Personal Budgeting

Personal budgeting is one of the only ways to truly gain control of your money and financial future.

No matter what your financial goals are, being able to budget effectively is key to achieving them.

Mortgage repayments, rent, credit cards, groceries, petrol, car payments, medical bills, utilities, school fees… the list of life's expenses is endless! Some people find themselves constantly juggling multiple bills and can get caught in a cycle of struggling to make ends meet.

The good news is that MyBudget can help. We can look at your financial situation in detail and create a long range personal budgeting plan that makes it easier to stay on top of things. What's more, we can do the leg work and manage the plan for you. The budget plan is live and changes with you as your needs change. This allows you the flexibility to manage whatever life throws your way!

Since 1999, we've helped over 108,000 Australians to save money and take control of their finances. Find out how we could help you!

Please call us on 1300 300 922


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1Call 1300 300 922 or Enquire Online



One of our friendly consultants will talk with you, confidentially, about your situation, answer your questions and book a free budget consultation for you at one of our 11 nationwide or over the phone.

Book your free consultation
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2Meet your Money Expert


During the consultation, you'll meet one of our highly-trained, personal budgeting specialists. They have a tertiary qualification in finance, such as a Certificate IV or Diploma of Finance and Mortgage Broking. They are also professionally trained in budgeting and debt management.


More importantly, they genuinely care.

They'll gather detailed information about your finances and create a customised budget plan to start achieving your goals.

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3Receive a customised budget plan - just for you



By the end of the consultation, you'll have deep insight into your financial situation, as well as a tailored budget that shows you how to achieve your goals.


There's no obligation to become a client. Your customised budget plan is yours to keep.

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What are the benefits for a MyBudget client?



  • Total visibility of your finances at your fingertips 24/7 via our client website
  • A dynamic plan that works to pay your bills and loan repayments & pay off your debt
  • We do the legwork so you don't have to worry - your payments and obligations to creditors are prioritised, scheduled and paid on your behalf, using your income.
  • Support and guidance from our caring experts.
  • Much, much more.
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Don’t struggle on your own.

There are a number of reasons to seek help with their budgets:

  • You’re living pay-to-pay
  • You're time poor or too busy to stay on top of your bills
  • You’re overwhelmed by the number of bills you receive
  • You’re constantly juggling multiple bills and trying to prioritise them
  • You’ve had services disconnected because bills didn’t get paid
  • You receive regular reminder and overdue notices
  • You find it hard to put money aside for future bills or for savings

You’re not alone. Thousands of people come to MyBudget every year seeking help with their budgets and bills. With MyBudget’s help, you can get on top of your bills and start saving.

Personal budgeting is the only way to truly gain control of your money and your financial future.

The benefits of personal budgeting:

  • Personal budgeting is the only way to gain a thorough understanding of your financial situation.
  • Personal budgeting ensures that you always live within your means, and provides a safety net for inevitable changes in life or when things go wrong.
  • Personal budgeting is the key to accumulating savings and achieving your financial goals.
  • Personal budgeting is one of the most effective methods for paying down debts and avoiding ongoing debt in the future.

We can provide structure, support and guidance to help you get on track.

Get expert help from people who care.

MyBudget strives to find a solution for each individual or household. Unlike an Budgeting App or spreadsheet program, our experts create a plan that’s specially designed to address your needs and priorities.

We also understand that the hardest part about budgeting is sticking to it. That’s why we do the legwork for you. We can manage your budget, pay your bills, save for you, and communicate with your creditors, if necessary.

Succeeding is easier when you have a team of experts supporting you along the way!

It all starts with the free consultation where we assess your financial situation in detail. As well as analysing your income and expenses, we closely examine your bills, debts (if you have them) and financial goals. It’s likely that you’ll gain a better understanding of your financial situation than you’ve had before.

Even if you decide not to proceed with MyBudget, your customised budget plan is yours to keep for free. Find out more on our How Does it Work page or give us a call on 1300 300 922.

See how we have helped others

We've helped these clients get on track and pay their bills on time

Giles & Kathryn, MyBudget clients

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"We weren’t in debt but we were still living week-to-week so it was a bit of a stressful time...We’d been to financial planners and they hadn’t really given us the structure that we actually needed...We’ve saved thousands since joining MyBudget so it’s been really quite exciting."

Giles & Kathryn, MyBudget clients

Michael & Rachel, MyBudget clients

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"My pay had increased substantially over the last few years, but we were still wondering where the money was going...Life’s good now because if a bill does come in I know that MyBudget will… pay it and I don’t have to stress about it at all.”

Michael & Rachel, MyBudget clients

Cailtin & Marco, MyBudget clients

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"One week we’d have lots of money for the bills and one week we wouldn’t. When we talk about our future together now we’re a lot happier and a lot more relaxed and excited about what we’re going to be able do rather than constantly worrying about what we can’t do."

Cailtin & Marco, MyBudget clients