# MyBudget NZ > Achieve financial freedom with MyBudget's tailored personal budget services, ensuring timely bill payments and savings goals. Call 09 849 6285 to start now! ## Pages - [Personal Loan Calculator](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/personal-loan-calculator/) - [Budgeting App](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-app/) - [MyMoney MyStory](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/podcasts/) - [Debt Help](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/debt-help/) - [Articles](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/) - [Cost of Living Support](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/cost-of-living-support/) - [BNPL](https://mybudgetnz.kwp.digital/buy-now-pay-later-financial-support/) - [Budgeting & financial goals](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-and-financial-goals-secrets/) - [Money Hub](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/) - [Budgeting Help V2](https://nz.mybudget.com.au/budgeting-help-v2/) - [Contact Us](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/contact-us/) - [Privacy Policy](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/privacy-policy/): Our privacy commitment MyBudget is committed to protecting your privacy. We adhere to this privacy policy to keep your personal... - [About Us](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/about-us/) - [Savings Calculator](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/savings-calculator/) - [Home Loan Repayment Calculator](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/home-loan-repayment-calculator/) - [Income Tax Calculator](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/income-tax-calculator/) - [Complaints, Feedback & Support](https://mybudgetnz.kwp.digital/complaints/): Information for clients who have a concern or need additional support At MyBudget, we aim to provide you with exceptional... - [Frequently Asked Questions](https://mybudgetnz.kwp.digital/faqs/) - [Budgeting for a baby](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-for-a-baby/) - [Credit Card Debt](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/credit-card-debt/) - [Careers](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/careers/) - [How It Works](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/how-it-works/) - [Savings](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/savings/) - [MyBudget fee schedule](https://mybudgetnz.kwp.digital/feeschedule/): What is the MyBudget fee schedule? Effective 1st July 2026 (all fees are in $NZD and include 15% GST), fees... - [Client FAQs](https://nz.mybudget.com.au/faqs-clients/) - [Thank you](https://nz.mybudget.com.au/enquire-online/thank-you/) - [Social media terms & conditions](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/social-media-promotions-terms-conditions/): MyBudget 20,000 Follower Giveaway (the “Competition”) Terms & Conditions The promoter of this Competition is MyBudget Pty Ltd ABN 82... - [Subscribe](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/subscribe/) - [Sitemap](https://nz.mybudget.com.au/sitemap/) - [Appointment](https://mybudgetnz.kwp.digital/appointment/) - [Credit Sense](https://mybudgetnz.kwp.digital/secure-credit-sense/) - [KYC](https://mybudgetnz.kwp.digital/kyc/) - [Client Stories](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/client-stories/) - [Enquire Online](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/enquire-online/) - [Resources](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/resources/) - [MyBudget TV](https://nz.mybudget.com.au/moneyhub/mybudget-tv/) - [Budgeting Help](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-help/) - [Home Page](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/): For over 25 years, MyBudget has helped 130,000+ people achieve their financial goals. ## Articles - [Afterpay Day Sales 2026: How to Save Without Blowing Your Budget](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/afterpay-day-sales-save-without-blowing-your-budget/): Get the best 2026 Afterpay Day deals without debt. Learn what Afterpay Day is, when it starts, how it works... - [The ultimate guide to Christmas shopping on a budget](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/christmas-savings/christmas-shopping-on-a-budget/): From creating a Christmas savings plan to shopping early and using DIY Christmas gift ideas, planning ahead with MyBudget is... - [When the wishlist is bigger than the budget: managing kids' expectations at Christmas](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/christmas-savings/managing-kids-christmas-expectations/): Christmas is magical for children, but it can also be one of the most financially stressful times of the year... - [How to avoid paying interest on credit card purchases](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/credit-card/how-to-avoid-paying-interest-on-credit-card-purchases/): Learn how to avoid paying interest on credit card purchases and pocket the savings by understanding how credit card interest... - [$28,000 in debt paid off in 13 Months: Kim & Bob’s success story](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/success-stories/kim-and-bob-mybudget-client-story/): If you’re looking for stories of people getting out of debt, Kim and Bob’s client success story shows what’s possible... - [How much does MyBudget cost? And why it could be the best financial decision you'll ever make](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/money-management/how-much-does-mybudget-cost/): If you’ve been thinking about joining MyBudget, this blog answers the number one question individuals ask. How much does it... - [How to set up a budget](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/how-to-set-up-a-budget/): Setting up a budget is one of the best ways to take control of your money. Whether you’re trying to... - [Personal budgeting 101: money management and financial goals](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/personal-budgeting-101/): Personal budgeting helps New Zealanders manage their income, expenses, savings and debt so bills are paid on time, financial stress... - [3 Debt repayment strategies to pay off debt faster](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/how-to-get-out-of-debt/): Debt repayment can feel overwhelming, but the right strategy can help you make steady progress towards becoming debt free. Whether... - [How to separate finances before divorce or separation](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/money-management/budgeting-for-life-after-divorce-or-separation/): Separating from a partner is never easy, and managing your finances during this time can feel overwhelming. Whether you’re married,... - [How to take control of debt: practical debt management strategies](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/debt-management-strategies/): Debt management is about finding practical ways to stay on top of your repayments, reduce financial stress and regain control... - [How to become debt-free in 2026: the financial reset you need](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/how-to-become-debt-free-in-2026-the-financial-reset-you-need/): Get debt-free in 2026 with a clear, step-by-step guide to paying off debt, setting up a realistic budget and starting... - [How to manage money with ADHD: budgeting for the neurodivergent](https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/adhd-money-management-whats-your-money-type/): ADHD can make budgeting and money management harder due to impulsive spending, forgetfulness and financial overwhelm. This guide explains practical... - [Tammy Barton shares insights on mortgage stress in Victoria](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/in-the-media/tammy-barton-mortgage-stress-victoria-may-2026/): Tammy Barton featured on realestate. com. au and news. com. au (May 2026) With mortgage stress continuing to rise across... - [Why AI budgeting doesn't work in real-life](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/ai-budgeting-vs-human-support/): AI can help you start a budget, but it can’t adapt to real-life changes, understand human behaviour, or provide the... - [Tammy Barton on AI budgeting in The Australian](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/in-the-media/tammy-barton-on-ai-budgeting-the-australian/): Tammy Barton featured in The Australian March 2026 As more Australians turn to AI tools to manage their money, Tammy... - [How to stop waiting for payday: get financially fit](https://nz.mybudget.com.au/moneyhub/articles/money-management/stop-waiting-for-payday/): If you’re constantly waiting for payday, it often means your money doesn’t have a clear plan yet. To stop living... - [How much emergency fund should you have? And how to build it](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/saving-for-an-emergency-fund/): Life is unpredictable, and emergencies can happen at any time. If you have ever felt like you are one unexpected... - [How to save for a holiday in 2026 (and 15 tips to actually make it happen)](https://nz.mybudget.com.au/moneyhub/articles/savings-tips/saving-for-a-holiday/): Your step-by-step guide to planning, budgeting and actually hitting your holiday savings goal. Saving for a holiday sounds simple... until... - [Top 25 Mother’s Day gift ideas for every budget in 2026](https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/25-mothers-day-gift-ideas-for-every-budget/): Discover 25 thoughtful Mother’s Day gift ideas on a budget, with affordable options that make Mum feel special without overspending.... - [How do I stop spending money?](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/how-do-i-stop-spending-money/): If you’re wondering how to stop spending money, the quickest way is to make your spending more intentional. Simple changes... - [How to get out of debt with a budget: Valerie’s story](https://nz.mybudget.com.au/moneyhub/articles/success-stories/success-stories-valerie-getting-out-of-debt/): Many Australians are dealing with financial stress, rising living expenses and the feeling of drowning in debt. If you’re struggling... - [Tammy Barton shares saving money tips amid rising cost of living](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/in-the-media/tammy-barton-courier-mail-saving-money-apr-26/): Tammy Barton featured in The Courier Mail April 2026 With rising living costs across Australia, practical money management advice has... - [How much should you budget for a pet in New Zealand?](https://mybudgetnz.kwp.digital/moneyhub/articles/budgeting-tips/how-much-should-you-budget-for-a-pet/): Bringing home a new pet is exciting. Whether it’s a puppy your kids have been asking for or a rescue... - [Access pay early apps in New Zealand: how to avoid getting trapped in a cycle of debt](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/access-pay-early-apps-how-to-avoid-getting-trapped-in-a-cycle-of-debt/): Accessing your pay early lets you receive part of your wages before payday, but it’s important to understand the costs,... - [What to do when you can't pay your bills: strategies to take control](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/what-to-do-when-you-cant-pay-your-bills/): Struggling to manage overdue bills? Rising costs and interest rate hikes can feel overwhelming, but taking proactive steps to protect... - [What is saving and why is it important for financial security?](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/what-is-saving/): Saving is the foundation of financial security. It is how you prepare for emergencies, plan for long-term goals, reduce financial... - [Subscription creep explained: how to find, cancel and manage your subscriptions](https://mybudgetnz.kwp.digital/moneyhub/articles/budgeting-tips/stop-subscription-creep/): Subscription creep is when recurring payments for streaming services, apps and memberships quietly build up over time, making it harder... - [Does Afterpay and Buy Now Pay Later affect your credit score?](https://nz.mybudget.com.au/moneyhub/articles/debt-help/does-afterpay-and-buy-now-pay-later-affect-your-credit-score/): Buy Now Pay Later (BNPL) services in Australia like Afterpay, Klarna, Zip and PayPal Pay in 4 offer interest‑free instalments,... - [Your 2026 financial checklist for long-term success](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-2026-financial-checklist/): A financially successful 2026 doesn’t come from guesswork or good intentions. It comes from clarity, structure and knowing where your... - [How to handle the messy middle of life, work and everything](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/how-to-handle-the-messy-middle-of-life-work-and-everything/): I was recently asked to deliver the MBA graduation speech at the Australian Institute of Business. It was an honour... - [New house? How to move on a budget](https://nz.mybudget.com.au/moneyhub/articles/property-talk/new-house-how-to-move-on-a-budget/): Moving expert Kirsty Morbidelliis from U-Store-It shares her favourite moving house tips, and talks us through how to move on... - [Escaping financial abuse: How Dana said ‘I deserve better’](https://nz.mybudget.com.au/moneyhub/articles/podcasts/escaping-financial-abuse-how-dana-said-i-deserve-better/): Financial abuse is a type of domestic violence that is often overlooked or dismissed. It involves controlling or manipulating someone’s... - [How to clean your credit report and repair your credit score](https://nz.mybudget.com.au/moneyhub/articles/debt-help/your-credit-report/): If your credit score has taken a hit and you’re wondering “How can I fix my credit score? ” This... - [Fast fashion vs quality pieces: how to build a timeless wardrobe within your budget](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/fast-fashion-vs-quality-pieces-how-to-build-a-timeless-wardrobe-within-your-budget/): Discover how choosing quality fashion over fast fashion can save you money, reduce your environmental impact and help you build... - [How to get ahead financially: help to get out of debt and save money](https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-to-get-ahead-financially/): Discover practical ways to pay off debt, save more, and finally get ahead financially, with real-life inspiration from MyBudget clients... - [Celebrating women in business at Small Business Week 2025](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/celebrating-women-in-business/): I was honored to speak at the Women in Business Breakfast this week. The Office for Small and Family Business... - [Your money mindset is your greatest asset for financial success](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-money-mindset-is-your-greatest-asset/): We often hear about the importance of budgeting, saving money, and investing when it comes to financial wellbeing. And while... - [Meal planning to save money: the ultimate money saving plan](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/meal-planning-to-save-money/): Want to know how to start saving money on groceries in New Zealand? This blog shows how a meal planning... - [Spring clean your finances: simple steps to get money back on track](https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/spring-clean-your-finances-australia/): Now is the time to take control of your money. A fresh season is the perfect chance to dust off... - [How to save money in New Zealand: our ultimate savings guide](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/how-to-save-money-in-australia-our-ultimate-guide/): Are you struggling to save money and break free from living payday-to-payday, especially with today’s rising cost of living? Learn... - [How to stress less about money: your guide to reducing financial stress](https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-stress-less-about-money/): Financial stress impacts all aspects of our life. . See how Pete and Alyssa overcame their money problems and became... - [Is inheritance your only hope of buying a home in Australia?](https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/is-inheritance-your-only-hope-of-buying-a-home-in-australia/): Have you ever thought that waiting for an inheritance is your only way into the housing market? I’m Tammy Barton,... - [Summer budgets are made in winter](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/summer-budgets-are-made-in-winter/): Get ahead of the holiday rush with MyBudget’s expert tips and tools to start your Christmas budget plan in July... - [Why am I always broke? How to break the cycle and save money](https://nz.mybudget.com.au/moneyhub/articles/debt-help/why-am-i-always-broke/): Wondering why you’re always broke? Discover spending habits, money traps, and budgeting tips that help Australians stop living pay to... - [The true cost of making only minimum payments on your credit card](https://nz.mybudget.com.au/moneyhub/articles/credit-card/the-true-cost-of-making-only-minimum-payments-on-your-credit-card/): Minimum credit card payments might seem helpful, but they can cost you thousands, learn how to pay off credit cards... - [Sitting on $7,000? Here’s how to sell your unused items on eBay](https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-sell-things-on-ebay/): Did you know the average Aussie household is sitting on $7,000 worth of unused items at home? According to Statista’s... - [How MyBudget helped Alyssa & Pete take control of their finances and achieve their financial goals](https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-alyssa-pete-take-control-of-their-finances/): Discover how a tailored personal budget helped Alyssa and Pete pay off credit card debt, build savings, manage cash flow,... - [New vs used: is it worth buying a new car? Our complete guide](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/when-to-buy-a-new-car-vs-used/): Trying to decide between buying a new or used car? We break down the pros, cons, costs and key factors... - [How MyBudget helped Michelle and Phil pay off $40,000 in debt](https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-michelle-and-phil-pay-off-40000-in-debt-and-why-theyve-remained-clients-for-over-10-years/): Good income but constant money stress? Michelle and Phil were living paycheck to paycheck, struggling to manage their finances. Discover... - [Alternatives to debt consolidation loans: we found a better option for Debbie and Alan](https://nz.mybudget.com.au/moneyhub/articles/debt-help/alternatives-to-debt-consolidation/): Debbie and Alan, like many Australians, felt overwhelmed by personal debt and even got rejected by the bank for another... - [Can I survive as a single parent on one income?](https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/can-i-survive-as-a-single-parent-on-one-income/): Australian single parents face unique financial pressures, this guide shares budgeting tips, savings strategies, government benefits and emotional support to... - [How Bec and Jarrad fast-tracked their financial goals and transformed their finances](https://nz.mybudget.com.au/moneyhub/articles/debt-help/success-story-bec-and-jarrad-goals/): Bec and Jarrad believed they were on top of their finances, until they discovered they could achieve so much more.... - [How to set financial goals you'll actually achieve: 5 easy steps](https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-achieve-your-financial-goals/): Got a list of financial goals that feels more like a wish list? You’re not alone. Saving for a house... - [How to talk about money in a relationship without conflict](https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/how-to-talk-about-money-in-a-relationship-without-conflict/): Talking about money in a relationship works best when couples communicate early, share visibility through budgeting, respect different money habits,... - [Single parent budgeting success: How one mum turned her financial situation around](https://nz.mybudget.com.au/moneyhub/articles/debt-help/single-parent-budgeting/): When single mum Jenni came to MyBudget for help, she was at rock bottom. No partner support, a sick baby,... - [How to get out of debt and save | Megan & Creagh’s client journey](https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-to-get-out-of-debt-and-save/): When you’re finding yourself dealing with money problems and not knowing how to cope, sitting down and planning out debt... - [From budget spreadsheets to savings success: Erin and Adam’s MyBudget story](https://nz.mybudget.com.au/moneyhub/articles/success-stories/erin-and-adams-mybudget-journey/): Erin and Adam turned money stress into financial success with MyBudget, achieving milestones like building a home, saving for a... - [How to buy a home in 2025: debunking myths and tips for success](https://nz.mybudget.com.au/moneyhub/articles/property-talk/how-to-buy-a-home-in-australia/): Out-of-the box ideas for how to get into the property market with Australian house prices still rising (along with the... - [From financial strain to achieving dream goals: Caroline’s journey with MyBudget](https://nz.mybudget.com.au/moneyhub/articles/success-stories/from-financial-strain-to-achieving-dream-goals/): Caroline’s journey with MyBudget is proof of the transformative impact expert financial support can have in achieving dream goals. From... - [The voice of MyBudget](https://nz.mybudget.com.au/moneyhub/articles/debt-help/the-voice-of-mybudget/): When I was little I dreamt of being a singer. I even joined the Johnny Young Talent School. Fortunately —... - [Getting a home loan with bad credit: non-conforming loans in Australia](https://nz.mybudget.com.au/moneyhub/articles/debt-help/bad-credit-home-loans-what-are-they-and-how-can-you-get-approved/): If you have bad credit and are struggling to secure a home loan in Australia, non-conforming loans may be the... - [How to talk to your kids about money](https://nz.mybudget.com.au/moneyhub/articles/podcasts/how-to-talk-to-your-kids-about-money/): As a child, Krystal tried to understand why her family suddenly couldn’t afford the things they once could. Her parents... - [A mortgage cliff is looming: what can Australians do?](https://nz.mybudget.com.au/moneyhub/articles/debt-help/a-mortgage-cliff-is-looming-what-can-australians-do/): If you’re one of the more than 1. 3 million Australians who will be forced to move from a fixed... - [Overcoming business and financial setbacks with Shane Michael Hatton](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/podcasts/overcoming-business-and-financial-setbacks-with-shane-michael-hatton/): Shane was struggling with an involuntary debt that was outside of his control and a series of financial setbacks, and... - [How to pay yourself as a business owner in Australia](https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-pay-yourself-as-a-business-owner-in-australia/): Are you an up and coming entrepreneur in Australia? If so, you’ll want to make sure that you’re setting yourself... - [Women in tech in Australia: fostering the advancement of women in technological innovation](https://nz.mybudget.com.au/moneyhub/articles/debt-help/women-in-tech-australia/): If asked to name two or three influential tech giant leaders of our time, who comes to mind? Elon Musk?... - [Is it better to renovate or rebuild? Here are the pros and cons](https://nz.mybudget.com.au/moneyhub/articles/debt-help/is-it-better-to-renovate-or-rebuild/): In the current property market, many homeowners are wondering if it’s better to knock down and rebuild or renovate. We... - [The hidden costs of buying a new home revealed (there’s more than you might think)](https://nz.mybudget.com.au/moneyhub/articles/property-talk/the-hidden-costs-of-buying-a-new-home/): When it comes to buying a house, getting an answer to the question, ‘What percent deposit do I need for... - [The importance of money management for kids](https://nz.mybudget.com.au/moneyhub/articles/money-management/the-importance-of-money-management-for-kids/): Financial literacy for kids is important to encourage children to build healthy financial habits and learn the importance of saving... ## MyBudget TV - [How to Host Christmas Lunch for Under $100 | Budget-Friendly Tips](https://www.youtube.com/watch?v=VjKaVmV1_rQ) - [Juggling overdue bills? Take these 3 steps and see the results..](https://www.youtube.com/watch?v=1YjrELJ6zYw) - [What can I claim on my tax return? | Tax time tips for Australians from Tammy Barton at MyBudget](https://www.youtube.com/watch?v=qP5SEIi1_pU) - [Stop overpaying for bills! 