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

Kelly And Mark

Mark is a Project Officer and Kelly looks after the home.

"After becoming a single income family we found it extremely hard to manage our money. I was paid fortnightly and my husband was being paid monthly, and once my pay stopped coming in we were in dire need. We didn't have any savings, we had a mortgage to pay, car loan, lots of doctor, medication and hospital bills plus the usual bills that we had to run our home, cars, lives etcetera. We used to argue all the time about money — the lack of it," says Kelly. "It was stressful knowing that we were basically living pay to pay," Mark continues, "But after the meeting with MyBudget, I felt great. What they said was really positive… Right then and there they were able to put a whole budget together. They were like our personal accountant with empathy for us," explains Mark. "We do not argue anymore. We were given our budget and shown how to spread our money across the various expenses and debts that we had. With MyBudget's help we were able to increase our mortgage repayments, pay off our car loan and have savings after 12 months. We noticed that within four months we were no longer worried about where the money was coming from, and paying our bills was a breeze," says Kelly. "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," says Mark. "Thanks to MyBudget we now own both of our cars, no longer have a mortgage and have no credit card debt," explains Kelly.

Jade

Jade is an Admissions Officer, and mother.

"Financial difficulty brings you down," says Jade. "You have no quality of life. You just worry about the bills all the time and you don't go out and do anything. When I needed help to figure out what I needed to pay, how to prioritise my debts and organise what was practical, MyBudget helped by showing me who needed to be paid most urgently, how I would be affected by payments and the short and long term prospects for my finances. MyBudget implemented bill smoothing programs for some of the bills that I had. Some of the utility companies I owed money reduced the amount because they obviously had confidence in MyBudget's reliability," explains Jade. "The thing I love about MyBudget is that it's about teaming up with someone who has more knowledge than I do, that can teach me how to do it and that can direct me towards a better future." "MyBudget always makes sure that I know exactly how the budget is going. If I need any amendments or emergency payments, they clearly communicate how the changes will affect the budget. I love their website where I see my statement and where my money is. It allows me to follow the budget closely to see the progress being made. MyBudget's staff are extremely friendly, approachable and helpful. They have a very understanding perspective and make thoughtful suggestions without being invasive or pushy. I always feel comfortable to discuss all financial decisions with MyBudget and 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. I now have money and I am saving. I am taken care of in a way that I am in control and all my bills are taken care of for me," says Jade.

Yvonne

Yvonne is a student.

"When I went to MyBudget I was suffering from depression because I could not pay my bills. I had let my bills go so long that I was receiving lawsuits. I thought I would have to go to court and that I was going to lose my house," says Yvonne. "I rang MyBudget and I spent an hour on the phone, crying the whole time. They ran through their process — how they manage all the bill payments and how I could start saving. I didn't believe that business people could be so empathetic and kind. They negotiated with all my creditors to reduce and arrange payment schedules. I have no problem recommending MyBudget. It's as easy as picking up the phone and making the first step." "MyBudget saved my life. Without them I wouldn't be here today," says Yvonne. "The time I have spent with MyBudget has been great, I have learnt a lot and they have provided me with the stability I need. You always talk to a person and they know your account, call you by name, with a positive attitude. They are always ready to step into your corner and fight for you," continues Yvonne. "I love MyBudget for allowing me to be able to live without dread hanging over my head. I no longer get anxious when the phone rings and I have peace of mind that I can work on my study without worry. I've even taken two holidays with my sons, something that before MyBudget was impossible."

Sean & Lynda

Sean and Lynda are married and have a young family. They are both career police officers who moved from the country and re-established themselves to the city 5 years ago.

“That was probably one of the first reasons for the dramas with money because we had fairly cheap accommodation out there and didn’t have any responsibilities for mortgages or anything like that” says Sean.

“Buying this house definitely, and miscalculating the funds” was where Lynda saw the start of their financial problems

“It was difficult,” says Sean “ not being used to budgeting properly was where we had our first problems. Suddenly the mortgage got bigger, the credit card debt got bigger and it just snowballed from there.”

