild your finances, MyBudget offers all of the above solutions and one-on-one guidance to help you stay on track long term. Step 5: What if creditor negotiations fail? If creditor negotiations don’t go as planned, you still have options: Lodge a complaint with the creditor If your dispute remains unresolved, escalate to AFCA or another external dispute resolution scheme Seek legal advice or assistance from a financial counsellor or MyBudget. If your debts lead to bankruptcy proceedings, you’ll still have protections under the Bankruptcy Act 1966. MyBudget can guide you through every step to safeguard your property, assets, and financial stability. MyBudget debt solutions: How Megan and Creagh paid off $91,000 in debt 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. A tailored debt repayment plan to help them pay off debt faster and map out their income and expenses for 12 months Automated payments to cover all bills and debts on time Extra repayment 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 the right help and support Stayed on track to reach their goals. Now, Megan and Creagh have proven that with the right support you can pay off debt faster, budget better, and still enjoy life, all while working towards big goals like a house deposit. Watch Megan and Creagh's full financial comeback story here: How we got out of almost 100k debt. Let MyBudget help you negotiate with creditors and get back on track Negotiating with creditors isn’t just about paying less, it’s about regaining financial control and building a plan that protects your future. Whether you’re dealing with credit card debt, personal loans, mortgage stress or you are juggling multiple overdue bills, MyBudget can help you find a sustainable debt solution. Enquire online or give us a call on 1300 300 922 to book your free appointment today. Up next: Does Afterpay and Buy Now, Pay Later affect your credit score? Download our free eBook: 10 Steps to get out of debt. - Published: 2025-10-23 - Modified: 2025-10-23 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-plan-a-wedding-in-australia-for-under-20k/ - Categories: Budgeting Tips Plan your dream wedding in Australia for under $20,000 with these affordable wedding tips, budget wedding ideas, DIY decorations, venue and catering hacks, and real advice from MyBudget's money-savvy bride, Dominique. Can you plan your dream wedding in Australia without going into debt? MyBudget team member Dominique (Domi) did exactly that, and I'm sharing her gorgeous, real-life story (plus a tonne of insider tips) so you can do it too. With the average wedding cost in Australia now $41,400 (ABIA 2025), it's easy to feel overwhelmed. But you can still have a beautiful celebration on a smaller budget. With smart planning, creative thinking, and a clear wedding budget breakdown, you can absolutely say "I do" for under $20,000, and still have a magical, memorable day filled with love, family and your closest friends. I sat down with Domi (and swooned over her stunning pics) to talk about how she made it happen, from choosing a wedding venue and floral arrangements to sourcing a custom dress on Etsy. Whether you're planning a small wedding ceremony in a community hall or a romantic reception at a local farm, this guide will show you how to budget, plan, and celebrate without sacrificing the big day of your dreams. How do you plan a beautiful wedding on a $20,000 budget in Australia? "Plan early and be realistic about what matters most to you. " Dominique, MyBudget team member The best way to plan a wedding on a budget is to give yourself time. Early planning means more choices, better deals, and less stress. Domi recommends having an honest conversation with your partner about your non-negotiables. Prioritise those and find ways to save in other areas. And yes, start a savings plan that doesn't rely on a credit card. What are the biggest wedding expenses in Australia, and how do you reduce them? "Having a smaller wedding meant we were able to spend quality time with our guests, and it was a relaxed event. " Dominique, MyBudget team member Reception venue hire, catering and drinks packages will make up a majority of most wedding expenses and live music and entertainment can be a big cost. The most effective way to keep your wedding costs down is by opting for a smaller guest list with your close loved ones. Domi and her partner kept it intimate with just 23 guests, then hosted an afterparty two days later for everyone else and provided pizza and their first drink. Genius. What are the most affordable wedding venues in Australia? "Don’t underestimate a hidden gem, like a winery or a distillery. " Dominique, MyBudget team member Look for elopement or micro-wedding packages, or consider ceremony locations like the botanic gardens, a forest or a local farm to tie the knot. Perhaps a restaurant by the beach or a small winery or distillery that flies under the radar. A reception venue more towards the outskirts of the city is usually more affordable. How can I save money on catering, drinks and the wedding reception? "I talked to the Venue Manager and they were happy to make cocktails on the day if we provided the alcohol and ingredients, at no extra cost. " Dominique, MyBudget team member Swap the sit-down meal for cocktail-style food, grazing table or buffet. Look into food trucks, Domi catered for her afterparty with delicious Pizzas. Try a donut wall instead of a traditional wedding cake. Ask your venue if you can BYO alcohol or create signature drinks, Domi’s venue even let her bring her own ingredients for cocktails. It pays to ask. If you're planning ahead, look for an off-peak date to further reduce food and beverage costs for your big day. How much does a wedding dress cost in Australia? "I found a custom dress on Etsy for a fraction of the boutique price. " Dominique, MyBudget team member Most dresses from boutiques start at around $5,000. So it can easily blow out your wedding budget. You want to look and feel your absolute best on your wedding day, but it's good to remember that you're only going to wear this dress for one day of your life. Domi recommends asking yourself if it's really worth spending a quarter of your $20,000 wedding budget on one piece of clothing? Domi reminds us not to underestimate the magic of an op shop find. Sourcing a second-hand dress might take a little longer, but the savings is worth it. In her case, she found a stunning custom-made gown on Etsy for a fifth of what she would have paid at a boutique bridal store. What are the best wedding decoration ideas for smaller budgets? "We reused bouquets as reception flowers and borrowed decor from friends. " Dominique, MyBudget team member Domi is Ecuadorian and traditionally, in South America her family make wedding decorations together as part of the preparations. She says to lean on your heritage and family and friends' skills! Got a friend who loves to knit or do macrame? Ask them if they'd like to help create your table centers or favors! Domi mentioned one of her favourite money-saving hacks was repurposing her wedding flowers. Instead of paying for entirely separate floral arrangements, she reused her bridesmaids’ bouquets and even the welcome sign flowers as reception table centres and bar decorations. It’s a simple idea that saved her thousands. How do you save money on wedding photography and videography? "I recommend relying on your close circle and asking friends for recommendations to help save money on capturing your big day . " Dominique, MyBudget team member Book early and consider weekday or off-peak weddings. If full-day coverage is out of your budget, focus on key moments only. Some photography students or up-and-coming pros may offer discounted packages too. Again, relying on your friends and family for recommendations or assistance is one of the best ways to save money on capturing your big day. Domi was very lucky to have a close friend who is a professional videographer, he shot her wedding for a reasonable price. What are the cheapest wedding entertainment ideas for your big day? "A live band can be pricey, but a DJ or curated playlist can still bring the party! " Dominique, MyBudget team member Domi says that while a live band can be more expensive, if you have a friend who DJs, don’t be afraid to ask them to provide your entertainment or create your own curated playlist for the reception, which will save money and be more personalised to your style. These are great tips for couples planning a wedding on a budget, who still want to set the right mood without the cost of a live performance. How do you save money on wedding invitations and stationery? "Canva templates + Officeworks printing = budgeting win" Dominique, MyBudget team member Domi says one of the easiest ways to save money is with DIY wedding invitations with platforms like Canva. She even considered digital invitations to cut down on printing and postage. If you’ve got friends who are good with Photoshop or design, don’t be shy to ask, they’ll probably be honoured to help you design something so special. What’s the cheapest way to organise a wedding without a planner? "Don’t be afraid to ask for help. It takes a village to organise a wedding, and it doesn’t all need to rest on you and your partners' shoulders" Dominique, MyBudget team member There are loads of free wedding planning tools online that helped Domi stay organised. She suggested starting with a clear wedding budget, sticking to a timeline, and not being afraid to ask for help. "People actually want to help," she said. "It makes your friends and family feel like they’re part of something really special. "  If you're not sure where to start with your wedding budget, MyBudget’s free Personal Budget Template is a great tool. It’s designed to help you map out your spending, set savings goals, and stay on track as your big day approaches. What’s the one tip that saved you the most money? "Get married on a weekday! We saved $5,000 by tying the knot on a Thursday. " Dominique, MyBudget team member Weekday and off-peak weddings are often significantly cheaper for venues, suppliers and even accommodation. Domi saved $5,000 by getting married on a weekday. You'll also have more flexibility with bookings. You might need to factor in any permits, and wedding car hire, so planning ahead helps avoid hidden costs. Domi’s final advice on keeping your wedding on budget "Be clear on what matters to you, plan early, and don’t be afraid to ask venues or vendors for adjustments to make things work for you. It’s your day, do it your way. " Dominique, MyBudget team member Ready to plan your dream wedding without going into debt? At MyBudget, we believe everyone deserves to start their married life on the right financial foot. Whether you're planning an intimate ceremony or a larger celebration, our team is here to help you... - Published: 2025-10-21 - Modified: 2025-10-21 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/black-friday-sales-australia/ - Categories: Budgeting Tips Get ready for Black Friday and Cyber Monday 2025 with MyBudget’s expert budgeting tips, designed to help Australians shop smart, stay debt-free, and make confident financial decisions this shopping season. What is Black Friday? Black Friday is a global shopping phenomenon that occurs annually in late November, often called the sale of the year, offering major discounts across almost every retail category, online and in-stores. Where did Black Friday come from? It all started in the 1960s in the U. S. Retailers noticed that the surge of shoppers the day after Thanksgiving was often the day their accounts went from “in the red” (losses) to “in the black” (profits). When is Black Friday in Australia? Black Friday 2025 officially begins on Friday 28 November, but most Australian retailers start discounting earlier, sometimes as soon as mid-November. What began in the US as a one-day post-Thanksgiving sale has become a global shopping marathon, with deals rolling into Cyber Monday (1 December). So if you’ve been holding out for a big-ticket purchase, like a TV, laptop, or that dream kitchen gadget, now’s your moment. But before diving head-first into discounts, you’ll want a plan, because let’s face it, no deal is worth a debt hangover in January. Projected spending: Australians are tipped to spend $6. 8 billion across the Black Friday to Cyber Monday weekend, a 4% rise from 2024. Australian Retailers Association, 2025 That rise in spending makes it even more crucial to plan ahead with a solid budget. If you are searching for the best Black Friday budgeting tips Australia, you’re in the right place, we’ve got practical advice to help you shop smart and make confident financial decisions this holiday shopping season. Why you need a budget for the 2025 Black Friday sales It’s easy to get swept away by flashing banners screaming “50% off! ” or “buy more, save more! ” But behind the hype lies a trap for many Aussies. About a third of Australians plan to spend more this year, with many likely to switch brands for better deals, according to Deloitte. Having a Black Friday budgeting plan keeps your cash flow under control. Set automatic transfers to your savings account to ensure you don’t dip into funds meant for bills or essentials. With a plan in place, you can shop confidently and still protect your financial situation. Download MyBudget's free Personal Budget Template to get started today. 5 tips to shop smart for Black Friday 2025 Make a shopping list and do your researchStart early. Make a shopping list of items you actually need or have been saving for, from home appliances to beauty products, then compare prices across different retailers. Use price tracking websites like Google Shopping or Keepa to find genuine bargains and spot fake markdowns. For a comprehensive overview of 2025 Black Friday bargains, check Finder’s Black Friday deals. Set your spending limitsDecide your maximum spend before you start browsing. Split it into categories (like gifts, tech, or electrical appliances) and track it in your free MyBudget Personal Budget Template. No guilt, no surprises. Use cashback and coupon sites wiselySites like Honey or ShopBack can add extra savings, but always check if the discounts apply to Black Friday or Cyber Monday sales. Combine with rewards credit cards or loyalty programs to earn cashback websites bonuses or rewards points. Compare prices and policiesMany retailers offer price-match policies, shipping coupons, and local pick-up discounts. Check store newsletters (look in your spam folder too! ) and social media reviews for hidden offers. Always confirm delivery or service fees before checkout. Shop safe and stay scam awareBe wary of Black Friday scams or fake websites. Stick to secure payment options like a Visa Debit Card or trusted rewards credit card, and only buy from reputable retailers with clear return and refund policies. 5 Black Friday traps to avoid Falling for fake discountsSome retailers bump up prices before the sale, only to slash them back down. Use price tracking tools like Keepa to confirm real discounts. Ignoring return and refund policiesMany stores limit returns during sale periods. Always check return policies before you buy, especially for electronics or online-only offers. Overspending out of FOMOThat “limited time” tag is designed to make you panic-buy. Breathe, check your holiday budget, and walk away if it’s not a must-have. Using credit or BNPL for impulse buysBuy Now, Pay Later (BNPL) can sound harmless but debt repayments can stack up, especially if you have multiple BNPL platforms and a number of purchases. If it’s not in your budgeting plan, skip it. Thinking you need to buy somethingThe best savings come from not spending at all. If you wouldn’t buy it full price, don’t buy it on sale. Consider homemade presents or thoughtful low-cost gifts to stay on track with your spending. Trend insight: Half of retailers’ holiday revenue will come from events like Click Frenzy, Black Friday, and Cyber Monday combined, making it more important than ever to shop with a plan in place. Deloitte, Retail Holiday Report 2025. Your Black Friday 2025 survival checklist Create a budgeting plan and stick to it Make a shopping list and research prices Use price tracking websites to compare deals before checkout Avoid BNPL schemes if you will not be able to meet the repayments Take advantage of loyalty programs and rewards points Only buy what you truly need. The joy of a good deal is real, but it’s even more satisfying when you know you stayed within your budget. These shopping tips are all about making confident consumer decisions, whether you’re eyeing the sale of the year, building loyalty points through rewards programs, or putting aside funds for a big purchase during a major sale event. Plan your spending with our free Saving Goal Calculator to see exactly when you’ll hit your targets and have money ready for the next sale event. How to shop smarter in the Black Friday sales: call MyBudget! With MyBudget, you can say goodbye to panic buying in the sales. We’ll create a personal budget that ensures bills are paid on time, savings grow, and you can splurge responsibly, guilt-free. Our budgeting system helps you plan for discount holidays like Black Friday, Cyber Monday and the Christmas-New Year holiday season by managing your cash flow, expenses, and savings automatically. For more than 25 years, MyBudget has helped over 130,000 Australians live free from money worries. Let us help you plan your finances so you can enjoy your purchases without money stress. Book a free chat with a MyBudget money coach today, or call us on 1300 300 922. FAQs: Black Friday 2025 and budgeting in Australia BNPL can sneakily add up, costing you more in the long run. If it’s not in your budget, it’s best to skip it this time around Tammy Barton, MyBudget Founder & Director Want to get ahead with your finances? MyBudget's free Money Tools and Resources will get you started. - Published: 2025-10-15 - Modified: 2025-12-18 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/the-best-budgeting-tools-to-get-ahead-with-your-finances/ - Categories: Money Management The right budgeting tools can transform your finances by helping you manage money, reduce debt, and reach your financial goals faster. What are the best budgeting tools and resources available in Australia? Struggling to stay on top of your bills or reach your savings goals? You’re not alone. Many Australians are turning to budgeting tools to help manage income, track expenses, and make smarter financial decisions. The right tool can change how you handle money. It can help you reach your long-term financial goals faster. These tools range from simple finance calculators to resources like personal budget templates and guides and checklists. At MyBudget, we believe budgeting tools should do more than crunch numbers. They should empower you to plan, save, and live life free from money worries. Here’s how the right budgeting tools, loan calculators, and resources can make a real difference to your financial future. How do budgeting tools and calculators work? Budgeting tools and calculators simplify financial planning by helping you understand where your money goes and how you can improve your situation. From creating a budget to tracking savings and managing debt, these tools make it easier to plan ahead and make confident money decisions. Some even help you see the impact of compound interest and how consistent saving can grow your wealth over time. Which budgeting tools are best for your financial goals? If your primary goals are personal finance management, such as creating a budget, saving for a home deposit, or working towards being debt-free, MyBudget offers an excellent range of free calculators and budgeting tools and resources. A distinctive feature of our offering is the forward projection capability, which provides you with a clear vision of future financial scenarios. This empowers you to make informed decisions today that positively shape your financial future. With MyBudget, you can take control of your financial goals efficiently and effectively. Where can I find free budgeting calculators online? MyBudget's Money Tools Hub offers a variety of practical tools, tips, and guides to help you stay financially organised. Each calculator is designed to meet a specific need, whether you’re saving, budgeting, or paying off debt, with a simple, user-friendly experience. Savings calculator Use the Savings Calculator to work out how much you need to save weekly or monthly to reach a goal like starting a family. It sets realistic savings targets, shows how compound interest can grow your money, and factors in your deposit frequency so you can see how long it will take to hit your target, whether it’s for a holiday, home deposit, or big purchase. Mortgage stress calculator Check the Mortgage Stress Calculator to see how rising interest rates or income changes could affect your repayments. It’s a great way to understand if you’re at risk of mortgage stress and explore how adjusting your budget could help. Home Loan Calculator Our Home Loan Calculator helps you get into your home sooner. Whether it’s your first home or an investment property, this tool shows how different loan terms and repayment amounts affect your total interest. You can also see how many years you could shave off your mortgage by making extra repayments or getting a better interest rate to reach home ownership faster.   Income tax calculator Use the Income Tax Calculator to estimate your Australian income tax and take-home pay (really handy if you've got a side hustle). Knowing how much tax you’ll pay helps you plan your budget more accurately and understand your true disposable income. Personal loan repayment calculator Use the Personal Loan Calculator to see how quickly you can pay off a loan. You can adjust loan amounts, interest rates, and payment frequency to find a repayment plan that works for you. If you’re buying a new car, this calculator helps you compare finance options and make the descision making process much easier. Personal budget template Download our free Personal Budget Template to design a spending plan that fits your lifestyle and goals. It helps you allocate money across bills, savings, and everyday expenses, giving you a clear view of your financial situation. Each of these calculators gives you practical insights into your finances, helping you forecast, plan, and stay on track toward your goals. You will also find budgeting guides, and other downloadables like eBooks and checklists. They help you start a personal budget, plan your savings, and build long-term financial security. Why should I use MyBudget’s budgeting tools? MyBudget's free tools and resources give you a clear picture of your financial health. They help you see ahead, plan effectively, save smarter, pay off debt faster, and reach your financial goals. Whether you’re focused on debt consolidation, credit repair, or saving for something big, MyBudget has a free financial tool to help you get there. Want to take your finances even further?  If you are a MyBudget client, you receive exclusive access to our complete budgeting software and expert Money Coaches that: Pay bills on time Reduce debt and interest payments Build emergency savings Visualise a full year of your financial plan in advance Achieve your long-term financial goals. Ready to get started with MyBudget’s calculators? Kickstart your financial future today with one of MyBudget’s easy-to-use free money calculators or resources. Whether you’re building a budget, saving for a goal, or planning to pay off debt faster, our tools make it simple to start your journey toward financial freedom. And if you’re ready to take your finances even further, our team of expert Money Coaches can create a tailored budget plan to help you pay off debt, grow savings, and live free from financial stress. Live your life free from money worries. For over 25 years, MyBudget has helped more than 130,000 Australians pay off debt, build savings, and achieve financial peace of mind. There’s no obligation to get started, just expert support when you’re ready. Explore each of the MyBudget free Tools and Resources, and contact us online or call us on 1300 300 922 if you would like to see how MyBudget can elevate your financial situation today. FAQs on budgeting tools and MyBudget - Published: 2025-09-24 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/celebrating-women-in-business/ - Categories: Tammy's Thoughts I was honored to speak at the Women in Business Breakfast this week. The Office for Small and Family Business hosted this inspiring event to launch Small Business Week 2025 in Adelaide. Female founders and women entrepreneurs driving change in Australia The breakfast brought together some of South Australia’s most passionate female founders and entrepreneurs. They all share a drive to create businesses that make a difference in their industries and communities. It was a strong reminder of the progress in Australia. It also showed the ongoing need to fix systemic gender disparities, gender equality issues, glass ceilings, and gender pay gaps in the business community. Business models, growth and future-fit leaders In my talk, I shared my perspective on the importance of financial independence, not just for individuals, but for businesses too. Having a strong handle on your numbers and putting your client at the centre of every decision is, I believe, the foundation for business growth, resilience, and sustainable business models. I emphasised how support networks, mentorship, and open communication can help future-fit leaders handle technological advancements and social changes. They can also help leaders deal with challenges in traditional hierarchical structures. Panel discussion with inspiring female entrepreneurs Following my talk, I was honoured to join a panel alongside these inspiring women: Donny Walford, Founder and CEO of behind closed doors Kylie Bishop, Founder and Managing Director of Incredible U Rosanne Healy, Executive Director and CEO of Swarmer Jo Schneider, Founder of DVE Solutions and recipient of the Fearless Innovation Award. Together, we discussed the powerful stories that business numbers tell and how they can guide decision-making, strategy, and innovation. It was also an important reminder that numbers don’t just reflect past performance, they can shape the future when you know how to read and use them. For business entrepreneurs, this ability to adapt with foresight is what drives long-term success. Australian Government support for female entrepreneurial success I was also delighted to connect with Minister Andrea Michaels, representing the Australian Government, who continues to champion women in business and highlight the role small businesses play in South Australia’s economy. Her support, alongside programs that provide resources, funding, and inclusion, is critical for female entrepreneurial success. Walking away from the event, I felt energised and proud to be part of such a vibrant business community. Female business leaders are not only driving growth and innovation, we are also showing the next generation what’s possible when you back yourself and your ideas. Building community, inclusion and resilience As a female founder and director, I’m passionate about helping women build financial confidence, embrace money management, and create businesses that can thrive. When women entrepreneurs succeed, the impact extends far beyond our balance sheets, it strengthens our families, our communities, and our economy. Actions like gratitude practice, employee recognition, and a focus on diversity and inclusion can help shape more positive, resilient organisations across industries in Australia. Whether you’re just starting out as a female entrepreneur, growing your business, or already established, I’d love to connect and continue the conversation. Follow me on LinkedIn for more insights on business, leadership, and financial confidence. Here’s to a future where more women in business feel empowered to lead with confidence, courage, adaptability, and vision. - Published: 2025-09-23 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/moneyhub/articles/credit-card/how-to-get-out-of-credit-card-debt-australia/ - Categories: Credit Card Learn how to get out of credit card debt in Australia with proven strategies to pay off credit card balances, consolidate credit card debt, and stay debt free.   