4 easy ways to cut down household expenses](https://www.youtube.com/watch?v=xvZ7v7CgqxA) - [How MyBudget can help | Your path to financial freedom | Manage money, get out of debt and save](https://www.youtube.com/watch?v=JJNU4VHy4io) ## Podcasts - [Alyssa and Pete's debt-free journey to one income | MyMoney MyStory podcast](https://nz.mybudget.com.au/moneyhub/podcasts/alyssa-and-petes-debt-free-journey-to-one-income-mymoney-mystory-podcast/): Alyssa and Pete overcame $65K of debt, IVF costs, and the chaos of raising three kids, and now live comfortably... - [Kylie and Scott get back on their feet | MyMoney MyStory podcast](https://nz.mybudget.com.au/moneyhub/podcasts/kylie-and-scott-mybudget-mymoney-mystory-podcast/): Through heartbreak, hospital stays and financial collapse, Kylie and Scott found the one thing that got them through it all,... - [Could a budget save your marriage? | MyMoney MyStory podcast](https://nz.mybudget.com.au/moneyhub/podcasts/michelle-and-phil-mymoney-mystory-podcast/): They faced constant money stress, $40K in debt, and a marriage on the line, until one phone call changed everything.... - [Erin and Adam: saving money and building wealth | MyMoney MyStory podcast](https://nz.mybudget.com.au/moneyhub/podcasts/erin-and-adam-mymoney-mystory-podcast/): With the help of MyBudget, Erin and Adam turned financial uncertainty into financial stability, paving the way for homeownership, a... - [Mr Ordinary's debt landed him in jail. Here’s how one Aussie rebuilt his life with MyBudget’s help](https://nz.mybudget.com.au/moneyhub/podcasts/mr-ordinarys-debt-landed-him-in-jail/): Many Australians live what appears to be an “ordinary” life, a mortgage, a car, a credit card or three, a... ## Money Tools - [Personal Budget Template](https://mybudgetnz.kwp.digital/moneyhub/resources/templates/personal-budget-template/) - [Goal Setting Template](https://mybudgetnz.kwp.digital/moneyhub/resources/templates/goals-template/) - [Get a Better Deal Checklist](https://mybudgetnz.kwp.digital/moneyhub/resources/templates/get-a-better-deal-checklist/) - [10 Steps to Get Out of Debt eBook](https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/resources/templates/10-steps-to-get-out-of-debt/) # # Detailed Content ## Pages - Published: 2026-07-15 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/personal-loan-calculator/ Personal Loan Calculator | MyBudget New Zealand MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomePersonal Loan Calculator Personal Loan Calculator Thinking about taking out a personal loan? Understanding what your repayments could look like is a great first step. Start Calculating See How a Personal Loan Fits Your Budget A personal loan can help you achieve an important goal, but only if the repayments fit comfortably within your budget. Estimate your repayments, then see how MyBudget helps you plan 12 months ahead without losing sight of your bigger financial goals. Bob & Kim | MyBudget clients Looking beyond the loan A personal loan is only one part of your financial picture.MyBudget helps you:Borrow with confidenceSee 12 months aheadBuild savings over timeAchieve your financial goalsBook Your Free Appointment Helping 130,000+ people build a better financial future for over 25 years Personal Loan Calculator FAQs Can’t find what you’re looking for?See more FAQs… How does the Personal Loan Calculator work? The personal loan calculator estimates your repayments based on the loan amount, interest rate, loan term and repayment frequency you enter. You can also see how making extra repayments may reduce the time it takes to repay your loan and the total interest you could pay over the life of the loan. Can I compare different loan types? Yes. The calculator can estimate repayments for several loan types, including personal loans, car loans, debt consolidation loans and equipment finance. Adjust the loan amount, interest rate, loan term and repayment frequency to compare different borrowing scenarios and understand how they may affect your budget. How accurate are the Personal Loan Calculator results? The calculator provides an estimate only and should be used as a guide. Actual repayments, interest rates, fees and loan terms may vary between lenders, so the results are not a quote, loan offer or pre-approval. They are designed to help you plan before borrowing. How do I know if I can comfortably afford a personal loan? A personal loan is generally affordable if the repayments comfortably fit within your budget after covering your regular bills and living expenses. The calculator estimates your repayments, while MyBudget can help you understand how they fit into a personalised budget and a clear 12-month financial plan. Can MyBudget help me manage personal loan repayments? Yes. While MyBudget New Zealand doesn’t provide personal loans, we help Kiwis manage their money with personalised budgeting support, bill management and a clear 12-month financial plan. This makes it easier to stay on top... - Published: 2026-07-15 - Modified: 2026-07-15 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-app/ Budgeting App With 12-Month Planning | MyBudget NZ MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeBudgeting App A Budgeting App That Helps You See 12 Months Ahead Get 24/7 access to your personalised budget, stay on top of bills, debt and savings with caring Money Coaches by your side. Book Your Free Appointment Free appointment | No long-term, lock-in contracts Helping 130,000+ people build a better financial future for over 25 years Why Thousands Trust The MyBudget App Manage your money with confidence using smart budgeting technology backed by caring Money Coaches who help keep your budget on track. Flexible Budgeting Life changes. Your personalised budget can change too, helping you manage unexpected expenses while staying on track towards your goals.Adjust your budget as life changesStay on top of unexpected expensesStay on track towards your financial goalsSee How It Works MyBudget has transformed the way we manage money.Michelle & Phil | MyBudget clients See Your Financial Future Before It Happens Know what’s coming before it arrives. Your personalised 12-month budget shows projected balances, upcoming bills and future cash flow, helping you make confident decisions today.See your budget 12 months aheadView future account balancesKnow what’s safe to spendBook Your Free Appointment We used to struggle with spreadsheets and endless calculations.Megan & Creagh | MyBudget clients Everything You Need In One Budgeting App Your budget, bills, savings and spending are all in one place, making it easier to stay organised and in control.See your personalised budget at a glanceStay on top of upcoming billsInstantly know what’s safe to spendBook Your Free Appointment I love getting on the app and looking 12 months ahead. It’s amazing to see we’re not in the red anymore.Kim & Bob | MyBudget clients Budgeting technology backed by real people Unlike DIY budgeting apps, MyBudget combines smart technology with caring Money Coaches who help you stay on track.Snap and upload bills directly in the appWe’ll manage your budget and pay your billsMessage your Money Coach whenever you need supportBook Your Free Appointment MyBudget App vs DIY Budgeting Apps Managing your money shouldn’t mean doing it alone. Unlike DIY budgeting apps, MyBudget combines smart tech with caring Money Coaches who help you stay on track, adapt your budget as life changes and plan confidently 12 months ahead. MyBudgetDIY budgeting apps✓ Personalised 12-month budgetUsually track spending only✓ Caring Money CoachNo human support✓ Bills managed for youYou manage everything yourself✓ Personalised budgeting planGeneric templates✓ Ongoing support as life changesSelf-managedBook Your Free Appointment Budgeting App FAQs Can’t find... - Published: 2026-07-01 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/debt-help/ Debt Help & Debt Relief Solutions New Zealand | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeDebt Help Debt Help to Get Back on Track Personalised debt relief solutions to help you reduce debt faster, stay on top of repayments and achieve your financial goals. Book Your Free Appointment Free appointment | No long-term, lock-in contracts Kim & Bob | MyBudget clients Affordable Debt Solutions There are many reasons people fall into debt, and there are just as many ways to get back on track. That’s why every debt management plan and personal budget is tailored to your income, expenses, financial goals and long-term future. Creditor negotiation Expert help to negotiate with creditors for reduced repayments or waived interest. Improved credit score Support to manage your repayments consistently, which may help improve your credit score over time. Credit card debt help Strategies to reduce high-interest credit card debt and regain financial stability. Book Your Free Appointment Watch their story " There's no judgement. These guys are so helpful and understanding. " Megan & Creagh | MyBudget clients Megan & Creagh paid off 5 credit cards in 10 months MyBudget’s personalised budget and debt management plan helped Megan and Creagh pay off $91,000 in debt and map out their income and expenses for the next 12 months.They received:A personalised debt management plan to pay off debt fasterAutomated payments to keep bills paid on timeRepayment strategies to reduce interest over timeEnquire now$91000 Paid off $2000000+ Saved for clients in interest & fees in 2025 Pay Off Debt and Save Money Debt can feel overwhelming, but with the right budget and support you can reduce what you owe without relying on new loans or more credit. Find the right debt solution We create a personalised debt management plan and budget that helps you redirect more of your money towards paying off debt. Watch your savings grow Build an emergency buffer, grow your savings and plan your future, all while paying off debt. Get peace of mind Move forward with confidence knowing you have a team of experts beside you supporting every step toward achieving your financial goals. Book Your Free Appointment Debt solutions FAQs Can’t find what you’re looking for?See more FAQs… What debt services and solutions does MyBudget offer? MyBudget provides personalised debt management plans, budgeting support and creditor negotiation to help you reduce debt and regain control of your finances. Your Money Coach creates a realistic budget, prioritises repayments, works with creditors where appropriate and... - Published: 2026-06-30 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/cost-of-living-support/ Cost of Living Support in New Zealand | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeCost of Living Support Cost of Living Relief & Support Cost of living pressures are affecting households across New Zealand. Take control with a personalised budget plan. Book Your Free Appointment Free appointment | No long-term, lock-in contracts   Watch their story " MyBudget helped us pay off five credit cards and start saving for a home " Megan & Creagh | MyBudget Clients A personalised budget for today's cost of living Your budget should work for the way you live. Here’s how MyBudget helps you stay on top of bills, manage rising expenses and build a stronger financial future. Streamlining your bills We organise your household bills into one clear budget and make sure payments are made on time. No more juggling due dates, missing payments or late fees. Getting back on the right track If rising living costs are making it harder to stay on top of your finances, we can work with your creditors to arrange manageable payment plans and ease the pressure. Smarter savings We'll help you identify areas where you can save without sacrificing your lifestyle. Small changes across can free up cash flow and help you start building savings again. Book Your Free Appointment Erin & Adam | MyBudget clients Managing Rising Cost of Living Even with a steady income, it can be hard to stay on top of your finances. Rising living costs can lead to:Relying on credit cards or BNPLFalling behind on household billsUsing savings to cover everyday expensesIncreased financial stressWe’re here to help you get back on track.Book Your Free Appointment Megan & Creagh | MyBudget clients The Benefits Are Real Everyone’s financial situation is different, but here’s what many MyBudget clients achieve with a personalised budget plan. Reduce financial stressEnd reliance on creditBills paid on timeBuild your savingsStart Your Budget Plan Ready to get ahead of rising living costs? Book NowFor your free, no-obligation budgeting appointment. Cost of Living Relief FAQs Can’t find what you’re looking for?See more FAQs… How does MyBudget help with rising living costs? We take a good hard look at your whole financial situation and create a budget that puts the essentials first. This means your bills, groceries and housing costs get covered while you reduce unnecessary spending. We’ll walk you through our process once you get in contact. What if my income hasn't gone up but my expenses have? That’s a pretty common problem.... - Published: 2026-06-30 - Modified: 2026-07-13 - URL: https://mybudgetnz.kwp.digital/buy-now-pay-later-financial-support/ Buy Now Pay Later Debt Help NZ | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeBNPL Stop relying on Buy Now Pay Later Feeling stuck and relying on Buy Now Pay Later just to get by? We help New Zealanders break the cycle with a personalised budget and practical solutions that put you back in control of your money. Book Your Free Appointment Free appointment | No long-term, lock-in contracts   Watch their story " MyBudget helped us pay off five credit cards and start saving for a home. " Megan & Creagh | MyBudget Clients In an MBIE survey of 1,781 New Zealand Buy Now Pay Later users, 78% said they used BNPL because they couldn’t afford the full purchase price upfront.Ministry of Business, Innovation and Employment (MBIE) Escape the Buy Now Pay Later Trap Buy Now Pay Later services like Afterpay, Zip, Klarna and humm can make it easier to buy something today and pay it off over time. But when repayments start overlapping, it can become difficult to keep up with multiple payment dates, automatic deductions and late fees. MyBudget helps New Zealanders create a realistic budget that works with their income, so they can reduce their reliance on Buy Now Pay Later and get back in control. A budget that actually works We'll create a personalised budget based on your income, bills and everyday expenses, making sure your Buy Now Pay Later repayments are factored in without relying on more credit. Support when you need it If you're feeling overwhelmed or have fallen behind on repayments, we'll work with you to find a practical way forward. We can even speak with your Buy Now Pay Later providers on your behalf where appropriate. Break the cycle We'll help you reduce your reliance on Buy Now Pay Later over time by building healthier money habits, staying on top of repayments and creating more breathing room in your budget. Start Your Budget Today See the benefits Everyone’s financial situation is different, but here’s what many MyBudget clients achieve with a personalised budget:Take control of your household financesReduce your reliance on Buy Now Pay LaterStay on top of your repayments and billsCreate more breathing room in your budgetFeel more confident about your financial futureBook Your Free Apppointment Buy Now Pay Later FAQs Can’t find what you’re looking for? See more FAQs… How can MyBudget help me reduce my Buy Now Pay Later debt? We’ll create a personalised budget that includes your Buy Now Pay... - Published: 2026-06-30 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-and-financial-goals-secrets/ Budgeting Webinar: Achieve Your Financial Goals | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeBudgeting & financial goals Budgeting and Financial Goals Learn how to build a budget, save money and achieve your financial goals in this free webinar with Tammy Barton. Watch Webinar Three Simple Steps to Build a Successful Budget Set your financial goals Create realistic short and long-term financial goals and learn how to stay motivated. Create a budget Build a flexible household budget that helps you manage bills, reduce debt and save. Budget for fun! Plan for holidays and the things you love while staying on track financially. Book Your Free Appointment Helping 130,000+ people build a better financial future for over 25 years How To Set Up a Budget Creating a budget starts with understanding where your money goes. List your income, expenses and savings goals, then build a realistic plan you can stick to. In this free webinar, Tammy Barton shares practical steps to help you succeed. Play video Discover practical budgeting tips from Tammy Barton to help you build a budget, manage debt, save money and take control of your financial future. Ready to take control of your finances?  Enquire onlineFor your free, no-obligation budgeting appointment. Budgeting & Financial Goals FAQs Can’t find what you’re looking for?See more FAQs… How do I start budgeting? To start budgeting, calculate your income, list your regular expenses and create a realistic plan for how you’ll spend and save your money each month. Include essentials like housing, groceries, utilities and transport, then set aside money for savings and unexpected costs. Review your budget regularly and adjust it as your income, expenses or financial goals change. What are realistic financial goals? Realistic financial goals are achievable money goals based on your income, expenses and personal priorities. Short-term goals might include building an emergency fund or paying off debt, while long-term goals could include saving for a home, retirement or a major purchase. Breaking larger goals into smaller milestones can help you stay motivated and measure your progress.  Can budgeting help me save money? Yes. Budgeting helps you save money by showing exactly where your income is going and identifying opportunities to reduce unnecessary spending. A well-planned budget helps you prioritise essential expenses, build savings and prepare for unexpected costs without relying on credit. Even small changes can make a meaningful difference over time. Is the budgeting webinar free? Yes. MyBudget’s budgeting and financial goals webinar is completely free to watch. Hosted by... - Published: 2026-05-04 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/ Money Hub: Articles, Podcasts & Free Tools | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeMoney Hub Money Hub Practical tips, interesting articles, useful money tools, and inspiring success stories. Articles MyBudget TV Podcasts Money Tools ArticlesSee all Your 2026 financial checklist for long-term success Tammy's Thoughts 6 min read ResourcesSee allFree Money ToolsSee all MyMoneyMyStoryPodcast Listen now Money tips straight to your inbox Name(Required)Email(Required) Subscribe today Book your FREE appointment today Are you ready to live life free from money worries? Initial 10-minute chat Private & confidential No long-term, lock-in contracts. PhoneThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Country(Required)New ZealandSelect a callback time(Required)Select a callback time10:0010:3011:0011:3012:0012:3013:0013:3014:0014:3015:0015:3016:0016:3017:0017:3018:0018:3019:0019:3020:0020:3021:0021:30SMS Opt In I agree that MyBudget can send me updates and promotional offers via SMS.Consent I agree that MyBudget can send me helpful budgeting tips and promotional offers via email. Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. MyBudget NZ About Us Frequently Asked Questions Careers Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast Savings Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates 10 Steps to Get Out of Debt Get a Better Deal Checklist Goal Setting Template Personal Budget Template Clients Complaints, Feedback & Support © 2026 © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 Privacy Policy Sitemap A KWP+Partners Production Privacy Policy Sitemap The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 - Published: 2026-03-13 - Modified: 2026-05-07 - URL: https://nz.mybudget.com.au/budgeting-help-v2/ Personal Budgeting Plans to Maximise Your Money | MyBudget MyBudget Enquire now 1300 300 922 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Client Log in Enquire now 1300 300 922 Search here... Search HomeBudgeting Help V2 Take Control of Your Money With a Personal Budget If you’re overwhelmed, the right structure can change everything. Our personalised budget plan gives you 12-month visibility, real clarity, control and a clear path forward. Pay your bills on time and stay in control Reduce debt with a clear, structured plan Build savings and achieve your financial goals faster Start your journey with a no-obligation chat with our team. CompanyThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Consent I do not want to receive free budgeting and money tips Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Erin & Adam | MyBudget clients Budgeting support to help you take control When you budget with us, your income and expenses are planned up to 12-months ahead. We provide structure and support so that your bills are paid on time, your debt is reducing and your savings are growing. Build a personal budget We help you create a realistic plan that supports your lifestyle and your financial goals, paying off debt, saving for the future, and enjoying the life you want. Automate bills & savings We automate your bills and savings so your budget runs smoothly in the background, freeing up your time so you can stop worrying about money and start living. Support when you need it You’re never on your own. Our caring money experts help you stay on track and keep moving toward financial freedom. Support is always just a call away. Watch their story " We saw where our money was going and got a plan for the future " Erin & Adam | MyBudget clients Why is budgeting important? A budget shows you where your money is going, what your commitments are and how close you are to achieving your financial goals.What are the benefits of having a budget?Track spending to stay within your meansReduce stress by planning for bills and unexpected costsPay off debt, grow savings and plan confidently.With the right visibilty, structure and support, see how your financial situation can improve with MyBudget.130000+ People helped 25+ Years of service Tara & Tammy | MyBudget team members How much does MyBudget cost? At MyBudget, it’s not a one-size fits all approach. Your 12-month budget is tailor made for you. Fees are transparent. They’re dependent on the complexity of your financial situation and based... - Published: 2025-12-22 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/contact-us/ Contact MyBudget NZ | Budgeting Help & Debt Help MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeContact Us We’d Love to Hear From You! Tara | MyBudget team member Get In Touch Enquire Online09 849 6285 New enquiriesMonday – Thursday 10:00am – 10:00pm (NZST)Friday 10:00am – 8:30pm (NZST)Saturday 10:30am – 7:00pm (NZST)Sunday 11:30am – 7:30pm (NZST)Ph: 09 849 6285Opening hours may vary on public holidays.Client servicesMonday – Friday9:30am – 8:30pm (NZST)Ph: 09 849 6285 Media & Partnerships [email protected] Careers Working at MyBudget Book your FREE appointment today Are you ready to live life free from money worries? Initial 10-minute chat Private & confidential No long-term, lock-in contracts. URLThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Country(Required)New ZealandSMS Opt In I agree that MyBudget can send me updates and promotional offers via SMS.Consent I agree that MyBudget can send me helpful budgeting tips and promotional offers via email. Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. MyBudget NZ About Us Frequently Asked Questions Careers Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast Savings Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates 10 Steps to Get Out of Debt Get a Better Deal Checklist Goal Setting Template Personal Budget Template Clients Complaints, Feedback & Support © 2026 © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 Privacy Policy Sitemap A KWP+Partners Production Privacy Policy Sitemap The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 - Published: 2025-12-16 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/privacy-policy/ Our privacy commitment MyBudget is committed to protecting your privacy. We adhere to this privacy policy to keep your personal information secure and confidential. We are bound by the Privacy Act 2020 (NZ) (Privacy Act) and other legislation surrounding the collection, holding use and disclosure of your personal information. Personal information is information about an identifiable individual (a natural person). This privacy policy deals with the personal information of our clients and prospective clients, and of service providers, creditors and other third parties. This privacy policy outlines the personal information we may collect from you, as well as how and why we collect it. It also shows how we keep this information secure and how we may use and disclose it. The privacy policy applies to all of your dealings and interactions with us – in person, online, over the phone, or by post. References to ‘we’, ‘us’ or ‘MyBudget’ in this document refer to MyBudget New Zealand Ltd. For information on how to contact MyBudget, please see ‘Contacting us’ below.   Updates to our privacy policy We may update this privacy policy by uploading the update policy to our website www. mybudget. co. nz. The updated privacy policy will apply from the date that it is available from our website. You can contact a MyBudget representative for a current policy, using the contact details above. Alternatively, please check our website.   How we collect information We collect your personal information directly from you, when you: Provide us with information by phone or video conference; Interact with us via email, the internet, our web-chat services or a mobile app; Request to receive the services offered and provided by us; Submit an enquiry, complaint or feedback to us, including via our website; Create a client login on our website; Attend a face-to-face interview or appointment with us; Provide us with information through a data collection form, including on our website; Submit documentation and forms to us; Apply for a contractor or employment position with us; Where you otherwise submit personal information about yourself, or someone else, to us, or our website. We may also collect personal information about you indirectly, but only where permitted by law including where you give us consent to do so or where that would not prejudice your interests. If you are a MyBudget client we collect personal information about you indirectly from your creditors and service providers, for any of the following purposes: To support us to negotiate, review, vary, or administer payment agreements and arrangements. To confirm account details, balances, payment amounts, interest, fees, or arrears. To receive confirmation of whether proposed payment arrangements have been accepted, rejected, or implemented. To administer your Budget Plan and to manage and make payments on your behalf. To assist us in administering your Budget Plan, managing payments, and communicating with you about your financial commitments. Where you are a creditor or service provider, and a client provides us with your details for the purposes above. In addition, if you are a MyBudget client we may collect personal information about you indirectly for the purpose of complying with our obligations under anti-money laundering law including to verify documents and information you provide. We may collect that information from government agencies and service providers. If someone other than you provides us with personal information about you that we did not ask for, or you provide us with unsolicited personal information, we will only hold, use or disclose this information if we determine that we could have collected this information from you had we asked for it. In this circumstance, we will take all reasonable steps to notify you of the collection of that information. If we could not have collected this personal information, we will lawfully de-identify or destroy that personal information. Where you decline to provide us with personal information or refuse us authorisation to collect information from a third party, this may affect our actions in setting up and managing your budget or creditor payment arrangements, or otherwise providing you with our services, and your level of service may be diminished or we may not be able to provide our services at all. You may choose to contact us anonymously or using a pseudonym where it is lawful and practicable to do so, for example, if you telephone us requesting our postal address. You will also be able to use our public website anonymously. However, if you do not identify yourself, we will only be able to give you general information and we may not be able to provide the full services you need. Please note that all calls between clients and us or our contact centre are monitored and recorded for our records, as well as for training, coaching, evaluation and quality purposes. We also collect audio-visual recordings of all budget consultation appointments for these purposes.   