With their financial situation worsening Sean and Lynda found they were not meeting their commitments.

“About 2 years ago it really started hitting home. The last lot of school fees for the year we found we didn’t have the money for. We had to borrow from our parents and then it was difficult to pay them back”

“The whole financial situation really got us down both individually and as a family as well… we had a lot of dramas” explains Sean “All your waking moments are spent wondering how you are going to pay the next bill”

“It impacts on absolutely everything in your life” says Lynda “missing out on doing stuff with the kids was one thing that really got Sean down, with them missing out on certain opportunities because we just didn’t have the money”

“We both earn good money but just couldn’t seem to do anything with it” explains Sean

It was at this time that Sean’s brother told him about MyBudget and they went in for an interview

“They were fantastic!” says Lynda “They let you know straight away that you are not stupid, that there are people in the same situation, both people who don’t earn a lot of money and people who earn good money”

After their meeting with MyBudget Sean explains that he felt more that just peace of mind.

“It was exciting. To think hey, this is great we can actually get on top of it. I’d been worried about it for so long and had got myself in such a state over it, I couldn’t think of anything else. All of a sudden they have come along with a plan for us and said you can achieve your goals… It was great”

Sean and Lynda joined MyBudget and felt instant relief, both emotionally and financially.

“It’s incredible” explains Lynda “the bills coming in and not having them sit there, not having to worry about them. Make a phone call (to MyBudget) or send an email and it’s done. You don’t have to think about it.”

After being with MyBudget for 12months Sean & Lynda’s financial situation had completely turned around.

“The turning point was when we started to see money going into the savings account” says Sean.

“We’ve got savings!” says Lynda “reading the reports and seeing month by month more money going into it (the savings fund), it was just amazing.”

With new found confidence and the experience gained from working with MyBudget, Sean and Lynda decided to start managing their finances on their own again.

“We always knew that if we do run into trouble we can go back… we’ve got somewhere to turn to, but were in a much better place now to start off with” explains Sean

“MyBudget have given us the skills to be able to do it. We wouldn’t have been able to do it before” says Lynda

Sean and Lynda have been recommending MyBudget to friends and co-workers.

“We’ve always said to them, just pick up the phone and ring them because it’s fantastic and it will change your life, just do it” says Lynda

“Just go in and see them” says Sean “It doesn’t cost anything to go in and see them and it’s not and indignity to say hey, I’m in trouble and ask for some help”.

Jem

Jem is 23 years old and enjoys socialising and spinning records as a DJ when he is not working at his day job for a bank in the area of home loan retention.

"I moved out of home at a really early age" explains Jem "so I didn’t have the ability to learns those tools on how to budget my money as effectively".

Jem found that after changing job roles he became under greater financial pressure.

"I was back peddling with my money… not having those skills made it really tough to live life" says Jem.

"Not having much money caused me to be depressed and really low on life. It made it really tough when friends rang up and said 'let’s go to the movies' or 'let’s go have dinner' and not be able to do it… it’s really hard".

Jem heard about MyBudget through a friend who had been in a similar situation.

"Seeing the way MyBudget helped them out, it was perfect for what I needed… I looked them up on the Internet and gave them a call. They were more than happy to make an appointment for when it suited me. I went in and had a chat with them and they went over everything, and what they said was great".

"After the meeting with MyBudget, I felt great. What they said was really positive… right then and there they were able to put a whole budget together, they were able to establish savings, and when I would be able to have a bit more money free up for enjoying life a bit more".

"I used to have creditors on my back on a regular basis or companies disconnecting my mobile phone, home phone and internet, that was happening all the time. When I went to MyBudget they addressed that straight away and negotiated with them… and now its great… it never happens anymore".

Jem has found that working with MyBudget has changed his attitude towards his finances.

"I can see that it is manageable and it is possible to live life without having that stress over your head. It’s such a relief. I can be more sociable and I’m a lot happier now knowing that I don’t have that problem anymore"

Jem says that he would recommend MyBudget to anyone struggling to manage their funds regardless of how much money they earn.