How much credit card debt are Australians in? According to Finder, the average credit card balance in Australia is $3,443, which makes credit cards one of the most expensive forms of borrowing. With interest rates hovering around 20%, even small balances can balloon quickly if you only make minimum monthly payments. Add in annual fees, interest charges, and balance transfer fees, and the true cost of debt becomes clear. So, how do you pay off credit card debt and stay debt-free? Let’s walk through practical steps, real client success stories, and expert debt management tips from MyBudget. Did you know? Most of MyBudget's clients pay off 90% of their unsecured debt in just over three years. Why is credit card debt so hard to pay off? When you only make the minimum payment on your credit card, most of your money goes towards interest costs instead of reducing the balance. That’s why paying off credit card debt can feel like running on a treadmill, exhausting, with little progress. Add in cost-of-living pressures, multiple credit card providers, and different repayment schedules, and it’s no surprise many Aussies are struggling with their financial situation. But the cycle can be broken. With a clear debt management plan and the right support, you can pay off credit card debt faster and start building savings instead. 6 steps to pay off credit card debt Here’s a simple overview of the 6 steps to pay off credit card debt. For a more detailed roadmap, download our free ebook: 6 steps to eliminate credit card debt. Inside you’ll find templates, strategies, and expert tips to keep you on track and motivated. Step 1: List every debt you have Write down all your credit cards, store cards, buy now pay later accounts, and personal loans. Include the outstanding balance, the interest rate ranges, the due date, and any overdue utility bills. Seeing the full picture is the first step towards taking control of your financial situation. Step 2: How to negotiate with creditors If you’re falling behind, don’t avoid the calls, pick up the phone. According to AFSA, under Australian law, lenders must consider hardship requests. Here’s what you can ask for: Lower interest rate: “Hi, I’m struggling with my credit card debt. Could you please reduce my interest rate to help me manage repayments? ” Payment plan: “I’m in financial hardship. Can we set up a more affordable payment arrangement? ” Waived fees: “I missed a payment due to financial stress. Could you please waive the late fee while I get my finances back on track? ” These conversations might feel tough, but small wins can save you hundreds (sometimes thousands) over time. Step 3: Choose your debt repayment strategy Just like there are many ways to get into debt, there are also proven strategies to get out. Choosing the right debt repayment method can save you money and keep you motivated: Debt avalanche: pay off the highest-interest card first while keeping up with minimums on the rest. Saves the most money overall. Debt snowball: clear the smallest balance first for quick wins and motivation, then roll repayments onto the next debt. Emotional payoff: tackle the debt that causes you the most stress or guilt. Not always the most efficient, but it can give you immediate relief. Whichever approach you choose, consistency is key. Automatic payments can help you stick to your repayment schedules, reduce missed payments, and steadily improve your credit score and credit report. Step 4: Simplify your debts Juggling multiple credit cards, loans and other debts can be confusing and stressful. That’s why one of your aims should be to simplify your finances. You can use our Personal Loan Calculator to see the longer-term effects of juggling multiple interest rates and repayment timelines across different cards and loans. There are different ways to do this, depending on your situation and goals. At MyBudget, we offer: Informal debt arrangements: Our money experts can speak with your bank to negotiate easier terms. Formal debt agreements: we can administer a Part IX Debt Agreement that combines multiple debts into one legal repayment plan. Pay your way out of debt: with the right budget, many people can pay down debts without needing loan consolidation or insolvency. Debt consolidation: combine multiple debts into a single debt consolidation loan to simplify payments and potentially save on interest costs. Is debt consolidation right for you? Bad credit repair: improve your credit rating with an affordable debt management plan, paid off step by step. Bankruptcy support: if it’s the last option, our expert debt team can guide you through the application process and help you explore all debt options first. The majority of MyBudget clients pay off 90% of their unsecured loans in just over three years. Step 5: Create a budget that works A realistic budget is your roadmap to paying off credit card debt. It shows where your money goes each month and what you can redirect towards debt repayments. MyBudget’s free Personal Budget Template can help, or you can book a session with our team to have one designed for you. Using budgeting tools and a budget planner can help you identify money saving tips and improve your debt-to-income ratio. Step 6: Get help to pay off your credit card debt fast Paying off credit card debt can feel overwhelming, but you don’t have to do it alone. Expert support can make the process faster and less stressful. MyBudget’s team works with credit card providers on your behalf, creates a debt management plan that fits your life, and helps you build long-term financial stability. We also offer guidance around credit counselling, credit repair, and financial wellbeing resources. Client success story: how Aaron and Jake paid off $30,000 Aaron and Jake were juggling six credit cards, mounting interest charges, and constant calls from creditors. After years of making minimum monthly payments, their debt kept growing. They were stressed, exhausted, and close to bankruptcy. That’s when they joined MyBudget. Together, we built a realistic budget, negotiated with their creditors, and created a repayment plan using the snowball method. In just two years, Aaron and Jake paid off $30,000 in credit card debt and closed half of their accounts. Today, they’re saving for a home loan deposit and planning holidays without relying on credit cards. For the first time, we’re planning holidays without even thinking about using a credit card. We now see the value in saving. Jake , MyBudget Client Their story shows that paying off credit card debt is possible, with the right plan and support. Tammy Barton’s expert tips to get out of credit card debt Budget your way out: if you can’t clear your balance each month, it’s a red flag. Build a budget that prioritises repayments Use balance transfers wisely: balance transfer credit cards and 0% balance transfers can be a short-term solution, but only if you commit to clearing the balance before the intro period ends. Always check for an annual fee, balance transfer fee, and comparison rate Automate payments: set up autopay or automatic payments so repayments happen on time and you’re not tempted to skip them. View this post on Instagram A post shared by MyBudget (@mybudgetau)   Wants vs needs: a new money mindset Often, the hardest part of paying off credit card debt isn’t the maths, it’s the habits. Distinguishing between wants and needs, and making mindful spending choices, can prevent you from sliding back into debt. Check out Tammy Barton’s blog on why a positive money mindset can be your greatest financial asset, and the secret weapon to getting out of credit card debt for good. Ready to get out of the credit card debt cycle? MyBudget can help! Paying off credit card debt can feel overwhelming, but MyBudget can help you negotiate with creditors, consolidate credit card debt, create a debt management plan that reduces your overall balance, and set up a money saving plan for your future. Whether you’re dealing with unsecured loans, buy now pay later balances, or need mortgage refinancing options, we can help you explore the best debt relief solutions for your financial situation. We’ve already helped over 130,000 Australians pay off debt and live life free from money worries, and we can help you too. Book an appointment with one of our money experts now, or call us directly on 1300 300 922. Imagine where you could be, 12-months from now. - Published: 2025-09-22 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-money-mindset-is-your-greatest-asset/ - Categories: Tammy's Thoughts We often hear about the importance of budgeting, saving money, and investing when it comes to financial wellbeing. And while these practical tools are undeniably crucial, there's an underlying, often overlooked, asset that can truly make or break your journey to financial success and overall happiness: your money mindset. How does your money mindset affect your financial situation? Think about it. We’ve all faced challenges, both big and small. Perhaps an unexpected bill landed in your lap, or you hit a roadblock in your career. It's in these moments that your internal dialogue, your perspective, and your relationship with money become your most powerful allies, or your most significant obstacles. A positive mindset isn't about ignoring problems or pretending everything is perfect. It's about approaching difficulties with a fundamental belief that there's always a way out. I've met thousands of clients and I know there is always a way. It's about seeing setbacks not as dead ends, but as opportunities to pivot, learn, and find a new path forward. This belief in finding a solution, no matter how daunting the challenge, is the cornerstone of true financial resilience. How does a positive mindset influence your financial decisions? Resilience in the face of setbacks: a positive money mindset allows you to bounce back faster when your household finances or budget don’t go to plan. Instead of spiralling into despair over loan repayments, credit card bills, or buy now pay later debt, you’ll be more inclined to calmly reassess, adjust your Budget Planner, and seek a practical solution. Empowerment over victimhood: if you believe you are a victim of circumstances, you'll feel powerless. A positive mindset shifts this into empowerment, helping you take control of your financial management, whether it’s improving your credit score, reducing expenses, or building an emergency savings fund. Opening doors to opportunity: when you approach your financial goals with optimism and abundance, you’re more likely to spot opportunities, a new income stream, an investment strategy, or a smarter way to manage bank statements and household utilities. Motivation for consistency: whether it’s paying off a home loan, building an investment portfolio, or growing your retirement fund, a positive mindset fuels motivation to stay consistent with your financial planning. Reduced stress and better decision-making: research from Monash University tells us that optimism about the future is linked to saving more often. With a positive outlook, you can make clearer, more strategic financial choices. Can a negative mindset affect your financial situation? Yes, a negative mindset can hold you back financially. Insights from the same Monash University study show that people who feel pessimistic about their financial situation are less likely to save and more prone to harmful money habits. This kind of outlook can lead to poor financial decisions driven by: Fear Avoidance Limiting beliefs. For example, you might avoid opening bank statements, feel overwhelmed by loan repayments, or assume you’ll never improve your credit score. Negative money thoughts can also fuel stress, damage mental health, and make it harder to spot opportunities. Over time, this can impact wealth accumulation, borrowing power, and overall financial wellbeing. Knowing when to ask for financial help And here’s a crucial point: it’s okay to ask for help. In today’s world, many of us feel pressure to figure everything out alone, especially when it comes to money management. But asking for help is not a weakness, it’s a sign of strength and wisdom. It shows you believe in solutions and are willing to leverage financial education and the expertise of others. Whether it’s a financial advisor, a trusted friend, a family member, or a professional service like MyBudget, reaching out can provide new perspectives and strategies. You don’t have to carry the burden of debt, budgeting, or financial behaviour changes alone. At MyBudget, we've seen countless times how a shift in money habits, combined with support, can spark financial transformation. It’s not just about the numbers; it’s about believing in your capacity to improve them, building on your financial literacy, and creating a life where you don’t have to worry about debt, bills, or creditors. Book a free online appointment with one of our money experts now to see where you could be financially 12-months from now. Practical ways to cultivate a healthy money mindset Practice gratitude: use a gratitude journal to regularly acknowledge the good things in your life, however small. Challenge limiting beliefs: question negative money thoughts. Are they accurate, or are they old money stories from family influences holding you back? Surround yourself with positivity: wealthy people often build strong support networks. Spend time with people who uplift you and promote positive financial habits. Set achievable goals: use a vision board or a free Budget Planner to celebrate small wins, paying down credit cards, building automatic savings plans, or reaching an emergency savings fund target. Focus on solutions, not problems: direct your energy towards solutions, whether that’s refinancing to manage interest rates, reviewing bank statements to cut subscriptions, or reaching out to MyBudget to take the first steps to get out of debt. Embrace asking for help: seeking advice from financial advisors or using budgeting apps isn’t weakness, it’s a smart investment in your financial wellbeing. Final thought: your money mindset is the foundation of your wealth Your mindset is your most valuable asset. Nurture it, protect it, and remember, there is always a way out. Whether you’re working on saving money, planning for superannuation, or building wealth accumulation through investment strategies, sometimes the bravest move is reaching out for support. With the right financial habits, financial literacy, and a resilient mindset, Australians everywhere can take charge of their household finances and create a future filled with confidence and financial wellbeing. Want to find out more about having a healthy mind? Check out my 7 Secrets to a healthy mind blog. - Published: 2025-09-15 - Modified: 2025-09-15 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/meal-planning-to-save-money/ - Categories: Savings Tips Want to know how to start saving money on groceries in Australia? This blog shows how a meal planning money saving plan can cut your grocery bill and help you reach long-term savings goals like buying your first home. Tammy Barton, Founder & Director of MyBudget shares her top tips on how meal planning to save money helps you reach your money goals faster. Meal planning or meal prepping is one of the easiest ways to save money in your household budget, especially if you’re trying to reach big financial goals like saving for a house or saving for a holiday. By planning your meals in advance, you cut down on food waste, avoid last-minute takeaways, and stretch your weekly budget further. Think of it as the ultimate money saving plan that works quietly in the background, helping you feel organised and in control of your household. What do Australians spend on groceries? According to the Finder Consumer Sentiment Tracker, grocery bills are climbing. In December 2024, Aussies were spending an average of $301 a week on groceries, the highest since 2019. By August 2025, that dropped to $209. This chart shows how weekly household grocery spending has changed over time. What are the benefits of meal planning? A money saving meal plan delivers more than a lighter grocery bill, it helps your health, time, and stress levels too. Key benefits include: Financial benefits Saves money by reducing impulse purchases and lowering your grocery bill Cuts food waste by using what you already have and planning around it. Health benefits Promotes healthier eating with balanced meals and portion control Reduces unhealthy food choices by avoiding last‑minute Uber Eats. Time & stress benefits Saves time with fewer shopping trips and faster meal prep Lowers stress by eliminating daily “what’s for dinner? ” decisions. More benefits Keeps you organised with shopping lists and set ingredients Encourages variety by trying new recipes and cuisines. It’s a budget win, a lifestyle upgrade, and a boost for your overall wellbeing. How much money can meal planning save? By combining meal planning with other simple money saving methods, MyBudget clients Erin and Adam saved $70,000 for a house deposit while still enjoying home-cooked meals and sticking to their money goals. Erin says: “We didn’t feel like we were missing out. Having meals planned meant we had more control and less temptation to overspend. ” Erin and Adam are proof that these small, repeatable habits work. Their money saving plan was built on practical, everyday choices, and it worked. Want to know how they did it? Read Erin & Adam’s financial story and see how smart planning turned into financial freedom. “We laid out what we were spending over a year and thought, maybe if we just halve that amount, it’ll get us to what we want to achieve much sooner. ” Erin - MyBudget client How to save money on groceries with meal planning Wondering how to start saving money fast with meal planning? It doesn’t need to be overwhelming. Here’s how to get started: Check your pantry and freezer: build meals around what you already have Pick recipes you’ll actually eat: rotate them each week to keep it simple Write your grocery list: stick to it and shop smarter by checking specials Prep slow cooker dump bags: a simple, time‑saving way to meal prep and reduce food waste Use supermarket home brands: cheaper, often the same quality Shop seasonal fruit & veg: fresher and more affordable. For a head start, use our Personal Budget Template to see how meal planning and grocery savings fit into your weekly budget. @mummyandmeeatallergyfree ⭐Dump bags for the win 🫶You can find all 5 recipes by clicking the link on my bio #slowcooker #dumpbag #slowcookerrecipe #thirdtrimester #easymealprep #easydinner #easydinnerideas original sound - mummyandmeeatallergyfree Why can't I stick to my meal plan? If you’ve tried meal prepping before and it hasn’t worked, MyBudget can help. Sticking to a meal plan can feel impossible when life gets busy. The key is to make it flexible and realistic: Start small: aim for 3-4 planned dinners a week instead of seven Stay flexible: swap meals around depending on your schedule Cook what you enjoy: no point planning meals nobody in the family likes Batch cook and freeze: future you will thank you on hectic nights Have backup options: keep easy “lazy night” meals on hand, like omelettes or pasta Meal planning isn’t about being perfect, it’s about setting yourself up to save money, reduce stress, and make everyday life a little easier. Extra money saving tips to save on groceries in Australia Beyond meal planning, there are more ways to cut your grocery bill without compromising on healthy eating: Shop the weekly sales and build meals around discounts Try meal prepping lunches instead of buying out Cook double portions and freeze leftovers for busy nights Plan a meat-free meal Avoid impulse buys by eating before you shop. These strategies help you save money while still eating well. Want to see how small weekly grocery savings add up? Use our Savings Calculator to find out how your meal planning wins could turn into thousands towards bigger goals like a house deposit. PSA: Not sure who needs to hear this, but if you're tapping at Aldi, you're paying extra!  Avoid the 0. 5% surcharge by inserting your card and selecting 'savings' instead! You're welcome. How else can I save money on household bills in Australia? Meal planning is a great money saving tool, but it’s only one piece of the puzzle. Reducing your overall expenses means you free up even more for your money saving plan. Quick tips include: Switch to LED bulbs and use cold water washes to cut electricity costs Adjust heating/cooling by a degree or two to save up to 10% Compare energy, phone and internet providers regularly for better deals Plan meals around specials and stick to a shopping list to save on groceries Audit subscriptions to avoid paying for unused services. Ready to get a money saving plan that works? Meal planning to save money is just the start. MyBudget has helped over 130,000 Australians pay off debt, build savings, and reach their long-term financial goals without the stress of going it alone. We’ll set up a money saving plan that works for your lifestyle, meal plans, groceries, bills, savings, and everything in between. Start by downloading our free 2-week meal planner by Accredited Practising Dietitian, Samantha Stuk. Then, let’s chat about how MyBudget can help you: Pay bills on time Get out of debt and save for long-term goals Build an emergency fund Live life free from money worries. Because your house deposit, holiday, or financial freedom could start with something as simple as a money saving meal plan and a shopping list. Enquire online now and one of our expert money coaches will be in touch, or call 1300 300 922 for immediate financial relief. For even more ideas, check out our comprehensive guide on how to save money in Australia. Packed with even more practical tips to boost your savings plan. FAQs: Saving money and meal planning in Australia What is the best money saving plan for groceries in Australia? A realistic plan includes meal planning, shopping lists, and using comparison sites to find the best supermarket deals. This keeps your grocery bill predictable and your savings account growing. How can I save money fast on groceries without sacrificing health? Shop seasonal fruit and veg, swap to supermarket home brands, and prep meals in advance. These saving habits lower expenses and still support a healthy diet. What are the easiest ways to start saving money each week? Start small: set up a savings account, cut subscriptions like Netflix or Spotify you don’t use, and redirect those small amounts into your emergency fund or savings goal. Is meal planning really cheaper than takeaway in Australia? Yes. Even with rising cost-of-living pressures, cooking at home is significantly cheaper than regular takeaway. Meal planning helps you budget for groceries and avoid credit card debt linked to overspending. Can grocery savings help with bigger financial goals like a mortgage deposit? Definitely. As Erin and Adam proved, combining meal planning with a money saving plan helped them save $70,000 for their house deposit. Small weekly savings add up to big wins for your financial situation. {"@context":"https://schema. org","@type":"FAQPage","url":"https://www. mybudget. com. au/blog/savings-tips/meal-planning-to-save-money/","@id":"https://www. mybudget. com. au/blog/savings-tips/meal-planning-to-save-money/","mainEntity":} - Published: 2025-09-10 - Modified: 2025-12-18 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/spring-clean-your-finances-australia/ - Categories: Budgeting Tips Now is the time to take control of your money. A fresh season is the perfect chance to dust off your money goals, pay off debt faster, start saving, and reach your financial goals with confidence. At MyBudget, we believe every day is the right day to get your personal finances organised. Freshen up your money goals this spring: budget better, pay off debt faster, and start saving with MyBudget. Spring clean your money: budget better, get out of debt and start saving Spring cleaning your finances is like decluttering your home, except you’re tackling bank accounts, utility bills, and habits instead of cupboards. Review your budget. Cancel subscriptions you don't use. Compare different insurance policies. Make sure your money goes to important things. These include paying off debt, building savings accounts, and reaching your long-term financial goals. “Being with MyBudget has really helped us achieve our goals faster than we ever thought possible. ” Erin & Adam, MyBudget clients Why a healthy money mindset is the key to creating good financial habits  Practising a healthy money mindset is the first step to a successful financial spring clean. Even if your financial start hasn’t been perfect, it’s never too late to change your money story. Mindfulness around spending, saving and credit helps you stay intentional with your choices. Small shifts can have a big impact, such as: Do a weekly money check-in with your partner or family Create a realistic money plan that matches your lifestyle and goals Practise gratitude for progress made, no matter how small Reframe setbacks as learning opportunities rather than failures Focus on what you already have instead of what you lack Visualise your long-term financial goals to stay motivated Remind yourself that small, consistent progress builds wealth over time Talk kindly to yourself about money, avoiding guilt or shame. For more inspiration on how to have a healthy mindset, check out Tammy Barton's blog on 7 secrets to a healthy mind. 10 tips to spring clean your finances These quick money saving tips will help you budget better, reduce debt, and boost your savings with confidence. 1. Review your budget If you’re wondering how to start a budget or how to budget better, begin by checking your account statements and transaction history. Are you still paying for things you don’t need? Is your household budget aligned with your lifestyle and long-term financial plan? Use our free Personal Budget Template and other budget planning tools to get a clear picture of your income, monthly bills, and savings potential. 