What kind of information we collect We collect only relevant information about you that is needed to establish and maintain your account and services, or as otherwise necessary to conduct our business, as the law allows and/or requires us to collect. We may collect personal and financial information about you that is not publicly available and information that you otherwise submit to us, including via our website www. mybudget. co. nz, to our staff or via forms that you provide to us. The information we collect varies depending on the accounts and services you request or use. We are likely to collect personal information, such as your contact details and other identifying information, necessary for our business dealings with you. We may also collect the following personal information from you: your name and date of birth; your email address, postal/residential address, telephone number; how you heard about MyBudget; your NZ residency status, for example, citizen, permanent resident, working visa, student visa; identity documentation, such as a copy of your driver’s licence, for identity verification purposes, for the purpose of complying with our obligations under Anti-Money Laundering and Countering Financing of Terrorism Act 2009; your current financial status, credit history; your relationship status and how many dependants you have; your employment status, employer and other such information; financial information, including details about your income (including employment contracts or pay slips), expenditure (including bank statements, bills and mortgage or rental payments), debts, credit limits and your balances owing for credit products, bank accounts and payment details and any powers of attorney provided; with respect to your creditors, balances outstanding, payment status, arrears details, fees, interest, and penalties. information relating to your financial goals and concerns. Please be advised that if you provide inaccurate or incomplete information, we may not be able to provide you with the products or services you are seeking.   How we may use personal information - General We will only use your personal information for the purposes for which it was given to us, or for purposes that are directly related to the provision of our services. Your personal information may be used by us for a number of purposes, including: To assist you in conveniently and easily accessing the services that we offer and provide, including locating your closest physical MyBudget office and offering appointments with us; To be able to improve the services we offer, including providing staff with feedback and training; For internal record-keeping in relation to the service we provide to you; For marketing research purposes; To periodically send surveys and communications about our services or other information which we consider that you may find interesting; To manage and resolve any complaints and to otherwise defend, protect and/or enforce our legal rights and interests; If you are a creditor, to contact you to obtain credit information in relation to our clients; and If you are a contractor or job applicant, to assess your application to work with us For any other purpose authorised by you or the Privacy Act.   How we may collect and use personal information - where you are a client or a prospective client We need to collect certain personal information so that we can identify and contact you appropriately. We will use your personal information to assess your suitability for the services we provide, potentially conduct appointments with you and provide you with any further relevant services (which may include a budget plan). In addition to the potential uses noted above (under “How we may use personal information – General”), if you are a client or potential client the information you provide to us, or which we otherwise collect about you, will be used for the following purposes: Primarily to provide our services to you including to set up and manage your account and deal with lenders and other creditors on your behalf. To tailor your budget to your needs, make arrangements with creditors, and provide you with the service you require. To comply with our obligations under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and to comply with (and to exercise our rights under) the... - Published: 2025-12-11 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/about-us/ About Us | MyBudget NZ MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeAbout Us Making a difference since 1999 MyBudget’s mission is to eliminate financial stress in the community and improve the financial health of the world. Elliott, Tammy & Vanessa | MyBudget team members 280+ Team members 1000000000+ Managed salaries 4800000+ Transactions processed yearly MyBudget is an award winning personal budgeting company dedicated to freeing people from their money worries Tammy Barton | MyBudget Founder & Director Our Story Founder and Director Tammy Barton started MyBudget in 1999 after seeing first-hand how financial stress affected people’s lives, relationships and families. She believed there had to be a better way.Today, MyBudget gives people more than a budget. With a personalised 12-month financial plan, dedicated Money Coaches and managed bill payments, we help people pay off debt, build savings and take control of their money with confidence.“Money is inter-connected with almost all parts of our life. Which is why the way we manage our money has such a big impact on the way our life turns out.” Our Core Values Our values are the foundation of every decision we make. They aren’t just posters on the wall, they are the “how” behind what we do. We care We support our client compassionately and authentically, without judgment. We make a difference We deliver tailored-solutions that truly enhance our clients’ lives. Financial responsibility Our clients are at the heart of everything we do. We provide solutions that meet their financial goals and needs. Meet Our Team Our Vision Our purpose MyBudget’s purpose is to help people live a life free from money worries. We work with clients in a confidential, respectful and caring way to help them fast-track their financial goals. Our community We’re passionate about improving financial health in the community. Be it championing financial literacy for children or by the development of client support and advocacy programs. Stronger together Our diversity and inclusion ambassadors include employees from our global offices across the UK, Sri Lanka, Australia and the Philippines. We deliver projects and initiatives that support our 280+ strong team to thrive. Money tips straight to your inbox Name(Required)Email(Required) Subscribe today MyBudget NZ About Us Frequently Asked Questions Careers Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast Savings Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates 10 Steps to Get Out of Debt Get a Better Deal Checklist Goal Setting Template Personal Budget Template Clients Complaints, Feedback & Support... - Published: 2025-12-10 - Modified: 2026-07-15 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/savings-calculator/ Savings Calculator | MyBudget New Zealand MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeSavings Calculator Savings Calculator Plan your savings with confidence. Use our free Savings Calculator to estimate how long it could take to reach your goal. Start Calculating Calculate Your Savings Estimate how your savings could grow based on your starting balance, regular deposits and interest earned. Kim & Bob | MyBudget clients Turn Your Savings Goal into a Plan A Savings Calculator can show what’s possible. MyBudget helps you create a personalised budget and 12-month financial plan that makes saving easier. Whether you’re building an emergency fund, saving for a holiday or planning for a house deposit, our experienced Money Coaches help you stay on track. Book Your Free Appointment Helping 130,000+ people build a better financial future for over 25 years Savings Calculator FAQs Can’t find what you’re looking for?See more FAQs… How does the Savings Calculator work? The MyBudget Savings Calculator estimates how long it could take to reach your savings goal based on how much you save and any interest earned. Simply enter your savings target, starting balance, regular contributions and interest rate to see an estimated timeline. It provides a helpful guide, while MyBudget can create a personalised budget and savings plan tailored to your circumstances. Does the Savings Calculator include interest? Yes. The Savings Calculator lets you include an estimated interest rate so you can see how interest may help your savings grow over time. The results are estimates only and are designed to help you plan your savings goals. Actual returns will depend on the interest rate offered by your financial institution and your account conditions.Yes. Interest is calculated daily and added to your savings balance monthly. This means you earn interest on both your initial deposit and any interest already earned, known as compound interest. Can I add extra deposits in the Savings Calculator to see how they affect my savings? Yes. You can adjust your regular savings amount or add extra deposits to see how increasing your contributions may help you reach your savings goal sooner. The calculator lets you compare different savings scenarios, making it easier to find an approach that suits your budget and financial goals. How accurate are the Savings Calculator results? The Savings Calculator provides an estimate based on the information you enter, including your savings goal, regular contributions and interest rate. Actual results may vary depending on changes to your income, spending, interest rates or savings habits. For a... - Published: 2025-12-10 - Modified: 2026-07-15 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/home-loan-repayment-calculator/ Home Loan Repayment Calculator | MyBudget New Zealand MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeHome Loan Repayment Calculator Home Loan Repayment Calculator Estimate your home loan repayments, compare loan scenarios and see how extra repayments could pay off your loan sooner. Start Calculating Calculate Your Home Loan Repayments Enter your loan amount, interest rate and loan term to estimate your regular repayments, compare different scenarios and see how extra repayments could reduce the total cost of your home loan. Helping 130,000+ people build a better financial future for over 25 years Kim & Bob | MyBudget clients Pay Off Your Home Loan Faster MyBudget helps you manage your mortgage, bills and savings with a personalised budget.With MyBudget you can:See 12 months ahead with confidenceMake extra home loan repaymentsPay bills on time with confidenceBuild savings while reducing debtStay on track with your Money CoachBook Your Free Appointment Home Loan Repayment Calculator FAQs Can’t find what you’re looking for?See more FAQs… How does the Home Loan Repayment Calculator work? The Home Loan Repayment Calculator estimates your repayments based on the loan amount, interest rate, loan term and repayment frequency you enter. It also lets you compare different repayment scenarios, helping you understand how changes to your home loan may affect your regular repayments and the total interest paid over the life of the loan. Can I see how extra repayments affect my home loan? Yes. The calculator estimates how making extra repayments could reduce the total interest you pay and help you repay your home loan sooner. You can compare different repayment amounts to see how even small additional payments may shorten your loan term. How accurate are the Home Loan Repayment Calculator results? The calculator provides estimates only and should be used as a guide. Actual repayments may vary depending on your New Zealand lender’s interest calculations, fees, loan features and lending criteria. Always confirm repayment amounts with your lender before making financial decisions. Can I compare different home loan options? Yes. You can change the loan amount, interest rate, loan term and repayment frequency to compare different home loan scenarios. This helps you understand how different borrowing options may affect your repayments and the overall cost of your loan. What should I do after using the Home Loan Repayment Calculator? Once you’ve estimated your repayments, the next step is making sure they fit comfortably within your budget. MyBudget can help you create a personalised budget that balances your home loan, bills, savings and everyday... - Published: 2025-12-10 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/income-tax-calculator/ Income Tax Calculator | MyBudget New Zealand MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeIncome Tax Calculator Income Tax Calculator Estimate your New Zealand income tax and see your take-home pay before and after tax. Calculate your annual, monthly, fortnightly or weekly income in seconds. Start Calculating Calculate Your New Zealand Income Tax Use our free Income Tax Calculator to estimate your gross income, income tax and take-home pay. Simply enter your income, choose how often you’re paid and select whether you’re entering your gross or net income. Kim & Bob | MyBudget clients Understand Your Income and Plan Ahead Knowing how much income you receive after tax makes it easier to plan your bills, everyday expenses, debt repayments and savings goals.An income tax calculator is a great starting point, but it only tells part of the story. MyBudget goes further by creating a personalised budget with a clear 12-month financial projection, so you can see what’s ahead and stay in control of your money.With the support of caring Money Coaches, you can pay bills on time, reduce debt and build savings with confidence.Book Your Free Appointment Helping 130,000+ people build a better financial future for over 25 years Income Tax Calculator FAQs Can’t find what you’re looking for?See more FAQs… How does the New Zealand Income Tax Calculator work? The MyBudget Income Tax Calculator estimates your New Zealand income tax and take-home pay based on the income details you enter. Simply enter your gross or net income, choose how often you’re paid, and the calculator estimates your gross income, income tax and net income annually, monthly, fortnightly and weekly to help you better understand your earnings. What is the difference between gross income and net income? Gross income is the amount you earn before New Zealand income tax is deducted, while net income is the amount you receive after tax. Understanding the difference helps New Zealanders see how much money is available for everyday expenses, bills, debt repayments and savings, making it easier to build and manage a realistic budget. Why is my take-home pay different from the calculator result? The Income Tax Calculator provides an estimate, so your actual take-home pay may be different. Your final pay can vary depending on your tax code, KiwiSaver contributions, student loan repayments, ACC earners’ levy and other payroll deductions. Use the calculator as a guide rather than an exact payroll calculation. Does the Income Tax Calculator include KiwiSaver and student loan deductions? The Income Tax Calculator... - Published: 2025-12-10 - Modified: 2026-07-13 - URL: https://mybudgetnz.kwp.digital/complaints/ Information for clients who have a concern or need additional support At MyBudget, we aim to provide you with exceptional service every time. We understand that, occasionally, things may not go as planned. When this happens, we're committed to addressing your concerns promptly, fairly and effectively. We also want to recognise when we've delivered great service, so we welcome your positive feedback too. Our commitment to resolving complaints goes beyond addressing the immediate issue. We use your feedback to continuously improve our services and help prevent similar issues from occurring in the future. Your satisfaction is important to us, and we're committed to working with you to achieve a fair outcome. If you're ever dissatisfied with our services, we encourage you to let us know. We view complaints as valuable feedback that helps us improve and gives us the opportunity to make things right. Our team is committed to supporting you throughout the complaints process. If you require additional assistance or have specific needs, please let us know and we'll do our best to accommodate you. When you raise a complaint with us, you can expect your concerns to be treated with respect, fairness and careful consideration. We will work with you to understand the issue and seek a fair and reasonable resolution. Our Commitment to Client Resolutions When you make a complaint to us, we will: Acknowledge that we've received your complaint. Work with you to resolve your complaint as quickly as possible. Keep you informed of the progress of our investigation. Provide you with our final response within 30 days, or sooner where possible, and in accordance with applicable legal requirements. Resolving complaints: We aim to resolve most complaints within five working days. More complex matters may require additional time. When investigating your concerns, we will act fairly, reasonably and ethically. Our review may consider the services we've provided, the information you've supplied and the terms of your MyBudget Agreement. To help us investigate your complaint, we may ask you to provide additional information or documentation. Making a Complaint You can raise a concern or make a complaint by: Calling us on 09 849 6285. Sending us a secure web message through the MyBudget App If you are unable to send us a secure web message, you can also email us at clientresolutions@mybudget. co. nz. To help us resolve your complaint as quickly as possible, please include: details of the issue or experience that gave rise to your complaint; the outcome or resolution you are seeking; and any relevant documents or supporting information. If you remain dissatisfied If you're not satisfied with our final response or the way we've handled your complaint, you may refer your complaint to the Insurance & Financial Services Ombudsman Scheme (IFSO). Insurance & Financial Services Ombudsman Scheme (IFSO) PO Box 10-845 Wellington 6143 New Zealand Email: info@ifso. nz Phone: 0800 888 202 Website: www. ifso. nz The IFSO Scheme is an independent and free external dispute resolution service that may be able to review your complaint if it falls within its jurisdiction. - Published: 2025-12-09 - Modified: 2026-07-13 - URL: https://mybudgetnz.kwp.digital/faqs/ MyBudget FAQs | Budgeting Support & Debt Help New Zealand MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeFrequently Asked Questions Frequently Asked Questions Get quick answers about how MyBudget works, from budgeting support to debt debt help. Can’t find what you need? Our friendly team is here to assist you. Contact Us All FAQs Budgeting Debt Credit cards Savings Goal setting Family budgeting Future planning Christmas Money calculators, tools & resources Budgeting app Mortgages & home loans Client FAQs MyBudget careers Why choose MyBudget instead of managing my savings on my own? MyBudget provides more than a budget template or savings tracker. You’ll receive a personalised budget, ongoing support from a dedicated Money Coach and up to 12 months’ visibility of your finances. By helping you stay organised, pay bills on time and save consistently, MyBudget makes it easier to achieve your financial goals with confidence. Can MyBudget help me save for a house deposit, holiday or emergency fund? Yes. Whether you’re saving for a house deposit, holiday, emergency fund or another financial goal, MyBudget creates a personalised savings plan that fits your lifestyle. Your budget is tailored to your priorities, helping you save consistently while staying on top of everyday bills and expenses. Can MyBudget help if I have multiple debts? Yes. MyBudget can help if you’re managing multiple debts, including credit cards, personal loans, Buy Now Pay Later accounts and overdue household bills. Your Money Coach will create a personalised debt management plan that prioritises repayments, fits your budget and helps you reduce debt in a structured, manageable way without adding more financial stress. Why choose MyBudget instead of budgeting on your own? While budgeting on your own can work for some people, many find it difficult to stay consistent. MyBudget combines a personalised budget, 12-month financial planning and ongoing support from caring Money Coaches to help you stick to your plan. Instead of simply tracking your spending, we help you stay accountable, adapt your budget as life changes and keep moving towards your financial goals. How can MyBudget help me stay on top of my bills? MyBudget helps you stay on top of your bills by planning your income and expenses up to 12 months ahead. Your personalised budget is designed so money is available when bills are due, reducing financial stress and helping you avoid missed payments. With ongoing support from your Money Coach, you can confidently manage changes and stay in control of your money. How does a personalised budget... - Published: 2025-12-04 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-for-a-baby/ Budgeting For A Baby In NZ | Baby Budget Planner | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeBudgeting for a baby Budgeting For a Baby in New Zealand Costs, savings and planning ahead. MyBudget can help you: Plan for essential baby expenses Extend parental leave with a baby savings plan Reduce money stress and manage bills Book Your Free Appointment Erin & Adam | MyBudget clients Pay Your Bills and Create Savings… Plan ahead Plan your income and expenses 12-months ahead so you know what’s coming and feel confident about growing your family. Build a budget Get a tailored baby-ready budget that supports your lifestyle while helping you prepare for future financial goals. Automated money management Our Money Coaches keep your budget running smoothly, freeing up time so you can stop worrying about bills and focus on your baby. Create a safety net Your plan sets aside emergency funds for unexpected baby and household costs so you can enjoy peace of mind with built in savings. Build a savings plan Free up cash flow with a tailored savings plan that helps you prepare for baby expenses, grow savings and stay financially supported. You don’t have to do it alone Our caring Money Coaches support you at every step, helping you manage money as you prepare for your new arrival. Book Your Free Appointment Free Essential Baby Checklist Designed for Australian parents, it covers all the must-have baby essentials so you can plan and avoid overspending.Covers baby essentials like pram, cot, nappies and clothesHelps you prioritise what you really needSaves time and money by keeping baby expenses on trackDownload Now Erin & Adam | MyBudget clients Costs to Consider When Expecting a Baby Budgeting for a baby means preparing for obvious baby costs and unexpected baby expenses.  Medical costs: doctor visits, ultrasounds, tests, hospital expensesBaby gear: pram, cot, car seat, nappies, clothes and bottlesParental leave: adjust your budget for a drop in incomeChildcare: explore options early and compare costs What Does It Cost to Have a Baby in New Zealand? Babies may be small, but their price tag can be huge! In this video, Tammy Barton, Founder & Director of MyBudget and proud mum of three, shares her personal experience and breaks down the real cost of having a baby in New Zealand. - Published: 2025-12-04 - Modified: 2026-07-15 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/credit-card-debt/ Credit Card Debt Help NZ | Pay Off Debt Faster | MyBudget MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeCredit Card Debt Credit Card Debt Relief Reduce credit card debt faster with personalised budgeting, money management and a 12-month plan that keeps you on track. Book Your Free Appointment Free appointment | No long-term, lock-in contracts   Watch their story " MyBudget helped us pay off five credit cards and start saving for a home. " Megan & Creagh | MyBudget Clients Get Out of The Credit Card Debt Cycle Our personalised budgeting, money management and creditor support help you break the credit card debt cycle so you can pay off debt faster and get back to living your life free from money worries. Personalised budget We create a realistic budget based on your income and expenses to help you reduce your reliance on credit cards and stay in control. Creditor support If you're behind on repayments, we can speak with your creditors to help arrange more affordable payment options and reduce financial stress. Debt solutions We'll help you find the right way to pay off your credit card debt faster without relying on more borrowing. See the benefits See your finances up to 12 months aheadPay off your credit card debt fasterReduce interest and fees where possibleRely less on credit and build better money habitsStart building savings with confidenceBook Your Free Appointment Why Choose MyBudget For Credit Card Debt Help? Paying off credit card debt is easier with the right support. Unlike many debt management services, MyBudget provides personalised money management, ongoing support and a clear 12-month plan to help you reduce debt and stay on track. MyBudgetMany debt management services✓ Personalised 12-month budgetFocus on resolving debt only✓ Caring Money CoachesLimited ongoing support✓ Bills managed for youYou manage your day-to-day finances✓ Personalised debt management planDebt-focused solutions✓ Support as your circumstances changeSupport may end once debt is resolved✓ Helped over 130,000 people for 25+ yearsServices and experience varyBook Your Free Appointment Credit card debt FAQs Can’t find what you’re looking for?See more FAQs… How can MyBudget help me pay off credit card debt faster? MyBudget helps you pay off credit card debt faster by creating a personalised repayment plan that combines your bills, lifestyle costs, and debt obligations in one secure place. This tailored strategy ensures your income is correctly allocated, allowing you to systematically reduce debt without relying on credit cards again. By using our managed services, you can stop creditor calls, manage family... - Published: 2025-12-04 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/careers/ MyBudget Careers | Make A Difference Every Day MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeCareers Be Part of Our Dynamic Team We offer a culture of trust, collaboration and excellence where our employees are at the heart of everything we do. See Open Positions Sam, Maddy & Jay | MyBudget team members Tammy Barton | MyBudget Founder & Director Our purpose Tammy Barton founded the business in 1999 with a clear vision to eliminate financial stress in the community and improve the financial health of the world.At MyBudget, everything begins with that purpose. We exist to help people live free from money worries, and every role in the business contributes to that mission. Whether you’re supporting clients directly, designing smarter systems, or analysing data to improve financial outcomes, the work our team does genuinely changes lives. Our Culture & Values We’re a values led company built on care, compassion, and accountability. You’ll be part of a dynamic team that believes financial wellbeing is life-changing, and that great service comes from people who feel supported and inspired. Our culture balances heart and high performance: we strive for excellence, but we look after each other along the way.     