"They have helped me so much and it’s turned my life around… so go for it"

Kelly And Mark

Mark is a Project Officer and Kelly looks after the home.

"After becoming a single income family we found it extremely hard to manage our money. I was paid fortnightly and my husband was being paid monthly, and once my pay stopped coming in we were in dire need. We didn't have any savings, we had a mortgage to pay, car loan, lots of doctor, medication and hospital bills plus the usual bills that we had to run our home, cars, lives etcetera. We used to argue all the time about money — the lack of it," says Kelly. "It was stressful knowing that we were basically living pay to pay," Mark continues, "But after the meeting with MyBudget, I felt great. What they said was really positive… Right then and there they were able to put a whole budget together. They were like our personal accountant with empathy for us," explains Mark. "We do not argue anymore. We were given our budget and shown how to spread our money across the various expenses and debts that we had. With MyBudget's help we were able to increase our mortgage repayments, pay off our car loan and have savings after 12 months. We noticed that within four months we were no longer worried about where the money was coming from, and paying our bills was a breeze," says Kelly. "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," says Mark. "Thanks to MyBudget we now own both of our cars, no longer have a mortgage and have no credit card debt," explains Kelly.

Jade

Jade is an Admissions Officer, and mother.

"Financial difficulty brings you down," says Jade. "You have no quality of life. You just worry about the bills all the time and you don't go out and do anything. When I needed help to figure out what I needed to pay, how to prioritise my debts and organise what was practical, MyBudget helped by showing me who needed to be paid most urgently, how I would be affected by payments and the short and long term prospects for my finances. MyBudget implemented bill smoothing programs for some of the bills that I had. Some of the utility companies I owed money reduced the amount because they obviously had confidence in MyBudget's reliability," explains Jade. "The thing I love about MyBudget is that it's about teaming up with someone who has more knowledge than I do, that can teach me how to do it and that can direct me towards a better future." "MyBudget always makes sure that I know exactly how the budget is going. If I need any amendments or emergency payments, they clearly communicate how the changes will affect the budget. I love their website where I see my statement and where my money is. It allows me to follow the budget closely to see the progress being made. MyBudget's staff are extremely friendly, approachable and helpful. They have a very understanding perspective and make thoughtful suggestions without being invasive or pushy. I always feel comfortable to discuss all financial decisions with MyBudget and 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. I now have money and I am saving. I am taken care of in a way that I am in control and all my bills are taken care of for me," says Jade.

Yvonne

Yvonne is a student.

"When I went to MyBudget I was suffering from depression because I could not pay my bills. I had let my bills go so long that I was receiving lawsuits. I thought I would have to go to court and that I was going to lose my house," says Yvonne. "I rang MyBudget and I spent an hour on the phone, crying the whole time. They ran through their process — how they manage all the bill payments and how I could start saving. I didn't believe that business people could be so empathetic and kind. They negotiated with all my creditors to reduce and arrange payment schedules. I have no problem recommending MyBudget. It's as easy as picking up the phone and making the first step." "MyBudget saved my life. Without them I wouldn't be here today," says Yvonne. "The time I have spent with MyBudget has been great, I have learnt a lot and they have provided me with the stability I need. You always talk to a person and they know your account, call you by name, with a positive attitude. They are always ready to step into your corner and fight for you," continues Yvonne. "I love MyBudget for allowing me to be able to live without dread hanging over my head. I no longer get anxious when the phone rings and I have peace of mind that I can work on my study without worry. I've even taken two holidays with my sons, something that before MyBudget was impossible."

Sean & Lynda

Sean and Lynda are married and have a young family. They are both career police officers who moved from the country and re-established themselves to the city 5 years ago.

“That was probably one of the first reasons for the dramas with money because we had fairly cheap accommodation out there and didn’t have any responsibilities for mortgages or anything like that” says Sean.

“Buying this house definitely, and miscalculating the funds” was where Lynda saw the start of their financial problems

“It was difficult,” says Sean “ not being used to budgeting properly was where we had our first problems. Suddenly the mortgage got bigger, the credit card debt got bigger and it just snowballed from there.”