2. Subscription audit Streaming and entertainment services, apps, gym memberships, small costs add up quickly. Go through your bank account and cancel anything you’re not using. Our subscription creep guide is packed with money saving tips to help you spot sneaky holes in your budget. 3. Get a better deal on bills With the rising cost of living, saving money on household bills can free up much-needed cash. Use our get a better deal checklist and comparison tools to check providers for electricity, car insurance, health insurance, and phone plans. This simple deep clean of your financial position is an easy way to get ahead financially without big sacrifices. 4. Set realistic financial goals Want to buy your first home, save for a house deposit, or pay off credit card debt?  Clear goal-setting gives you focus. At MyBudget, we’ll help you create a savings plan or debt management strategy that balances today’s needs with tomorrow’s dreams and helps you reach your long-term financial goals. 5. Start an emergency fund Life happens, cars break down, kids need braces, jobs change. An emergency fund is essential to help with debt or avoid relying on personal loans. Even a small buffer of $500 to $1,000 makes a big difference. Need more assistance getting set up for an emergency, check out the full blog: How to set up an emergency fund. I am very happy that l’ve joined MyBudget. It takes commitment and time but the results are great. They set me up to have the life style of my choice. Giovanni, MyBudget client 6. Sort out your superannuation Your super fund is one of your biggest long-term assets, yet many people lose money through duplicate accounts or missing paperwork. Take time to: Check your nominated beneficiaries are up to date, and ensure any binding beneficiary nomination forms are signed, submitted, and kept current (they generally need to be renewed every three years). Find and consolidate any lost super to avoid duplicate fees, use the Australian Taxation Office Super Finder Tool. Research the best-performing superannuation fund for your situation. Sorting your super now is a powerful step toward long-term financial planning and security. 7. Start meal planning Food and drink are one of the biggest areas where households overspend. Meal planning to save money helps you avoid last-minute takeaways and impulse grocery buys. Use our free Meal Planning on a Budget Guide to create tasty, affordable meals while saving money on groceries. 8. Boost your savings Automating transfers into a high-interest account helps you build savings consistently. Whether it’s for a holiday or a house deposit, a structured savings plan helps you stay motivated and see results faster. Use our Savings Calculator to see how quickly you can start saving money. 9. Refinance your home loan When was the last time you checked if your home loan rates are still competitive? With interest rates changing, a quick home loan health check with MyBudget Loans could reveal ways to reduce your interest payments, save money on household bills, or pay off your mortgage faster. Our specialists will review your financial documents and guide you through the pros and cons of refinancing. 10. Consolidate credit card debt Credit card debt and Buy Now, Pay Later accounts can quickly spiral out of control. Consolidating debt into one manageable repayment can reduce interest, simplify your monthly bills, help you get out of debt and save money faster. Our team can provide debt relief solutions, personalised strategies for paying off credit card debt, and help with debt management so you regain control.  Is debt consolidation right for you? FAQs for spring cleaning your finances What is financial spring cleaning? It’s the process of reviewing your household budget, cutting unnecessary costs, and setting new financial goals. Think of it as a seasonal deep clean for your money. How often should I spring clean my finances? Don’t wait for spring to review your finances, start right now. MyBudget recommends reviewing your budget every few months, or whenever your financial position changes, such as starting a new job, moving house, or taking on a loan. Can spring cleaning my finances help with debt? Yes. It can highlight areas where you can free up money to pay off credit card debt or consolidate debt into one manageable repayment. Does MyBudget offer tools to help with financial spring cleaning? Absolutely. We provide free budgeting tools, calculators, and resources to help you manage money better. {"@context":"https://schema. org","@type":"FAQPage","url":"https://www. mybudget. com. au/blog/budgeting-tips/spring-clean-your-finances-australia/","@id":"https://www. mybudget. com. au/blog/budgeting-tips/spring-clean-your-finances-australia/","mainEntity":} Tammy Barton, MyBudget Founder & Director, shares expert tips on how Australians can save money on household bills, reduce money stress, and get ahead financially. How MyBudget can help you reduce money stress and achieve your financial goals Spring cleaning your finances isn’t just about saving a few dollars, it’s about creating a financial plan to reduce money stress, strengthen your financial position, and achieve your long-term goals. At MyBudget, we’ve helped over 130,000 Australians manage money better, reduce debt, and build savings for the future. If you’re ready to see what your next 12 months of money could look like, book a free appointment with one of our caring money experts today or call us on 1300 300 922. - Published: 2025-09-08 - Modified: 2025-09-08 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/home-guarantee-scheme-changes-2025/ - Categories: Savings Tips From 1 October 2025, the fast‑track expansion of the Home Guarantee Scheme in Australia will slash income caps, lower deposit requirements and open eligibility to more Australians. These updates will cut deposit saving time by about 1. 7 years and reduce costs by around $25,000. What is the Home Guarantee Scheme? The Home Guarantee Scheme is an Australian Government initiative that supports eligible first home buyers, families, and single parents to buy a home sooner. Instead of needing the typical 20% deposit, participants may be able to purchase a property with as little as 2% to 5% deposit, without paying costly lenders mortgage insurance (LMI). Under the scheme, Housing Australia guarantees part of the loan, allowing lenders to approve eligible buyers even with smaller deposits. This means less time saving and more time moving into your own home. Key updates to the Home Guarantee Scheme in Australia According to the Housing Industry Association (HIA), the expanded Home Guarantee Scheme could reduce the time and cost burden on first home buyers by about 1. 7 years (or around $25,000). This is significant for Australians who are currently renting while trying to save. Here’s what’s changed: Wider eligibility criteria: all citizens and permanent residents aged 18 and over, whether first home buyers or those who have not owned in the past 10 years, will be entitled to apply. Higher property price caps: property price limits have increased in many areas, making it possible to purchase homes in more markets across Australia. Support for families: the Family Home Guarantee Scheme continues to assist single parents with at least one dependent, with the option to buy a home with just a 2% deposit. Regional support: the Regional First Home Buyer Guarantee helps people buy in regional areas, supporting housing growth outside capital cities. Why this matters for Australian first home buyers The biggest hurdle for most first home buyers is saving for a deposit while balancing rent, bills, and daily living costs. With the First Home Guarantee Scheme, eligible buyers can get into the market sooner, without the added cost of LMI (which can be tens of thousands of dollars). For single parents and families, the Family Home Guarantee Scheme has been a game-changer, opening the door to property ownership where it may have once felt out of reach. Regional buyers are also benefitting from targeted support through the Regional First Home Buyer Guarantee. Who is eligible for the Home Guarantee Scheme in Australia? Eligibility criteria differ depending on the scheme, but generally you need to: Be an Australian citizen or permanent resident Be at least 18 years old Meet the income threshold (set by the Federal Government) Intend to live in the property as your principal place of residence Fall within the property price caps set for your location Have not owned a home in 10 years. You’ll also need documentation such as your Australian Taxation Office Notice of Assessment to prove income and eligibility. How MyBudget Loans can help you use the Home Guarantee Scheme to get into your first home sooner Navigating government schemes, eligibility criteria, and the fine print can feel overwhelming. That’s where we step in. At MyBudget Loans, we work with you to: Understand your eligibility for the Home Guarantee Scheme Compare lenders who are part of the program Structure your home loan application to give you the best chance of approval Explore other options if you don’t meet the criteria just yet. Our goal is simple: to help you achieve your dream of home ownership sooner. The bottom line: Home Guarantee Scheme benefits for Australians The updated Home Guarantee Scheme is more inclusive and flexible than ever, potentially cutting years off the time it takes Australians to save a deposit. Whether you’re a first home buyer, a single parent, or looking to settle in a regional area, there may be a pathway for you. Ready to see if you qualify? Before you start, try our Home Loan Calculator to see an estimate of your potential borrowing capacity under the Home Guarantee Scheme. Then Enquire online or call the team at MyBudget Loans on 08 8215 7519 today and find out how we can help you get into your own home faster. - Published: 2025-09-01 - Modified: 2025-09-01 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/7-secrets-to-a-healthy-mind/ - Categories: Budgeting Tips We celebrated our annual MyBudget Purpose Day recently; honestly one of my favourite days on the calendar! It’s a time when our whole team comes together to learn, grow, and reconnect with why we do what we do. Purpose Day is designed to stretch us, to bring fresh thinking and inspire us to become better leaders, teammates and people. It’s about equipping ourselves with the mindset and tools to keep growing, both personally and professionally.   This year, I shared something close to my heart: how to have a healthy mind. Just like our physical health needs regular exercise, fitness, and a balanced diet, our minds need daily habits like mindfulness, meditation, and quality sleep to stay strong and resilient. Looking after our mental wellbeing is what allows us to think bigger, lead better, and show up with energy and purpose; at work, at home, and in every social connection. These are the 7 secrets I live by; the mindset shifts that shape how I lead, grow, and keep striving. Secret #1: Embrace imperfection Life is not perfect, and that’s okay. Mistakes aren’t failures; they’re feedback. Every challenge is an opportunity to grow. The most successful people I know aren’t flawless; they’re brave enough to try, fail, learn and go again. And most importantly they aren’t too proud to ask for help! This mindset builds confidence, capacity, and healthier long-term health outcomes. Secret #2: Remember thoughts aren’t facts Our feelings come from how we interpret events, not the events themselves. And sometimes our brains play tricks; fortune-telling, catastrophising, or assuming the worst. The real power comes when you stop accepting every thought as truth and start asking: is this thought serving me, or holding me back? This simple evaluation is one of the most practical tips I know for reducing anxiety and building self-esteem. Secret #3: Emotions are like the weather They come and go, and that’s normal. Stress isn’t always bad; the right amount can sharpen your focus and lift your performance. The skill is learning emotional regulation: ride the waves, don’t get stuck in the storm. With the right habits; exercise, mindfulness, focus time, and even short tricks like deep breathing; we can calm the brain and restore balance. Secret #4: You choose your response Emotions don’t control us; our choices do. When you feel that urge to react, ask the “Magic Question”: what’s the helpful thing to do now? Often, the best choice is the one that goes against your first impulse. For example, if you send a message and don’t get an immediate reply, it’s easy to assume the person is upset or ignoring you. A more balanced option is recognising they may simply be busy, driving, or caught up in something else. This shift in behaviour shows knowledge, emotional strength and creates better communication and connection. Secret #5: Practise healthy thinking Realistic. Balanced. Helpful. That’s the thinking sweet spot. Whenever I feel stuck, I work through my thoughts with a simple check: is this accurate, is it balanced, and will it move me forward? If not, I rewrite the story I’m telling myself. These practical tips improve mental health, workplace effectiveness, and overall wellbeing. Secret #6: Be kind to yourself The most important relationship you’ll ever have is the one with yourself. Swap self-criticism for self-compassion. Talk to yourself the way you would a best friend, with encouragement, forgiveness, and kindness. Leadership and resilience don’t come from being hard on yourself; they come from backing yourself. Self-compassion reduces fatigue, builds calm, and strengthens both mental wellbeing and physical health. Secret #7: Focus on gratitude What we focus on grows. Small words of thanks may seem simple, yet they carry extraordinary power. Research shows it lifts mood, improves sleep, and increases satisfaction with life. Start small, a dinner table ritual, journalling, or a gratitude letter. Sharing gratitude improves social connection, builds confidence, and has proven positive health outcomes. True happiness isn’t about being “happy” all the time. It’s about building wellbeing and resilience so that when life throws challenges our way, we bend without breaking. These habits, from fitness to mindfulness, gratitude to self-compassion, keep me grounded as a leader, a mum, and a woman building something bigger than herself. I hope they inspire you to keep striving, keep growing, and keep choosing the thoughts and actions that make you stronger. - Published: 2025-08-28 - Modified: 2025-08-28 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-save-money-in-australia-our-ultimate-guide/ - Categories: Savings Tips Are you struggling to save money and break free from living payday-to-payday, especially with today’s rising cost of living? Learn how to start saving money, create a money saving plan, and take control of your financial situation with a smart budget that helps you reach your financial goals. Saving money with a budget plan Saving money isn't just about hoping there's something left at the end of the month; it's about having a clear savings plan that prioritises your expenses, sets financial goals, and reduces money stress. Without a solid approach, unexpected costs can quickly lead to credit card debt, loans, or dipping into savings accounts. Waiting for payday is exhausting, but a strong budget can change everything. In this guide, we'll cover practical money saving tips, budgeting strategies, and ways to cut household expenses so you can achieve your savings goals. Whether that's buying your first home, saving for retirement, or building an emergency fund. How do I start a budget and save money faster? If unexpected bills keep knocking you off track, the best way to save money is to set up a personal budget. A well-structured budget matches your income with your expenses and helps you stick to your savings goals. What are the steps to start a budget? Here are 4 easy steps to do a budget: Download MyBudget's free Personal Budget Template: It’s a simple tool that helps you set up your money saving plan List all your income sources: salary, side hustles, government benefits, and any other money coming in Track your expenses and categorise them: break them into fixed expenses (rent, home loans, insurance, subscriptions) and variable costs (groceries, transport, entertainment) Review and adjust regularly: cut non-essentials, redirect money into savings accounts, and tweak your plan when costs or income change. Even small savings can add up. Sticking to a budget helps you save money fast and build towards bigger financial goals. Looking for a more in-depth guide on how to budget better? Check out our step-by-step guide: How to set up a budget. How can I automate my savings? Automating transfers is one of the easiest ways to build consistent monthly savings. Set up an automatic transfer from your bank account to a separate savings account each payday. By making saving automatic, you’re far more likely to stick to your money saving plan. What is the best savings account in Australia? The best way to grow your savings fast is by finding a high-interest savings account. Compare banks, interest rates, and reviews, and look for bonus savings plans that reward regular deposits. Separate your savings from everyday bank accounts to avoid temptation and help achieve your financial goals sooner. How to save money on groceries with meal planning Meal planning, or meal prepping is a proven way to save money fast on groceries and reduce food waste. By creating money saving meal plans and sticking to a shopping list, you’ll cut down on impulse spending and lower your food bills. Do you need meal prep inspiration? Check out our complete guide on Meal planning to save money. “According to Canstar Blue, the average Australian household of three spends around $178 a week on groceries, that’s $771 a month or almost $10,000 a year. ” Top tips to save money on groceries Buy seasonal produce and swap brands for cheaper alternatives Reduce food waste by storing and reusing leftovers Stick to a shopping list to cut overspending Use loyalty programs for extra savings. Looking for more money saving tips? Check out our blog on how to spring clean your finances. How do I save money on household bills in Australia? Cutting household bills is one of the quickest and most effective ways to free up cash for savings. By reviewing energy, insurance, and service providers regularly, you can often uncover big opportunities to reduce expenses and put more money towards your financial goals. Tammy Barton, Founder and Director of MyBudget, recommends these expert money saving tips: Cut your electricity costs: switch to energy-efficient bulbs, use cold water for washing, turn off standby appliances, and compare providers regularly Stop overpaying for your phone and internet: compare plans every 12–24 months, bundle services, consider prepaid, and negotiate better deals Save money on groceries: plan your meals, shop the sales, try home brands, and consider Aldi for pantry staples Audit your monthly subscriptions: cancel unused ones, rotate services, or share family plans to save hundreds a year. Every dollar saved on bills is money that can go into your emergency fund, retirement savings, or a house deposit. Want more tips to cut your household bills? Read Tammy's full guide on how to save on household bills. How can I save thousands on big-ticket items? To save thousands more, focus on cutting your biggest household costs like home loans, cars, and energy bills. Should I refinance my home loan? Refinancing your mortgage could save you thousands each year, especially if interest rates drop. MyBudget Loans clients save an average of $10,000 annually on repayments. A home loan check-up is one of the best ways to free up money for savings. Book a free home loan health check with the MyBudget Loans team right now. Is downsizing my car worth it to save money? Yes.  According to the RACV, downsizing your car or selling a second vehicle can save up to $5,000 a year on loan repayments, insurance, and fuel costs. Can renting out unused space help me save more ? Absolutely. Renting out a spare room, garage, or storage space can add extra income to your budget. The Flatmates. com. au Share Accommodation Survey 2024 found that 72% of people said rent relief was their main reason for sharing. Almost half said they could not afford to rent a whole property by themselves. More young Australians are sharing living costs due to the high cost of living and it’s a practical way to reach savings goals faster, such as saving for a home deposit. Client success story: Erin & Adam saved $70,000 for a house deposit in under two years with MyBudget. Hear their journey on the MyMoney MyStory podcast. What are quick ways to save money today? Do a subscription services audit. See our full guide: How to stop subscription creep. Sell clutter online for quick cash. Get started here: how to sell things on eBay Try a no-spend money challenge to spend less and save fast Buy second-hand on Facebook Marketplace to save on anything from clothes to fridges. Save money on coffee: make barista-style espresso at home. Curious how much you could save? Try the MyBudget Savings Goal Calculator to find out now. How much do I need in an emergency fund? At MyBudget, we suggest a minimum of 3-months of expenses in a separate savings account. You can start by saving small amounts, redirecting tax returns, or taking on a side hustle. Having an emergency fund reduces reliance on credit cards and helps protect your financial situation. If you're ready to take your savings to the next level and want a strategy that helps keep you on track, MyBudget is here to help. How can MyBudget help me save money? For over 25 years, MyBudget has helped 130,000+ Australians reduce money stress and build long-term savings. We provide: Personalised budget plans Debt relief solutions Expert support to achieve savings goals. Imagine where you could be 12 months from now with a clear savings plan in place.  Enquire today or call MyBudget on 1300 300 922 and take the first step towards financial freedom. - Published: 2025-08-27 - Modified: 2026-01-19 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/budgeting-for-a-baby/ - Categories: Budgeting Tips Budgeting for a baby can quickly get out of hand, especially when you start to factor in both the immediate and ongoing costs. We’re here to help. Wondering how to budget for a baby? How much does it cost to have a baby in Australia? This guide covers budgeting for a baby, parental leave, government benefits, childcare costs, and tips to financially prepare for your growing family. - Published: 2025-08-25 - Modified: 2025-08-25 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-stress-less-about-money/ - Categories: Debt Help Financial stress impacts all aspects of our life.. See how Pete and Alyssa overcame their money problems and became less stressed about money. Money stress is something nearly every Australian is feeling right now. Rising bills, interest rates, and the cost of living make it harder to stay on top of everyday finances. If you’re always stressed about money, you’re not alone. But what if you could take back control and feel confident about your money again? Let’s break down what financial stress looks like, why it affects so many of us, and most importantly; how to stress less about money. 54% of Australians report going into debt to make ends meet. WeMoney, 2024 What is financial stress and why does it matter? Financial stress is more than just having overdue bills. It’s that constant worry about whether you can keep up with expenses, cover debts, and still move towards your financial goals. It affects mental health, relationships, sleep, and work performance. When money feels out of control, it impacts every area of life; which is why finding solutions matters. Beyond Blue, 2024 Why are so many Australians stressed about money? The WeMoney 2024 Financial Wellness Report highlights the biggest money stressors: Having to make cutbacks in everyday spending Worrying about affording basics like groceries and energy bills Struggling with high-interest credit card debt Not having enough money to cover an emergency. These everyday pressures explain why almost half of Australians say they feel anxious or overwhelmed about money. It’s not just numbers on a report, it’s about stability, confidence, and peace of mind. How does money stress affect your health and life? Money stress isn’t just financial, it’s emotional and physical too. It can leave you feeling anxious, exhausted, and disconnected. Reports such as WeMoney show that financially stressed Australians are less likely to rate their mental health as good, and many avoid dealing with money altogether. This has a ripple effect on relationships, work, and even long-term goals. To help manage both the financial and emotional side of stress, you might want to begin budgeting right now. Check out our guide on how to set up a budget or download our free Personal Budget Template. How do I stop stressing about money? Reducing money stress takes a plan, and some supportive steps to turn those good intentions into action. 