Financial responsibility Our clients are at the heart of everything we do. We act in their best interests, providing solutions that appropriately meet their financial goals and needs. We care We respond to our clients’ needs compassionately and authentically, without judgment. We make a difference We deliver tailored-solutions that truly enhance our clients’ lives. Tammy & Vanessa | MyBudget team members Your career grows with us You’ll find growth opportunities everywhere at MyBudget. Through training, coaching, leadership development, and mentorship, we invest deeply in helping every team member reach their full potential.We encourage and celebrate curiosity, continuous improvement, and new ideas because innovation drives our ability to make a difference for more people, in more places. Maddy & Dani | MyBudget team members Your chance to collaborate and create change We’re a business that truly lives its values. Our wellbeing and diversity and inclusion committees are open to all team members, creating spaces where every voice can be heard and every idea can make a difference. With offices in Australia, the Philippines, Sri Lanka, and the UK, we are proud to offer global opportunities to connect which create a close knit, caring culture no matter where in the world you are. Ben & Tristan | MyBudget team members Our benefits At MyBudget, we believe that when... - Published: 2025-12-03 - Modified: 2026-07-15 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/how-it-works/ How MyBudget NZ Works | Personal Budgeting Service MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeHow it works How Does MyBudget Work? See up to 12 months ahead with a personalised budget tailored to your goals. Our caring Money Coaches and powerful budgeting technology help you stay on track with confidence. Book Your Free Appointment Free appointment | No long-term, lock-in contracts. Tammy Barton | MyBudget Founder & Director Why Choose MyBudget NZ? Start with a free, 12-month budget plan Get a customised 12-month budget showing what's possible with your money. It's free, and your budget is yours to keep. Expert money coaches by your side Our expert Money Coaches pay your bills on-time, helps you grow savings and can even speak with creditors on your behalf. Pay off debt while your savings grow Build an emergency fund, grow your savings and plan ahead while paying off debt. Smart tech for visibility & control Track spending, manage bills and see your 12-month projected balances so you always know what's ahead. Simple, tailored fees Fees are tailored to your situation and built into your budget, with no hidden costs or long-term lock-in contracts. Support that grows with you Enjoy a personalised budget, expert support and 24/7 app access to manage money, reduce debt and stay on track. Start Your Free Budget Plan See How MyBudget Works Play video Personal budgeting made simple. MyBudget combines caring Money Coaches with powerful budgeting technology to create a personalised budget that lets you see up to 12 months ahead. Whether you want to stop living pay-to-pay, have bills paid on time, pay off debt, save for a house deposit or build long-term financial security, you’ll have the clarity, confidence and support to stay on track.What Makes MyBudget Different? See up to 12 months aheadUnlike many budgeting tools that only show your current balance, MyBudget gives you a personalised budget with a 12-month financial projection. You’ll be able to see upcoming bills, planned expenses and how today’s decisions can affect your future finances. That visibility helps you plan ahead with confidence, avoid financial surprises and work towards goals like paying off debt, building savings or saving for a house deposit.Support from a real Money CoachYour Money Coach works alongside you to build a realistic budget, keep your bills paid on time and adjust your plan as life changes. You’ll always have expert support when you need it.Built around your goalsEvery budget is tailored to your income, expenses and financial goals. Whether you... - Published: 2025-12-02 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/savings/ Achieve Your Savings Goals Faster | MyBudget New Zealand MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeSavings Savings Plans to Reach Your Goals Save with confidence using a personalised budget for New Zealanders. See 12 months ahead and reach your savings goals. Book Your Free Appointment Free appointment | No long-term, lock-in contracts Watch their story " With MyBudget we saved over $70,000 in under two years. " Adam & Erin | MyBudget clients How To Start Saving with MyBudget Set your savings goals Get clarity on your income, expenses and savings goals with a personalised 12-month plan so you always know what you're working towards. Create a savings plan Your personalised budget includes a savings plan tailored to your lifestyle, helping you save for a holiday, home deposit or emergency fund. Savings are automated We take care of bills and savings for you so your money grows consistently without the stress of managing it yourself. Build a safety net Build your emergency savings while staying on top of everyday bills, giving you greater confidence when unexpected expenses arise. Savings plans for every goal Whether you're saving for a holiday, house deposit or future expenses, we'll help you stay on track. Support when you need it Caring Money Coaches combined with custom tech help you to stay on track. Support is just a phone call away. Book Your Free Appointment More than half of MyBudget clients have built a savings buffer for life’s unexpected expenses. Watch their story " MyBudget has helped us achieve our goals faster than we ever thought possible. " Erin & Adam | MyBudget clients Our Fees Easy & Affordable At MyBudget, fees are simple, transparent and designed to fit your budget. Your first appointment is free, including a personalised 12-month plan you can keep. If you choose to join, fees are tailored to your situation, built into your budget and easy to manage. There are no hidden costs and we only proceed if the plan is affordable for you.Sustainable, tailored feesNo long-term lock in contractsWe only go ahead if it’s affordable for you130000+ People helped 25+ Years of service Use our free Savings Goal Calculator Our free Saving Goal Calculator helps you estimate how long it could take to reach your savings goals. Whether you’re saving for a house deposit, holiday or emergency fund, it’s an easy way to plan your next financial milestone. Calculate how much you need to save for your goalTrack how regular savings build over timeCreate... - Published: 2025-11-27 - Modified: 2026-07-06 - URL: https://mybudgetnz.kwp.digital/feeschedule/ What is the MyBudget fee schedule? Effective 1st July 2026 (all fees are in $NZD and include 15% GST), fees are subject to change. See your Terms of Service or Budget Plan for when these and other fees may apply. We will advise you of fees and if they are applicable at the time you make the relevant request. FEE TYPE Unbudgeted withdrawals FREE Manual transfers outside normal payment runs $23. 00 Arrangements fee (per) $58. 00 - Published: 2025-11-27 - Modified: 2026-04-07 - URL: https://nz.mybudget.com.au/enquire-online/thank-you/ Thank You | MyBudget MyBudget Client Log in 1300 300 922 Search here... Search Toggle menu open Go back How it Works Toggle How it Works submenu open How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Enquire now About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Debt Consolidation Learn how consolidation works & when it may simplify repayments & support your goals. Find out more Lending Solutions Explore loan options that may reduce repayments & improve your financial situation. Find out more Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Client Log in 1300 300 922 Search here... Search HomeEnquire OnlineThank you Thank you for getting in touch One of our caring Money Coaches will talk with you, confidentially about your situation, answer your questions and book your FREE personal budgeting appointment. What happens next? Jonika | MyBudget team member What happens next? Initial 10-minute chat A MyBudget Money Coach will call you to gain an understanding of your position and how we can best help. Meet your Personal Budgeting Specialist One of our highly trained specialists work with you to create a budget plan to fit your lifestyle so you can start achieving your financial goals. Live life free from money worries We do all the heavy lifting for you. We pay your bills, manage your budget for you and can even speak with your creditors. What happens after you contact us? Play video - opens in a lightbox We have been with MyBudget for several years. We have paid off debts, created savings and purchased a home. We have also had numerous great holidays and a quality of life that wouldn’t have happened without the MyBudget forward planning budget. Ali | MyBudget client Previous slide Next slide MyBudget About Us Frequently Asked Questions Careers Bloom Employee Financial Wellness MyHomeBuild MyBudget Loans MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Log In Refer a Friend Unclaimed Funds Client Resolutions and Compliments © 2026 MyBudget Pty Ltd, ACN ‍093 118 597 AFSL and Australian Credit Licence 391759 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. MyBudget Loans Pty Ltd, ACN ‍613 857 104 Australian Credit Licence 492064 MyDebtSolution Pty Ltd, ACN ‍125 292 739 Registered Debt Agreement Administrator No. 1173 - Published: 2025-11-27 - Modified: 2026-07-24 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/social-media-promotions-terms-conditions/ MyBudget 20,000 Follower Giveaway (the “Competition”) Terms & Conditions The promoter of this Competition is MyBudget Pty Ltd ABN 82 093 118 597 of 122 Frome Street, Adelaide SA 5000 (“MyBudget”). The Competition commences at 12:00 pm ACST / 2:30 pm NZST on Friday 24 July 2026 and ends at 8:00 am ACST / 10:30 am NZST on Thursday 30 July 2026 (“Competition Period”). Entry to the Competition is free and open to all residents of Australia and New Zealand aged 18 years and over, who follow the below steps to receive an entry into the Competition (“Entrant”). An Entrant will receive one entry into the Competition when they: Instagram Follow the MyBudget account (@mybudgetau); Like the competition post; and Tag a friend, family member or loved one in the comments of the competition post. Facebook Like the MyBudget account (@MyBudget); Like the competition post; and Tag a friend, family member or loved one in the comments of the competition post. The same individual can enter the competition on both Instagram and Facebook, by following the steps for the applicable platform. The Competition will be drawn on Thursday 30 July 2026 at 12:00 pm ACST / 2:30 pm NZST. MyBudget will draw twenty winners randomly from all entries received. Each prize is a $25 AUD / $25 NZD Prezzee Gift Card, which will be delivered to the winner’s specified phone number and email (“the Prize”) by MyBudget. Where the drawn winner/s is a current MyBudget client, they can, in the alternative, elect to have the Prize paid to their MyBudget account. The total prize pool is valued at $500. The Competition is a game of chance conducted at random. The results of the draw are final and MyBudget will not enter into correspondences regarding the results. The winner will be contacted on the date of the respective draw. The Prize is non-transferable, non-exchangeable and cannot be redeemed for cash. By entering the Competition, Entrants consent to MyBudget using their name on Facebook and Instagram accounts, its websites, and within its electronic direct mail communication pieces. MyBudget reserves the right to reject an entry if it reasonably forms the opinion that it was automated by a computer or was in any way undertaken by a person who did not use a genuine personal social media account on the applicable platform. MyBudget, its related bodies corporate and the suppliers, agencies and other companies involved in this Competition assume no responsibility for any error, omission, interruption, defect, delay in operation or transmission, or loss or damage to data. If the Competition is not capable of running as planned for any reason (including as a result of technical failures, fraud or causes beyond MyBudget’s control), MyBudget may, in its sole discretion, cancel, suspend or change the Competition and re-commence it on similar terms, subject to any directions by regulatory authorities. To the fullest extent permitted by law, MyBudget, its related bodies corporate and their respective officers, directors, employees and agents exclude liability for all loss (including loss of data, unauthorised access to data and consequential loss), damage, expenses, death or personal injury suffered or incurred arising out of, or in connection with, the Competition (including in relation to a Prize winner’s participation in the Competition and use of the Prize). These Terms and Conditions are subject to the applicable Australian State or Territory trade promotion lottery laws and relevant New Zealand laws and regulations (including the Gambling Act 2003). Personal information provided by Entrants will be used by MyBudget for the purpose of conducting the Competition and otherwise in accordance with the Entrants’ consent. MyBudget may disclose Entrants’ personal information to its contractors and agents in relation to the conduct of this Competition. Any use of personal information will be in accordance with applicable privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles for Australian entrants, and the Privacy Act 2020 (NZ) and Information Privacy Principles for New Zealand entrants. This competition is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, Twitter or any other third party, except where explicitly indicated otherwise. Employees of MyBudget are not eligible to participate in or win this giveaway. Entry into the Competition is deemed an acknowledgement and acceptance of these terms and conditions. - Published: 2025-11-26 - Modified: 2026-07-16 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/subscribe/ Subscribe For Expert Budgeting & Money Tips | MyBudget NZ MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeSubscribe Money Tips Straight to Your Inbox Subscribe to our mailing list to receive the latest budgeting and money tips from our team of money experts. Name(Required)Email(Required) Subscribe today Book your FREE appointment today Are you ready to live life free from money worries? Initial 10-minute chat Private & confidential No long-term, lock-in contracts. NameThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Country(Required)New ZealandSMS Opt In I agree that MyBudget can send me updates and promotional offers via SMS.Consent I agree that MyBudget can send me helpful budgeting tips and promotional offers via email. Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. MyBudget NZ About Us Frequently Asked Questions Careers Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast Savings Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates 10 Steps to Get Out of Debt Get a Better Deal Checklist Goal Setting Template Personal Budget Template Clients Complaints, Feedback & Support © 2026 © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 Privacy Policy Sitemap A KWP+Partners Production Privacy Policy Sitemap The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 - Published: 2025-11-04 - Modified: 2025-12-10 - URL: https://nz.mybudget.com.au/sitemap/ PagesFrequently Asked QuestionsHow to setup a budget (SILO)Saving (SILO)Personal Budgeting (SILO)Debt management strategies (SILO)Budgeting AppDebt consolidation videoCareersFIFO BudgetingCredit Card DebtHow it worksLive your lifeMyBudgetLoansDebt ConsolidationDebt SolutionsBloom Employee Financial Wellness – TESTBloom Employee Financial WellnessThank you BloomBloom Employee Financial Wellness – AMESBloom Employee Financial Wellness – CDKBloom Employee Financial Wellness – Peppermint LaneBloom Employee Financial Wellness – United Franchise GroupBloom Employee Financial Wellness – Sunshine Mitre 10Bloom Employee Financial Wellness – SenseiBloom Employee Financial Wellness – RM WilliamsBloom Employee Financial Wellness – MorphettvilleBloom Employee Financial Wellness – Matthews HospitalityBloom Employee Financial Wellness – ITMBloom Employee Financial Wellness – Green by NatureBloom Employee Financial Wellness – Your company templateSubscribeMortgage Stress CheckContact UsSitemapLead Market MBL BookingPBS AppointmentPrepare for your appointmentCredit SenseAppointmentSelf BookingSelf booking errorRefer a Friend ReferralRefer a FriendKYCUnclaimed FundsClient StoriesEnquiry FormThank youArticlesMyMoney MyStoryMyBudget TVResourcesSavingsBudgeting HelpHome PageBudgeting for a babyMyBudget fee scheduleSocial media terms & conditionsPrivacy PolicyArticlesBudget BuysHow to stop subscription creep and save money on streaming and app subscriptionsFather’s Day gift ideas: 25 best gifts for Dad for every budget25 Mother’s Day gift ideas for every budgetNew vs used: is it worth buying a new car? Our complete guideBack-to-school budget tips for Aussie parents: Save on school supplies, uniforms, and tech8 budget-friendly DIY backyard makeover ideasHow to do Valentine’s Day on a budget – 6 cheap Valentine’s Day ideasThe Great Resignation Australia: Can I afford to quit my job? Budgeting TipsBlack Friday sales Australia 2025: bag deals, not debt! How to manage money with ADHD: budgeting for the neurodivergentHow to budget for a baby in Australia: baby costs and money saving tipsAfterpay Day sales: how to save, without blowing your budgetCan I survive as a single parent on one income? How to save money on household bills: latest money saving insights from Tammy BartonSchool holiday survival guide: budget ideas for a fun-filled summerHow much should you budget for a pet? How to budget for private school feesChristmas SavingsThe ultimate guide to Christmas shopping on a budgetAussie Christmas lunch under $100Goal SettingHow to set financial goals you’ll actually achieve: 5 easy stepsMoney ManagementCost of living crisis in Australia: how to make ends meetHow much does MyBudget cost? And why it could be the best financial decision you’ll ever makeRBA cuts interest rates to 4. 10%! What it means for mortgage holdersMoney & Me: how to teach kids about money in AustraliaHow financial hardship affects your credit scoreBudgeting 101: Money management and achieving financial goalsNeed rent relief? How to ask for a rent reduction (and when! )How to avoid paying interest on credit card purchasesHow do couples manage their money? Building joint finances to transform your financial futureOur guide to separating finances before divorce or separationInterest-free finance vs digital lay-by: What’s the difference? The pros and cons of using super to pay off debtMortgages and Home LoansWhat is mortgage stress? Understanding, identifying, and overcoming itPodcastsMr Ordinary’s debt landed him in jail. Here’s how one Aussie rebuilt his life with MyBudget’s helpProperty TalkHow to buy a home in 2025: debunking myths and tips for successGetting a home loan with bad credit: non-conforming loans in AustraliaIs it better to renovate or rebuild? Here are the pros and consSavings TipsFrom clutter to cash: how to host a garage sale that sells itselfMeal planning to save money: the ultimate money saving planHow to save money in Australia: our ultimate savings guideSitting on $7,000? Here’s how to sell your unused items on eBayHow to save for a house deposit in Australia: Your step-by-step guide25 Best side hustles in 2025Saving for your dream holiday: budgeting is keySuccess StoriesHow MyBudget helped Alyssa & Pete take control of their finances and achieve their financial goalsAlternatives to debt consolidation loans: we found a better option for Debbie and AlanHow Bec and Jarrad fast-tracked their financial goals and transformed their financesSingle parent budgeting success: How one mum turned her financial situation aroundTammy's ThoughtsThe voice of MyBudgetTaxYour tax return checklist: what to claim, what to avoid, and how to get it right in 2025Can I claim my mobile phone, laptop, internet or car on tax? What can I claim on my tax return in Australia? | A 2025 guideWhat work-related expenses can I claim on my 2025 tax return? Guides & eBooksTemplatesDebt HelpHow to clean your credit report and repair your credit scoreDoes Afterpay and Buy Now Pay Later affect your credit score? Debt consolidation: is it right for you? What to do when you can’t pay your bills: strategies to take controlAccess pay early apps: How to avoid getting trapped in a cycle of debtMortgage stress in Australia: signs, solutions, and how to stay aheadBankruptcy in Australia: everything you need to know3 debt repayment strategies to get out of debtCareer adviceSmall business tax planning: a checklist of what to do at tax timeHow much does it cost to start up a business in Australia? How to pay yourself as a business owner in AustraliaCredit cardsVisa, Mastercard or Amex: which credit card is the best? The reality of credit card rewards programs: are they worth it? The true cost of making only minimum payments on your credit cardMyBudget TVHow to Host Christmas Lunch for Under $100 | Budget-Friendly TipsJuggling overdue bills? Take these 3 steps and see the results. . Introducing Bloom: tackle financial stress in the workplaceWhat can I claim on my tax return? | Tax time tips for Australians from Tammy Barton at MyBudgetStop overpaying for bills! 