With their financial situation worsening Sean and Lynda found they were not meeting their commitments.

“About 2 years ago it really started hitting home. The last lot of school fees for the year we found we didn’t have the money for. We had to borrow from our parents and then it was difficult to pay them back”

“The whole financial situation really got us down both individually and as a family as well… we had a lot of dramas” explains Sean “All your waking moments are spent wondering how you are going to pay the next bill”

“It impacts on absolutely everything in your life” says Lynda “missing out on doing stuff with the kids was one thing that really got Sean down, with them missing out on certain opportunities because we just didn’t have the money”

“We both earn good money but just couldn’t seem to do anything with it” explains Sean

It was at this time that Sean’s brother told him about MyBudget and they went in for an interview

“They were fantastic!” says Lynda “They let you know straight away that you are not stupid, that there are people in the same situation, both people who don’t earn a lot of money and people who earn good money”

After their meeting with MyBudget Sean explains that he felt more that just peace of mind.

“It was exciting. To think hey, this is great we can actually get on top of it. I’d been worried about it for so long and had got myself in such a state over it, I couldn’t think of anything else. All of a sudden they have come along with a plan for us and said you can achieve your goals… It was great”

Sean and Lynda joined MyBudget and felt instant relief, both emotionally and financially.

“It’s incredible” explains Lynda “the bills coming in and not having them sit there, not having to worry about them. Make a phone call (to MyBudget) or send an email and it’s done. You don’t have to think about it.”

After being with MyBudget for 12months Sean & Lynda’s financial situation had completely turned around.

“The turning point was when we started to see money going into the savings account” says Sean.

“We’ve got savings!” says Lynda “reading the reports and seeing month by month more money going into it (the savings fund), it was just amazing.”

With new found confidence and the experience gained from working with MyBudget, Sean and Lynda decided to start managing their finances on their own again.

“We always knew that if we do run into trouble we can go back… we’ve got somewhere to turn to, but were in a much better place now to start off with” explains Sean

“MyBudget have given us the skills to be able to do it. We wouldn’t have been able to do it before” says Lynda

Sean and Lynda have been recommending MyBudget to friends and co-workers.

“We’ve always said to them, just pick up the phone and ring them because it’s fantastic and it will change your life, just do it” says Lynda

“Just go in and see them” says Sean “It doesn’t cost anything to go in and see them and it’s not and indignity to say hey, I’m in trouble and ask for some help”.

Jem

Jem is 23 years old and enjoys socialising and spinning records as a DJ when he is not working at his day job for a bank in the area of home loan retention.

"I moved out of home at a really early age" explains Jem "so I didn’t have the ability to learns those tools on how to budget my money as effectively".

Jem found that after changing job roles he became under greater financial pressure.

"I was back peddling with my money… not having those skills made it really tough to live life" says Jem.

"Not having much money caused me to be depressed and really low on life. It made it really tough when friends rang up and said 'let’s go to the movies' or 'let’s go have dinner' and not be able to do it… it’s really hard".

Jem heard about MyBudget through a friend who had been in a similar situation.

"Seeing the way MyBudget helped them out, it was perfect for what I needed… I looked them up on the Internet and gave them a call. They were more than happy to make an appointment for when it suited me. I went in and had a chat with them and they went over everything, and what they said was great".

"After the meeting with MyBudget, I felt great. What they said was really positive… right then and there they were able to put a whole budget together, they were able to establish savings, and when I would be able to have a bit more money free up for enjoying life a bit more".

"I used to have creditors on my back on a regular basis or companies disconnecting my mobile phone, home phone and internet, that was happening all the time. When I went to MyBudget they addressed that straight away and negotiated with them… and now its great… it never happens anymore".

Jem has found that working with MyBudget has changed his attitude towards his finances.

"I can see that it is manageable and it is possible to live life without having that stress over your head. It’s such a relief. I can be more sociable and I’m a lot happier now knowing that I don’t have that problem anymore"

Jem says that he would recommend MyBudget to anyone struggling to manage their funds regardless of how much money they earn.

"They have helped me so much and it’s turned my life around… so go for it"