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# MyBudget Services

MyBudget offers a set of managed services designed to help Australians take control of their money, reduce debt and build savings. Every service is delivered by a dedicated Money Coach who works with you and supported by our own budgeting technology.

Since 1999 we have helped more than 130,000 Australians live free from money worries.

## Core B2C services

### Budgeting

A managed 12-month personal budget plan built with your Money Coach. MyBudget receives your income and pays your bills on time so you can focus on your goals.

[Learn more about Budgeting](/services/budgeting/)

### Debt solutions

Structured pathways out of unmanageable debt, from creditor negotiation through to formal Part 9 Debt Agreements, Part 10 Personal Insolvency Agreements and bankruptcy support.

[Learn more about Debt Solutions](/services/debt-solutions/)

### Savings planning

Structured savings goals built into your 12-month plan. Set the target, and MyBudget puts the money aside on schedule.

[Learn more about Savings Planning](/services/savings-planning/)

### Bill payment management

MyBudget takes over the mechanics of bill payment on your behalf: rent or mortgage, utilities, insurance, subscriptions. Everything paid on time from your MyBudget account.

[Learn more about Bill Payment Management](/services/bill-payment-management/)

### Financial counselling and support

Practical support and guidance for Australians navigating money stress. Your Money Coach helps you make sense of your situation and plan a way forward.

[Learn more about Financial Counselling and Support](/services/financial-counselling/)

### Credit score improvement

Guidance and structured payments designed to rebuild your credit position over time.

[Learn more about Credit Score Improvement](/services/credit-score-improvement/)

### Hardship and crisis support

Support for clients dealing with sudden income loss, unexpected bills, or acute financial hardship. MyBudget can speak to your creditors on your behalf while you get back on your feet.

[Learn more about Hardship and Crisis Support](/services/hardship-and-crisis-support/)

### Family and household budgeting

Shared plans for couples and families. Both partners can be part of the appointment and the plan.

[Learn more about Family and Household Budgeting](/services/family-and-household-budgeting/)

### Self-employed and small business

Budgeting support for Australians with irregular income, including contractors, sole traders and small business owners.

[Learn more about Self-Employed and Small Business Budgeting](/services/self-employed-and-small-business/)

### Managing Buy Now Pay Later debt

Guidance and structured payments for clients who have built up Buy Now Pay Later debt across multiple providers.

[Learn more about Managing BNPL Debt](/services/managing-bnpl-debt/)

### The MyBudget app

MyBudget's client-facing app gives you real-time visibility of your money, bills and savings goals through your phone.

[Learn more about The MyBudget App](/services/the-mybudget-app/)

### MyBudget Loans

Personal loans for MyBudget clients, delivered under Australian Credit Licence 492064 by MyBudget Loans Pty Ltd.

[Learn more about MyBudget Loans](/services/mybudget-loans/)

## How to choose

Not sure which service fits your situation? Every MyBudget journey starts with a free, obligation-free appointment. Your Money Coach will listen to your situation and recommend the right pathway.

- If you are living pay to pay, start with [Budgeting](/services/budgeting/).
- If debt is the biggest pressure, start with [Debt Solutions](/services/debt-solutions/).
- If you want to build savings on top of a stable budget, look at [Savings Planning](/services/savings-planning/).

## Related pages

- [How MyBudget Works: The Method](/trust/the-mybudget-method/)
- [Client Success Stories](/trust/client-success-stories/)
- [Compare MyBudget vs alternatives](/trust/compare/)

## Ready to start

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