4 easy ways to cut down household expensesHow MyBudget can help | Your path to financial freedom | Manage money, get out of debt and savePodcastsGetting back on your feet financiallyCould a budget save your marriage? | MyMoney MyStory podcastKylie and Scott get back on their feet | MyMoney MyStory podcastAlyssa and Pete’s debt-free journey to one income | MyMoney MyStory podcastResourcesChristmas Budget CalculatorTax Return ChecklistElectricity Bill ChecklistNewborn & Baby Essentials Checklist6 Steps to Eliminate Credit Card Debt eBook10 Steps to Get Out of Debt eBookHealthy Meal Planning on a Budget GuideHome Buyers GuidePersonal Budget TemplateGoal Setting TemplateGet a Better Deal Checklist - Published: 2025-10-28 - Modified: 2026-07-10 - URL: https://mybudgetnz.kwp.digital/appointment/ Appointment | MyBudget NZ MyBudget NZ 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us 09 849 6285 Search here... Search HomeAppointment Appointment Welcome to MyBudget! Let’s get started. Your Personal Budgeting Specialist will now guide you through the process. Click the next arrow when prompted by your Personal Budgeting Specialist Have you completed Credit Sense? Fully secure Credit Sense is a safe and secure service to verify your financial and transactional information. Quick and easy It only takes a couple of minutes to complete. It also alleviates the need to provide paper bills and bank statements. Accurate budget Most importantly, it results in a budget that is detailed and accurate, which helps to get your budget set up for success! No, let's do it Yes, continue Skip Credit Sense See more client success stories How Jon overcame credit card debt and became financially free How Adam and Erin reached their savings goal Five clients, five lives changed How does MyBudget work? Your Personal Budgeting Specialist is crunching the numbers Feel free to take a break, close this window or browse our blog for great money tips and tricks. Visit MyBudget MoneyHub Previous slide Next slide MyBudget NZ About Us Frequently Asked Questions Careers MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Resolutions and Compliments © 2026 © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 - Published: 2025-10-28 - Modified: 2026-07-10 - URL: https://mybudgetnz.kwp.digital/secure-credit-sense/ Credit Sense | MyBudget NZ MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Client log in Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of Aussies have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions Financial wellness in the workplace How a family of five went from $65k in debt to living on one income About Us Who we are How it works Client log in Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Client log in Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. More info Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Client log in Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Client log in Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Client log in Contact us Enquire now 09 849 6285 Search here... Search HomeCredit Sense Welcome to MyBudget! Your personal budgeting specialist is looking forward to meeting you! Get Started Jonica | MyBudget team member No need for all the paperwork! Instead of bringing in all your bills and bank statements, we make it easy to create a detailed and accurate budget for you, by using Credit Sense. Fully secure An Australian owned company, Credit Sense is a safe and secure service to verify your financial and transactional information. Quick and easy It only takes a couple of minutes to complete. It also alleviates the need to provide paper bills and bank statements. Accurate budget Most importantly, it results in a budget that is detailed and accurate, which helps to get your budget set up for success! Start Credit Sense MyBudget NZ About Us Frequently Asked Questions Careers MyDebt Solutions Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast MyBudget TV Savings Calculator Christmas Budget Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Tax Return Checklist Clients Client Resolutions and Compliments © 2026 © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 Privacy Policy Sitemap Whistleblower Policy A KWP+Partners Production Privacy Policy Sitemap Whistleblower Policy The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 - Published: 2025-10-21 - Modified: 2026-07-13 - URL: https://mybudgetnz.kwp.digital/kyc/ Know your customer | MyBudget Australia MyBudget NZ 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us 09 849 6285 Search here... Search HomeKYC Identity Verification MyBudget NZ About Us Frequently Asked Questions Careers Contact Us Subscribe Money Tools & Resources Articles MyMoney MyStory Podcast Savings Calculator Home Loan Repayment Calculator Income Tax Calculator Personal Loan Calculator Templates Personal Budget Template Goal Setting Template Get a Better Deal Checklist Clients Complaints, Feedback & Support © 2026 © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 Privacy Policy Sitemap A KWP+Partners Production Privacy Policy Sitemap The information contained on this website is general information only. Any advice is general in nature and does not consider your objectives, financial situation or needs. For personal budgeting advice, consult one of our trained budgeting experts. Please then refer to the relevant disclosure documents, including the Terms of Service, provided to you in accordance with financial services law and credit legislation to help you decide if the service is right for you. © MyBudget New Zealand Ltd. NZBN 9429052161186 and FSP1010148 - Published: 2025-10-16 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/client-stories/ Real Client Success Stories | MyBudget NZ MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeClient Stories Client Stories Read real life stories and reviews from our clients. $28,000 in debt paid off in 13 Months: Kim & Bob’s success story Read their story Watch their story " It was a lifeline for us. It changed our lives " Kim & Bob From budget spreadsheets to savings success: Erin and Adam’s MyBudget story Read their story Watch their story " It has given us a full picture of our money " Erin & Adam How to get out of debt and save | Megan & Creagh’s client journey Read their story Watch their story " We've paid off five credit cards " Megan & Creagh "A weight lifted off of our shoulders… It has literally changed our lives" Megan & Creagh  | MyBudget clients All Reviews Karen and Jeff We’ve been with MyBudget for 13 years and have nothing but praise for the staff and the service. Their reliability means that we know all our bills are paid on time. When I’m not having a good day brain-wise but need something done, the staff are patient and brilliant at helping me get through the process to achieve the desired resolution. Really can’t speak highly enough of them. See review Dale We were in some serious debt and getting nowhere fast. We tried doing our own budgets but failed every time, so after doing a lot of research we decided to pick up the phone and give MyBudget a call. They took our goals both short-term and long-term into account, and helped us set up a realistic savings goal and a plan to manage debt. We sat down on a video call and went over everything in fine detail and a budget was created that was fair and manageable. See review Brian One of the BEST things I’ve done is joining MyBudget (seriously). The staff are professional and really want to help you with any money issues you may have and try and help you to start saving money. Do you want to get bills paid early and on time, save money for now and the future plus emergencies? YES… Money is important and MyBudget seems to handle and control my money better. Friendly staff with great advice. See review Meal planning to save money: the ultimate money saving plan Savings Tips 7 min read 3 Debt repayment strategies to pay off debt faster Debt Help 7... - Published: 2025-10-15 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/enquire-online/ Enquire Online for Your Free Personal Budget Plan | MyBudget Back Live Life Free From Money Worries Imagine where your finances could be in 12-months. Initial 10 min chat Private & confidential Obligation-free Your MyBudget journey begins with a free no-obligation chat with one of our caring expert Money Coaches. They will chat to you about your financial position and the goals you want to achieve. Watch their story " MyBudget just saves so much time and stress. " Michelle & Phil | MyBudget clients Live Life Free From Money Worries Imagine where your finances could be in 12-months. Initial 10 min chat Private & confidential Obligation-free Your MyBudget journey begins with a free no-obligation chat with one of our caring expert Money Coaches. They will chat to you about your financial position and the goals you want to achieve. X/TwitterThis field is for validation purposes and should be left unchanged.First name(Required)Last name(Required)Email(Required) Phone(Required)Postcode(Required)Country(Required)New ZealandSMS Opt In I agree that MyBudget can send me updates and promotional offers via SMS.Consent I agree that MyBudget can send me helpful budgeting tips and promotional offers via email. Get started This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. - Published: 2025-10-03 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/budgeting-help/ Budgeting Help in New Zealand | Personal Budget Support MyBudget NZ Enquire now 09 849 6285 Toggle menu open Search here... Search How it Works Toggle How it Works submenu open Go back How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Budgeting Help Toggle Budgeting Help submenu open Go back Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Debt Help Toggle Debt Help submenu open Go back Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Client Stories Toggle Client Stories submenu open Go back Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Money Hub Toggle Money Hub submenu open Go back Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more About Us Who we are How it works Contact us How it Works How it Works Learn how our powerful budgeting & money management service works. Learn more How Much Does MyBudget Cost? Learn why joining MyBudget could be the best financial descision you'll make. Read more Client Success Stories Don't just take out word for it. Discover how thousands of people have transformed their finances. Get inspired Your Free Appointment Book a free appointment with one of our Personal Budgeting Specialists and walk away with a 12-month plan. Enquire today Stories & Tips Frequently Asked Questions How a family of five went from $65k in debt to living on one income About Us Who we are How it works Contact us Budgeting Help Budgeting Help Practical tips & budgeting support to help you manage your money with confidence. Learn more Savings Simple strategies & tools to help you set goals and grow your savings. Find out how Budgeting App Track your spending, bills & savings in one place with an app that supports your financial goals. Learn more Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Learn more Stories & Tips Personal Budget Template The ultimate guide to Christmas shopping on a budget How to save on household bills About Us Who we are How it works Contact us Debt Help Debt Help Support & guidance to manage debt, prioritise repayments & build financial stability. Get debt help Credit Card Debt Get support to reduce credit card debt, lower interest & avoid late fees. Learn more Guide to Get Out of Debt Pay off debt faster and build savings with the 10 Steps to Get Out of Debt free eBook. Download your copy 3 Debt Management Strategies It's not about finding a quick fix. It’s about having a plan that helps you take back control. Learn more Stories & Tips Access pay early apps: How to avoid getting trapped in a cycle of debt Personal Loan Calculator About Us Who we are How it works Contact us Client Stories Client Stories Real people, real results. Don't just take our word for it. See what our clients say about our service. See more Podcast Episodes Listen to our clients' stories via our MyMoney MyStory podcast, hosted by Tammy Barton. Listen here Erin & Adam Saved for Big Life Goals MyBudget transformed how Erin and Adam managed money, helping small changes add up to big results. Learn more Megan & Creagh Paid Off 5 Credit Cards See how Megan & Creagh broke the debt cycle & are now living their life free from money worries. Learn more Stories & Tips Juggling overdue bills? Take these 3 steps and see the results.. Meal planning to save money: the ultimate money saving plan About Us Who we are How it works Contact us Money Hub Money Hub Practical tips, valuable tools, & inspiring success stories. Learn more MyMoney MyStory Podcast Get a glimpse into our clients' stories via our MyMoney MyStory podcast, hosted by Tammy. Listen now Money Tools Free calculators, templates & guides for budgeting, saving, managing debt & planning your goals. Find out more MyBudget TV Build financial literacy, deepen your money skills & take control of your financial future. Watch now Articles Tips on budgeting, saving, managing debt & improving financial wellbeing. Read more Stories & Tips Beat New Year financial hangover How to save money on household bills True cost of making only minimum payments on your credit card About Us Who we are How it works Contact us Enquire now 09 849 6285 Search here... Search HomeBudgeting Help See 12 Months Ahead With a Personalised Budget Stay on top of your bills, reduce debt and build savings with personalised budgeting support from caring Money Coaches. Book Your Free Appointment Free appointment | No long-term, lock-in contracts Erin & Adam | MyBudget clients Your Personalised Budget, Planned 12 Months Ahead Your personalised budget is planned up to 12 months ahead, giving you visibility over your income, bills, debt repayments and savings. With support from caring Money Coaches, you’ll always know where your money is going and when it will be there. See 12 Months Ahead Know your money will be there when you need it, so you can plan ahead with confidence. Build a personalised budget Your budget is tailored to your income, lifestyle and financial goals, helping you pay bills, reduce debt and grow savings. Support when you need it You're never on your own. Your Money Coach helps you stay on track, adjust your budget as life changes and keep moving towards your goals. Book Your Free Appointment Watch their story " We saw where our money was going and got a plan for the future " Erin & Adam | MyBudget clients Why is budgeting important? A budget shows you where your money is going, what your commitments are and how close you are to achieving your financial goals.What are the benefits of having a budget?Track spending to stay within your meansReduce stress by planning for bills and unexpected costsPay off debt, grow savings and plan confidentlyWith the right visibility, structure and support, see how your financial situation can improve with MyBudget.130000+ People helped 25+ Years of service Tara & Tammy | MyBudget team members How much does MyBudget cost? MyBudget fees are tailored to your individual circumstances and the level of support you need. Your first appointment is free, and we’ll explain all costs upfront before you decide whether to join.Free initial appointmentTake home your personalised 12 month budgetNo long-term, lock-in contractsRead More... Erin & Adam | MyBudget clients Erin & Adam saved $70,000 in 2 years Erin and Adam turned financial uncertainty into stability, with a clear budget and a supported plan to reach their goals. Here’s what they achieved:Saved over $70,000 for major life goalsSwitched from stressful spreadsheets to a clear, simple systemAchieved milestones like buying a home and starting a familyBook Your Free Appointment Personal Budget FAQs Can’t find... - Published: 2025-08-27 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/ For over 25 years, MyBudget has helped 130,000+ people achieve their financial goals. ## Articles - Published: 2026-07-22 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/afterpay-day-sales-save-without-blowing-your-budget/ - Categories: Budgeting Tips Get the best 2026 Afterpay Day deals without debt. Learn what Afterpay Day is, when it starts, how it works and how to budget for it like a pro. Why budgeting helps you plan ahead to make the most of Afterpay Day deals You know what’s better than scoring 40% off sneakers during Afterpay Day sales? Actually having the money to pay them off, on time, stress-free, and without a single late fee or credit mark. Whether you're planning for Afterpay Day or another major sales event, this guide will help you budget better, shop smarter and avoid unnecessary Buy Now, Pay Later debt. When is Afterpay Day 2026? The next Afterpay Day 2026 runs from August 13 to August 16, 2026. Mark your diaries. This shopping event is a key date in the 2026 retail calendar. Shop with participating retailers across New Zealand and online and expect exclusive online and in-store deals across fashion, home, beauty, technology and more. To access the sales, you’ll need to shop with retailers that offer Afterpay as a payment option, available both online and in-store at checkout: Browse the Afterpay shop directory or your favourite retailer's homepage Shop with participating brands across Australia & New Zealand Choose Afterpay at checkout and pay in four interest-free instalments. What is Afterpay Day and how does it work? Afterpay Day is a shopping event held across Australia and New Zealand, giving shoppers access to exclusive discounts from participating retailers. It’s like Black Friday, but with payment by instalments. Are Afterpay Day sales only online? No, Afterpay Day sales are available both online and in-store at participating retailers, giving shoppers flexibility no matter how they like to shop. How to use Afterpay Day to budget ahead for Christmas If you like to plan or dislike last-minute Christmas chaos, Afterpay Day is a good chance to buy gifts, decorations, and beauty products early for the festive season. Need inspiration? Our Summer budgets are made in winter blog is your perfect guide for Christmas in July, filled with budgeting ideas that will help you beat the December rush. How does Afterpay Day affect your credit score? Afterpay Day itself doesn't affect your credit score, but how you use Buy Now, Pay Later services during the sales can. Missing repayments, applying for multiple BNPL accounts or overcommitting to purchases may impact your credit history and future borrowing. In an MBIE survey of 1,781 New Zealand Buy Now Pay Later users, 78% said they used BNPL because they couldn’t afford the full purchase price upfront. Ministry of Business, Innovation and Employment (MBIE) That’s why understanding the risks before shopping the Afterpay Day sales is so important, especially now that Buy Now, Pay Later providers in New Zealand are regulated under the Credit Contracts and Consumer Finance Act (CCCFA). That means: Credit checks are now part of the sign-up or spending limit increase process Late payments can lead to defaults if unpaid over 60 days and above $150 Using multiple BNPL accounts can look risky to lenders. So while you might feel like you’re winning on price, it’s worth understanding the long-term financial impact. We’ve broken it all down in our blog: Does Afterpay and Buy Now Pay Later affect your credit score? Smart ways to shop the Afterpay Day sale Let’s flip the sales strategy. Instead of Afterpay guiding your spending, let your budget take the lead: Plan your spending limit before the event begins, use our free Personal Budget Template Stick to one BNPL provider to improve your credit health Set payment reminders and avoid late fees Don’t use Afterpay for everyday basics like groceries or fuel. Pro tip: if it wouldn’t make it into your usual budget, it might not belong in your cart. Want to use Afterpay without getting caught in the debt trap? Here’s the smarter way to shop sales: plan for them. MyBudget has helped over 130,000 people get out of debt and take control of their finances. If you're experiencing money stress or looking for debt relief solutions, our expert team will help you create a plan that works for your life and goals. We can help you prep for Afterpay Day sales by: Setting up a budget that includes major sales events and special deals Automating your payments, so you never miss a due date Helping you build savings so you can buy now without relying on pay later Supporting your long-term financial wellness goals, not just the next online checkout. Whether you’re shopping for Father’s Day, browsing lifestyle upgrades, or eyeing off a new Chromebook, we’ll help you plan for it with confidence. Enquire with MyBudget today or call us on 09 849 6285 and be ready before the next big sale lands in your inbox. Need help getting out of debt? Our free eBook 10 steps to get out of debt guides you through your New Zealand debt relief options, from budgeting to debt relief programs, so you can find the best path forward. - Published: 2026-07-22 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/christmas-savings/christmas-shopping-on-a-budget/ - Categories: Christmas Savings From creating a Christmas savings plan to shopping early and using DIY Christmas gift ideas, planning ahead with MyBudget is the secret to enjoying Christmas on a budget, stress-free and without the financial hangover. Christmas! 'Tis the season to be jolly, but if you're not careful, Christmas spending can spiral out of control like a runaway sleigh. Let's face it, Christmas can be an expensive time. However, with a bit of foresight and planning, MyBudget is here to ensure you enjoy the festive season without dreading your January bank statement. Why is it important to budget for Christmas? Creating a Christmas budget is crucial to avoiding a post-holiday financial hangover. It allows you to focus on what truly matters, spending quality time with loved ones, without the stress of overspending. A well-planned budget also ensures you can fully embrace the holiday spirit, knowing each gift and festive treat is accounted for. Ultimately, the greatest gift you can give yourself is a stress-free Christmas! How to budget for Christmas in New Zealand A great way to help you create a Christmas shopping list and budget is by downloading our Christmas Budget Template, which is designed to streamline your holiday planning. Simply input your expenses and budget allocations, and watch as it calculates how much you need to save. Use this handy tool to adjust your spending and create a Christmas budget that’s both practical and achievable. We all start the Christmas season with the best intentions of finishing our shopping early, but somehow find ourselves in a last-minute frenzy a week before the big day. The good news is that with a few months ahead of us, now is the perfect opportunity to get ahead of the game and conquer this festive season with a solid budget. So, if you're already thinking about Christmas, we’ve got some fantastic saving tips just for you. How can I create a Christmas budget? Starting early gives you the space to plan ahead and stay in control of Christmas expenses. Begin by breaking your total Christmas budget into manageable weekly amounts so you always know what you can afford and avoid relying on Buy Now Pay Later services like Afterpay. Here’s how to build a Christmas budget that actually works: Decide how much to spend on gifts: work out your total gift budget, then divide it by the number of weeks you have between now and Christmas to keep your budget realistic and achievable Include every holiday cost: don’t forget travel, food, decorations, events, donations and any little extras that tend to creep in Automate transfers: set up a separate Christmas account so your budget stays untouched until you need it Check in weekly: review your progress and make small adjustments to stay on track Use MyBudget's free Christmas Budget Calculator to create a Christmas budget in under 30 minutes. How much should I spend on Christmas? How much to budget for Christmas overall Start by setting a realistic spending limit that fits comfortably within your financial means. Remember to always prioritise essential bills over any Christmas expenses. The first step is understanding your overall expenses. Do you have a budget for daily life? If you don’t, it's ok! Our free Personal Budget Template will help get you started. Once you’ve figured out what you can afford to spend on Christmas, it’s time for the fun part, planning gifts! How much to budget for Christmas gifts and presents It’s not only Santa who needs a list at Christmas time. To keep yourself on track, start by creating a clear list of: who you need to get gifts for what you’re getting them, and how much you have to spend on each person. Regardless of your method, ensure every expense is accounted for to avoid last-minute panic buys and maintain control over your spending. What should I buy for Mum and Dad for Christmas? Focus on thoughtful, practical and budget-friendly ideas that match their interests and fit comfortably within your Christmas budget. Here are some simple, budget-friendly ideas to help you find the perfect gifts for Mum and Dad this festive season. Christmas gift ideas for mum on a budget Pamper gifts: candles, skincare minis, herbal teas or a DIY at-home spa kit Practical gifts: planners, insulated mugs, or high-quality slippers Sentimental gifts: framed photos, memory books or personalised ornaments Experience gifts: movie tickets, an art class or a simple at-home high tea with her friends. Christmas gift ideas for dad on a budget DIY gifts: homemade spice rubs, framed kids’ artwork or a home-cooked breakfast Low‑cost practical gifts: socks, caps, tools, tech accessories or a personalised key ring Experience gifts: footy tickets, kayak or paddleboard hire or a go-karting session Hobby‑based gifts: car cleaning kits, camping items or sports accessories. Plan ahead using your free MyBudget Christmas Budget Calculator to keep track of the gifts you need to buy and ensure you stay within your spending limit. It helps you stay organised, avoid last-minute rush purchases, and make sure you never go over budget. How can I find more money to save for the holidays? Don't go into debt this Christmas using credit cards and buy now, pay later services. Finding extra money hiding in your spending habits is a great way to save for the Christmas holidays. Go over your bank statements for the last few months and highlight any overspending areas. Even little changes can help to free up spare cash for your Christmas savings Are you expecting a tax refund? As soon as your refund hits your account, consider setting some, or all of it aside If you’re struggling to stay on top of your bills, it may be time to talk with your creditors about payment arrangements you can afford. Did you know? A MyBudget Money Coach can help you create a budget and can even negotiate with your creditors for you. How do I automate my Christmas savings? Automate your Christmas savings by setting up a dedicated account just for the festive season. For MyBudget clients, integrating this into your budget may already be streamlined, but it’s always wise to touch base with your Money Coach for any tweaks. If you are not a MyBudget client, most banking apps make it easy-peasy with automation features that can divert a portion of your earnings straight into a savings account. This ensures your holiday funds stay untapped until you’re ready to jingle all the way to the checkout, making budgeting a breeze. Use the free MyBudget Savings Calculator to help you plan, track and reach your savings goals. What are the best Christmas saving tips? Set a spending limit on gifts Shop the sales Find online discounts and cashback Say "No" sometimes Avoid debt and credit cards DIY Christmas gift ideas on a budget. Looking for more budget Christmas gift ideas? Check out MyBudget’s top 15 Christmas stocking stuffers! When should I start Christmas shopping? Get ahead with your Christmas shopping by taking advantage of sales events like Afterpay Day sales and Black Friday. Starting early not only ensures your online purchases arrive in plenty of time but also keeps you from making impulse purchases. For budget-friendly gifts, explore Marketplace for gently used bikes, toys, fashion items, or even furniture. Choosing preloved items not only saves money but also adds a unique touch to your holiday gifts. How do I manage Christmas expectations? Instead of feeling the pressure to match past festive overspending, it's smart to openly discuss budgeting within the whole family. You're not alone in wanting to manage your holiday budget sensibly. By setting equal price limits and sharing financial expectations, everyone can enjoy the Christmas season without unnecessary strain. What if my income changes over Christmas? If your workplace shuts down for Christmas and you're facing unpaid leave, it's crucial to factor these changes into your holiday budget. This way, you're prepared for any financial dips during the festive season, keeping