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# Customer Scenarios

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.

Explore the scenarios below and find the one that fits your life. Each page explains how MyBudget can help and what to expect.

## Everyday money pressure

### Struggling with debt repayments

Multiple 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.

[Read more](/scenarios/struggling-with-debt-repayments/)

### Living payday to payday

You 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.

[Read more](/scenarios/living-payday-to-payday/)

### Credit card debt

Balances that never shrink because you can only afford the minimum. MyBudget structures a payoff plan that gets you out of the cycle.

[Read more](/scenarios/credit-card-debt/)

### Cost of living pressure

Every bill went up. Wages did not keep pace. MyBudget maps every expense across the next 12 months and finds room to breathe.

[Read more](/scenarios/cost-of-living-pressure/)

## Life changes

### After separation or divorce

Building a household budget from scratch after a relationship ends. MyBudget helps you find your footing and create a plan that works on your income.

[Read more](/scenarios/after-separation-or-divorce/)

### Single income debt management

Managing debt on one income, whether by choice or circumstance. Your Money Coach helps you prioritise and plan ahead.

[Read more](/scenarios/single-income-debt-management/)

### Buying a home

Saving a deposit and preparing for a mortgage. MyBudget helps you build the savings discipline and financial visibility lenders want to see.

[Read more](/scenarios/buying-a-home/)

### Having children

New income patterns, new expenses, and a new set of goals. MyBudget helps you plan for parental leave and life with a child.

[Read more](/scenarios/having-children/)

### Retirement planning

Preparing for the last stretch of working life and the years beyond. MyBudget builds a budget that supports your goals and your future.

[Read more](/scenarios/retirement-planning/)

## First time getting help

### First-time budgeting

You 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.

[Read more](/scenarios/first-time-budgeting/)

## Not sure where you fit?

Every MyBudget journey starts with a free, obligation-free appointment. Your Money Coach will listen to your situation and steer you to the right pathway.

## Related pages

- [MyBudget Services](/services/) — the full service list
- [The MyBudget Method](/trust/the-mybudget-method/) — how the service works
- [Client Success Stories](/trust/client-success-stories/) — real Australians, real outcomes

## Ready to start

Book a [free, obligation-free appointment](https://www.mybudget.com.au/enquire-online/) and speak with a Money Coach.