Get Help Paying Off Credit Card Debt

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.

MyBudget offers a range of debt solutions, including debt negotiation, payment plans, budgeting help for reducing credit card debt, support with debt consolidation, Part IX Debt Agreements, Part X Debt Agreements and Bankruptcy if necessary. Our Money Coaches help you understand your options, communicate with creditors, reduce fees where possible and build a clear financial plan to get you back on track.

When you join MyBudget, we ask your creditors to contact us on your behalf. Because of this, many clients experience fewer debt collector calls. We work with you to create a realistic repayment plan, organise overdue bills and show creditors your debts are being actively managed. While some contact may still occur, having MyBudget involved often provides reassurance and helps reduce stress and regain control.

If your expenses are currently higher than your income, MyBudget can help you stabilise your finances and reduce pressure. We review your entire situation, help you prioritise essential expenses, and explore debt management or debt relief options where needed. With a structured personal budget and expert guidance, we can help you regain control and work toward your financial goals one step at a time.

MyBudget combines expert financial coaching with smart technology to give you a personalised money management system that makes budgeting easier. Unlike traditional budget apps or budget spreadsheets that you manage on your own, we help you organise bills, reduce debt, plan for future expenses, build savings and stay accountable. We can even negotiate with your creditors for you. With more than 25 years of experience, our team guides and supports you every step of the way so you can finally feel in control of your finances.

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.