5 Steps to stop stressing about money: Create a personal budgetThe first step to stopping money stress is to set up a budget. It’s your financial roadmap, showing what’s coming in, what’s going out, and where your money can take you. This is where your true money potential lies. Build an emergency fundEven a small buffer of savings can turn unexpected bills into manageable bumps instead of a full-blown crisis. It’s one of the smartest ways to reduce money stress and protect your financial confidence. Pay off high-interest debtPaying off high‑interest debt, like credit cards and payday loans, is one of the most effective ways to reduce financial stress. It frees up cash flow, cuts down on interest charges, and improves your overall financial health Automate your financesDirect debits and automatic transfers keep bills and savings on track; less admin, less money stress, and more confidence knowing everything is paid on time. Talk openly about money stressShare your financial goals and challenges with your partner or family. Teamwork reduces financial stress and builds accountability. You might also explore the concept of loud budgeting, as Tammy Barton, MyBudget Founder and Director explains in her blog on how loud budgeting is helping Australians talk about their money choices, set healthy boundaries, break down money taboos, and feel more supported in reaching your financial goals. Practice mindful money habitsStay present with your spending and recognise triggers that lead to overspending. Adjust your money mindset by focusing on needs vs wants, and make mindful choices that align with your financial goals. Small, intentional steps like this add up to less money stress and more confidence. Get help with money earlyMost of our clients say they wished they had called us sooner... so imagine where you could be one year from now if you start today. Book your free appointment today and get a free 12‑month tailored budget plan with no lock‑in contract. Yes! I want to stop stressing about money today! “At MyBudget, we believe that budgeting is not something you do, it’s something you live... If you have the right system in place, from day one, you know you’re on track to achieve your goals. ” Tammy Barton, MyBudget Founder & Director How Alyssa & Pete became debt-free on one income: MyBudget client success story Alyssa and Pete, Australian parents of three, found themselves using credit cards to cover unexpected expenses and struggling to stay ahead. Despite earning well, they felt trapped by debt and constant money stress. With MyBudget’s help, they: Paid off more than $65,000 in debt Transitioned successfully to living on a single income Gained the clarity and confidence to start saving. “There is not a financial decision that I will make without calling and talking to them first. ” Alyssa, MyBudget client What debt help is available when you are feeling stressed about money? If your money stress is caused by unmanageable debt, you’re not alone. MyBudget helps clients explore a wide range of debt relief solutions, including: Debt management plans and repayment strategies Debt consolidation loans Negotiated hardship arrangements Formal debt agreements (such as Part 9 Debt Agreements) We work with you to create a tailored personal budget and debt solution so you can move from financial stress to financial freedom. Is it time to get help with money stress? Money stress doesn’t have to be your story. With a tailored budget, debt solutions, and financial support, you can take back control of your money, achieve your financial goals, and build the life you want, free from money stress. Join the 130,000+ Australians who’ve turned their finances around with MyBudget. Enquire online or call us today on 1300 300 922 to start your journey to financial freedom. - Published: 2025-08-08 - Modified: 2026-01-19 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/bloom-employee-financial-wellness-program/ - Categories: Savings Tips Financial stress affects your team's wellbeing and your business’s performance. Bloom is the no-cost solution that empowers your people and creates a stronger, more supported workplace. What is employee financial wellness? Employee financial wellness is more than just employee benefits, it's about how confident and in control your people feel about money. From paying bills on time to saving for long-term goals, it covers everything that helps someone feel financially secure and resilient. I know first-hand, when your employees have the tools, support, and education to manage their money well, everything changes. They’re less stressed, more focused, and better equipped to handle both work and life. And that’s where businesses have a unique opportunity to step in and truly make a difference. Let me explain why this matters now more than ever. Investing in your people: tackling the business impact of financial stress According to AMP's Financial Wellness Report, (2024): Financial stress is costing Australian businesses $88. 95 billion in lost productivity each year. And that number is growing. The increasing cost of living isn’t just a household issue, it’s quietly reshaping our workplaces. From reduced focus to rising burnout and disengagement, financial stress is impacting how your people show up at work. But there's good news: employers who step up to support their employees’ financial wellbeing can unlock measurable improvements in productivity, staff retention, and workplace culture. Before we dive into the solution, let’s take a closer look at the scale of the problem. How big is financial stress in Australian workplaces? AMP (2024) say, financial stress among working Australians is at its highest level in a decade. The ripple effects are being felt from offices, warehouses, to construction sites across Australia. Check out these alarming stats: 66% of Australians say they feel financially stressed Only 1 in 3 feel financially secure Financial stress is the #1 source of distress, more than work, health, or relationships Rising inflation and high interest rates are compounding the pressure on cash flow and expenses. The impact of financial stress on employees: 34% link their financial distress to burnout, tiredness, and disengagement 88% of financially stressed workers say it affects their work performance 55% worry about money while at work, leading to presenteeism 11 hours per month are lost to personal finance distractions during work time 22% have taken sick leave or time off to deal with creditors or loans. What is financial stress costing your business? When employees are in financial stress, it inevitably affects their work. Consider the direct and indirect costs to your business: Reduced productivity: it's incredibly difficult to focus on work when worries about bills or debt are weighing heavily on your mind Lower employee engagement: employees under financial strain often feel disengaged, impacting their motivation and commitment Higher turnover: persistent financial pressure can lead employees to seek new opportunities, increasing recruitment and training costs for your business. Data from Employment Hero - Wellness at Work Report (2024) underscores this: Nearly half (46%) struggle to afford basic necessities before payday 56% of Gen-Z report financial stress as their main pressure 72% admit to negative behaviours, such as poor sleep, loss of motivation, or binge spending, due to financial pressure Nearly half (46%) struggle to afford basic necessities before payday. Why aren’t employees asking for help? Because financial stress is personal and people are struggling to speak up: 60% of employees say they feel uncomfortable talking to their manager about money 2 out of 3 feel guilt or embarrassment 35% of financially stressed Australians don’t seek help at all. So what do employees actually want? Your team needs real, practical support that helps them take control of their money and feel confident in their future. Employees want smart, simple resources that actually make a difference, like savings tools, budgeting apps, and real-time financial support with budgeting that helps them pay bills on time, reduce debt, build savings, and plan ahead. Financial wellbeing support does more than manage budgets or improve cash flow, it creates financial peace of mind and gives employees the confidence to focus at work, the freedom to engage fully, and a genuine sense that their employer values them. When financial wellbeing is prioritised, productivity rises, retention improves, and your people thrive. Bloom: the solution to employee financial wellness Bloom is an employee financial wellness program proudly powered by MyBudget. It empowers your team with total money management solutions that reduce money stress and increase productivity, all at no cost to your business*. This is your opportunity to become a leader in employee financial wellness by offering meaningful benefits that help your people thrive,at work and in life. What Bloom offers: A free 2-hour budget appointment with a Personal Budgeting Specialist A personalised 12-month budget plan Exclusive discounts on MyBudget services if they choose to continue Full onboarding and employee communication handled by our team. This program is designed for Australian workers at all financial literacy levels. Whether workers are planning for retirement income, managing loans, or trying to keep up with rising cost of living, Bloom gives expert help at every step. Supporting your team’s financial wellbeing is no longer optional, it’s a strategic investment in your people and your business plan. With Bloom, employers see real results: Improved productivity and employee engagement Reduced absenteeism and staff turnover Stronger morale, better employee feedback, and higher retention A more financially fit and stress-free workforce. My perspective on employee financial wellbeing: what I've seen at MyBudget At MyBudget, the results have been transformational. I’ve seen firsthand the shift that happens when people feel financially secure: fewer distractions, better mental health, more energy and positivity, and a renewed sense of confidence in both their personal and professional lives. Our people show up differently, more focused, more present, and more empowered. That’s exactly what Bloom delivers. It’s not just about money, it’s about creating a workplace where your people feel supported, valued and ready to grow. When employees are financially well, your whole business flourishes. Ready to transform your business with employee financial wellness that works? For over 25 years, MyBudget has helped more than 130,000 Australians build confidence, increase savings, reduce debt, and improve their financial health. This is your opportunity to become a leader in employee financial wellness, offering benefits that deliver lasting results for both your business and the people who power it Contact Bloom, powered by MyBudget today to receive your free info pack or call us directly on 1300 300 922. - Published: 2025-08-06 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/fathers-day-gift-ideas-australia/ - Categories: Budgeting Tips Whether you're buying for a tech-loving dad or an outdoor adventurer, discover the best Father's Day gift ideas in Australia that are thoughtful, practical, and won’t break the budget. From thoughtful handmade gestures to splurge-worthy gadgets and getaways, this gift guide is packed with Father's Day gift ideas to make Dad smile and keep your budget on track. Struggling to figure out what to buy for Dad this Father's Day? This ultimate gift guide for Australian dads is full of ideas. It includes personalised gifts, gadgets, gourmet snacks, and practical picks that won't cost too much. From under $10 to over $100, we’ve got Father’s Day gifts for every budget, plus some helpful planning tips to make sure you’re not left scrambling come 1 September. Father’s Day isn’t just about biological dads. It’s a chance to honour every father figure who’s had our back, stepdads, grandpas, uncles, mentors, teachers, and even mums pulling double duty. Whether they taught us how to ride a bike or how to set up a budget, these legends deserve a shout-out. And let’s also celebrate the Dad's who are no longer with us, this day is for remembering them too. Because Father’s Day is really about saying thanks to those who’ve shaped our lives. Let’s celebrate them all with love (and maybe a few socks). When is Father's Day 2025 in Australia? Father’s Day in Australia is celebrated on Sunday, 1 September 2025. Mark your calendar and start planning early! Ready to start ticking off that wishlist? Whether you’re keeping it thrifty or going all-out, here are 25 Father’s Day gift ideas sorted by budget to make your planning simple: Gifts under $10: cheap Father's Day gifts DIY spice blendMix up a custom BBQ rub and label it "Dad's Secret Recipe. " Bonus points for memory-making potential during your next family cook-up. Personalised coffee mugBig W and Kmart offer customisable mugs that scream "Best Dad Ever. " Add a photo, quote or in-joke to make it one of a kind. Keyring with your favourite photoTurn a cherished memory into a keychain he’ll carry everywhere. Sentimental and super affordable (we’re talking $4. 95 at Officeworks). Stainless steel water bottlePractical, stylish and often on sale in ALDI’s Special Buys. Perfect for work, gym or travel. Chocolate bars with handmade wrappersWrap his favourite sweet treat in a custom message, it’s a low-cost, high-impact way to say "thanks. " Dad joke:What do you call a fish wearing a bowtie? Sofishticated. Gifts under $20: affordable gifts for Dad Tool organiserBunnings has plenty of options to help Dad keep his gadgets, clippers and DIY tools sorted. Custom phone caseUpload your own photos or message for a personalised case. Great for techy dads. Gift card to his favourite storeLet him choose! JB Hi-Fi, Myer or even an ALDI Special Buys spree will go down a treat. DIY gourmet snack basketThink smoked almonds, chilli chips, chocolate bars and craft beer. It’s a mini hamper with major impact. Mini indoor plantSucculents or bonsais bring good vibes without needing a green thumb. Add a handmade card for a personal touch. Dad joke:Why can't you give Elsa a balloon? Because she’ll let it go. Gifts under $50: unique gifts for Dad Coffee lover’s starter packPair a travel wireless charging mug or French press with gourmet beans or a subscription to a local roaster. Bluetooth speakerFind a portable option with solid sound performance and long battery life. Ideal for backyard BBQs or fishing trips. Photo book or memory albumUse a service like Snapfish to design a photo book filled with family moments and captions. Grooming essentials kitCreate your own pack with razors, shaving cream, skincare and cologne. Wrap it in a leather toiletries bag for bonus points. Engraved BBQ toolsA set of tongs, spatula and a custom apron with his name? The ultimate gift for BBQ dads. Gifts under $100: splurge-worthy without breaking the bank Personalised leather wallet or journalOpt for monogrammed initials or an engraved message. Functional and meaningful. Tech gadgetsSmart home devices, digital thermometers or grooming gadgets like a beard kit. You might even score a great deal during the Afterpay Day sales. Massage gunHelp Dad unwind with a handheld muscle massager. Often on sale at Chemist Warehouse or Amazon. Outdoor gearThink YETI coolers, barware sets, golf gloves or even a portable fire pit. Perfect for sporty or outdoorsy dads. LEGO collector setFor the kid-at-heart: a LEGO Star Wars or Marvel action figure collector's set. Dad joke:What do you call a factory that makes okay products? A satisfactory. Gifts over $100: for when you really want to spoil Dad Weekend getawayGift an experience voucher or book a stay at a local retreat. It’s about memory-making, not just the item. Recliner or man-cave upgradeIf the family wants to pitch in, a comfy new chair or bar fridge upgrade could be the hero gift. Noise-cancelling headphonesPerfect for mowing the lawn, working out or relaxing without interruption. Experience vouchersFrom fishing charters to AFL tickets or gourmet cooking classes, give him something to look forward to. Subscription boxesChoose one that suits his interests: BBQ meats, books, coffee, or even skincare. It's a gift that keeps on giving. View this post on Instagram A post shared by MyBudget (@mybudgetau) Why the best Father’s Day gifts aren’t always expensive The truth is, Father’s Day isn’t about how much you spend. It’s about the love behind the gift. Whether it’s a handmade spice rub, a smart tech gadget, or a weekend away, the goal is to make Dad feel valued. Thoughtfulness beats a price tag every time. How MyBudget can help with Father's Day budgeting Father’s Day creeps up fast. But budgeting for it doesn’t have to be stressful. With MyBudget, you can set aside money for special occasions like Father’s Day, while still smashing your long-term goals. We’ll help you get organised, avoid last-minute spending sprees, and make sure every dollar brings joy to you and Dad. Because there’s something extra satisfying about gifting from the heart and knowing the cost has been budgeted for. Book online for a free chat or call MyBudget today on 1300 300 922 to find out more about how we can help you. Happy Father’s Day to all the dads, stepdads, grandads and father figures doing the hard yards, juggling work, life, and lawn maintenance, and still showing up with a smile. - Published: 2025-08-04 - Modified: 2025-08-04 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/afterpay-day-sales-save-without-blowing-your-budget/ - Categories: Budgeting Tips Get the best 2025 Afterpay Day deals without debt: Learn what Afterpay Day is, when it starts, how long it lasts, and how to budget for it like a pro. Why budgeting helps you plan ahead to make the most of Afterpay Day deals You know what’s better than scoring 40% off sneakers during Afterpay Day sales? Actually having the money to pay them off, on time, stress-free, and without a single late fee or credit mark. If you missed the EOFY sales and you’re planning to shop the upcoming Afterpay Day sale, this is your must-read guide. We’ll show you how to budget better, shop smarter, and use Buy Now, Pay Later (BNPL) without crushing your credit score. Because grabbing big discounts shouldn’t leave you with unmanageable debt. When is Afterpay Day 2025? Afterpay Day 2025 runs from Wednesday, 14 August to Saturday, 17 August. Mark your diaries. This shopping event is a key date in the 2025 retail calendar. It attracts major brands like THE ICONIC, Mecca, Sephora, Dyson, Coach, and New Balance. Expect exclusive online and in-store deals across fashion, home, beauty, technology and more. To access the sales, you’ll need to shop with retailers that offer Afterpay as a payment option, available both online and in-store at checkout: Browse the Afterpay shop directory or your favourite retailer's homepage Shop with participating brands across Australia Choose Afterpay at checkout and pay in four interest-free instalments. What is Afterpay Day and how does it work? If you're wondering "what is Afterpay Day? ", it's a national sales event run by Afterpay, designed to help users access major discounts while using their BNPL platform. It’s like Black Friday, but with instalments. Are Afterpay Day sales only online? No, Afterpay Day sales are available both online and in-store at participating retailers, giving shoppers flexibility no matter how they like to shop.   Retailers across Australia join the event. They offer great deals on fashion, sneakers, cosmetics, tech, lifestyle, and homewares. You can shop online or use click and collect in-store. Afterpay Day 2025 offers a user experience made for budget-smart shoppers. How long does the Afterpay Day sale last? The August Afterpay Day sale lasts four days only, from August 14 to August 17. Wondering when the Afterpay Day sale ends? The event ends at midnight Saturday. Loyal customers and email subscribers should use early access or social media teasers from brands like JB Hi-Fi and David Jones. Looking for the best Afterpay Day sales Australia has to offer? Keep an eye on your inbox and social feeds for early announcements. How to use Afterpay Day to budget ahead for Christmas If you like to plan or dislike last-minute Christmas chaos, Afterpay Day is a good chance to buy gifts, decorations, and beauty products early for the festive season. Need inspiration? Our Summer budgets are made in winter blog is your perfect guide for Christmas in July, filled with budgeting ideas that will help you beat the December rush. How does Afterpay Day affect your credit score? BNPL is booming in Australia, with 38% of Aussies using a Buy Now, Pay Later service in the past 6 months according to Finder. But it’s not all smooth sailing: 1 in 4 users admit to missing a repayment, and 20% say it’s led them into unmanageable debt. That’s why understanding the risks before shopping the Afterpay Day sales is so important, especially now that services like Afterpay are officially regulated under the National Consumer Credit Protection Act just like traditional lenders. That means: Credit checks are now part of the sign-up or spending limit increase process Late payments can lead to defaults if unpaid over 60 days and above $150 Using multiple BNPL accounts can look risky to lenders. So while you might feel like you’re winning on price, it’s worth understanding the long-term financial impact. We’ve broken it all down in our blog: Does Afterpay and Buy Now Pay Later affect your credit score? Smart ways to shop the Afterpay Day sale Let’s flip the sales strategy. Instead of Afterpay guiding your spending, let your budget take the lead: Plan your spending limit before the event begins, use our free Personal Budget Template Stick to one BNPL provider to improve your credit health Set payment reminders and avoid late fees Don’t use Afterpay for everyday basics like groceries or fuel. Pro tip: if it wouldn’t make it into your usual budget, it might not belong in your cart. Want to use Afterpay without getting caught in the debt trap? Here’s the smarter way to shop sales: plan for them. MyBudget has helped over 130,000 Australians get out of debt and take control of their finances. If you're experiencing money stress or looking for debt relief solutions, our expert team will help you create a plan that works for your life and goals. We can help you prep for Afterpay Day sales by: Setting up a budget that includes seasonal events and special deals Automating your payments, so you never miss a due date Helping you build savings so you can buy now without relying on pay later Supporting your long-term financial wellness goals, not just the next online checkout. Whether you’re shopping for Father’s Day, browsing lifestyle upgrades, or eyeing off a new Chromebook, we’ll help you plan for it with confidence. Enquire with MyBudget today or call us on 1300 300 922 and be ready before the next big sale lands in your inbox. Need help getting out of debt? Our free eBook 10 steps to get out of debt guides you through your Australian debt relief options, from budgeting to debt relief programs, so you can find the best path forward. - Published: 2025-07-24 - Modified: 2026-01-19 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/how-much-does-mybudget-cost/ - Categories: Money Management If you've been thinking about joining MyBudget, this blog answers the number one question individuals ask. How much does it cost to get expert support with your personal budget and financial goals in Australia? - Published: 2025-07-23 - Modified: 2026-01-22 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/is-inheritance-your-only-hope-of-buying-a-home-in-australia/ - Categories: Tammy's Thoughts Have you ever thought that waiting for an inheritance is your only way into the housing market? I'm Tammy Barton, Founder and Director of MyBudget, and I want to share how creating your own financial independence through budgeting is achievable, and is the most powerful step you can take toward financial security.   Why are so many Australians relying on an inheritance? At MyBudget, we're hearing from families who are worried their kids might never be able to buy a home. And I get it, the numbers are confronting. According to PropTrack, national home values hit a record median of $923,000 in June 2025, and they’ve been rising steadily for years. This means buying your first home now requires far larger deposits than what the average young Australian can save alone or even as a couple. Add in stagnant wages and the rising cost of living, and it's no wonder so many Australians are looking up the family tree as their financial plan. While it might seem like a good idea, I want to share why I believe building your own financial independence is not only more reliable, it's empowering. The inheritance illusion: why waiting isn't a plan We're in the midst of what's being called the "inter-generational wealth transfer," a massive handover of wealth from Australia's ageing Baby Boomer population to younger generations. According to Finder, 2025: 10% of Australians are relying on an inheritance to achieve a major financial goal like buying a home or retiring. But there's one problem: nearly half of Australians say their family isn’t in a position to even leave an inheritance. While it's true that trillions are expected to pass down over the next two decades, relying on a future windfall comes with fine print. Inheritances often arrive late in life, vary greatly in size and you could be hit with an inheritance tax. How budgeting changed my life (and set me up for the future) Budgeting has been absolutely critical in my journey to building wealth. From the moment I got my first job, I wrote out a budget every single week. This became even more important when I started having to pay bills at 16 - things like car registration, insurance, petrol, and even buying my own food. Budgeting taught me the fundamental principle of living within my means and how to save up for what I wanted. Although, I did take out a car loan at 18 as my $700 Mitsubishi Galant was unreliable (to say the least! ). I budgeted to pay my new car, a Ford Laser, back twice as quickly as required. That discipline stuck with me. Relying on an inheritance vs creating your own financial independence My strong view is to always create your own financial independence. Over the years, I've seen many clients receive inheritance only to lose or spend them quickly. It's often "easy come, easy go. " You simply cannot rely on anyone else's money because it might not be there, or it might not be the amount you anticipate. Building your own wealth instills discipline, knowledge, and a sense of accomplishment that inheritance rarely provides. Talk to your kids about money: start the conversations early Here’s a big one: inter-generational wealth isn’t just about inheritances. It’s about conversations. I definitely talk to my kids about money, but we don't focus on family wealth. Our conversations revolve around how they can achieve financial independence by buying their own homes, saving, and investing. From a young age, I've garnished their Christmas and birthday money and saved it in the bank for them (before they could spend it! ). This allowed them to buy their first cars! My kids are aware that what I have will ultimately go to them one day. However, they also hear me tell my own parents, "I don't want any money from you; I want you to spend every last penny before you go and enjoy your life! " So, the philosophy is to save while you're young and spend before you go! I believe many parents feel a strong sense of responsibility to provide for their children, and leaving money behind when they pass is often seen as the right and noble thing to do. However, I also think there’s a responsibility to ensure that wealth creates meaningful opportunities, like a home deposit, education, or support for future generations. A legacy isn’t just money, it’s the values you pass on I love the idea of leaving a legacy, but for me, it’s never been just about money. A true legacy is the values, lessons, and positive impact you leave behind. It’s the imprint you make through your actions, character, and the principles you live by. For me, that means raising independent, responsible, and compassionate individuals who know how to manage money, but also how to make a difference. Wealth matters, but it’s what you do with it, and how you prepare the next generation, that counts most. I've received an inheritance, what should I do with it? Inheritances don’t come with instructions, but a solid budget can make sure your inheritance money doesn’t vanish overnight. Whether you’ve received a deposit boost, a lump sum, or help paying down debt, having a plan is what turns one-time money into long-term financial freedom. MyBudget can help you protect what you’ve inherited and turn it into real, lasting progress toward your financial goals. So should you just wait for an inheritance to buy a home? Simply put: no. An inheritance windfall could be helpful someday, but as a housing strategy, it’s unreliable. Waiting may push your home ownership dreams even farther away. Instead, shape your own future with the tools you’ve got, whether that’s having a realistic budget plan, strengthening your investment portfolio, starting your retirement savings plan or saving with purpose. My final tips to build your own financial independence and not rely on an inheritance? Save as