Debt Consolidate, Debt Consolidation, Bad Debt Consolidation, Debts to Consolidate, MyBudget

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Testimonials:

        Kelly And Mark  

Kelly And Mark's MyBudget Experience:

"Customer Service staff always offer a solution to any problem that may arise and are able to help you juggle any bills that are not in your budget allocation," says Mark.

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        Jade  

Jade's MyBudget Experience:

"...I know that my opinions are not only heard, but listened to. It is a real team effort. I am not just a number – they really care," says Jade.

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        Yvonne  

Yvonne's MyBudget Experience:

"MyBudget saved my life. Without them I wouldn't be here today. No more do I get anxious when the phone rings...." says Yvonne.

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        Sean And Lynda  

Sean And Lynda's MyBudget Experience:

Sean and Lynda are both police officers who ran into financial trouble after moving from cheap accommodation in the country to a mortgage in the city. Although they both earn good money,…

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        Jem  

Jem's MyBudget Experience:

Jem is a 23 year old who left home at a young age. He feels that he missed out on learning basic financial skills through this process. He works as a part…

Read Transcript

Testimonials:

        Kelly And Mark  

Kelly And Mark's MyBudget Experience:

"Customer Service staff always offer a solution to any problem that may arise and are able to help you juggle any bills that are not in your budget allocation," says Mark.

Read Transcript
        Jade  

Jade's MyBudget Experience:

"...I know that my opinions are not only heard, but listened to. It is a real team effort. I am not just a number – they really care," says Jade.

Read Transcript
        Yvonne  

Yvonne's MyBudget Experience:

"MyBudget saved my life. Without them I wouldn't be here today. No more do I get anxious when the phone rings...." says Yvonne.

Read Transcript
        Sean And Lynda  

Sean And Lynda's MyBudget Experience:

Sean and Lynda are both police officers who ran into financial trouble after moving from cheap accommodation in the country to a mortgage in the city. Although they both earn good money,…

Read Transcript
        Jem  

Jem's MyBudget Experience:

Jem is a 23 year old who left home at a young age. He feels that he missed out on learning basic financial skills through this process. He works as a part…

Read Transcript

At MyBudget, we know how easy it is to get into debt and how hard it is to get out of it.

Thousands of Australians approach us every year seeking our help to reduce their debt and take back control of their finances.

 

Why not take a few minutes to see what we can do for you?

Ways to reduce your debt. Consolidate or not?

Many of the people who see us are confused by the large number of different debt relief products available in the market place. Terms like bad debt consolidation, debt agreements, debt negotiation, refinancing, bankruptcy and credit file defaults can be bamboozling to people who are already under enormous pressure. The confusion is further fuelled by bold and often misleading advertising slogans like "halve your debt - consolidate and save!"

What's the right option? What are the pros and cons? Who can help? MyBudget is here to help you gain an insight into your true financial situation and to explain all of the options available to you. Bad debt consolidation may be the right option for you, but it's important to realise that it's not your only debt relief option.

The two main methods to debt consolidate include: 1) bad debt consolidation loans and 2) formal debt agreements. This website explains the difference between those two strategies.

MyBudget offers independent recommendations about getting on top of debt. To consolidate is just one of the many possible strategies available to you. MyBudget's assistance is not only independent, it's free. Make sure you see us before making a decision which will impact your financial health for many years to come.

Leah and Kerim - Real MyBudget Clients

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Debt consolidate companies only sell debt consolidation products. MyBudget considers all of your options.

MyBudget was started in 1999 to help people who were in financial trouble put their lives back together. We've since helped more than 20,000 everyday Australians reduce their debt and get on top of their finances.

Why is MyBudget so successful at helping people get out of debt? Because we truly care about making a difference in people's lives.

We offer a free consultation service to members of the public. We start by assessing your financial situation in detail. As well as analysing your income and expenses, we closely examine your debt situation and prepare a customised personal budgeting plan which is based on your specific circumstances.

A personal budgeting plan is the only way to gain an insight into your true financial situation. It is the only method that will properly reveal all of the options available to you, as well as their immediate and long-term consequences.

Even if you decide not to proceed with MyBudget, your customised budget plan and our recommendations are yours to keep for free.

Many people begin the free consultation thinking that the only way to relieve their debt is to consolidate their loans. Most are surprised to learn that debt consolidate strategies represent only one type of debt relief option available to them. By the end of your free consultation you will have a clear picture of all the options available to you, including debt consolidate strategies and other debt solutions.

Kylie and Scott - Real MyBudget Clients

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What makes MyBudget different to debt consolidation companies?

Our first and foremost priority is you. We explore all of your debt relief options because we want to find the right solution for your specific situation. This may or may not include bad debt consolidation or other debt consolidate arrangements.

Our aim is to relieve you of the stress of money worries. By the end of your free consultation you should feel less pressure and a strong sense of being able to take control of your finances. You'll have a clear idea whether a bad debt consolidation loan or other debt consolidate strategy is the right debt solution for you.

Our staff are not only professional and highly-trained, they are also caring, understanding and never judgmental. They will explain everything, including debt consolidation, in terms which are easy to understand. The value of our staff and services is reflected in the high number of referrals we receive from our clients. In fact, 96 percent of our clients report that they would recommend MyBudget to their friends (survey conducted 2011).

Communication with the staff at MyBudget has always been professional and helpful. Their customer service staff always offer a solution to any problem that may arise and are able to help you juggle any bills that are not in your budget allocation. Thanks to MyBudget we now own both of our cars, no longer have a mortgage and have no credit card debt. 
-Kelly and Mark, North Haven

MyBudget can also offer to do all the heavy lifting for you. Aside from helping you assess your debt consolidate options, we can help to manage your budget on your behalf by ensuring that your bills are paid on time, creditors are taken care of, savings are deposited and, most importantly, that there's always enough money to meet your living expenses. In 2010 alone, we managed over 1.5 million payments and $250 million in salaries on our clients' behalf.

Imagine... No more sleepless nights worrying about money, no more nasty phone calls from collectors, no more "robbing Peter to pay Paul." Just you, enjoying life again because you're back on top of your finances and steadily progressing towards your financial goals.

Jade - A Real MyBudget Client

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MyBudget helped Mark and Kelly decide if debt consolidation was right for them. We can help you, too.

Kelly and Mark were feeling stressed and overwhelmed by their debt. There was never enough money to cover all of their bills and repayments. With MyBudget's help they were able to increase their mortgage payment, pay off their car loan and have savings in the bank after only 12 months, without needing a bad debt consolidation loan.
 
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Reduce you debt. Consolidate or not? MyBudget's advice is independent, confidential and free.

A free consultation with MyBudget is an opportunity to gain deep insights into your financial situation and all of your options. Even if you decide not to become a MyBudget client, the budget plan we prepare for you is yours to keep at no charge.

Change doesn't have to be difficult. The first step is always the hardest, but in this case it's as simple as making a phone call. Take the step today to get out of debt and start saving. It'll be the best decision you've ever made.

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