your financial plans on track. Also, when buying gifts, remember the Old English proverb: "Cut your coat according to your cloth," emphasising the importance of living within your means. How can I share the Christmas load and save money? Divide and conquer this Christmas by divvying up the tasks among your nearest and dearest. Coordinate Christmas meals: have each person contribute their specialty dish Secret Santa: enjoy thoughtful gift-giving without the stress of buying for everyone individually Decorate as a group: assign different areas of the house to your loved ones to spread festive cheer Joint gift-giving: pool resources for larger items, enabling meaningful gifts that everyone can enjoy together. See how to budget for Christmas lunch under $100. What other Christmas expenses should I include in my budget? There are lots of unexpected Christmas expenses that can sneak up on even the most organised. Beyond gifts, here are a few additional costs to keep in mind as you plan your Christmas celebrations: Christmas cards and postage Festive feasts and extra groceries Travel expenses Decorations and gift wrapping... - Published: 2026-07-20 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/christmas-savings/managing-kids-christmas-expectations/ - Categories: Christmas Savings Christmas is magical for children, but it can also be one of the most financially stressful times of the year for parents. With the rising cost of living and constant advertising, it is no surprise that kids often expect big-ticket presents. As wonderful as Christmas morning is, the pressure to meet those expectations can leave many families feeling anxious or stretched thin. So how do you manage kids’ Christmas expectations without overspending, losing sleep, or compromising your financial wellbeing? It starts with open conversations, clear boundaries, and a gentle balance between magic and reality. As we move through the festive season filled with Christmas music, Christmas movies and holiday magic, I want to share how parents can guide kids through the festive season in a way that protects your budget, builds gratitude, and creates memories that last longer than the wrapping paper. How do you manage kids’ expectations for Christmas? The best way to manage Christmas expectations is to have honest, age-appropriate conversations about what is realistically affordable. Children do not need every item on their wishlist to have a wonderful Christmas. In fact, most kids thrive with boundaries and clarity. Start by explaining that every family has a Christmas budget. Some years you can do more, and some years you need to be mindful. Position it as a normal part of adult life rather than something to feel worried about. Reassure your children that Christmas will still be special even if the presents are fewer or different to what they imagined. How do you explain the difference between Santa and real-world budgets? The Santa conversation can be tricky, particularly when children imagine the North Pole, flying reindeer and Santa's cookies waiting under the Christmas tree. You want to keep the magic alive while also protecting your finances and avoiding unrealistic expectations. Here is how I approached it with my own children. When my son Seth handed me a Christmas list or holiday wishlist that totalled hundreds of dollars, I reminded him that even Santa works within limits. I explained that Santa brings gifts that are thoughtful and joyful, not necessarily everything a child asks for. I wanted him to feel excited and hopeful but also grounded in the reality that families still make decisions based on what they can afford. This helps children understand that while Santa represents generosity, parents are the ones managing the practical side of life, including budgets, bills, and financial responsibilities. Keeping this distinction clear allows kids to enjoy the magic without expecting endless presents that may not align with your financial situation. If you relate to feeling unprepared for Christmas costs, Erin and Adam once felt the same. They never used to budget for Christmas until joining MyBudget - their story shows how much calmer the festive season can feel with a plan. How do you set realistic expectations for Christmas gifts? Here is a simple three-step framework to help set clear expectations: Set the budget early so children know the boundaries Explain those limits in calm, age-appropriate language Reinforce non-gift traditions so the focus is not solely on presents. Kids often believe that Christmas means getting everything on their list. The key is to set expectations early. A simple conversation such as “You may not get everything you ask for, but you will receive something chosen with love” goes a long way. You can also explain that Christmas is not about the number or price of gifts but about spending time together and celebrating the year. Setting boundaries reduces the risk of overspending on stocking stuffers or Santa gifts and reduces the chance of starting January with credit card debt or money stress. How can parents teach gratitude during the holiday season? Gratitude is one of the most valuable life lessons children can learn, and Christmas is the perfect time to practise it. Growing up, many of us remember the simple joy of home-baked treats, handwritten cards or small gestures rather than piles of presents. Encourage your children to choose someone they would like to give a gift to this year. It can be a small, meaningful gesture for a grandparent, teacher, neighbour or sibling. Younger children can draw pictures or help you bake treats. Older kids who receive pocket money can put aside a few dollars to buy something thoughtful. Shifting the focus from receiving presents to giving them helps children appreciate the effort behind every Christmas gift and understand the value of money. If you want to build your child’s confidence with money beyond Christmas, our guide on teaching kids financial literacy is a great place to start. What Christmas traditions create joy beyond presents? Some of the best Christmas memories have nothing to do with gifts. Family traditions, Christmas songs in the background, Elf on the Shelf antics or decorating the Christmas tree often mean far more than anything wrapped under it. Think about your own childhood. Chances are, you remember decorating the tree, driving around to see Christmas lights, watching festive movies or cooking with family. These moments cost very little but stay with us for life. Consider creating simple family traditions that your children can rely on each year. These Christmas traditions can help shift the focus from the material side of the festive season to connection and joy. that your children can rely on each year. For example: A Christmas-eve movie and hot chocolate Baking biscuits together Visiting a local neighbourhood with amazing lights Donating toys to charity Writing letters to family members Hosting a picnic or BBQ on Christmas eve. Traditions like these help children value experiences over material things and understand the true meaning of Christmas. Why managing expectations protects your financial wellbeing Overspending at Christmas can create long-lasting financial stress, especially when holiday wishlists grow bigger each year. Many Kiwis report feeling pressure to meet expectations, especially when kids ask for big-ticket items. The rising cost of living makes this even harder. By managing expectations early, setting a clear budget, and focusing on experiences, you protect your financial wellbeing and teach your children skills that will benefit them for life. Let the MyBudget elves help you plan your Christmas spending If you are feeling the pressure of Christmas spending, you do not have to manage it alone. MyBudget can help you plan your Christmas budget, avoid debt, and start the new year feeling organised and in control. Book Your Free Appointment You can download our free Christmas Budget Template or talk to one of our caring money coaches on 09 849 6285. We are here to help you create a Christmas that feels joyful and financially stress free. Up next: The ultimate guide to Christmas shopping on a budget - Published: 2026-07-20 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/credit-card/how-to-avoid-paying-interest-on-credit-card-purchases/ - Categories: Credit Card Learn how to avoid paying interest on credit card purchases and pocket the savings by understanding how credit card interest works. The best way to avoid paying credit card interest is to pay your statement balance in full by the due date. Understanding how credit card interest works, using interest-free periods wisely and managing your repayments can help you keep more of your money and become debt free sooner.   Are credit cards a good way to manage money? Credit cards can be a useful financial tool if they're used responsibly and paid off in full each month. Using a credit card can make it easier to track spending, manage everyday purchases and access benefits such as reward points or complimentary travel insurance. Making repayments on time can also demonstrate responsible credit behaviour. However, if you don't pay your balance in full, interest can build quickly. Before long, you may be paying interest on both your original balance and the interest already charged. This is how credit card debt can quickly become difficult to manage. How does credit card interest work? Credit card interest is charged on any balance you don't pay in full by the due date. Understanding how interest is calculated, which transactions attract interest and how interest-free periods work can help you avoid unnecessary costs and keep more of your repayments reducing your debt. Credit card providers generally earn money in two ways. They charge merchants a fee every time a customer pays by credit card, and they charge cardholders fees and interest when balances aren't repaid by the due date. Why are credit card interest rates so high? Credit card interest rates are generally higher because credit cards are a form of unsecured lending. Unlike a home or car loan, a credit card isn't secured against an asset. This means the lender carries more risk if repayments aren't made, so higher interest rates help offset that risk. Because you can use a credit card to purchase almost anything up to your credit limit, it's important to understand how quickly interest can increase the amount you owe. How is credit card interest calculated? Credit card interest is usually calculated daily, even though it's advertised as an annual percentage rate (p. a. ). To calculate your daily interest rate, divide the annual interest rate by 365. For example, if you owe $500 on a credit card charging 19% p. a. : The daily interest rate is approximately 0. 052%. On the first day, about 26 cents of interest is charged. On the second day, interest is charged on the new balance, including the previous day's interest. This is known as compound interest. Because interest is added daily, your balance can grow quickly if repayments are delayed. How can you use interest-free periods to your advantage? Most credit cards offer an interest-free period on new purchases if you pay your statement balance in full by the due date. To keep your interest-free period: Only spend what you can afford to repay Pay your statement balance in full every month Set up automatic repayments so you never miss a due date If you carry a balance, repay it in full as soon as possible to restore your interest-free period. If you don't pay the full statement balance, any remaining balance will usually attract interest and new purchases may begin accruing interest immediately. Which credit card transactions attract interest? Not every credit card transaction is treated the same, and some will attract interest immediately. Purchases Everyday purchases such as groceries, fuel and online shopping are generally eligible for an interest-free period if you pay your statement balance in full by the due date. Promotions Promotional interest rates can help reduce interest for a limited time, but it's important to read the terms and understand when the promotional period ends. Balance transfers Balance transfers may help you pay off debt faster by offering a lower introductory interest rate. However, it's important to understand any fees, conditions and what interest rate will apply once the promotional period finishes. Cash advances Cash advances usually attract a higher interest rate and typically don't qualify for an interest-free period. Withdrawing cash, transferring money from your credit card or using your card for certain gambling transactions may all be treated as cash advances. How can you avoid paying interest on your credit card? The best way to avoid paying credit card interest is to pay your balance in full by the due date. If that's not possible, contact your credit card provider as soon as you know you'll have trouble making a repayment. They may be able to offer financial hardship support or an alternative repayment arrangement. Life doesn't always go to plan. Unexpected expenses, illness, job loss or reduced income can make it difficult to keep up with credit card repayments. The important thing is to act early. Ignoring the problem can lead to interest charges, late fees and a growing debt balance. If your financial difficulty is temporary, ask your credit card provider whether they can extend your payment due date or offer a short-term repayment arrangement. Many lenders are willing to help customers who contact them before they miss a payment. If you're experiencing longer-term financial hardship, your provider may offer support such as: Temporarily reducing your repayments Deferring repayments for a period Freezing or reducing interest charges Setting up a more manageable repayment plan. When applying for financial hardship assistance, include: Your name and contact details Your credit card account number A copy of your latest statement An explanation of your financial circumstances Supporting evidence, such as a medical certificate or redundancy notice A realistic proposal for how you'll repay the debt if assistance is approved. A realistic budget can make these conversations much easier. Knowing exactly how much you can afford to repay each week or month helps you negotiate a repayment plan you can stick to while reducing your debt over time. What is the fastest way to reduce credit card debt? Instead of... Try... Paying only the minimum repayment Pay as much as you can afford each month. Waiting until the due date Make weekly or fortnightly repayments to reduce your balance sooner. Using multiple credit cards Focus on paying down one card before using another. Relying on interest-free offers Build a realistic budget so you can reduce debt consistently. What are Tammy's top tips for avoiding credit card debt? Create a budget so you only spend what you can afford to repay each month. Automate your repayments so you never miss a due date. Pay your statement balance in full whenever possible. If you carry a balance, pay it off as quickly as you can to restore your interest-free period. Consider switching to a credit card with an interest-free period if your current card doesn't offer one. Make extra repayments throughout the month to reduce your balance sooner. Decline unnecessary credit limit increases. Avoid paying annual fees for features you don't use. Simplify your finances by reducing the number of credit cards you have. Read the terms and conditions so you understand promotional offers. Avoid cash advances whenever possible. If you're struggling with repayments, contact your credit card provider early and ask about financial hardship support. Ready to reduce your credit card debt? Paying less interest means more of your money goes towards reducing your debt and reaching your financial goals sooner. If you're ready to take control of your money, book your free, no-obligation appointment with MyBudget today. We'll help you create a personalised budget and a clear plan to reduce debt faster. Book Your Free Appointment Or call us today on (09) 849 6285 to get started. - Published: 2026-07-14 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/success-stories/kim-and-bob-mybudget-client-story/ - Categories: Success Stories If you're looking for stories of people getting out of debt, Kim and Bob's client success story shows what's possible with the right budgeting support. While their story happened in Australia, the same personalised MyBudget service is now helping people across New Zealand take control of their money. For Kim and Bob, that journey started with a single phone call. When they joined MyBudget in 2010, they were living on one income, raising four young children, facing debt collectors and at risk of having their power disconnected. With a personalised budget, ongoing support and a clear financial plan, they paid off $28,000 across 12 different debts in just 13 months. More than 16 years later, Kim and Bob are still MyBudget clients. With ongoing money management and support, they've travelled as a family, bought reliable cars, supported each other through two cancer journeys and are now saving to buy their first home. - Published: 2026-07-14 - Modified: 2026-07-20 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/money-management/how-much-does-mybudget-cost/ - Categories: Money Management If you've been thinking about joining MyBudget, this blog answers the number one question individuals ask. How much does it cost to get expert support with your personal budget and financial goals? - Published: 2026-07-11 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/how-to-set-up-a-budget/ - Categories: Budgeting Tips Setting up a budget is one of the best ways to take control of your money. Whether you're trying to pay off debt, save for a home, or simply make your income go further, this step-by-step guide explains how to create a realistic budget that works for life in New Zealand. You'll also learn how to stick to your budget and avoid some of the most common budgeting mistakes. How to set up a budget in 5 simple steps Here’s exactly how to set up a budget in 5 simple steps: Set clear money goals Track expenses and due dates Review needs vs wants Start an emergency fund Seek financial help if you’re struggling. Budget setup checklist Before your budget is complete, make sure you've: Listed every source of income Recorded all regular bills Allowed for groceries, transport and everyday spending Included irregular expenses like insurance and annual subscriptions Set a savings goal Planned for unexpected expenses. - Published: 2026-07-10 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/personal-budgeting-101/ - Categories: Budgeting Tips Personal budgeting helps New Zealanders manage their income, expenses, savings and debt so bills are paid on time, financial stress is reduced, and long-term financial goals feel more achievable. Whether you're saving for a home, paying off debt or simply trying to get ahead, a personal budget gives every dollar a purpose. - Published: 2026-07-06 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/how-to-get-out-of-debt/ - Categories: Debt Help Debt repayment can feel overwhelming, but the right strategy can help you make steady progress towards becoming debt free. Whether you're managing credit card debt, personal loans or other repayments, choosing a debt repayment method that suits your circumstances can help you reduce debt faster and stay motivated along the way. At MyBudget, we've helped thousands of people reduce debt, regain control of their money and build a stronger financial future. Many people find themselves in more debt than they expected because it's often much easier to borrow money than it is to pay it back. In this article, we'll explore three proven debt repayment strategies and help you decide which one may work best for you. What are the best debt repayment strategies? The best debt repayment strategy is the one you can stick with consistently. A realistic budget is a great place to start, but it also needs to suit your lifestyle, financial circumstances and long-term goals. The three most common debt repayment strategies are: The Avalanche Method The Snowball Method The Feel Good Method. What is the Avalanche Method? The Avalanche Method focuses on paying off your highest-interest debt first while continuing to make the minimum repayments on all your other debts. This approach targets the debts costing you the most in interest, such as credit cards, store cards, revolving credit facilities and high-interest short-term loans. Once your highest-interest debt is repaid, you redirect those extra repayments towards the debt with the next highest interest rate, continuing the process until all your debts are cleared. The biggest advantage of the Avalanche Method is that it reduces the total amount of interest you pay over time. However, because larger debts can take longer to pay off, it may not provide the quick wins some people need to stay motivated. What is the Snowball Method? The Snowball Method focuses on paying off your smallest debt first, regardless of its interest rate. While continuing to make the minimum repayments on all your other debts, you put any extra money towards your smallest balance. Once that's paid off, you roll those repayments into the next smallest debt, building momentum as each balance disappears. Many people find this method motivating because they see regular progress, close accounts they no longer need and build confidence with every debt they eliminate. If staying motivated is important to you, the Snowball Method can make it easier to stick with your debt repayment plan over the long term. What is the Feel Good Method? The Feel Good Method prioritises paying off the debt that will give you the greatest sense of relief, regardless of the balance or interest rate. While continuing to meet your minimum repayments on your other debts, you focus any extra money on the debt that's causing you the most stress. Once that's gone, you move on to the next debt that will make the biggest positive difference to your peace of mind. Money isn't just about numbers. Sometimes the debt that's causing the greatest emotional burden isn't the one costing the most in interest. It could be money you owe a family member or friend, or a debt that's been weighing on your mind for months. For some people, reducing financial stress is just as important as reducing interest costs, making this a powerful strategy for staying motivated. What can cause financial stress? Financial stress can be caused by any debt that's difficult to repay, especially when repayments, interest and everyday living costs start competing for your income. Credit card debt is one of the most common causes of financial stress because high interest rates can make balances difficult to pay off. At the same time, rising mortgage repayments and the increasing cost of living have placed added pressure on many New Zealand households. It's not just credit cards or home loans that can cause financial stress. Car loans, personal loans, Buy Now, Pay Later services, interest-free finance and even borrowing from family or friends can become overwhelming if repayments become difficult to manage. The earlier you take action, the easier it can be to regain control of your finances. Creating a realistic budget and prioritising your repayments can help reduce financial stress and put you on the path towards becoming debt free. How did Megan and Creagh get out of debt? Megan and Creagh reduced their debt by following a personalised budget and debt repayment strategy that suited their goals and lifestyle. Megan and Creagh are a married couple in their 30s with steady jobs. Like many households, they gradually relied more on credit cards until their balances became overwhelming. By the time they asked for help, they had accumulated around $91,000 in credit card debt. Their story shows that with the right debt repayment strategy and a personalised budget, it's possible to understand where your money is going, plan ahead and work towards becoming debt free with confidence. How did they become trapped in credit card debt? Small everyday spending decisions gradually added up to a level of debt they could no longer manage. "It wasn't big lavish expenses that got us into trouble. It was day-to-day stuff," says Creagh. The couple regularly overspent on small purchases, such as eating out instead of cooking at home. When their balances became difficult to manage, they moved their debt between credit cards using promotional balance transfer offers, only to end up with multiple cards and growing balances. "What we were doing wasn't working and we weren't sure how to get out of debt," says Megan. How did MyBudget help? MyBudget created a personalised budget that helped Megan and Creagh organise their money, make extra repayments and reduce their debt faster. A MyBudget Money Coach reviewed their finances and created a personalised budget that mapped out their income, bills, debt repayments and financial goals over the next 12 months. They were surprised by how much progress they could make once they understood exactly where their money was going. Their new budget created opportunities to make extra repayments while still covering everyday expenses and unexpected costs. Instead of feeling overwhelmed, they had a clear plan they could follow with confidence. What results did they achieve? Within 10 months, Megan and Creagh paid off around $60,000 in debt and five credit cards. Their debt repayment strategy combined elements of the Avalanche, Snowball and Feel Good methods to create a plan that suited their circumstances. They didn't have to give up everything they enjoyed. Instead, they learned how to spend within their budget while continuing to work towards their financial goals. Today they still enjoy eating out, but their spending has clear limits. They know exactly where their money is going, when they'll achieve their goals and they're now saving towards a house deposit. "I'm so proud of us and what we've done together. It's a feeling of elation. I can breathe out," says Megan. Ready to pay off debt faster? If you're struggling with debt or finding it difficult to make extra repayments, MyBudget can help. We'll create a personalised budget that gives you a clear plan to reduce debt, pay less interest and achieve your financial goals sooner. Book Your Free Appointment Or call 09 849 