much as you can. Budget carefully. Invest wisely. And don’t buy stuff you don’t need. That’s the kind of mindset that builds wealth, whether an inheritance comes your way or not. Ready to take the first step toward building financial independence? At MyBudget, we’re here to help you build the savings, structure, and strategy to own a home and save for life's goals on your terms. No inheritance needed. Enquire online or call MyBudget on 1300 300 922 and let’s start your journey to building your wealth today. More blogs on saving: Why am I always broke? How to break the cycle and save money. How to buy a home in 2025: debunking myths and tips for success. - Published: 2025-07-09 - Modified: 2025-07-09 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/summer-budgets-are-made-in-winter/ - Categories: Budgeting Tips Get ahead of the holiday rush with MyBudget’s expert tips and tools to start your Christmas budget plan in July and enjoy a stress-free, debt-free festive season. Can I really start budgeting for Christmas in July? Absolutely, and it might be the best thing you do all year. While the scent of gingerbread and the jingle of bells might feel months away, winter is the perfect time to prepare your Christmas budget. Think of it as your financial pre-season training for the festive season. We know it all too well: December sneaks up and suddenly Christmas spending on gifts, travel, food and festivities blows up your budget like a box of dodgy bonbons. That January bank statement, full of credit card debt and interest payments, can be brutal. But this year, let’s flip the script. At MyBudget, we believe summer budgets are made in winter, and we’ve helped over 130,000 Australians prepare for life’s big moments, including the silly season. Start now and give future you the best gift of all: financial peace of mind. Why should I plan my Christmas budget in winter? Did you know? ASIC report that only 29% of Australians consistently stick to a Christmas budget, meanwhile, over half of MyBudget clients have a dedicated Christmas savings stream built into their budget. That’s the power of budgeting with support! To avoid debt and last-minute stress Starting early means you can spread the cost across multiple pay cycles. Instead of scrambling for hundreds in December, you might only need to save $30–50 per week. That’s a manageable way to avoid racking up credit cards and facing high interest. To shop smarter From EOFY deals to Black Friday sales, July is prime time to grab bargains. Having a gift list and budget now means you’ll avoid panic buying later, and can snap up discounts along the way, whether it’s for a thoughtful present or a Secret Santa surprise. To plan for everything Christmas isn’t just presents. There’s food, Christmas decorations, petrol, Christmas cards, festive outfits, and maybe even a Christmas pudding or two. Planning now means fewer surprises later. View this post on Instagram A post shared by MyBudget (@mybudgetau) What’s the best way to save for Christmas? Not sure where to start? Download our free Christmas Budget Template, it’s designed to help you list expenses, set a savings goal, and track your festive season spending without the overwhelm. Work out your total spend: think Christmas gifts, food, travel, events, wrapping paper, donations, the lot Divide and conquer: break it down by the number of weeks or paydays until mid-December Automate your savings: whether it’s a separate account, a Christmas savings club, or your MyBudget plan, make it automatic Start your gift list now: jot down names, ideas and budget limits, even for your Kris Kringle Watch for sales: tick off items as you find them at great prices, from festive pyjamas to a new Christmas tree. How can MyBudget help? With MyBudget, we’ll help you plan ahead, automate your Christmas savings, pay your bills on time and still have money for summer fun. Our expert money coaches create personalised plans that align with your goals, so December feels joyful, not stressful. Want a debt-free Christmas? Let’s start planning now, from your Christmas order to your holiday expenses, we've got you. Request a call from a money coach or call MyBudget today on 1300 300 922. Want more inspiration?  Learn how to create a Christmas budget in under 30 minutes. - Published: 2025-07-01 - Modified: 2025-12-17 - URL: https://www.mybudget.com.au/moneyhub/articles/credit-card/visa-mastercard-or-amex-which-credit-card-is-the-best/ - Categories: Credit Card Trying to decide between Visa, Mastercard and Amex? This guide breaks down the key differences, from rewards and fees to where it works and what it offers, so you can choose the best credit card for your lifestyle and money goals. When it comes to picking the best credit card, the choices can feel endless, and oddly similar. Wondering whether Visa, Mastercard or Amex is the better choice? These comparisons, Visa vs Mastercard, Visa vs Amex, and the all-in-one Visa vs Mastercard vs Amex, are some of the most searched credit card questions online for good reason. But while they might all swipe the same, the differences can impact your financial position. Let’s unpack the big three, Visa, Mastercard and American Express (Amex), so you can decide which credit card best fits your lifestyle (and budget goals). What’s the difference between Visa and Mastercard? Short answer: not a whole lot, at least on the surface. Both Visa and Mastercard are payment networks, not banks. That means they don’t issue cards or set your interest rates; they simply process credit card transactions. The real differences usually come from the credit card issuer, like NAB, CommBank or Westpac, and what perks they include for you as a cardholder. That said, Visa and Mastercard do offer some consistent perks: zero liability protection for fraud protection on unauthorised credit card transactions emergency credit card replacement for lost or stolen cards access to credit card rewards programs, concierge services and exclusive cardholder offers (depending on your card tier) balance transfer fee offers and options for consolidating existing debt digital wallet compatibility, including Apple Pay and other mobile payment apps. So when you’re choosing Visa or Mastercard, look at the specific card’s rewards, fees, bonus offers, and your existing credit habits. Not just the logo. Is American Express worth it? Amex (American Express) is in its own lane. It's a credit card issuer and payment network, meaning it calls the shots on everything from customer service to Membership Rewards, statement credits, and fraud protection. Some highlights: cashback, travel perks and statement credits are typically more generous with rewards credit cards from Amex. exclusive airport or hotel lounge access and premium services make Amex a hit with travellers but store acceptance is still limited, especially with small or regional merchants. What about Amex fees? Yes, American Express cards often carry higher annual fees and interest rates compared to standard Visa or Mastercard offerings, but for some cardholders, the travel benefits, gift card redemptions, and access to reward cards with premium features might be worth it. “It all comes down to how you spend, where you shop, and what perks you value. ” Tammy Barton, MyBudget Founder & Director Are credit card rewards programmes worth it? Yes, rewards credit cards can be worth it, but only if you play it smart. The key is using them strategically, without letting the shiny perks lead you into overspending. A rewards credit card can work in your favour if: you have a budget and track your everyday spending you always pay off your balance in full by the due date you’re spending on things you’d already buy (grocery stores, petrol, bills) you understand your points structure and how to transfer points or redeem them effectively. Otherwise, you could end up spending more to earn less. That $100 gift card might seem exciting, until you realise you had to spend $20,000 to get it, and your card has a $250 annual fee. That’s a 0. 5% return, not exactly impressive. And let’s not forget the sting of interest. Rewards cards can charge rates of 19–24%. If you're not paying off the balance, your so-called rewards are going straight to the merchant’s bank. A Mozo study found Australians could save up to 23% over 10 years by reducing credit card use. Visa vs Mastercard vs Amex: which card should I choose? Here’s a quick side-by-side of the three credit card networks: FeatureVisa / MastercardAmerican Express (Amex)Widely acceptedNearly everywhereNot everywhereRewardsVaries by issuerStrong, especially for travelAnnual feesLow to moderateModerate to highCustomer serviceDepends on card issuerDirect with Amex – excellentLounge accessVaries by issuer (eg ANZ, Westpac etc)Yes, on many premium cards Still unsure which credit card is right for you? Think about your needs and habits and ask yourself these questions: do I want a card from a widely accepted card network, or one packed with premium features? will I actually use the travel benefits, reward points or statement credits? do I need a card issuer that offers flexible payment options and strong customer support? am I building my credit score or managing an existing balance? do I want a card that works almost everywhere, or one packed with premium perks? will I actually use the travel benefits and rewards? do I need a low-fee card while building my credit score? What should I watch out for when choosing a credit card? It’s easy to get dazzled by reward points, but don’t forget the fine print: high interest rates: the average Australian credit card charges 18% p. a. minimum payments trap: making only the minimum? Read this blog overrated rewards: many reward cards lure you in with exciting benefits but deliver underwhelming returns return protection and complimentary access perks can be helpful, but only if you actually use them hidden payment fees and charges for using your card at certain merchants poor credit habits: if your balance is creeping up or you're juggling multiple cards, rewards may be the least of your concerns. We break down rewards cards in full in our recent blog: The reality of credit card rewards programs: are they worth it? Which credit card should I choose: Visa, Mastercard or Amex? At the end of the day, there’s no one-size-fits-all. It’s about finding a card that supports your lifestyle and your financial wellbeing. Whether it’s Visa’s widespread acceptance, Mastercard’s global travel offers, or Amex’s premium perks, the key is using your credit card wisely. Set yourself up with a solid budget, make repayments in full where possible, and reap the rewards without the regret. If you think a points card might not be best for you, use our free Savings Calculator to see how fast you could build actual savings instead. Is a credit card the right choice for you? MyBudget can help! MyBudget has helped over 130,000 Aussies tackle credit card debt, avoid fees, and actually use their budget to get ahead. We can help you by building rewards that actually last, like savings, peace of mind and knowing your card isn’t in charge of you. Book a free consultation with a Personal Budgeting Specialist today, or call MyBudget on 1300 300 922. Want to know more about credit cards? Read our blog: How to get out of credit card debt and stay debt free Download our free eBook: 6 steps to eliminate credit card debt - Published: 2025-06-19 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/tammys-thoughts/building-financial-resilience/ - Categories: Tammy's Thoughts Let's be honest, the financial world can feel like a bit of a rollercoaster lately, right? One minute it's up, the next it's a bit wobbly, and it's easy to feel a bit uneasy about your own financial situation. But here's the thing: you don't have to just ride the waves and hope for the best. You can actually build incredible financial resilience, that inner strength that helps you not just survive, but truly thrive, no matter what economic curveballs come your way. As the Founder and Director of MyBudget, I've spent over 25 years helping Australians gain control of their finances, and I know firsthand the power of being prepared. Financial resilience isn't some fancy economic term. It's simply about having the confidence and smart strategies in place so that when life throws a spanner in the works, whether it's an unexpected bill, a shift in the job market, or the cost of living crisis, you're ready. It's about taking control, rather than feeling controlled by your finances. And it's a feeling many Australians share, a recent AMP report from July 2024 highlighted that only 1 in 3 Australians feel financially secure. But we can change that. So, how do we build this incredible financial armour? It's all about proactive steps and a really smart money mindset. Ready to get crystal clear on your money? Here's how to create your plan! You wouldn't start a road trip without knowing where you are, would you? Your finances are the same. This isn't about judgement; it's about empowerment. Knowing your current financial position is the very first step to building financial resilience. How do you understand where your money is going? Grab a cuppa and really look at your income versus expenses. Every dollar has a job! Knowing your numbers is the first, most powerful step in managing your money better. The good old spreadsheet is out there to help you do this without it feeling like a chore, or you can download our free Personal Budget Template from our website. Why is an emergency fund vital right now? We all know how important an emergency fund is, but in uncertain times, it's even more vital. Think of it as your financial shock absorber.  Aim for at least three months of essential living expenses tucked away where you can access it quickly if needed. This takes so much pressure off when the unexpected happens, like an unexpected bill or job market shift. If this sounds like a lot, or daunting, start with a target of $1000 in emergency savings. How can tackling debt improve your financial control? High-interest debt, like credit cards, can feel like a constant weight. Making a plan to pay these down isn't just about saving money on interest; it's about freeing up your cash flow and giving you more flexibility and control. This is a huge step in improving your financial stability. Is your money plan flexible enough? Why adaptability is key to financial resilience. Life changes, and so should your budget plan. Rigidity is the enemy of resilience when managing your household budget or personal finances. How do you prioritise your spending when things get tight? Think of your money in layers: what do you need to live, what do you want that adds happiness, and what are you putting towards your future? When rising costs hit, you know exactly where you can adjust without feeling deprived. This smart approach helps you save money on groceries in Australia or other essential spending when needed. Why should you budget for unexpected costs? Instead of dreading unexpected costs, budget for them! Think annual car service, home repairs, and even Christmas. Having specific savings pots or "streams," as we call them at MyBudget, takes away the money stress. This proactive planning is key to avoiding financial stress. What is a "flex/fun savings stream" and why do you need one? This is a little extra buffer in your budget, separate from your emergency fund, that allows you to absorb smaller, everyday surprises without derailing your main budget. It's like a little financial breathing room, your personal financial safety net for the small stuff. Growing and protecting what you've got: making your money work harder for you. Building resilience also means making your money work harder for you, safely. How can diversifying investments protect your money? If you're investing, spreading your money across different types of investments helps protect you if one area takes a hit. It's like diversifying your diet for better health! This is a core principle for smart money management. Why is insurance a necessary financial safety net? We often see insurance as an expense, but it's truly your financial safety net. Think about income protection, life insurance, and even critical illness cover. These are there to catch you if bigger life events come along and impact your ability to earn, helping to safeguard your financial future. How does investing in your skills protect your income? The job market is always evolving. Investing in your skills and staying current makes you more adaptable and valuable, protecting your income streams in the long run. It can also help you get promotions! You can learn so much online these days too, and ebooks can be really affordable when you consider how much you learn from them. This is a crucial aspect of personal financial planning. The power of your mindset: how attitude shapes your financial success. Finally, your attitude towards money is really powerful. With financial stress reaching its highest level in 10 years (AMP, July 2024), managing your mindset is more important than ever. How can you stay informed about the economy without feeling overwhelmed? Know what's happening in the economy, but don't let it consume you. Focus on what you can control in your own financial world. As I always say, "control the controllables. " This positive mindset is crucial for financial well-being. Why is talking about money so important? Money can be a taboo subject, but open conversations with your partner or a trusted financial expert can make a world of difference. You're not alone in this!  Sharing your financial goals and challenges can lead to breakthrough solutions. When should you get expert guidance for your finances? Sometimes, you just need a guiding hand. A financial coach or budgeting expert can help you see the bigger picture, set up your personalised budget plan, and keep you accountable. It's like having a personal trainer for your money! I always say, well, I could cut my own hair, but I don't, I go to a hairdresser as they're the expert. It's the same for your finances. This is where Personal Budgeting Specialists can truly make a difference. Building financial resilience isn't about being perfect; it's about being prepared, proactive, and positive. It's about empowering yourself to face financial uncertainty with confidence, knowing you have the tools and the plan to not just get through it, but to come out stronger and ready to build the life you truly desire. Think about one step you can take today to build a little more financial armour for yourself? My big tip here is, it starts with having a budget! - Published: 2025-06-03 - Modified: 2026-03-03 - URL: https://www.mybudget.com.au/moneyhub/articles/credit-card/credit-card-rewards-programs-are-they-worth-it/ - Categories: Credit Card From frequent flyer programs to a wide range of rewards cards, these loyalty schemes promise freebies. But if you're chasing perks and missing the fine print, it could be costing you more than it's worth. We’ve broken it down so you can decide if rewards cards are the right fit for you. You’ve probably seen the ads: earn Qantas Points on your grocery shop, score a free flight upgrade, or redeem your everyday purchases for a digital gift card. Sounds enticing, right? But here’s the real question, do rewards cards actually reward you, or are you just funding someone else’s holiday? Let’s get into the facts and answer the question, ‘What is the real value of rewards credit cards? ’ What are credit card rewards points programs? Credit card reward schemes are loyalty programs offered by your credit card company to encourage you to spend. You earn points on eligible transactions, such as one point for every dollar spent, which can be redeemed for perks like: frequent flyer points cashback credit cards retail gift cards travel rewards cards statement credits. Sounds pretty good in theory. But like most things in life (and banking), there’s a catch. How do reward credit cards actually work? The idea is simple: spend more, earn more rewards points. But what they don’t highlight in bold font is that: Point values vary: not all points are created equal. One Qantas Point may get you a lot... or very little, depending on flight availability and redemption options. Minimum spend requirements: many cards dangle big bonus offers upfront, but you may need to spend thousands within the first 2-3 months to unlock them. Rewards cards often come with higher interest rates and annual fees: some cards charge $400+ a year just for the privilege of collecting points. Ouch. Redemption restrictions: your dream redemption may be subject to blackout dates, limited availability, or a complex tiered points structure. "If you’re not paying off your balance in full every month, the interest could totally wipe out any benefit you’re gaining in rewards. " Tammy Barton, Founder and Director of MyBudget Are you a good candidate for a rewards card? Rewards cards can work in your favour, if you: have a budget and track your everyday spending always pay your credit card off in full before the due date are spending money you would have spent anyway (groceries, petrol, bills, not spontaneous splurges) understand your card’s points structure and redemption method. Rewards cards tend to suit disciplined spenders with a strong credit score and solid money habits. If that’s not you? The better reward might be peace of mind, not a points balance. Should I choose American Express, Visa, or Mastercard? You’ve got options. Lots of them, so let's look at the main ones: American Express Membership Rewards cards often offer generous point earn rates, but not all retailers accept them, and annual fees can be steep Visa and Mastercard cards tend to have wider acceptance and more low-fee or no-fee options, but may have lower point-earning potential. It all comes down to how you spend, where you shop, and what perks you value. Be clear on your personal preference before applying. What is the real cost of chasing rewards points? Let’s talk dollars and sense. If you: spend $20,000 a year on your card and earn 1 point per $1 spent redeem your 20,000 points for a $100 gift card. That’s a 0. 5% return on your spending. And if you paid a $250 annual card fee? You’re in the red. To break even at that rate, you’d need to spend around $50,000 just to earn enough points to match the annual fee in gift card value. And this doesn’t factor in interest. Rewards cards can have interest rates of 19–24%. If you carry a balance, that’s where your money’s really going. If you're hoping to use your rewards credit card points for travel, it might not stretch far. That $20,000 spend could get you just enough for a one-way domestic flight, often worth less than the annual card fee. Dreaming of an overseas holiday? Rewards flights or upgrades are usually limited to high-status frequent flyers. So the real question is: are the points you're earning actually worth what you're spending to get them? "You may have to spend tens of thousands to get enough points for a rewards flight, and even then, there may be better ways to fund your next holiday. " Tammy Barton, Founder and Director of MyBudget How to use a rewards credit card wisely If you’re going to commit to a rewards card, remember these tips: stick to a spending plan and only use your card for everyday expenses always pay off your full balance before the statement period ends be aware of interest-free days and your card’s terms track your rewards and make sure your redemption rates are worth the effort. Need help tackling your existing credit card debt first? Start with our free ebook: 6 steps to eliminate credit card debt. So, are credit card rewards programs really worth it? If you’re using rewards cards strategically by paying off your balance in full each month and earning points on items you’d purchase anyway. Yes. But if you’re lured into spending more than you normally would just to earn points, those card perks might end up costing you more in the long run. Chasing sign-up bonuses and jumping from card to card might seem savvy, but studies show using credit cards less could save you up to 23%. What’s next for credit card rewards programs? Rewards programs are changing, and not always for the better. While banks keep pumping up the perks, Aussies are checking the fine print. With more exclusions and higher points requirements for less value, many are switching to cashback programs or ditching rewards altogether. Forget points: MyBudget gives you real rewards With over 25 years' experience, and 90% of our clients paying off their unsecured debts in around 3 years, MyBudget helps you take control of your finances, ditch the debt cycle, and save with confidence. When you're with MyBudget, you don’t need to rely on credit cards or rewards points to get ahead. We’ll help you build real savings, so you can buy the things you want without chasing bonuses or racking up interest. The kind of financial rewards that last. Enquire online or call us today on 1300 300 922 to get started. - Published: 2025-04-14 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/credit-card/the-true-cost-of-making-only-minimum-payments-on-your-credit-card/ - Categories: Credit Card Minimum credit card payments might seem helpful, but they can cost you thousands, learn how to pay off credit cards sooner and escape the debt cycle for good. Making minimum payments on your credit card might seem like a smart short-term fix, but it could be quietly costing you thousands of dollars over time. While it keeps your account in good standing and avoids late payment fees, it also traps you in a cycle of mounting interest, never-ending monthly repayments, and financial stress. Let’s break down the true cost of only making minimum credit card repayments, and how to escape the trap for good. What happens when you only pay the minimum? Every credit card statement includes a minimum repayment, usually around 2–3% of your outstanding balance, or a set minimum dollar amount. But here’s the catch: the bulk of that payment goes toward interest charges, not your principal balance. Take this example: If you owe $5,000 on a credit card with an annual interest rate of 18%, and you only make the minimum monthly payment of around $100, it could take more than 30 years to pay off the balance. You’d end up repaying over $12,000, more than double your original credit card debt. That’s a long and expensive road for one shopping spree. Why do credit card companies set minimum payments so low? In short? Because it benefits them. Credit card issuers design these low minimum payment percentages to stretch out your debt repayment over a longer period, giving them more time to collect interest. While that might be great for the card issuer’s profits, it’s not so great for you. Month after month, interest continues to build, especially if you're still using the card and increasing your credit card balance. Some credit card providers even encourage you to pay the nearest dollar above the minimum, which sounds helpful but still won’t make a real dent in your debt. The psychological impact of long-term debt Paying off debt slowly can feel like running on a treadmill, you’re moving, but not going anywhere. This ongoing financial difficulty can cause what's known as debt fatigue, where your motivation dips and you lose confidence in your ability to become debt-free. It’s not just about the dollars. It’s about the weight of seeing your monthly credit card statement barely change or worse still, going up. That constant pressure can impact your mental health, your decision-making, and your overall financial future. How to break free from the minimum payment cycle If you're ready to stop going in circles, here’s how to turn things around: 1. Pay more than the minimum Even an extra $50 a month can cut down your repayment period and save you heaps on interest. Use tools like a credit card repayment calculator to see how much quicker you can pay off credit cards sooner by upping your monthly payments. 