Getting out of debt


There’s no financial situation too challenging for us. We’re ready to help you ease your money troubles.

You’re deep in debt


With all your debts, living life has become stressful and frustrating.

At night, you stare at the roof in bed, unable to sleep. You stress when buying simple things at the supermarket. And when you catch up with friends and family, fights break out over money.

You’re way behind in loan repayments. Your creditors and debt collectors call all the time, keen to get back the money you owe them.

You want to pay them but you can't. You have no savings because you’re spending everything you earn.

To keep yourself above water, you’re taking out more loans. You use multiple credit cards, sometimes using one credit card to pay another.

It’s like trying to swim in quicksand. The harder you try to get out of debt, the deeper you sink.

But with our help you can:

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Maximise your income
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Pay off your debts faster
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Have money in your pocket

Don’t worry. You’re not the only one in debt.


If you feel embarrassed or just plain bad about being in debt, don’t.

Many people across Australia are in the same exact financial position as you. Right now, Australians owe:

$33 Billion

in combined credit card debt.

These credit card balances are accruing interest, putting Aussies into even more debt.^

^(ABS 2018).

$1.84 Trillion

in household debt.

More than half of Australian household debts are made up of mortgage loans.*

*(ABS 2018).


The truth is, there’s no need to feel ashamed or alone. Debt accumulates over time. And it can creep up on you without any warning.

There are countless reasons why you may have a tonne of debts.

You may have lost your job. You may have experienced a devastating relationship breakup that left you with little in your pocket. You may have got sick and unable to earn.

Or you might have had a child but suddenly found costs were way higher than you anticipated.

It’s easy to lose control of your money if you don’t have the right financial training.

If life’s overwhelming right now, try to relax. There is a way out.

Breaking the debt cycle begins with budgeting


It takes time and commitment, but getting out of debt is possible. The debt cycle can be broken.

The first step is to create a detailed, long-range personal budget. This is something we can help you with.

The budget can give you a thorough understanding of your financial situation. We can help you reveal:


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What you’re spending your money on.
You’ll see where your money is going and be able to get your finances back under control.
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How you can spend your money better.
Separate what you need to buy from what you want to buy so you can put your focus on the right things.
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How you can best pay off your debts.
With the transparency you get from a budget, you can financially strategise to create a debt free future.

After we’ve helped you create a workable budget we’ll help you stick to it. And we can manage your budget plan for you.

We’ll do the legwork while you relax. We will --

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Communicate with creditors and debt collectors on your behalf so you don’t need to.
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Pay your bills and make loan payments for you so you can stress less.
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Prioritise money for your living expenses so you don’t need to worry about losing control again.
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Organise your savings so money is in order and you always have financial resources.
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Provide reporting that tracks every cent you earn so you know how much to spend and when.
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Provide 12-month progress forecasts so you can keep an eye on how much closer to being debt free you are.

If you want to change your life right now, we’re ready to help.


With our free consultation, we’ll review your finances and help you design a budgeting plan. This will cost you nothing and there’s no obligation to sign up for our services.

Book a free consultation now

There are other ways to get out of debt


If we’ve helped you create a budget but you’re looking for more ways to get out of debt, we’re here to assist.

We can help you achieve financial fitness and lighten the burden of your debts by:

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Arranging a freeze or payment break
You’ll get a short breather from your payments and a chance to get your finances back on track. You’ll see where your money is going and be able to get your finances back under control.
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Negotiating payment shifts
You’ll have more time to make repayments as due dates can be moved to the end of a loan period. Separate what you need to buy from what you want to buy so you can put your focus on the right things.
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Consolidate your debts
You’ll have a single expense stream so you won’t have to think about so many debts and all their different interest rates. With the transparency you get from a budget, you can financially strategise to create a debt free future.


Each year we help thousands of people negotiate more suitable terms with the people they’ve borrowed from.

We want to help you and your creditors develop a solution and situation where everyone benefits.

Ready to change your life now?


We’re ready to help you get out of debt.

Book a free consultation now

Some debt solutions can improve your cash flow, but only for the short-term. Some of these solutions include taking out more payday loans or borrowing cash from family and friends.

In the end, trying to pay off your debts like this will only lead to increased stress. They don’t fix the root cause of your debt difficulties and they put you deeper in debt. They’re just quick fixes.

Just remember, getting out of debt can take time. If you keep working at it and stick to a long-term vision, you may get there sooner than you think!

If you have bad credit, you could declare bankruptcy or apply for insolvency.

But keep in mind, these methods involve detailed legal processes and have long-term consequences. A successful application for insolvency could affect your ability to access credit for five years or more.

If you have bad credit contact us to discuss options. There are many ways to get out of debt and we could bring up other methods you haven’t thought of. We’re here to help.

We’ve helped countless Australians get out of debt

We can do the same for you.

We’ve already helped over 75,000 Australians get out of debt. Without the burden of debt, their futures are brighter and they’re now living less stressful lives.

Here’s what some of them have to say.

Paul & Gemma, MyBudget clients

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"We spent everything we earned and it just meant that when those unforeseen bills came in we were stuck and it meant credit cards, and it meant consolidating credit card on numerous occasions...MyBudget’s helping us achieve stability - something we’ve been trying to get for a long time and we’ve never been able to do it on our own."

Paul & Gemma, MyBudget clients

Dan, MyBudget client

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"Before MyBudget, the debt was really bad. It had gotten to a point where I’d spent too much money on travelling and going out and having a great life and living a lifestyle that really I couldn’t live up to...I’ve been able to pay off about $25,000 over the last 24 months. It’s been fantastic and that’s something I could never have achieved on my own."

Dan, MyBudget client

Sarah, MyBudget client

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“So [after joining MyBudget] both of my credit cards are completely gone. My loan is completely gone, paid off two and a half years earlier than what it was scheduled to by being able to afford to make extra repayments and cutting down the interest... sometimes I wish I had called them [MyBudget] three years earlier than what I did. I would definitely recommend their services, it has done wonders for me.”

Sarah, MyBudget client

Want to get out of debt now?


There’s no financial situation too challenging for us. We’re ready to help you ease your money troubles.

We’ve already helped countless Aussies get out of debt, on terms that are comfortable for them.

If you want to know more about how we can help you, feel free to give us a call on 1300 300 922. You can also book a free consultation by clicking the button below.

Book a free consultation now