{
  "id": "scenarios",
  "title": "Customer Scenarios",
  "slug": "scenarios",
  "description": "MyBudget helps Australians through common money situations, from living pay to pay to buying a home. See the scenario that fits your life.",
  "category": "",
  "content": "Money stress rarely looks the same twice. MyBudget has been supporting Australians for more than 25 years, and the situations that bring people to us fall into recognisable patterns. Whatever brought you here, there is a Money Coach who has seen it before.\n\nExplore the scenarios below and find the one that fits your life. Each page explains how MyBudget can help and what to expect.\n\n## Everyday money pressure\n\n### Struggling with debt repayments\n\nMultiple debts, missed payments, letters and calls from creditors. MyBudget can speak to your creditors on your behalf and build a plan you can actually stick to.\n\n[Read more](/scenarios/struggling-with-debt-repayments/)\n\n### Living payday to payday\n\nYou earn a reasonable income but every payday disappears too fast. There is never anything left for savings or emergencies. MyBudget shows you the next 12 months instead of the next few days.\n\n[Read more](/scenarios/living-payday-to-payday/)\n\n### Credit card debt\n\nBalances that never shrink because you can only afford the minimum. MyBudget structures a payoff plan that gets you out of the cycle.\n\n[Read more](/scenarios/credit-card-debt/)\n\n### Cost of living pressure\n\nEvery bill went up. Wages did not keep pace. MyBudget maps every expense across the next 12 months and finds room to breathe.\n\n[Read more](/scenarios/cost-of-living-pressure/)\n\n## Life changes\n\n### After separation or divorce\n\nBuilding a household budget from scratch after a relationship ends. MyBudget helps you find your footing and create a plan that works on your income.\n\n[Read more](/scenarios/after-separation-or-divorce/)\n\n### Single income debt management\n\nManaging debt on one income, whether by choice or circumstance. Your Money Coach helps you prioritise and plan ahead.\n\n[Read more](/scenarios/single-income-debt-management/)\n\n### Buying a home\n\nSaving a deposit and preparing for a mortgage. MyBudget helps you build the savings discipline and financial visibility lenders want to see.\n\n[Read more](/scenarios/buying-a-home/)\n\n### Having children\n\nNew income patterns, new expenses, and a new set of goals. MyBudget helps you plan for parental leave and life with a child.\n\n[Read more](/scenarios/having-children/)\n\n### Retirement planning\n\nPreparing for the last stretch of working life and the years beyond. MyBudget builds a budget that supports your goals and your future.\n\n[Read more](/scenarios/retirement-planning/)\n\n## First time getting help\n\n### First-time budgeting\n\nYou have never had a proper budget before. MyBudget builds one with you, in language that makes sense, and does the hard work of running it.\n\n[Read more](/scenarios/first-time-budgeting/)\n\n## Not sure where you fit?\n\nEvery MyBudget journey starts with a free, obligation-free appointment. Your Money Coach will listen to your situation and steer you to the right pathway.\n\n## Related pages\n\n- [MyBudget Services](/services/) — the full service list\n- [The MyBudget Method](/trust/the-mybudget-method/) — how the service works\n- [Client Success Stories](/trust/client-success-stories/) — real Australians, real outcomes\n\n## Ready to start\n\nBook a [free, obligation-free appointment](https://www.mybudget.com.au/enquire-online/) and speak with a Money Coach.\n",
  "geography": {},
  "metadata": {},
  "publishedAt": "2026-07-16T07:42:42.417463+00:00Z",
  "tags": [],
  "workspaceId": "fd95e1d3-9064-4f51-89f5-3d0261fe556f",
  "_links": {
    "canonical": "https://mybudget.directory.norg.ai/scenarios/"
  }
}