2. Prioritise high-interest cards Use the avalanche method: focus on cards with the highest annual percentage rate first, while maintaining the minimum repayments on others. It’s one of the fastest ways to reduce the cost of your credit card debt and repay your cards sooner. 3. Consolidate with a balance transfer A balance transfer credit card with a 0% introductory interest-free period can give you time to repay your original balance without new interest piling on.  But be cautious: once the promotional period ends, the interest kicks in, and sometimes it’s even higher. Make sure you’re taking full advantage of the interest-free time to clear your credit card debt sooner. 4. Use windfalls wisely Got a tax refund, bonus, or unexpected cash? Put it towards your credit card payments instead of splurging. A one-off lump sum can significantly reduce your outstanding balance and help you pay off your credit card sooner. 5. Automate extra payments Set up a direct debit to automatically pay more than the minimum repayment. You’ll stay consistent without having to think about it each billing cycle, and it’ll help you repay your credit cards faster without the effort. How MyBudget can help you pay off debt sooner At MyBudget, we help Australians avoid the debt trap by designing personalised repayment plans that suit your life and income. We’ll help you: Slash interest and pay off credit card debt sooner Avoid hidden charges and credit card fees Pay bills on time with automated services Rebuild your credit history Save for the future with achievable plans. We’ve helped over 130,000 customers regain control and live free from money worries. Whether you’re trying to get on top of credit card balances, boost your emergency fund, or improve your credit rating, we’re here to make it happen. Ready to break free from the minimum repayment cycle? Getting ahead doesn’t require winning the lottery, just a solid plan, some guidance, and maybe a little help from the pros. Don’t let the costly interest charges of minimum credit card payments hold you back any longer. Enquire online or call MyBudget today on 1300 300 922 to explore a tailored strategy that helps you pay off credit cards sooner, clear your credit card debt faster, and finally get ahead financially, because your life is too valuable to spend it paying off interest. - Published: 2025-04-10 - Modified: 2025-04-10 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/how-to-sell-things-on-ebay/ - Categories: Savings Tips Did you know the average Aussie household is sitting on $7,000 worth of unused items at home? According to Statista’s last study, Aussies are collectively sitting on over $60 billion worth of second-hand stuff. More than 85% of us have unused gear gathering dust. That’s an emergency fund, a decent chunk off your credit card, or about 737 chaotic trips through the Bunnings plant section. If the idea of selling on eBay feels a bit overwhelming; listing fees, postage, writing descriptions; don’t worry, it’s easier than you think, and we’ll walk you through exactly what to sell, how to price it, and how to turn your clutter into cold, hard cash (without the Saturday morning garage sale chaos). Sell your unused items on eBay I asked Adam, one of our MyBudget team legends, what he does with things he no longer uses: I bought a backpack for a holiday and never used it. A year later, I listed it on eBay during a clear-out, and what I made helped cover some bills. Adam, MyBudget staff member So yes, that unused Nutribullet and the box of tech relics you’ve moved house with three times but haven’t touched since Julia Gillard was PM? They might just be your new side hustle. Whether you’re funding your next trip or just trying to clear the spare room (or floor-drobe), it's time to turn your clutter into cash. We'll show you what to list, how to price, and when to sell, plus a few lessons we learned the hard way. And if you're keen for more income ideas, check out our 25 Best Side Hustles in Australia to get inspired. What can I sell on eBay? Basically, anything that isn’t bolted to the floor. But especially: Vintage fashion items (hello, 90s band tees) Electronics (even the ‘it kinda works’ ones) Collectables (yes, those Beanie Babies might be worth something) Baby gear, tools, books, shoes. Think about things your kids have outgrown, gadgets gathering dust, or that juicer you swore you'd use weekly. If you haven’t used it in a year (or forgot it even existed), it’s probably safe to list. These unwanted items could easily become best-selling items if you include quality images and clear product details. How do I set up an eBay seller account? Getting started as a seller on eBay is surprisingly easy, and free. Just head to the eBay dot menu and sign up for an account. You can pick a personal account (if you’re a casual seller just offloading a few things) or a business one if you plan on building an empire. Either way, you’ll need to: Verify your identity Add your bank account details to get paid Choose your payment method (eBay handles this for you now). eBay uses Managed Payments, so no PayPal dramas. Just add your valid payment method during setup, and you’ll get paid directly after each sale. How to set up your eBay seller profile Next, create your eBay seller profile. This is your shopfront, so make it friendly and clear. Upload a profile pic, write a short blurb, and set your shipping and returns policies. If you’re planning to sell regularly, explore eBay Store subscription options, they come with perks like discounted seller fees and more active listings per month. eBay's guidelines for selling Also, eBay has policies (of course it does). As one of the world’s biggest online marketplaces, they want things running smoothly. You’ll need to follow eBay’s product listing guidelines, post items accurately using a list of item specifics, and respond to potential buyers promptly. It’s all about building a positive seller reputation and avoiding those dreaded one-star reviews. Once you’re in, you’re ready to list individual items for sale! Pop into the Seller Hub to track your sales proceeds, manage listings, and check your feedback score. Think of it like your eBay dashboard, less glitter than Etsy, more cha-ching. How do I list an item on eBay? First impressions matter, even for your old blender. A standout eBay listing needs quality images, a clear item description, and accurate details. It’s as easy as: Snapping some great photos (natural light, no mystery shadows, no toes in frame please) Writing a product title with keywords people might search (e. g. “Nike Air Max Women’s Size 8”) Describing your item honestly, including condition and any flaws Setting your starting price and shipping cost (flat rate is easier unless you love maths) Hitting ‘List’ using the basic listing tool and waiting for the cha-chings! How do I write a good eBay item title? Your title is what gets eyeballs on your listing, so make it keyword-friendly and scroll-stopping. Skip the fluff and go for the facts: brand, size, condition, and what the thing actually is. Think “Nike Air Max 270 Women’s Size 8 – Barely Worn” rather than “Cool Shoes! ! ” (which... no one is searching for in the search bar). Here are a few solid examples: “Dyson V7 Cordless Vacuum – Great Condition + Accessories” “Zara Black Linen Blend Blazer Size M – Worn Twice” “LEGO Star Wars Millennium Falcon Set 75105 – Complete with Box”. Basically, if someone typed those words into a search engine or the eBay search bar, your listing would show up. That’s the goal. Keep it snappy, searchable, and relevant. How do I describe an item on eBay? Buyers want the details, what it is, the condition, the size, and any flaws (yes, that scuff mark counts). Be honest, be clear, and don’t waffle. Bullet points are your friend for a user-friendly experience. Example: Brand: Dyson Model: V7 Animal Condition: Used, works perfectly, a few scratches on wand Comes with: Charger, 2 attachments. Use relevant keywords, include product identifiers, and answer questions before they’re asked. You're creating a perfect listing, not writing a novel. Should I auction or fixed price? Auction-style listings are great for rare or collectable items, if there’s buzz, you’ll benefit. Fixed-price listings are better if you just want it sold, preferably yesterday. If you’re unsure, try auction listings with a reserve or list it at a competitive sale price with “Make an Offer” enabled. What are eBay listing fees? Selling on eBay isn’t totally free, but it’s pretty affordable when you understand the fees involved in using a marketplace platform. Here’s the breakdown: A small listing fee (after your first 250 items per month) Final value fee (a percentage of the sale + shipping cost) Optional Promoted Listings to boost visibility on online marketplaces. So how much does it cost to sell on eBay? It depends on what you're selling, but it’s easy to figure out. Use the eBay fee calculator to estimate your costs, including the listing fee and final value fee. And don’t forget: packaging and postage costs can nibble away at your profit like a seagull on hot chips, so factor those in too. Want to see what your eBay side hustle could add up to? Use MyBudget's free Savings Calculator to work out how much you could save (or spend wisely) once you start selling your stuff. What shipping options can I offer? Shipping can feel like the boring admin bit, but it’s essential for a smooth process. Here’s how to make it work: Choose your postage option: you can set a flat rate, offer free shipping (buyers love it), or use eBay’s calculator to estimate shipping cost based on item size and weight Calculate costs: use eBay Labels or Australia Post tools. Factor in packaging, postage labels, and your time Print and post: once it sells, print a shipping label straight from your Payments tab, stick it on, and off it goes Sending it internationally?  Choose from international services or join the Global Shipping Program, eBay sorts out customs and delivery options. How do I set up payment methods? eBay handles payments for you, so no PayPal dramas. Just add your bank details when you set up your account, and you’ll get paid directly once your item sells. Easy. Heads-up: eBay does take a small cut (yep, fees again), and if you’re running a store or using third-party tools, check they all play nicely together. What are the risks of selling on eBay? It’s not all cha-chings and five star reviews. Sometimes a parcel goes missing, fees pop up unexpectedly, or Karen from the Gold Coast leaves a two-star review because Australia Post took a day longer than expected. But with honest listings, fair prices, and decent communication, you’ll avoid most of the headaches. Always: Reply politely (even if they’re being a little bit extra) Be clear in your descriptions Resolve issues where you can, your rating depends on it. If it gets messy, eBay has protections for both sellers and buyers. Use this if needed. Seller ratings matter, they affect how buyers view you and whether they hit that ‘Buy Now’ button. So keep communication clear, fix issues fast, and don’t let one moody review ruin your vibe. TL;DR: here’s your eBay cheat sheet List your clutter, someone out there wants your pre-loved... - Published: 2025-03-17 - Modified: 2026-05-04 - URL: https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/what-is-mortgage-stress-understanding-identifying-and-overcoming-it/ - Categories: Mortgages and Home Loans Everyone wants to protect their home, so what is mortgage stress in your home loan and how do you overcome it? Mortgage stress occurs when a household spends a significant portion of its income, often defined as over 30% of pre-tax earnings, on mortgage repayments, leaving little room for other essential expenses. This financial strain is exacerbated by rising living costs, interest rate hikes, or unexpected life events such as job loss or medical emergencies. In Australia, mortgage stress is a growing concern, with 26. 8% and growing of mortgage holders reportedly at risk. We’re seeing pressure right across Australia, but it’s particularly tough in areas with higher property prices and larger loan sizes. Tammy Barton | MyBudget, Founder & Director   Signs of mortgage stress Difficulty meeting repayments Struggling to pay on time or dipping into savings. Cutting back on essentials Reducing spending on groceries, utilities, or healthcare to prioritise mortgage payments. Increased debt dependence Relying on credit cards or personal loans to cover expenses. Emotional and physical stress Anxiety, sleeplessness, and strained relationships. What causes mortgage stress? Mortgage stress can arise from various factors: Interest rate hikes Higher rates lead to larger monthly repayments. Loss of income Job loss or reduced hours can significantly impact financial stability. Unexpected expenses Medical emergencies or urgent home repairs can disrupt budgets. Over borrowing Taking on a mortgage that stretches finances too thin. “Long-term, it can damage your credit score, limit future borrowing options, and delay achieving your financial goals. ” Tammy Barton, MyBudget Founder & Director How to determine if you're in mortgage stress The free MyBudget Mortgage Stress Calculator simplifies this process: Enter your household income and monthly mortgage repayments Select your repayment frequency View your result: Stress-Free Zone: Repayments < 20% of pre-tax income Danger Zone: Repayments between 20%-30% Stress Zone: Repayments > 30%. This visual tool helps you understand where you stand and offers actionable insights. How personal budgeting can help At MyBudget, we specialise in creating tailored budgets to help you regain financial control. Here’s how we support you: Plan ahead: your income and expenses are mapped out 12 months in advance. Automate finances: we manage your bills, savings, and repayments. Build emergency savings: every budget includes a safety net for unexpected expenses. Tailor to your lifestyle: enjoy date nights, holidays, or savings for a house deposit, all part of your personalised plan. Dedicated support: "I can call MyBudget feeling completely stressed out about an unexpected bill or circumstance, and I always finish off the call feeling relieved and confident that my money is in good hands. " – Sarah, current MyBudget client Practical steps to manage mortgage stress Review your budget: use MyBudget’s tools and expertise to identify savings opportunities Talk to your lender: they may offer options like temporary repayment reductions or refinancing Explore additional income streams: consider part-time work or renting out a spare room Seek professional help: MyBudget provides personalised financial guidance tailored to your situation. Why choose MyBudget? Financial stability isn’t just about managing numbers, it’s about peace of mind. With MyBudget’s Mortgage Stress Calculator and expert support, you can: Reduce financial strain Gain clarity on your finances Achieve long-term financial goals. Take action today Don’t let mortgage stress take over your life. Use our free Money Tools to assess your situation, and let MyBudget help you build a brighter financial future. Ready to transform your finances? Start your personal budgeting journey with MyBudget today. - Published: 2025-03-07 - Modified: 2026-01-21 - URL: https://www.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-alyssa-pete-take-control-of-their-finances/ - Categories: Success Stories Discover how a tailored personal budget helped Alyssa and Pete pay off credit card debt, build savings, manage cash flow, and achieve their financial goals, all without sacrificing their lifestyle. - Published: 2025-03-01 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/when-to-buy-a-new-car-vs-used/ - Categories: Budgeting Tips Trying to decide between buying a new or used car? We break down the pros, cons, costs, and key factors to help you make the best financial decision. When considering whether to buy a new car, the decision can be a significant financial commitment. The appeal of a new car with its fresh smell and cutting-edge technology may be tempting, but is the investment truly worth it? In this article, we will explore the advantages and disadvantages of purchasing a new car to assist you in making an educated choice. From the impact of depreciation on the vehicle's value to the ongoing maintenance costs, we will analyse the key factors you should weigh before deciding to buy a new car. Whether you are looking to upgrade, downsize, or purchase your first vehicle, it is crucial to determine the right time to buy a new car versus opting for a used one. While the idea of owning a brand new car may be alluring, it is essential to have a clear understanding of your budget and actual cost involved, not just now but also in the long term. Is it worth buying a new car: what are the financial and lifestyle benefits? Deciding whether to buy a new car can be a tough decision, especially when considering the financial aspect. While purchasing a new car may not be the most financially viable option due to depreciation in value, it can potentially save you money on other costs in the long run. What are the benefits of buying a new car? Below are some of the benefits of buying a new car: Full warranty and capped-price servicing: how a new car can save you money on maintenance One major advantage of purchasing a new car is the peace of mind that comes with having a full warranty and access to capped-priced servicing. With a new car, you can rest assured that, in the rare event of any faults or issues arising post-purchase, you will be covered under warranty and have the cost of servicing capped. This means that any potential unexpected expenses related to your new car are likely to be minimal. Additionally, the satisfaction of driving a brand new car off the showroom floor and enjoying that fresh new car smell is a feeling like no other. You know what to expect: buying a new car gives you certainty, no surprises, no hidden issues When considering whether to buy a new car or a used car, one major advantage of opting for a new car is the certainty it can provide. With a new car, you know exactly what to expect since no one else has owned it before. This means that there are no hidden issues lurking under the hood that could surprise you down the road. Additionally, a new car is less likely to break down compared to a used car, resulting in lower ongoing costs as parts won't need to be replaced as frequently. If you choose to buy a used car, there is a risk that the previous owner may not have properly maintained the vehicle or disclosed all necessary information about its service history. While buying a used car may initially save you money on the vehicle price, potential future costs could outweigh these financial savings. Therefore, the predictability and reliability of a new car are significant advantages to consider when making a decision between purchasing new or used. Ease of purchase and choice for total automative customisation Another advantage of buying a new car is the ease of purchase and the ability to choose exactly what you want. When you buy a new car from a dealership, you don't have to worry about getting mechanical inspections, title checks, or searching for the perfect car. You can simply pick the car you desire, selecting the colour, features, and any additional extras to customise it to your liking. Additionally, new cars come equipped with the latest safety features and are more fuel-efficient, resulting in lower running costs. This means that not only do you have the convenience of a hassle-free purchase process, but you also get to enjoy a car tailored to your preferences and with advanced technology for a better driving experience. Save money on upfront costs: no need for a pre-purchase inspection when buying new When considering purchasing a new car, you won't need to pay for a pre-purchase inspection. This can save you money on upfront costs and make the buying process more convenient. However, it is still important to thoroughly inspect the vehicle yourself or have a trusted mechanic take a look to ensure that you are making a sound investment. The rise of electric cars: benefits, cost savings, and environmental impact Buying a brand-new vehicle comes with many benefits, especially with the rise of electric vehicles. These types of cars are environmentally friendly and help reduce pollution, making them a great choice for eco-conscious consumers. Owning an electric vehicle can save you money in the long run, as you won't need to spend as much on fuel, allowing you to enjoy both long-term savings and a cleaner environment. The actual costs of buying a new car: depreciation, insurance, and financing explained Below are some of the true costs of buying a new car: Higher insurance and maintenance costs: why new cars can be more expensive to own When considering purchasing a new car, one of the drawbacks to keep in mind is that it can be more expensive to insure and maintain compared to a used car. New cars typically come with higher insurance premiums from insurance companies due to their higher value, as well as the cost of minor and major repairs or replacing parts that can drive up maintenance costs. Ultimately, the amount you pay for comprehensive insurance each year will depend on the coverage you choose and your driving history. Car depreciation explained: how much value your new vehicle loses over time One major drawback of buying a new car is depreciation. New cars tend to lose their value quickly, with a significant decrease in value within the first year of purchase. As soon as a new car leaves the dealership, it can lose up to 10% of its value. Over the following five years, a car can lose up to 60% of its original value. In comparison, used cars, especially those that are at least five years old, have already experienced the steepest depreciation costs, making them a more stable investment. Depreciation is a key factor that many car buyers consider when deciding between buying new or used. The real cost of car financing: loan costs, interest rates, and long-term financial impact One major drawback of buying a new car is the heavy reliance on financing. Canstar report that the average new car loan in Australia is just over $37,000, with a monthly payment of approximately $793. With an average interest rate ranging between 5% and 17% and an average loan term of five years. When financing a new car, the value of the car immediately decreases once you drive it off the dealership. Over time, the car continues to depreciate in value. For example, after five years, the car may be worth less than half of its original retail price. This results in paying more for the car through monthly payments than what it is actually worth. Upon finishing the loan term, you may find yourself with a car worth significantly less than the initial cost. What factors should be considered before buying a car? It's important to think about your specific needs and financial situation rather than getting caught up in the debate between new and used cars. Ask yourself questions like what type of vehicle suits your lifestyle and how much you can afford to spend on it. Research different car options and calculate the true costs to determine which car aligns best with your budget. Additionally, keep in mind that the appeal of a new car can fade quickly, as it becomes a used car as soon as you drive it off the lot. Car running costs in Australia: fuel, maintenance, insurance, and more Fuel is one of the biggest expenses for Aussies who own a car. Here's a break down of Canstar's latest average car running costs: Fuel, average of $4,940 a year Servicing, combined average cost of $319  Tyres, average of $344 Insurance, average of $1,780 a year plus any roadside assistance. Best alternatives to buying a new car: used vehicles, financing options, and cost-saving solutions Below are some of the alternatives to buying a new car: Why buying a 12–18 month old car is the best value alternative to purchasing a new car: lower depreciation, warranty benefits, and cost savings If you're willing to look beyond the allure of purchasing a brand new car, there are plenty of alternatives that can offer you almost everything a new car can at a significantly lower cost. Well-maintained and well-serviced used cars can be... - Published: 2025-02-18 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/rba-cuts-interest-rates-to-4-10-what-it-means-for-mortgage-holders/ - Categories: Mortgages and Home Loans The Reserve Bank of Australia (RBA) has announced a cut to the official interest rate, bringing it down to 4. 1%. This is the first rate reduction since 2020, and for many Australians, this is welcome news. At MyBudget, our office is buzzing with excitement as this change brings significant relief to homeowners. But what does this mean for you and your mortgage repayments? How much will you save? If you have the average-sized mortgage in Australia, this rate cut could mean a reduction of $90 to $100 per month on your home loan repayments. While this might not seem like a massive amount, over the course of a year, it adds up to substantial savings. What should you do next? With this interest rate cut, homeowners have two main options: Enjoy the savings: reduce your monthly mortgage repayments and ease the strain on your budget. Keep your repayments the same: by maintaining your current repayment amount, you can pay off your mortgage faster and save on long-term interest. Plan your mortgage strategy with MyBudget’s Mortgage Repayment Calculator Understanding how this rate cut affects your finances is crucial. Use the MyBudget Mortgage Repayment Calculator to work out exactly how much you could save or how quickly you could pay down your loan by keeping repayments steady. A historic rate cut This is the first interest rate cut since 2020, making it a significant moment for the Australian housing market. For many borrowers who have been grappling with rising rates over the past few years, this reduction brings much-needed relief. Stay informed and take control The interest rate landscape is always changing. Whether you’re a first-time homebuyer or managing an existing mortgage, staying on top of RBA decisions and Australian interest rates is essential for smart financial planning. Use this opportunity to reassess your budget, make informed decisions, and take control of your financial future. - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://www.mybudget.com.au/moneyhub/articles/debt-help/alternatives-to-debt-consolidation/ - Categories: Success Stories Debbie and Alan, like many Australians, felt overwhelmed by personal debt and even got rejected by the bank for another loan to consolidate, but with MyBudget’s help, they discovered a smarter way to regain financial control, without resorting to another debt consolidation loan. What is a debt consolidation loan? A debt consolidation loan is a type of financing that allows you to combine multiple debts (secured or unsecured), such as credit cards, personal loans, car loans, and medical bills, into a single loan with a fixed monthly payment. While this approach can simplify repayments, at MyBudget we believe there are better alternatives to debt consolidation that can reduce financial stress even more. A personal budgeting plan can provide a long-term solution to living your life free from money worries, helping you break free from debt and achieve financial peace of mind. Australia's debt situation: in 2025 why are so many people struggling to get out of debt and seek consolidation loans? Australia’s household debt-to-income ratio currently sits at 188%, meaning the average household owes $1. 88 for every dollar earned (ABS, 2024). That’s a staggering amount when you think about it, nearly twice the income people bring in annually is already accounted for in debt repayments, making consolidation of things like credit card debt an attractive option. This is not just a number on a page; it’s real money, affecting real people. Over the past 20 years, the average mortgage balance has ballooned from $160,000 to $642,121 (Mozo, 2024). That means the average Aussie homebuyer is now taking on over four times more debt than they did in the early 2000s. Understandable to see why consolidating debts together into one payment looks like an attractive option, without considering better alternatives to consolidation. Pair that with rising interest rates, high loan repayment costs, and soaring living expenses, and it’s no wonder many Australians feel like they’re just treading water financially. When so much of your income is already spoken for, the margin for error, unexpected bills, job loss, or even just a hike in rent, becomes razor-thin. This is why so many people start looking into a debt consolidation loan. But before you jump in, it's crucial to weigh up all your options and understand the potential risks, loan terms, and benefits of debt consolidation. Debbie and Alan’s story: how MyBudget helped them break free from debt without needing a consolidation loan Debbie and Alan, like many Australians, found themselves in financial uncertainty. Multiple credit cards, personal loans, and mounting weekly repayments were leaving them financially and emotionally drained. They needed an easy solution to manage and get out of their debt. They thought a debt consolidation loan was the way out, but when the bank shut them down for not meeting the lending criteria, reality hit hard. "We were scared to answer the phone," Alan recalls. "We knew it was just another creditor chasing money we didn’t have. " Desperate, they started looking at Part 9 Debt Agreements, until they realised it could impact their credit score for five years, much like bankruptcy. That’s when they turned to MyBudget, as a way to get out of debt, and everything changed. 4 Alternatives to debt consolidation loans (that aren’t more debt rolled into one) If you’re struggling with high-interest debt, you might think a debt consolidation loan is your only option. But here’s the truth, not everyone qualifies, and in some cases, it might not even be the best solution. The good news? There are other ways to take control of your current debt that could be a better fit for your individual circumstances rather than consolidation which is just rolling all your debts into another loan. Here are four realistic alternatives to debt consolidation loans that could help you pay off your debt faster, regain financial stability, and improve your credit rating: 1. MyBudget’s tailored personal budget and debt management plans One of the best ways to regain control of your finances without needing to consolidate is with a personalised debt management plan, tailored to your income, expenses, and financial goals. At MyBudget, we don’t just give you a budget; we make sure it works for you in real life. Your budget is customised by our Personal Budgeting Specialists to provide a better option than a debt consolidation loan. We structure your income, prioritise essential expenses, and create a clear, step-by-step plan to reduce debt repayments and build savings as a part of a manageable budget rather than consolidation of debt, so you can start to live free from money worries. A big part of this? We handle all creditor negotiations for you with regards to your debts. That means no more stressful phone calls or collection notices. We work directly with credit providers to arrange manageable payment plans and, in some cases, even reduce the amount owed. So, instead of worrying about credit card debt, you can focus on moving forward. Doesn't this sound better than consolidating everything you currently owe? 2. How to negotiate with creditors yourself to reduce your outstanding debts without a consolidation loan If you prefer to handle negotiations on your own as an alternative to a debt consolidation loan, you can contact your credit providers directly to request assistance. Many lenders are open to working with you if you take the initiative. According to AFSA, banks and credit card companies are actually required by law to consider your request if you are experiencing financial hardship and want to avoid the debt consolidation path. They might waive late fees, lower the interest rate, or even freeze payments until you get back on your feet. To make it easier, here are a few simple scripts to get the conversation started: Ask for a lower interest rate “Hi! I’m having difficulty keeping up with my outstanding credit card debt. Is there any chance you could lower my interest rate to help me out? It’d really make a difference in getting my finances back on track. ” Payment plan or hardship help “Hello! I’m currently in a bit of financial stress and struggling to make my debt repayments. Could we set up a more manageable payment plan or discuss any debt relief options you might have? ” Waiving late fees “Hi there! I’ve hit a bit of a rough patch with all these rate hikes and missed a payment. Any chance you could waive the late fee? I’m working hard to get a bit of extra cash to get my finances back in order. ” These little scripts will help you glide through the debt negotiation conversation like a pro. Remember, the aim is to make some little changes now, that could result in big savings over a period of time, and your credit card provider is obligated to try and help so you can reduce what you owe, and avoid having to consolidate your existing debts. 3. Debt settlement Some credit providers may be willing to accept a lump sum payment that’s lower than what you owe. If you have access to funds, savings, or a cash-out refinance, this can be a great way to clear unsecured debts for less. 4. Part 9 Debt Agreement A formal Part 9 Debt Agreement that can stop creditors from chasing you. It can reduce what you owe but comes with long-term consequences like affecting your credit report for five years. Each option has its pros and cons when considering an alternative to a debt consolidation loan. The key is understanding which alternative debt solution is right for you before making financial decisions. Real life example: how MyBudget changed Debbie and Alan’s future The alternative to a debt consolidation loan After reaching out to MyBudget, Debbie and Alan worked with a personal budgeting specialist to create a tailored debt repayment plan as an alternative to a debt consolidation loan. Instead of a one-size-fits-all debt consolidated loan, they were given a straightforward solution that fit their financial circumstances and long-term goals. One of the biggest reliefs? MyBudget took over all creditor negotiations. No more stressful phone calls or letters, Debbie and Alan didn’t have to deal with credit card companies or lenders at all. MyBudget were even able to reduce the total debt owed, giving them a realistic repayment schedule that worked. With a personal budgeting plan, what they owed became lower than it would have been with a debt consolidation loan. With their new budget, rather than a debt consolidation loan, they were able to: cover their essential expenses without falling behind set up automatic monthly repayments to avoid late fees build better financial habits to set them up for long-term financial success start building a savings buffer for financial emergencies. Now, they’re no longer just surviving, they’re thriving with no need to have used a debt consolidation loan for their debts. "For the first time in years, we feel in control of our finances," says Debbie. "We’re not just paying off debt, we’re planning for our financial future. " Thanks to MyBudget, Debbie and Alan have... - Published: 2025-02-17 - Modified: 2026-06-22 - URL: https://www.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-michelle-and-phil-pay-off-40000-in-debt-and-why-theyve-remained-clients-for-over-10-years/ - Categories: Success Stories Good income but constant money stress? Michelle and Phil were living paycheck to paycheck, struggling to manage their finances. Discover how MyBudget helped them pay off a total of $40,000 in debt, renovate their home, take dream holidays, and achieve financial peace of mind with a clear budgeting formula tailored to their goals. Life before MyBudget: Michelle and Phil’s struggle to get out of debt Michelle and Phil knew they had good incomes, but managing their finances felt like an endless struggle. “We had plenty of money but were always robbing Peter to pay Paul. It was a constant juggle. We couldn’t see beyond a fortnight,” Michelle admitted. They needed a personal budget to pay off debts, and create a savings plan. Between multiple credit cards adding up to $12,000, personal loans, a car loan, and a university debt, the total of $40,000 of debt felt insurmountable. “I was constantly worried every time the phone rang that it was another creditor wanting money we couldn't pay,” Michelle shared. While Phil worked long hours, Michelle bore the brunt of the calls... and the stress. “It felt like a never-ending cycle of minimum payments, we were stuck. ” ~ Michelle In 2013, Michelle and Phil turned to MyBudget for help, and over 10 years, it has completely transformed their lives. What happened when MyBudget set up Michelle and Phil with a realistic budget Once Michelle and Phil made the life-changing decision to call MyBudget, from the moment they signed up and had a Personal Budgeting Consultation, they felt immense relief. MyBudget took over the creditor negotiations and had successful outcomes for negotiating with creditors, implemented a budgeting formula and new savings plan tailored to their needs, and gave them a clear budget plan to not only manage their debt but also work toward their long-term goals. Reflecting on their decision, they both agree that the biggest relief has been no longer having to worry about money. Michelle admits that as someone who loves to shop, sticking to a weekly allowance wasn’t easy at first. But she stayed focused on their long-term goals of becoming debt-free, renovating their home and providing their family with a bright financial future. "MyBudget’s process gave us peace of mind. It’s not about whether you can afford something, it’s about knowing there’s a plan, and the money will be there when you need it. " ~ Phil MyBudget made it happen. Within two years, they had paid off their largest credit card and were well on their way to renovating their dream kitchen. What life-changing financial goals can you achieve with MyBudget? Since joining MyBudget, Michelle and Phil have achieved big goals, including: Paying off $12,000 in credit card debt and $40,000 debts in total Renovating their entire home, starting with their dream kitchen in the first year Budgeting for holidays like two cruises and a Europe trip Helping their children with unexpected expenses and gifting a car Saving $30,000 in one year for a new shed. How MyBudget’s personal budgeting formula makes managing money stress-free One of the biggest benefits Michelle values is the financial flexibility MyBudget provides. “The flexibility of MyBudget’s system is incredible. They adjust things quickly when life throws unexpected expenses our way. ” ~ Michelle They also appreciate the peace of mind that comes from knowing their budget is in good shape. “Everything’s put aside, and I don’t have to worry. Their services are absolutely worth every cent because all the stress is taken away. ” The transformation of Michelle and Phil’s credit habits with support from MyBudget Before joining MyBudget, credit cards were a major source of financial strain for Michelle and Phil. Today, they’ve adopted a disciplined approach with just one credit card capped at $3,000. “We’ve learned to keep it manageable. Even if we max it out, it’s easy to pay off, and we never let it become a burden,” Michelle said. How Michelle and Phil taught their kids financial responsibility through budgeting Michelle and Phil’s decision to join MyBudget didn’t just change their lives; it had a ripple effect on their entire family. “Our kids have seen the stability we’ve created, and it’s inspired them to take control of their own finances. They know the value of planning and being financially responsible. ”~ Phil By embracing discipline and sticking to a clear budgeting plan, Michelle and Phil not only transformed their financial situation but also set a powerful example for their children. Today, their family thrives with the lessons of financial stability and responsibility, ensuring a brighter future for generations to come. Why Michelle and Phil believe MyBudget is worth every cent Michelle and Phil are both passionate about sharing the benefits of MyBudget with others because they know how transformative it can be. Michelle says,“Yes, it’s a service, and you have to pay for it, but it’s worth every cent,” she said. “If you’re struggling, there’s no shame in asking for help. MyBudget turned things around for us. ” For Michelle and Phil, financial freedom isn’t just about numbers, it’s about creating opportunities and peace of mind. One of the most rewarding aspects has been helping their children. “Being able to help our kids when they need it most is priceless,” Phil shared. “That’s what financial freedom really means to us. ” With the right support and a tailored plan, Michelle and Phil believe financial freedom is possible for anyone. Ready to achieve financial peace of mind and reach your goals? MyBudget can help you pay off debt, create a budgeting plan for holidays, renovations, or family expenses, and build a savings plan for the future, all while removing the stress of managing money. Enquire online or call us today on 1300 300 922 to take the first step toward financial freedom. - Published: 2025-01-28 - Modified: 2026-01-07 - URL: https://www.mybudget.com.au/moneyhub/articles/money-management/financial-literacy-for-kids/ - Categories: Money Management Learn how MyBudget and Project Gen Z’s Money & Me program empowers Australian kids with essential financial literacy skills to make smarter money decisions and build a confident financial future. MyBudget is thrilled to partner with Project Gen Z to deliver the financial literacy program for Australian kids, Money & Me. This initiative equips children with essential money skills, arming them with the tools to make smart financial decisions. The goal? To set them up for a future of financial confidence. Want in? Keep reading to learn more — and find out how you can grab the workbooks for free! Money and the ‘school of life’ Ever wonder why something as essential as money management isn’t fully covered in schools? While kids might pick up basic lessons on spending and saving, the bulk of financial education happens outside the classroom - in the ‘school of life’. We learn from watching the people around us: how they manage money, where they succeed, and sometimes, where they stumble. For me, that learning started early. Growing up in a household where money was tight, I watched my mum juggle a million responsibilities. By the time she was 24, she had four kids (including a son with disabilities). Budgeting wasn’t high on her list of priorities, yet she managed to be incredibly generous, sharing what little we had with others. Then there was my dad, a self-employed builder. At 13, I stepped up to help with his bookkeeping. It felt like a puzzle I was meant to solve. Managing his cash flow taught me lessons I still carry today: the importance of balancing incoming and outgoing money, and the joy of being in control of finances. More money, more choices If I’m honest, many of my early lessons came from seeing what not to do with money. I vividly remember times when the electricity bill was overdue, and we were on the verge of having the power cut off. Yet those experiences shaped me. While my friends spent their pay on nights out and trendy clothes, I was setting financial goals, like saving for my first home. And guess what? I enjoyed it. Saving became more than just a habit, it was a thrill. Research backs up what I’ve experienced firsthand: kids who learn money skills early benefit in ways that ripple through their lives. They’re more likely to: avoid defaults and maintain higher credit scores build greater net worth during their peak earning years master smart shopping and spending habits manage debt effectively and decrease insurance costs gain confidence in financial decision-making. I truly believe that teaching kids to handle money empowers them to dream bigger. And isn’t that what we all want for our children? To live lives full of purpose, untethered by financial stress or insecurity. Supporting parents in teaching financial literacy I know, teaching kids about money often feels like one more thing on an already overflowing parental to-do list. Especially when, let’s face it, many of us grew up winging it financially. (Raise your hand if you thought credit cards were free money until your first bill arrived! ) A Raiz survey found that 25% of parents received little to no money lessons growing up. No surprise then that so many of us feel a little lost when it comes to passing on good financial habits. This is where MyBudget and Project Gen Z come in. Together, we’ve created a financial literacy program that makes teaching kids about money fun, practical, and dare I say... enjoyable? Introducing Money & Me: a kid’s guide to good money habits Money & Me introduces kids to practical money concepts that set them up for real-world financial success. The program includes two engaging workbooks: Mini Dreamers (ages 5-10) Game Changers (ages 11-17) The workbooks are designed to be used with parents, teachers, or carers. They’re packed with light, fun, and practical activities - perfect for school holidays or rainy afternoons. My daughter Ellie recently completed the Mini Dreamers workbook and loved it! Whether it’s through conversations about chores and pocket money or new teaching moments sparked by the activities, Money & Me helps kids develop real-world money skills and encourages them to set long-term financial goals. Download the Money & Me workbooks for FREE As part of MyBudget’s mission to eliminate financial stress in Australian communities, we’re offering the Money & Me workbooks for FREE. Here’s how to grab your copy: Visit Project Gen Z Shop. Use the code MYBUDGET at checkout. That’s a saving of $19. 99 per workbook! The workbooks make financial education easy, fun, and accessible for the whole family. Don’t miss this opportunity to empower your kids with the skills they’ll use for life. Live your life free from money worries At MyBudget, we’re here to help you achieve your financial goals, whether it’s eliminating debt, building savings, or simply gaining peace of mind. We’ve helped over 130,000 Australians create financial freedom - and we can help you, too. Enquire online or call us on 1300 300 922 today. - Published: 2025-01-24 - Modified: 2026-03-17 - URL: https://www.mybudget.com.au/moneyhub/articles/savings-tips/how-to-save-for-a-house-deposit-in-australia-your-step-by-step-guide/ - Categories: Savings Tips How much deposit do you need to buy a house in Australia? In Australia, most lenders require a 5-20% deposit to buy a home. A 20% deposit avoids lenders mortgage insurance (LMI), while a 5-10% deposit may be possible through schemes like the First Home Guarantee, depending on eligibility and lender requirements. Saving for a house deposit in Australia can feel like an impossible dream, especially with property prices rising like they have been over the past few years. However, with the right budget plan and consistent savings strategy, many buyers reach their goal sooner than they expect. Creating a clear personal budget is often the first step towards building a deposit faster. Whether you’re a first-time buyer or returning to the market, this guide will show you how to save for a house deposit and secure your dream home. - Published: 2025-01-20 - Modified: 2026-07-05 - URL: https://www.mybudget.com.au/moneyhub/articles/budgeting-tips/can-i-survive-as-a-single-parent-on-one-income/ - Categories: Budgeting Tips Yes. Thousands of Australian single parents successfully raise children on one income by creating a realistic budget, planning ahead for irregular expenses, accessing government support and building small savings over time. It isn't always easy, but with the right structure, it's possible to reduce financial stress and regain control. I know because I'm a single mum myself. - Published: 2025-01-19 - Modified: 2026-01-01 - URL: https://www.mybudget.com.au/moneyhub/articles/mortgages-and-home-loans/how-extra-repayments-can-save-you-thousands-and-help-you-own-your-home-sooner/ - Categories: Mortgages and Home Loans Did you know that even small extra repayments on your mortgage can lead to significant savings and help you pay off your home years earlier? By reducing the loan balance faster, you not only save on interest but also free yourself from debt sooner, giving you more financial freedom. MyBudget’s Home Loan Repayment Calculator makes it easy to see how extra repayments can transform your financial future. How extra repayments work When you make extra repayments, the additional amount goes directly toward reducing the principal balance of your loan. This lowers the interest charged over time because interest is calculated on the remaining loan balance. Small extra repayments, big savings Let’s take an example of a $400,000 loan with a 6. 19% interest rate over 30 years: Regular monthly repayment: $2,448 Add an extra $100 per month Interest saved: $58,770 Loan term reduced by 3 years With consistent extra repayments, you could save tens of thousands of dollars and own your home outright much earlier than planned. Just over 5 years ago, we were hovering on going bankrupt. Since MyBudget has been in our life, we have cleared past debts and have now built a new home and MyBudget are now guiding us through the next chapter in our financial life. MyBudget client, 14 April 2024 How to find extra money for repayments If the idea of finding extra money feels daunting, MyBudget can help you adjust your finances and free up cash: Create a personalised budget: Our money experts work with you to identify areas where you can save. Automate your savings: Set up automatic transfers for extra repayments to ensure consistency. Prioritise spending: Focus on needs over wants, like dining out or entertainment, to channel funds toward your mortgage. Use windfalls wisely: Allocate tax refunds, bonuses, or unexpected income toward extra repayments. Other benefits of extra repayments Build equity faster: By reducing your principal faster, you increase the equity in your home, which can be beneficial if you want to refinance or sell. Reduce financial stress: The faster your loan balance decreases, the less debt you carry, leading to greater financial peace of mind. Flexibility in future payments: Many lenders allow you to redraw extra repayments in times of need, providing a financial safety net. What’s your goal? Pay off sooner or save more? Making extra repayments isn’t just about numbers—it’s about aligning with your financial goals: Want to retire debt-free? Extra repayments help you achieve this faster. Planning for future investments? Save money on interest and use those funds elsewhere. Looking for financial freedom? The sooner you’re mortgage-free, the more flexibility you have. How MyBudget can help you maximise savings At MyBudget, we specialise in helping clients achieve their financial goals, including paying off their mortgage faster: Budget customisation: Tailor your budget to accommodate regular extra repayments. Automation: Ensure your extra payments are consistent with automated transfers. Expert guidance: Our money experts provide strategies to save more and reduce debt. Financial tools: Use our home loan repayment calculator to explore how much faster you can own your home. If you’re ready to go beyond calculations, let MyBudget help you create a personalised budget plan to make those savings a reality. Enquire online or call 1300 300 922 to book your free budget consultation today. ## MyBudget TV ## Podcasts - Published: 2025-06-11 - Modified: 2025-06-11 - URL: https://www.mybudget.com.au/moneyhub/podcasts/alyssa-and-petes-debt-free-journey-to-one-income-mymoney-mystory-podcast/ Alyssa and Pete overcame $65K of debt, IVF costs, and the chaos of raising three kids, and now live comfortably on one income. Hear how they did it on the MyBudget, MyMoney MyStory podcast. From IVF and debt to a one-income dream When you add up the costs of starting a family via IVF, juggling multiple jobs to make ends meet, and dealing with financial curveballs, it can feel impossible to get ahead. In this episode of MyMoney MyStory, you'll meet Alyssa and Pete: a Brisbane couple whose financial challenges included over $80,000 in IVF costs, career sacrifices, a cross-country move, and more than $65,000 in debts. But thanks to MyBudget, their story didn’t end there. Alyssa and Pete joined MyBudget in 2017, and if their faces look familiar, it's because this Queensland couple have featured national TV ads. Now, they've come full circle, achieving every goal they set back when we first met. This is our chance to ask, 'Where are they now? ' Listen to the episode or keep reading to see how they turned things around with a personalised budget, a few bold decisions, and a budgeting team they now call their "friends. " Financial struggles of family life, debt and burnout Alyssa and Pete started their relationship on fast forward. Within six weeks of meeting, they bought a home together. Six months later, they were married. But building a family wasn’t easy. After multiple miscarriages, they relocated to Canberra for work and continued pursuing IVF treatment. The journey took a financial toll: they sold their home to fund over $80,000 in IVF costs while trying to start their family. It worked. They now have three gorgeous kids, two born through IVF, and one delightful surprise. But financially, they were starting over, this time with daycare costs, travel demands, and mounting debts. Despite earning good money, Alyssa and Pete were burning out. Alyssa was travelling for work constantly. Pete was working two jobs. They were paying au pairs to care for their kids, but hardly spending time together as a family. "I was so desperate to have these children," Alyssa shared. "And then I never got to see them. " A big electricity bill, no money left, and one life-changing call to MyBudget The real tipping point? An $847 electricity bill Alyssa had completely missed, and she knew there was no more money. “I was sitting at my desk crying over this dumb bill. I wanted someone to come in and mum my finances. ” Alyssa called MyBudget. The woman who answered said, "You've done the hardest thing, you've made the call. " Alyssa let out a sigh of relief, she’d finally felt the relief that this was the help they needed. Pete thought they were too far gone and that they were beyond help. " But just a few minutes into their free budget consultation, he was convinced that this was going to work. Together with MyBudget, they made a decision to tackle their $65,000 debts, regain control of their finances, and set long-term financial goals. Learn how to reach your financial goals in 5 easy steps! How MyBudget helped: from chaos to complete financial control A debt management plan that worked Alyssa and Pete knew exactly what they didn’t want... another loan. They were adamant about avoiding more debt and didn’t want a debt consolidation service. What they got instead was something far better: a personalised budget plan from MyBudget that helped them pay off their debts, regain control, and avoid taking on more repayments. Visibility and peace of mind With the MyBudget app, they could track every bill, budget, and payment. "I don't worry anymore," said Alyssa. "If something comes in while I'm away, it gets handled. " Support and kindness "Everyone we spoke to treated us like people," Pete said. "There's no judgment, there's no shaming. It's just, how can we help? " Financial goals that felt impossible They set three money goals: pay off $65K of debts buy a house live on a single income. One by one, they ticked off all of their financial goals. Even when a house deposit fell short by $3,700, MyBudget helped them over the line by adjusting their budget plan and managing payment due dates, unlocking the exact amount they needed, right when it mattered most. "There is not a financial decision that I will make without calling and talking to them first. " Alyssa, MyBudget client Are you struggling with debt? Download our free eBook 10 steps to get out of debt and start saving. From debt and money worries to living their dream life on their terms By 2021, Alyssa and Pete bought a modest home that allowed them to keep their budget on track, manage living costs, and continue building toward financial stability. In 2024, Pete was able to resign from his job, and they officially transitioned to living on one income, fulfilling the final goal they set when they first joined MyBudget. "We thought these goals were ridiculous," Pete said. "We just wanted to pay off our debt. We never thought we'd actually get here. " If you're struggling to make ends meet, MyBudget can help! If you're facing financial stress or trying to figure out how to make life work on a single income, Alyssa and Pete’s journey proves it’s possible to find balance. When chatting with Tammy about their journey, Alyssa and Pete shared why they tell everyone about their experience with MyBudget: “We were ready to tell anybody who was silly enough to stand still next to us... we just honestly felt like we got so much out of it. We want everybody else to know how good it was. ” Let MyBudget help you reach your financial goals reduce debts without another loan plan savings goals and take control of your finances live life your way on a single income start with a free, no-obligation chat. Enquire online or call 1300 300 922 now to get started. - Published: 2025-05-28 - Modified: 2025-05-28 - URL: https://www.mybudget.com.au/moneyhub/podcasts/kylie-and-scott-mybudget-mymoney-mystory-podcast/ Through heartbreak, hospital stays and financial collapse, Kylie and Scott found the one thing that got them through it all, and still does 18 years later... MyBudget. For Kylie and Scott, it wasn’t just one financial crisis, it was a series of devastating, emotional and financial challenges that would bring even the strongest to their knees. From Kylie’s multiple hospitalisations and the unfathomable loss of nine pregnancies... to their newborn daughter Abby’s life-threatening condition and months in hospital, they were completely overwhelmed. With no income and no idea how they’d pay the next bill, they sent MyBudget an email saying: "Don’t contact us. Our baby might not make it. We have no money. " But the MyBudget money experts didn't walk away, they stepped in. They contacted their creditors, landlords, and sorted everything so Kylie and Scott could forget the money stress and focus on what mattered: their daughter’s survival. In this inspiring episode of the MyMoney MyStory podcast, Tammy Barton chats with longtime clients Kylie and Scott about their budgeting journey.  Their powerful story is one of real hardship, resilience, and the transformation that can happen with the right support system in place. Juggling more than just money worries Like many Australians, Scott was working multiple jobs and long hours, but still struggling to stay afloat. Despite doing everything "right," the money never seemed to stretch far enough. At the same time, Kylie and Scott had very different upbringings and financial habits. While Scott was cautious with money, Kylie admits she saw it as something to spend. That difference added extra tension to their financial struggles. Their situation became even more difficult when Kylie faced multiple hospital admissions, followed by the birth of their critically ill daughter Abby, who required major heart surgery. With Kylie unable to work and Scott taking on multiple jobs and working double shifts, they were emotionally and financially exhausted. "I would wake up at three o'clock in the morning thinking, how the hell am I going to pay this? " Scott The turning point: asking for financial help Everything changed when Scott suggested they try MyBudget. Kylie was hesitant at first. "I thought, 'We’re doing okay, we don’t need help. ' But deep down, I knew I needed to change the way I thought about money," she says. From the very first personal budgeting appointment, they felt supported. "We had savings! It didn’t make sense to me at the time, but somehow it worked," Scott laughs. For Kylie, it was the start of a complete mindset shift. "Our personal budgeting specialist even helped me quit smoking because I realised we simply couldn’t afford it anymore. " How MyBudget helped Kylie and Scott get ahead financially A personalised budget that works in real life MyBudget created a personalised, flexible budget that accounted for everything - from money for bills, essentials, and even those tricky extras like birthday parties, Christmas and school photos. Kylie, now a MyBudget team member herself, shares this advice with her clients: “Don’t just call it ‘savings. ’ Give your goals a name. When you label your goal, whether it’s a holiday or your child’s birthday, it becomes real. And that’s when it is more likely to happen. ” Kylie Managing money (and life’s) curveballs When their newborn daughter Abby was flown to Melbourne for urgent heart surgery, MyBudget stepped in. "We emailed them saying, 'Don’t contact us, our baby might not make it, and we have no money,'" Kylie recalls. "But instead of walking away, they supported us. They contacted landlords, creditors, and sorted our bills. We could focus on our daughter. " Even during their most stressful times, they didn’t have to worry about overdue payments or creditor calls. MyBudget worked with their real-life circumstances to keep them on track. Finding financial peace of mind One of the biggest differences Kylie and Scott felt after joining MyBudget was finally being able to relax, knowing everything was under control. "I don't even look at our budget anymore," Scott admits. "Kylie runs it, and I just go to work. But I know everything’s paid, and I can sleep at night. " That sense of calm is something they never had before. “Being with MyBudget didn’t just help our finances, it changed how we see the world. ” Kylie The transformation: savings, confidence, and a future to look forward to Fast-forward to today and life looks very different. They reached their savings goal to buy a house. They’ve taken holidays. They’re even thinking about planning for retirement. Kylie, now a MyBudget team member herself, felt so deeply impacted by the support she received that she wanted to pay it forward. She says MyBudget didn’t just help her financially, it helped her grow as a person.   Today, she’s passionate about helping others experience the same transformation from financial chaos to confidence and control. A MyBudget success story: Kylie & Scott rebuilt their life Fast forward 18 years, and life looks completely different. Being with MyBudget didn’t just help Kylie and Scott manage their money, it helped them survive some of the toughest moments of their lives and rebuild a future filled with hope. Some of their achievements include: buying their first home taking holidays budgeting for private school fees planning for retirement. Want to hear Kylie and Scott's full story? Listen to Kylie and Scott's inspiring journey on the MyMoney MyStory podcast, available on your favourite streaming platform now. How can MyBudget help you? If you’re living pay to pay, stressed about debt, or just tired of juggling it all, Kylie and Scott’s story proves it’s possible to turn things around. For over 25 years, MyBudget has helped more than 130,000 Australians take control of their finances and build a brighter future. Here’s how we can help: tailored budgets that actually work pay off debt without the stress build savings for what matters we deal with your bills and creditors. Enquire online now or call us on 1300 300 922 - no obligation, just support. - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://www.mybudget.com.au/moneyhub/podcasts/michelle-and-phil-mymoney-mystory-podcast/ They faced constant money stress, $40K in debt, and a marriage on the line, until one phone call changed everything. Discover how Michelle and Phil paid off their debt, saved their marriage, and found peace of mind on the MyBudget, MyMoney MyStory podcast. Living in financial chaos: escaping the debt spiral and regaining financial control Australian couple Michelle and Phil, know what it’s like to live with constant money stress. Despite having good incomes, they found themselves stuck in a cycle of juggling bills, paying late fees, and feeling the pressure of mounting debt. In this episode of the MyMoney MyStory Podcast, hosted by MyBudget founder Tammy Barton, they share how MyBudget's expert money coaches helped them break free from the debt cycle, build an emergency fund, achieve their financial goals, and transform their future finances with a realistic personal budget plan. Drowning in debt, late fees, and money worries Before joining MyBudget, Michelle and Phil faced the all-too-common financial challenge of managing full-time work and family responsibilities while juggling everyday expenses and mounting debt. “We both had good incomes, but because of the way we spent money, and because of the way we budgeted money, it was never enough. ” Phil Phil admitted he was hesitant to ask for help, he preferred to keep money matters private and believed they could fix things on their own. But over time, the late fees, the arguments, and the fear of declined transactions and creditor calls chipped away at their financial and emotional well-being. Michelle reached a breaking point. The pressure on their relationship was mounting, and the arguments were starting to affect their family. What made Michelle and Phil finally join MyBudget? In their conversation with Tammy, Michelle explained how Phil would try to make a withdrawal, but it would be declined. This would lead to arguments and Michelle gave Phil an ultimatum: They needed professional help. "You have three choices. You can do this, we can go to MyBudget, or we can get a divorce. " Michelle Phil tells Tammy after the first appointment “I was blown away. I thought, How do you do that? How do you forecast so far in advance? How did MyBudget help Michelle and Phil achieve financial peace of mind? Building a personalised budget plan Michelle and Phil shared with Tammy how MyBudget helped them create a realistic, tailored budgeting plan that covered all their living costs, family bills, and financial goals. Every bill, from groceries to school activities to haircuts, was built into their structured budget planning. Paying off $40,000 of debt With a tailored money management approach, MyBudget helped Michelle and Phil get out of debt. Michelle remembers trying to negotiate with creditors herself, but the phone calls filled her with fear. “I’d get a call from GE asking for payment and think, ‘I’ve got absolutely no clue... because we don’t have it. ’” Are you struggling with debt? At MyBudget, debt is what we do! Get in touch now for a free 10-minute chat. Saving for goals and handling unexpected expenses Thanks to MyBudget, Michelle and Phil also were able to access emergency funds to cover unexpected bills without stress. They told Tammy about the time their son had a car accident and how they were able to free up $800 within minutes to pay the insurance excess without derailing their budget. "It was a revelation that we could have an emergency and after one phone call, we could have a solution in place. That's amazing! It hasn't always been that easy. " Michelle Achieving their dream renovations and holidays With their debts paid off, and a healthy budget in place, Michelle and Phil went on to renovate their home (including their dream kitchen), put in solar panels, a new shed and take dream holidays. A new relationship with money Today, Michelle and Phil live free from the constant financial stress that once overshadowed their relationship and everyday life. With greater financial stability, they’ve been able to support their children, help family when needed, and plan for the future, without fear of falling back into debt. “You keep saying thank you to us,” Phil says. “We need to say thank you to you. ” “It’s saved our relationship and money,” adds Michelle. Your first step toward financial freedom Michelle and Phil's story proves that it's never too late to turn your finances around. Their heartfelt conversation with Tammy Barton is a reminder that with the right support and a personal budget plan designed to fit your life, financial freedom is within reach. If you're ready to break free from the debt cycle, achieve your financial goals, and experience true peace of mind, MyBudget is here to help. Take the first step toward a brighter financial future Enquire online or call 1300 300 922 to speak to one of our expert money coaches today. - Published: 2025-04-30 - Modified: 2025-04-30 - URL: https://www.mybudget.com.au/moneyhub/podcasts/erin-and-adam-mymoney-mystory-podcast/ With the help of MyBudget, Erin and Adam turned financial uncertainty into financial stability, paving the way for homeownership, a growing family, and even a money saving plan for future goals. In this episode of MyMoney MyStory, they share how budgeting changed their lives, and how it can help you too. How COVID-19 cost Erin and Adam their incomes and created money stress Before joining MyBudget, Erin and Adam were both building successful careers in the travel industry. Then the coronavirus pandemic hit. With international travel grinding to a halt, Erin’s hours were cut and Adam was placed on JobKeeper. They were facing the financial stress of losing their jobs. Like many Australians during COVID-19, their financial situation changed overnight. They had already put down a deposit on an off-the-plan apartment in Adelaide, but now faced the terrifying possibility of losing their mortgage pre-approval and dipping into their savings. They had a spreadsheet, a shared goal, and a lot of money stress. “We didn’t want to give up on our goal of owning our first apartment,” Erin said. “But everything changed so quickly. We had to rethink how we could still make it work. ” Discovering the benefits of MyBudget’s personalised budgeting services in Australia As Erin searched for new career opportunities, Adam suggested she consider MyBudget. She applied, got the job, and during training quickly realised just how powerful the budgeting service was, not just for clients, but for themselves. “I thought my spreadsheet was good,” Erin laughed. “Then I saw Tammy’s and realised we needed this. We needed the visibility and structure to keep our goals on track. ” Erin convinced Adam to give MyBudget a go. The moment they saw their 12-month financial projection in the MyBudget system, they were sold. No more guessing, no more stress, just a personalised budget plan that made sense. “It was the forward projection that got me,” Adam said. “Knowing what our financial position would look like in one month, three months, even a year, it gave us confidence when things felt uncertain. ” Adam came to see the real value in joining MyBudget, and clearly understood there were no lock in contracts and the fees are tailored to suit their needs. Thinking about how personalised budgeting could help you too?  Learn more about MyBudget's Personal Budgeting Services. How MyBudget’s tools and money management support helped Erin and Adam save money fast Free budgeting tools and resources for saving money in Australia Erin and Adam used to live week to week. With MyBudget, they were finally able to zoom out to see the bigger financial picture and make long-term money decisions. From Christmas expenses to coffee runs, every dollar had a job. Their smart budget planning allowed them to better prepare for unexpected bills and expenses. They also took advantage of MyBudget’s free resources, including our free 2-week healthy meal planner guide, which helped them cut grocery costs and save money faster. Check out our full guide on Meal planning to save money. Expert money coaches and financial accountability With MyBudget paying their bills and keeping their plan on track, Erin and Adam found peace of mind and time back. “It’s wild to think we haven’t paid a bill in three years,” Erin said. “That alone is worth it. ” Budgeting for babies in Australia: planning for family and future savings goals As they prepared to start a family, Erin and Adam leaned into MyBudget’s tools to plan for IVF costs. While they didn’t end up needing treatment (a happy surprise! ), the financial groundwork was done, and deeply appreciated. Then came the real surprise: twins. “Everything changed,” Erin said. “But we knew we were ready, financially. We could plan my maternity leave, sort daycare, and even take the kids to Fiji before I went back to work. ” A financial transformation: from money stress, to having twins and saving for a home With MyBudget’s expert money coaches supporting their journey, Erin and Adam bought their apartment, upgraded to a four-bedroom home and kept their first property as an investment. Their approach to money management had completely transformed. They now have twins, a healthy budget, and the confidence to keep growing. Their financial goals, like building a dream home in Brisbane, feel achievable, not out of reach. MyBudget can make what seems impossible, possible. Their next chapter? A move to Sydney to spend time with Erin’s family before building in Brisbane. MyBudget has helped them crunch the numbers and make it happen without compromising their long-term goals. Start your financial reset with MyBudget today If you’re drowning in credit card debt, in mortgage stress or just can't seem to save money. Erin and Adam’s story is proof that you can take control, no matter how messy things feel. With the right tools, support and expert guidance, your goals aren’t just possible, they’re achievable. Try our free Savings Calculator to see how quickly you could reach your goals. “MyBudget helped us align as a couple,” Erin said. “It gave us independence, clarity, and a shared path forward. ” Do you want to start saving money today? MyBudget has helped over 130,000 Australians live life free from money worries. Our money management services include paying bills on time, creating a personalised debt management plan, and building a money saving plan that supports your future goals. Whether you’re buying a home, starting a family or just want more peace of mind, we’ll help you get there. Book your free appointment today or call us on 1300 300 922 to learn more about how MyBudget works. For more money saving tips, be sure to read our Ultimate guide on how to save money in Australia. - Published: 2025-04-16 - Modified: 2025-04-16 - URL: https://www.mybudget.com.au/moneyhub/podcasts/mr-ordinarys-debt-landed-him-in-jail/ Many Australians live what appears to be an “ordinary” life, a mortgage, a car, a credit card or three, a kid or two. But when financial pressure builds quietly over time, it can push people into desperate decisions. That’s exactly what happened to Wil Patterson, aka Mr Ordinary. One day he was a dad in the suburbs, juggling bills and renovations. The next, he was sitting in a courtroom admitting to the crimes that took him to jail. But Wil’s story doesn’t end in jail. In fact, that’s where it really began, and where his path to MyBudget started. Struggling with debt in Australia: “Mr Ordinary’s” life before everything changed Before everything fell apart, Wil’s life was recognisable, painfully so. He lived in Australia's outer eastern suburbs of Melbourne with his wife and young son. They both worked full-time, had a home with a mortgage, credit cards, and even a holiday shack down the coast. But like many Australians, they were juggling more than just responsibilities, they were facing unmanageable debt. Bills were juggled. Minimum credit card repayments were made. Insurance was put off “just for a couple of weeks. ” The debt cycle was exhausting and familiar. “We weren’t keeping up with the Joneses, we were the Joneses,” Wil admitted. “I didn’t know how to stop it. The debt. The pressure. The pretending. ” Then one day, a refund cheque landed on his desk at work. His name was on it. The right thing would’ve been to cancel and shred it. Instead, Wil put it in his drawer. That decision marked the beginning of a downward spiral that would eventually lead to jail. The moment everything changed: when shame, debt and desperation collided Over the next 18 months, Wil embezzled nearly $300,000 through a series of fraudulent transactions, a white-collar crime fuelled by a mix of financial desperation and emotional paralysis. “It started because I needed it. Then it became greed,” he shared. “And when no one caught me, it just became normal. ” By the time Wil was finally confronted, he felt relief. “Whatever you’re about to ask me,” he told his boss, “I did it. ” The shame was crushing. He lost his job, his marriage, and moved back in with his father. Then came sentencing, and jail time. Jail, reflection and the power of starting over Wil had paid a heavy price, but jail gave him something he hadn’t expected: time to think. Time to reset. When he was released, he was determined to do things differently, starting with his money. He came out of jail with a new mindset, but not much else. “I forgot everything I’d learned,” he admitted. He bought a motorbike, got a car loan, and within months, the stress was back. “I was right back in that financial panic. ” That’s when he went to the Westpac Bank for help, and when they couldn't help him, they referred him to MyBudget. How MyBudget helped Wil rebuild his finances A new mindset (and a budget plan) Wil knew he wasn’t good with money. He’d tried budgeting, failed, tried again, and failed harder. Once the woman at Westpac pointed him to MyBudget, Wil saw hope. “Honestly, it changed everything,” he said. “They didn’t judge. They just helped. ” At Wil’s first appointment, the MyBudget consultant helped him create a realistic, personalised budget plan tailored to his unique situation. They factored in everything that mattered to him — including his cherished annual Formula 1 tickets with his son. “I said take it out. He said no. He was right. That moment meant everything to me. ” With access to MyBudget’s budgeting and tracking tools, including the MyBudget app and forward projections, Wil could see exactly where his money was going. It was the first time in years he felt in control of his finances and could visualise a future with savings. MyBudget’s ongoing support and peace of mind With MyBudget handling his payments, allocating his income, and providing ongoing support, Wil found something he hadn’t had in years: peace of mind. “I don’t have to think about it,” he said. “I get paid, MyBudget does the rest. It’s freedom. ” He also began saving. He learned to face difficult conversations, like calling his lender to return a car he couldn’t afford. And with MyBudget's guidance, he took those steps confidently. Life after debt: Wil’s version of rich These days, still with MyBudget, Wil lives with his wife, his in-laws and his son in a home that works for everyone. He works in the funeral industry, a job he feels called to, one that allows him to be of service to others. The stability in his finances has had a positive impact on his mental health and lifestyle. He’s now living debt-free in Australia, with a clearer understanding of his spending habits and savings goals. Through MyBudget, Wil has been able to build emergency savings and shift from a survival mindset to planning ahead. And when it comes to his finances? “I’m rich,” Wil says. “Not in a billionaire way. But in a ‘let’s go have brunch and not stress about it’ kind of way. That’s the rich I want to be. ” Don’t let shame win: Wil’s message to others in debt If you’re struggling with debt in Australia, Wil’s story is proof that you’re not alone, and it’s never too late to ask for help. “The shame of what you think people will do is way worse than what they actually do,” he said. “Talk to someone. Ask for help. It could change everything. ” Whether you’ve hit rock bottom or just feel like your finances are out of control, MyBudget is here to help, no judgement, just support. Take the first step towards financial freedom For more than 25 years, MyBudget has helped over 130,000 Australians get out of debt, build savings, and live life free from money worries. Let us help you: Pay off debt without sacrificing your lifestyle Create a budget plan that works Build emergency savings and set long-term goals Stop living week to week and start living free from money stress There’s no cost to get started, and no obligation to join. Book your free consultation or call MyBudget today on 1300 300 922 and discover how we can help you turn your financial stress into confidence. Whether you're facing debt, trying to save, or simply want a better way to manage your money, MyBudget will guide you every step of the way. ## Money Tools