6285 today to get started. - Published: 2026-07-05 - Modified: 2026-07-24 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/money-management/budgeting-for-life-after-divorce-or-separation/ - Categories: Money Management Separating from a partner is never easy, and managing your finances during this time can feel overwhelming. Whether you're married, in a civil union or a de facto relationship, taking control of your money early can reduce financial stress and help you move forward with confidence. The first step is understanding your financial position. Once you know what you own, what you owe and what your ongoing expenses will be, you can make informed decisions about your future. This guide explains how to separate your finances in New Zealand, common mistakes to avoid and how to create a budget that supports your new financial circumstances. What should you do first when separating your finances? Start by getting a clear picture of your finances. List all of your income, savings, debts, regular expenses and shared financial commitments. This includes bank accounts, KiwiSaver, credit cards, loans, insurance policies, investments and household bills. Having everything in one place makes it much easier to understand what you can realistically afford on one income and identify any financial commitments that still need to be managed jointly. What should you prioritise after separation? Separating your finances doesn't happen overnight, but tackling the most important tasks first can make the process much more manageable. Priority Why it matters Secure your income Make sure your wages, salary or government payments are deposited into an account you control. Understand your debts Check which loans, credit cards and finance agreements you're still legally responsible for. Review your budget Adjust your spending to reflect your new income and living expenses. Update your bills Transfer or close shared accounts where appropriate, including utilities, internet and insurance. Get advice Seek legal and financial advice before making major decisions about property or shared assets. Plan ahead Start rebuilding your savings and working towards your future financial goals. How do you separate joint finances? If you share bank accounts, loans or household bills, it's important to begin separating them as soon as possible. Depending on your circumstances, this may involve opening a bank account in your own name, redirecting your income, changing passwords for online banking and reviewing any automatic payments or direct debits. If you have joint debts, don't assume your former partner is making the repayments. In many cases, both people remain responsible for the debt until it's repaid, refinanced or legally transferred into one person's name. How do you create a budget after separation? One of the biggest adjustments after separation is moving from two incomes to one. A personalised budget helps you understand how much money you have coming in, what your essential expenses are and where your money needs to go each month. It also helps you prioritise bills, debt repayments and savings while giving you confidence about what you can realistically afford. Many people try to maintain the same lifestyle they had before separating, but your financial priorities may need to change. Having a clear budget helps you make decisions based on facts rather than uncertainty. Download our free Personal Budget Template. What financial support is available in New Zealand? If your income has reduced after separating, financial assistance may be available depending on your circumstances. Support through Work and Income New Zealand (WINZ) may include Sole Parent Support, Jobseeker Support or the Accommodation Supplement. Families with dependent children may also be eligible for Working for Families payments through Inland Revenue (IRD). If you're unsure where to start, organisations such as Citizens Advice Bureau and Community Law can provide free information and guidance about your options. What are the biggest financial mistakes people make after separation? Financial decisions are often made during an emotional time, making it easy to overlook important details. Some of the most common mistakes include: Assuming your former partner is paying joint bills or loans Keeping a house or car that's no longer affordable Ignoring joint credit cards or other shared debts Delaying the creation of a new budget Making large financial decisions before understanding your new financial position. Taking the time to review your finances early can help you avoid unnecessary stress and costly mistakes later. Should you get legal and financial advice? It depends on your circumstances. If children, property or significant assets or debts are involved, getting legal advice can help you understand your rights and responsibilities. Alongside legal advice, creating a personalised budget can help you understand what you can afford after separation and plan confidently for your financial future. How can you rebuild financially after separation? Although separation can be financially challenging, it also provides an opportunity to create a stronger financial future. Once your finances have been separated, you can focus on goals such as paying down debt, building an emergency fund, growing your KiwiSaver, saving for a home or simply feeling more confident managing your money independently. The sooner you understand your financial position, the sooner you can start working towards the life you want. How can MyBudget help after separation? Managing money after separation can feel overwhelming, but you don't have to do it alone. MyBudget creates a personalised 12-month budget based on your income, expenses and financial goals. Your dedicated Money Coach works with you to understand what's affordable, organise your bills and create a practical financial plan that fits your new circumstances. Whether you're adjusting to one income, paying off debt or rebuilding your savings, MyBudget can help you regain control of your finances and plan confidently for the future. Book your free appointment online or call 09 849 6285 to speak with the MyBudget New Zealand team. - Published: 2026-07-01 - Modified: 2026-07-14 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/debt-management-strategies/ - Categories: Debt Help Debt management is about finding practical ways to stay on top of your repayments, reduce financial stress and regain control of your money. Whether you're dealing with credit cards, Buy Now Pay Later, personal debt or overdue bills, the right strategy can help you make steady progress without relying on more borrowing. This guide explains practical debt management strategies for New Zealand households, including budgeting, prioritising repayments, communicating with creditors and avoiding common mistakes. - Published: 2026-06-04 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/how-to-become-debt-free-in-2026-the-financial-reset-you-need/ - Categories: Debt Help Get debt-free in 2026 with a clear, step-by-step guide to paying off debt, setting up a realistic budget and starting to live the life you want. - Published: 2026-05-07 - Modified: 2026-05-07 - URL: https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/adhd-money-management-whats-your-money-type/ - Categories: Budgeting Tips ADHD can make budgeting and money management harder due to impulsive spending, forgetfulness and financial overwhelm. This guide explains practical ADHD budgeting strategies, money management tips and systems that can help neurodivergent Australians reduce stress, stay organised and build financial confidence. - Published: 2026-05-06 - Modified: 2026-07-20 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/in-the-media/tammy-barton-mortgage-stress-victoria-may-2026/ - Categories: In the media Tammy Barton featured on realestate. com. au and news. com. au (May 2026) With mortgage stress continuing to rise across Victoria, Tammy Barton has shared expert insights with News Corp on what’s driving the pressure – and why more Australians are feeling the squeeze. The articles highlight how larger loan sizes, combined with rising living costs, are making it harder for households to stay on top of repayments, particularly for single-parent households and families living on one income. Tammy emphasises that while the pressure is real, taking early, proactive steps can make a meaningful difference in staying in control. Read the full articles here: → https://www. realestate. com. au/news/vics-mortgage-stress-hotspots-revealed-ahead-of-rba-meeting/ → https://www. news. com. au/finance/real-estate/melbourne-vic/vics-mortgage-stress-hotspots-revealed-ahead-of-rba-meeting/news-story/ Or download the full PDF here. If you’re feeling the pressure of rising mortgage repayments or the cost of living, starting a personal budget can help you take back control, reduce stress, and plan ahead with confidence. Enquire today - Published: 2026-04-29 - Modified: 2026-04-29 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/ai-budgeting-vs-human-support/ - Categories: Tammy's Thoughts AI can help you start a budget, but it can’t adapt to real-life changes, understand human behaviour, or provide the ongoing support needed to keep your budget on track when things don't go to plan. In 25+ years working with Australian households, I’ve learnt this: "A budget doesn’t fail because of the numbers, it fails without the right support behind them. " AI can start a budget, but it can’t keep it working in real life. More Australians are trying AI to get on top of their money, and I understand why. For anyone starting a personal budget, quick answers feel like relief. But here’s what I see every day: AI gives answers, not support It doesn’t adjust when life changes It can’t keep you on track when things don’t go to plan. AI can create a basic plan, but it lacks context, accuracy and accountability, especially when relying on financial data, automation and artificial intelligence tools without human oversight. That’s where human support matters. At MyBudget, we manage your money with you, paying bills, building savings and keeping you on track in real life. I recently spoke about this with Anthony Keane from The Australian, where we explored why Aussies still want real human support for their money. - Published: 2026-04-27 - Modified: 2026-07-20 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/in-the-media/tammy-barton-on-ai-budgeting-the-australian/ - Categories: In the media Tammy Barton featured in The Australian March 2026 As more Australians turn to AI tools to manage their money, Tammy shares why having a plan on paper isn’t always enough. In this feature, she explains what happens when real life throws your budget off track, and why human support still plays a critical role in helping people stay in control. Read the full article in The Australian → https://www. theaustralian. com. au/wealth/personal-finance/why-trusting-ai-with-your-money-could-derail-your-financial-plans/news-story/ Or download the full PDF here. If you’ve started a budget but it’s not holding up in real life, getting support can help you stay on track and adapt when things change. Enquire today - Published: 2026-04-22 - Modified: 2026-04-22 - URL: https://nz.mybudget.com.au/moneyhub/articles/money-management/stop-waiting-for-payday/ - Categories: Money Management If you’re constantly waiting for payday, it often means your money doesn’t have a clear plan yet. To stop living pay to pay, prioritise essential bills, track expenses and spending habits, and set up an automated budget that takes care of bills, savings and debt. Get a clear plan for your money so you can stop checking your bank balance every time you get to the checkout. The weight of waiting for payday Life is full of waiting. Waiting in line at the shops, waiting for the weekend, waiting for that holiday you booked months ago. But there’s one wait that feels heavier than all the others: waiting for payday. That feeling when your bank balance is running low, bills are due, and you’re counting down the days, sometimes the hours, until your next pay hits. It’s stressful, it’s exhausting, and for many Australians, it’s become the norm. If you’re constantly waiting for payday, it can start to feel like your money is always one step behind your life. Bills come in, expenses add up, and your bank balance seems to fall faster than you can keep up with. This is often called living “paycheck to paycheck”, or more locally, living payday to payday or week to week. The good news? It’s not something you have to stay stuck in. - Published: 2026-04-20 - Modified: 2026-07-14 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/saving-for-an-emergency-fund/ - Categories: Savings Tips Life is unpredictable, and emergencies can happen at any time. If you have ever felt like you are one unexpected expense away from things getting tight, that feeling is more common than you might think. A financial buffer gives you emergency money to fall back on, so you are not relying on credit cards, Buy Now Pay Later, or loans when something goes wrong. Think of it as a financial safety net, a savings buffer in a separate savings account, ready for unexpected expenses when they arise. It is money set aside for real emergencies, not everyday spending, helping you stay in control and reduce financial stress. In this guide, you will learn what an emergency fund is, how much you may need, how to start calculating your emergency fund, where to keep it, and simple ways to build it over time. - Published: 2026-04-16 - Modified: 2026-04-16 - URL: https://nz.mybudget.com.au/moneyhub/articles/savings-tips/saving-for-a-holiday/ - Categories: Savings Tips Your step-by-step guide to planning, budgeting and actually hitting your holiday savings goal. Saving for a holiday sounds simple... until real life, rising cost-of-living pressures, and everyday spending get in the way. Bills pile up, unexpected expenses pop up, and somehow the “holiday fund” never quite grows. It’s not that you’re bad with money. Most Australians just don’t have a system that makes saving feel automatic and achievable. The good news? You don’t need to give up everything or live on two-minute noodles. You just need a plan that works with your life, not against it, like starting a personal budget that gives you a clear plan for your money. In this guide, we’ll show you exactly how to save for a holiday, why most people struggle to get there, and what actually works. - Published: 2026-04-16 - Modified: 2026-04-16 - URL: https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/25-mothers-day-gift-ideas-for-every-budget/ - Categories: Budgeting Tips Discover 25 thoughtful Mother’s Day gift ideas on a budget, with affordable options that make Mum feel special without overspending. Mother’s Day can be meaningful without becoming expensive, especially if you’re looking for Mother’s Day gifts on a budget. With cost-of-living pressures still front of mind for many Australians, it’s completely normal to want to celebrate without blowing your budget. That said... finding the perfect gift can sometimes feel like trying to find that one ripe avocado at Aldi! Whether you’re shopping for your mum, a mother figure or even your mother-in-law, this guide is packed with budget-friendly and even cheap Mother’s Day gift ideas that feel personal and thoughtful. Think personalised gifts, keepsakes, flowers, cards, chocolates and experiences that create lasting memories. If you’re trying to stay on track financially while still celebrating Mum in style, this is exactly where a plan helps. Starting a personal budget means you can enjoy days like this without the stress of “how am I going to pay for it later? ” So now’s the perfect time to get organised, even if you’re looking for last-minute Mother’s Day gift ideas. When is Mother's Day in 2026? Mother’s Day in Australia is on Sunday 11 May 2026. It falls on the second Sunday of May every year. - Published: 2026-04-15 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/how-do-i-stop-spending-money/ - Categories: Budgeting Tips If you're wondering how to stop spending money, the quickest way is to make your spending more intentional. Simple changes like waiting 24 hours before buying something, setting a weekly spending limit, and creating a realistic budget can reduce impulse spending and help you take back control of your finances. If you’re struggling to stop overspending, the issue usually isn’t discipline. It’s often a lack of visibility, structure, or a plan that makes everyday spending easier to manage. The good news is, this is something you can change. You do not need to cut out everything you enjoy or feel guilty every time you use your card. What helps is having a simple plan, a clearer view of where your money is going, and a system that makes it easier to stay on track. - Published: 2026-04-08 - Modified: 2026-04-09 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/success-stories-valerie-getting-out-of-debt/ - Categories: Success Stories Many Australians are dealing with financial stress, rising living expenses and the feeling of drowning in debt. If you’re struggling to pay bills, relying on credit cards, or wondering how to manage money when everything feels out of control, you’re not alone. More importantly, there is a way forward. This is Valerie’s story, one of many stories of people getting out of debt, and how a clear budget helped her turn things around. She went from financial hardship, addiction and overwhelming debt to building a budget, reducing her debt, and working towards financial freedom. If you’re wondering how to start a budget plan or how to get out of debt, her journey shows what’s possible with the right support. - Published: 2026-04-07 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/in-the-media/tammy-barton-courier-mail-saving-money-apr-26/ - Categories: In the media Tammy Barton featured in The Courier Mail April 2026 With rising living costs across Australia, practical money management advice has never been more important. Tammy’s insights reflect what we see every day at MyBudget - Australians looking for ways to save money, manage expenses, and stay in control during uncertain financial times. Read the full article on The Courier Mail → https://www. couriermail. com. au/business/money/what-finance-gurus-are-doing-to-save-money-amid-soaring-costs/news-story/73981f5829217815ab9509b5cd0d2ee5 Or download the full PDF here. If you’re feeling the pressure of rising expenses, starting a personal budget can help you take back control and plan ahead with confidence. Enquire today - Published: 2026-04-01 - Modified: 2026-06-25 - URL: https://mybudgetnz.kwp.digital/moneyhub/articles/budgeting-tips/how-much-should-you-budget-for-a-pet/ - Categories: Budgeting Tips Bringing home a new pet is exciting. Whether it’s a puppy your kids have been asking for or a rescue cat from your local SPCA, it’s easy to focus on the joy they’ll bring. But before you say yes, there’s one important question to answer: Can your budget comfortably support a pet long-term? Because owning a pet isn’t just about food and toys. It’s ongoing vet care, insurance, grooming, and those unexpected moments that can quickly add up. The good news is, with a bit of planning, you can make a confident decision and avoid financial stress later on. Let’s walk through what it really costs to own a pet in New Zealand, and how to budget for it properly. What does budgeting for a pet mean? Budgeting for a pet means planning for both the upfront and ongoing costs of caring for an animal, including food, routine veterinary care, insurance, grooming, registration, boarding and unexpected emergencies. - Published: 2026-03-11 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/access-pay-early-apps-how-to-avoid-getting-trapped-in-a-cycle-of-debt/ - Categories: Debt Help Accessing your pay early lets you receive part of your wages before payday, but it’s important to understand the costs, risks and alternatives before using these services. While it can help in a short-term pinch, regularly relying on early wage access may be a sign your budget needs adjusting rather than another quick fix. - Published: 2026-02-26 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/debt-help/what-to-do-when-you-cant-pay-your-bills/ - Categories: Debt Help Struggling to manage overdue bills? Rising costs and interest rate hikes can feel overwhelming, but taking proactive steps to protect your credit score and creating a budget can help you regain financial control and avoid falling deeper into debt. If you can’t pay your bills in New Zealand, the most important steps are to prioritise essential expenses, contact your creditors early to request financial hardship assistance, and create a realistic budget to prevent defaults. - Published: 2026-02-17 - Modified: 2026-07-14 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/what-is-saving/ - Categories: Savings Tips Saving is the foundation of financial security. It is how you prepare for emergencies, plan for long-term goals, reduce financial stress and create real options in your life. Saving simply means setting aside part of your income for future needs instead of spending it immediately. A savings plan gives that money structure, clarity and a clear purpose. It’s not surprising in today’s economy that saving feels harder than it used to. The cost of living in New Zealand has increased, expenses feel constant, and many households are juggling rent, utilities, groceries, insurance and debt repayments all at once. But saving is not about perfection. It is about structure and consistency. For over 25 years, MyBudget has helped more than 130,000 people build savings plans that create long-term financial security and eliminate money worries - Published: 2026-02-04 - Modified: 2026-06-30 - URL: https://mybudgetnz.kwp.digital/moneyhub/articles/budgeting-tips/stop-subscription-creep/ - Categories: Budgeting Tips Subscription creep is when recurring payments for streaming services, apps and memberships quietly build up over time, making it harder to stay on budget. If you've ever wondered where your money is disappearing each month, reviewing your subscriptions is one of the quickest ways to reduce unnecessary spending and free up money for your financial goals. Whether it's Netflix, Disney+, Neon, Sky Sport Now, Spotify Premium or another subscription you've forgotten about, this guide explains how to find, review, cancel and manage recurring payments so they work for your budget, not against it. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing practical tips to manage subscriptions, cut unnecessary costs, and stay in control with MyBudget. - Published: 2026-01-14 - Modified: 2026-05-06 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/does-afterpay-and-buy-now-pay-later-affect-your-credit-score/ - Categories: Debt Help Buy Now Pay Later (BNPL) services in Australia like Afterpay, Klarna, Zip and PayPal Pay in 4 offer interest‑free instalments, but they can affect your credit score and loan approval, particularly if payments are missed, multiple BNPL accounts are used, or BNPL is relied on alongside other debt. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing key takeaways on how buy now pay later can impact your credit score, and how MyBudget helps you stay in control and reduce money stress. - Published: 2026-01-07 - Modified: 2026-01-08 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-2026-financial-checklist/ - Categories: Tammy's Thoughts A financially successful 2026 doesn’t come from guesswork or good intentions. It comes from clarity, structure and knowing where your money is going before it’s spent. A regular financial check-in helps you stay in control of your spending habits, reduce money stress and make steady progress towards your financial goals. It gives you a clearer view of your overall financial situation, including your income, expenses, savings, debts and day-to-day spending behaviours. Whether you want to save more, reduce debt or feel more confident with money, this checklist is designed to support you at any point during the year. I want to share my five core steps to help you feel calm, organised and in control of your finances throughout 2026 and beyond.   - Published: 2025-12-17 - Modified: 2025-12-17 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/how-to-handle-the-messy-middle-of-life-work-and-everything/ - Categories: Tammy's Thoughts I was recently asked to deliver the MBA graduation speech at the Australian Institute of Business. It was an honour to meet such a fine batch of graduates, to share some thoughts about life and business, and to congratulate them on persisting through the ‘messy middle’ of Covid. Perhaps, I reflected, life’s most valuable lessons are, more often than not, hiding in the weeds. The first time I heard someone talk about the “messy middle” was at a Google seminar. The way people make decisions is messy, they explained. The user journey is never a straight line. Life is the ultimate user journey, right? Are there any straight lines in life? , I wondered I think we’re all a bit obsessed with the idea of planning and productivity and perfecting the process–I know I am. And rightly so if we want the trains to run on time. But I’ve also come to understand that some of the messiest journeys are the most rewarding. The key, it seems to me, is in learning how to tolerate the messy bits without letting them overwhelm you. In fact, I’ve started to realise that when the path is too straight or safe and predictable, it means I might be missing some of life’s best gems. Family life is messy My mum was just 16 when she had me. As well as my parents having the challenges of youth on their plate, my brother Josh was born with Angelman’s Syndrome. Angelman’s is a genetic disorder that comes with severe intellectual disabilities. It wasn’t as if we were poor, but there was always a feeling that money was tight. My dad was a builder, which came with periods of feast and famine, and my mum was not very good at budgeting. Not because she’s bad with money, but because she’s bad at saying ‘no. ’ My mum would give you her last dollar if you needed it. There were times when the power or phone was about to be cut off or the fridge was empty because we were waiting for a cheque to clear. When you grow up like that, it makes you very conscious of money. Having a disabled brother contributed to the messy middle of our family life, too. But it also meant that I witnessed incredible kindness. My parents’ love and patience with Josh taught me the same. And the generosity of friends, family, and sometimes strangers, who gave their time and support to help with Josh showed me that humans are wired to help humans. Starting a business is messy I look back now and realise that I had no right to start a financial services company. Who did I think I was? A 22 year-old woman from the Adelaide ‘burbs. I was far too young, female and (dare I say it) blonde to break into the male, middle-aged bastion of finance. All I knew is that I saw a way that I could help people. The first challenge, however, was that very few people shared my vision. ‘Off-piste’ is too mild a term–I was deep in the weeds. I was not only starting a new business; I was creating a whole new financial services category called personal budgeting. And while I was slashing through the red tape jungle with what felt like a blunt machete, most of my friends had proper jobs. They had safe pay packets to fall back on and were working their way up the ladder. Did I think of giving up? Of choosing a clearer, easier path? Often. I hadn’t heard of the Bhagavad Gita back then, but when years later I read this quote from it, I realised that it was this wisdom that had helped me sit with the mess: We are kept from our goal, not by obstacles, but by a clear path to a lesser goal. If you can accept the messiness, the unwieldy terrain, of the path less travelled, it can lead to places in the physical world–and more importantly, within yourself–that safer paths don’t go. Covid was super messy When it came to the pandemic, I felt like the universe was smirking at me: You thought that running a business was hard? Here, try doing it while homeschooling your kids. At the beginning of Covid, we had to mobilise around 200 MyBudget staff to work from home, a feat we accomplished in just three days. If there was a Gannt chart (and there wasn’t), it would have looked like a bowl of spaghetti. We had people going to Bunnings to buy fold-out tables for staff who didn’t have desks. When monitor arms sold out, we improvised with guitar stands, and so on, and so on. Every time we hit an obstacle (at least five or six an hour), we rerouted and found a different way to keep going. It was, of course, utterly exhausting at the time. Only later did I realise it was also very rewarding. The messy journey took us to unexpected places and we survived. In fact, as a team we thrived. We discovered new things about ourselves and each other. We graduated from the work-from-home saga with virtual superhero capes and tiaras. Throw whatever you like at us–we’ve got this. Embracing the messy middle What would my own life be like today without these messy middle experiences? Would I have become interested in budgeting? In helping others? Or would I have played it safe? Chosen a smaller, safer, lesser goal? I wonder about these things with my own kids. Like most parents, I try to protect them from the messy parts of life. But am I in fact hurting their growth? Getting in the way of grit and character development? I’m reminded of the life cycle of a butterfly. Before it earns its wings, the caterpillar has to literally digest itself into a soup of cells and proteins. It’s this liquified version of itself that gets reconstituted into a new creature that’s re-equipped for a higher flying life. I feel like my own experiences are somewhat similar. If I can learn to sit with the discomfort–the liquification–chances are good that a few handy gems will emerge from the mess. - Published: 2025-12-17 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/property-talk/new-house-how-to-move-on-a-budget/ - Categories: Property Talk Moving expert Kirsty Morbidelliis from U-Store-It shares her favourite moving house tips, and talks us through how to move on a budget. She says that moving on a tight budget is possible, as long as you start planning early, and are happy to do some legwork. So you’ve found a new place to live—exciting! But now you face the daunting task of packing your life into boxes. The thought of moving—let alone the expense of it—is enough to make some people stay put. According to removal comparison website Moving24, the average cost of moving a three-bedroom home is $1,680. For a one or two-bedroom home, the cost is not a lot cheaper at $1,295. But those prices assume that you’ll use a moving company. If you’re happy to try some moving hacks, including doing the legwork yourself and planning in advance, you may be able to save you hundreds, if not thousands of dollars. Try these six moving house tips and watch your savings soar: Don’t pay for boxes Boxes are a budget killer. What’s the first thing you think about when it comes to moving house? Boxes, right? Lots of boxes! You could just pile your stuff into a car or truck, but that’s actually an inefficient use of time and space, and potentially expensive if things get broken. The cheapest way to move is to try to find your own boxes. Moving hacks for finding free boxes: Do you have boxes at work? Ask your boss if you can take some home. Visit your local hardware store or supermarket—they usually have loads of boxes and are happy to get rid of them. Search Gumtree or Facebook for people giving away boxes after they’ve moved. Collect newspaper, old towels and blankets from friends and family for wrapping and protecting your things during the move. Hire a self-drive moving van One of the little known moving house tips is to hire your own moving van. Moving companies charge up to $120 an hour (calculated in 15-minute increments) for standard moving, including a three or four-tonne truck and two movers. Expect to pay more for specialty items (eg. a piano) or for a bigger truck or when extra movers are involved. For removalist expenses alone, a half-day move will cost around $400 and a full-day move, $800 or more. On the other hand, you could drive the truck yourself. A vehicle with up to a three-tonne limit can be driven on a normal car licence and will cost from around $100 a day, depending on your location. You will, however, have to supply your own muscle! Start ringing around early to compare prices and to snag the cheapest way to move. Putting your stuff into storage? You could save even more money with a free self-drive moving van from U-Store-It. Move on a weekday This is one of my favourite moving hacks! Whether you’re using a removalist or hiring a self-drive truck, booking on a weekday is generally the cheapest way to move. On a weekend when demand is at its highest, prices soar. It’s also usually cheaper to move in the middle of the month. The first and final few days of the month are in-demand moving days because that’s when rental agreements typically begin and end. The same is true for summer, the peak season for moving after a surge in spring home sales. Sell what you don’t want before you move Although it doesn’t seem like one of the most important moving house tips, this one can make a big difference. If you have unwanted clothes, electronics, furniture, or belongings that won’t fit in your new home, it will save space in the truck and handling time—and therefore money—to get rid of them before you move. Plan a few visits to Vinnies or the Salvos to drop off unwanted items in the weeks leading up to your move. Or turn your unwanted items into cash by having a garage sale or listing them on Gumtree or Facebook Marketplace. Decorate after you move, not before Although we’re talking about how to move on a budget, many get caught up in decorating during the process. I often see people start shopping for things for their new home before they’ve left their old one. (You’d be surprised by how much flat-pack furniture goes into storage without ever getting assembled! ) That’s why the cheapest way to move is to move your existing possessions first, without adding more to the load. Think of it this way: every item that gets handled in the move adds to space, time and, inevitably, cost. The less you move, the more you save! Get reimbursed If you’re moving for a new job and aren’t sure how to move on a budget, check with your employer to see if they will help with costs. Some companies compensate their employees for moving interstate. Check with your employer for details. For military personnel, moving expenses are often tax-deductible. Talk to an accountant or tax advisor to see if you’re eligible. MyBudget knows how to move on a budget For personalised moving hacks, custom budgets and savings plans, book a session with one of our budgeting specialists. We’ll take the stress out of moving and help you create a moving budget that won’t break the bank. About our guest blogger Kirsty Morbidelliis is the U-Store-It Facility Development Manager whose years of experience in the moving and storage industry allow her to develop and design customised solutions to suit residential, business and corporate customers’ self-storage needs. - Published: 2025-12-17 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/podcasts/escaping-financial-abuse-how-dana-said-i-deserve-better/ - Categories: Podcasts Financial abuse is a type of domestic violence that is often overlooked or dismissed. It involves controlling or manipulating someone's access to money or financial resources. MyBudget client Dana experienced years of financial abuse from her now ex-husband, and we’ve recently sat down with her in our latest MyMoney MyStory podcast episode to talk through how she overcame this chapter of her life (link below). As Dana discusses, financial abuse can leave victims feeling trapped and powerless, unable to leave their abuser or make decisions for themselves, extending their suffering and disempowering them from escaping. Sadly, Dana's past situation is not uncommon. But there is hope for those who are experiencing it. In this article, we will break down Dana’s journey of escaping financial abuse and how she came out the other side stronger than ever. Understanding financial abuse and recognising the signs: Dana’s story Financial abuse can take many different forms. In Dana’s case, she didn’t realise that her ex-husband’s actions were considered financial abuse. Victims may often have a joint account with their partner, which made matters especially difficult for Dana. Prior to meeting her abusive partner at the age of 19, she had worked hard, had savings in her account and was in a stable financial situation. She married at 21 and had a child. Dana had become unable to work due to pregnancy complications, meaning her family was relying on her partner’s income at the time. However, the household income was disappearing, but not from your typical household expenses. It was being taken out of the bank account mere moments after it was being deposited. Even when Dana was waiting by an ATM to withdraw money from the account, by the time she made it to the ATM, the money was already gone. Dana’s household spending was not higher than her household income— she and her family could not understand where the money was going. “I let him have access to my savings and it was gone. ” To this day she still does not know exactly where it was spent; all she knows is that he had come home one day and all the cash was gone. A pivotal moment for Dana was the day she went out for lunch with her close friend. Dana made a conscious effort to choose the most affordable option on the menu. But when it came time to pay, she just could not afford it. “This was our reunion lunch and she had to cover me because I was so broke. ” That was when her friend turned to her and said, “you don’t need to live like this. You deserve better. ” Seeking help and support It was her friend who recommended she reach out to MyBudget for guidance. Dana realised it was finally time to take action. She told her husband at the time; “we're going to MyBudget. ” When telling her story, she mentioned, “I had made the appointment that day. I had less than $20, I put it in my car, made him get in the car with me, went to this appointment and we went through all of our finances” “ just looked us dead in the eyes and he's like, you either have to go bankrupt because I can't see another way out or you guys can't do anything, like nothing. Everything's got to give. ” Dana gave her husband an ultimatum. He had to join MyBudget with her and commit to the strict budget, or end their marriage. “If you don't do this with me, we're done. ” At that point, he assumed she was joking. He refused to join with her, and one month later, they filed for divorce. Rebuilding financial stability and confidence after leaving an abusive relationship Dana knew what she had to do, but she also knew how hard it was going to be. “When I first joined, I was on the phone to the lady bawling my eyes out. She just sat there and I think she listened to me cry for a good 10 minutes. ” From there, she took the original advice given to her in her first meeting, which meant giving up everything for a year. She was extremely rigid with her budget, living only on the bare necessities. It got her through and she was able to clear away the debts that had been put under her name. For victims of family violence, prioritising keeping their children safe and avoiding further abuse was, and is, her priority. Three years ago, Dana’s goals were to make sure that she would have money the next week for nappies or fuel. She said it was “so rewarding because I would have never imagined any of this. ” She and her family can now afford to book their dream holidays, and following her passion for diving, she is going swimming with the sharks in Western Australia this year. “I'm grateful for all the people that have willed me on. When I didn't have the will to go, they picked me up and kept me going. Total strangers that I'm talking to through a phone are going, ‘you've got this’. ” Now, Dana is thriving. She is in a happy relationship with two beautiful children. She has financial freedom and is working toward her big dreams and financial goals. Her willpower is an inspiration to anyone; she pushed through a traumatic experience and chose to live a better life, even when her own world was against her. Resources available for those experiencing financial abuse When it comes to financial abuse, or any form of domestic abuse for that matter, it’s important to know that you’re not alone. There are discrete and confidential services out there that victims can speak to about their situations. We’ve added a few options below: Domestic Violence Hotline: The Domestic Violence Hotline is a national service that provides information, support and referral for people who are experiencing domestic or family violence, including financial abuse. The hotline operates 24/7 and can be contacted on 1800 737 732 or on their 1800RESPECT website. Financial Abuse Service: The National Debt Helpline provides a free and confidential financial counselling service for people experiencing financial abuse. They can help you with managing your finances and connecting you with other services that can help. You can find more information about the National Debt Helpline on their website. Financial Counselling: The Australian government provides financial counselling services to help people in financial distress, including those who have experienced financial abuse. Financial counsellors can provide advice and support to help people manage their finances and deal with debt, and you can find more information on MoneySmart's financial counselling page. Legal Aid: Legal Aid are available to assist people who are experiencing financial abuse. Legal Aid can help with legal advice, representation, and support for people who are dealing with financial abuse. You can find your nearest legal aid service by visiting the National Legal Aid website. Community Legal Centres: Community Legal Centres provide free legal advice, information and assistance to people who are experiencing financial abuse. These centres can help with a range of legal issues, including debt, consumer law, family law and tenancy. You can find your nearest Community Legal Centre by visiting the National Association of Community Legal Centres website. Dana is just one of 130,000 Australians we’ve helped live their lives free from money worries. If you’re experiencing financial abuse from a significant other, there is help out there. In addition to the services listed above, MyBudget is always just a phone call away. To have a chat with our friendly staff, give us a call on 1300 300 922 or enquire online. - Published: 2025-11-13 - Modified: 2026-01-20 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/your-credit-report/ - Categories: Debt Help If your credit score has taken a hit and you're wondering "How can I fix my credit score? " This guide will help you learn the fastest way to repair your credit score in Australia and rebuild your credit rating with confidence. - Published: 2025-11-05 - Modified: 2025-12-18 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/fast-fashion-vs-quality-pieces-how-to-build-a-timeless-wardrobe-within-your-budget/ - Categories: Tammy's Thoughts Discover how choosing quality fashion over fast fashion can save you money, reduce your environmental impact and help you build a timeless, sustainable wardrobe on any budget. Why choosing quality over fast fashion can save you money We talk a lot about budgeting and spending mindfully, but one area that’s close to my heart is sustainable shopping and the slow fashion movement. Making thoughtful clothing purchases helps reduce your environmental footprint while keeping your wardrobe full of timeless items that last. We’re all becoming more aware of fast fashion and the waste it creates. Clothes made from cheap materials that fall apart after a few wears end up as textile waste in landfills. That’s bad news for the environment and your budget. The good news? You don’t have to spend a fortune to create a wardrobe you'll be proud of. You just need to start thinking differently about how, where and why you buy. What is sustainable fashion? Sustainable fashion is about choosing high-quality, ethically made pieces that last, and saying no to the “buy it, wear it once” culture. It’s a shift from impulse buys to intentional investing in clothing that fits your lifestyle, budget and values. When you buy well-made clothes from ethical or good sustainable brands, you support fair work. You also reduce waste and build a wardrobe that lasts many seasons. Why is sustainable fashion important in Australia? Australians send more than 300,000 tonnes of clothing to landfill every year - (The Australia Institute, May 2024), much of it barely worn. That’s a lot of money and material going to waste. Choosing sustainable fashion brands in Australia helps reduce pollution, support local makers and slow the cycle of over-consumption that drives climate change. This is an easy way to match your spending with your long-term goals. These goals include financial security, ethical living, and a smaller environmental impact. Can shopping sustainably really save you money? Absolutely. Let’s talk about value for money, not just price tags. If you buy a $100 fast fashion coat that lasts one winter, that’s $100 a year. Compare that to a $250 coat made with quality materials that lasts, lets say, 10 years, that’s just $25 a year - a quarter of the cost over time - and it still looks great season after season. The same goes for high-quality basics, tailored blazers, denim jeans or leather footwear that can be resoled and repaired. This concept, often called cost per wear or cost per use, is the secret to affordable quality fashion. When you buy fewer, better pieces, you spend less over time and reduce clothing discarded in landfills. How to shop for high quality clothing on a budget You don’t need a celebrity wardrobe or a designer salary. Here’s how to make sustainable shopping part of everyday life: Start with a capsule wardrobe: choose classic wardrobe essentials like a little black dress, quality jeans, tailored blazers and durable shoes. Timeless style never goes out of fashion. Explore pre-loved and vintage: visit op shops, rent-a-rack stores or online secondhand marketplaces to find unique, high-quality fashion pieces that support the circular economy. Do your homework: research ethical brands in Australia that focus on sustainable production, organic cotton, natural dyes and quality craftsmanship. Think before you buy: before purchasing, picture how it fits your wardrobe. What will it go with? Can you see yourself wearing it often and still loving it next year? If yes, it’s worth it. Try our free Goal Setting Template to plan your fashion wish list and long-term goals Shop at the end of the season: take advantage of sales to purchase high-quality pieces at reduced prices, such as investing in a good winter jacket that will see you through next winter and many more. Care for your garments: follow care instructions, wash clothing gently and repair seams or stitching to extend the life of your garments. Create a budget: start budgeting to reach your fashion goals, check out our guide on how to set up a budget and download our free Personal Budget Template. Where to buy affordable quality fashion in Australia Australia has many ethical brands and good clothing labels that are doing sustainability well. You’ll find great options in: Local boutiques and markets featuring Australian designers who use natural materials and sustainable practices Online stores like Depop that specialise in affordable sustainable fashion, pre-loved luxury and high-quality basics Op shops and vintage stores where a little patience can uncover timeless treasures and classic styles. Want to see how much you could save for your next quality purchase? Try our free Savings Calculator to plan your goals, track your progress and see how achievable your wardrobe upgrade can be. What does the future of fashion look like, and how can we make it sustainable? I think the future of fashion will be about building sustainability and longevity through intentional choices that focus on value, quality and conscious design. It’s moving towards mindful, responsible living where every clothing purchase is made with purpose. Sustainable fashion means taking pride in what we wear, where it comes from and how long it lasts. Whether you’re choosing durable fabrics, moving towards a more circular economy or investing in timeless pieces, each decision helps create a better future. At MyBudget, we believe financial wellness isn’t just about money, it’s about making thoughtful choices that support your financial situation, your values and the world we live in. Ready to map out your financial future - fashion goals included? At MyBudget, we don’t just help you manage money, we help you plan your entire year ahead so you can see exactly how your goals fit into your lifestyle. Whether it’s saving for timeless wardrobe essentials, or simply wanting to feel financially free, we’ll create a tailored budget to match your fashion dreams and beyond. Our expert team does the planning so you can focus on living the life you want, free from money worries. Enquire online or call us today on 1300 300 922 to get started. Let’s plan your financial future with confidence and style. FAQs Up next: Erin and Adam: saving money and building wealth | MyMoney MyStory podcast - Published: 2025-11-03 - Modified: 2026-04-09 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-to-get-ahead-financially/ - Categories: Success Stories Discover practical ways to pay off debt, save more, and finally get ahead financially, with real-life inspiration from MyBudget clients Kylie and Scott. Why is it so hard to get ahead financially? If it feels like your money disappears faster than you can earn it, you are in the right place. According to Employment Hero, 73% of Australians live pay to pay and nearly one in two struggle to cover regular household costs like rent and groceries before payday. These numbers paint a clear picture: many people are doing their best to keep up, yet still find it hard to get ahead financially. But here’s the good news: getting ahead financially isn’t necessarily about earning more money. It’s about making the most of the money you already have with money management tips from the experts. And with the right tools and support, you can go from surviving to thriving, just like MyBudget clients Kylie and Scott. Before we get to their story, let’s start with some practical steps you can take to turn your finances around. How can I get out of debt and save money? The first step to getting ahead financially is knowing where your money’s going. Start by creating a realistic budget plan that includes your income, fixed expenses (like rent, loans, and utilities), and variable costs (like food, entertainment, and subscriptions). Our free Personal Budget Template makes it easy to map it all out. Once you have visibility of your full financial position, you can start tackling debt strategically. Types of debt like high-interest credit cards are usually the biggest drain on your finances, so focus on clearing those credit card balances first. Which debt repayment strategy should I choose? A popular debt repayment method is the debt snowball method (paying off the smallest debt first for motivation), others are the avalanche method (targeting the highest interest rates first). Either way, consistency is key. If you’re still making only minimum payments on your credit cards, read our guide on the true cost of making only minimum payments. You’ll see just how much interest adds up over time, and how much faster you could be debt-free by increasing repayments, even slightly. If you need help to get out of debt right now, download our free ebook: 6 steps to eliminate credit card debt. Should I consolidate my debt? Debt consolidation can simplify your finances and potentially lower your monthly repayments, but it’s not a one-size-fits-all debt solution. If spending habits don’t change, debt can easily creep back up. Over 70% of Australians rely on short‑term credit to get by, most often through credit cards or Buy Now Pay Later services. It shows just how many people are borrowing to bridge the gap between paydays. Employment Hero, Financial Behaviour Snapshot, January 2025 Before consolidating debt, ask yourself: Will I save on interest overall? Can I stick to a realistic repayment plan? Will this address the cause, or just the symptom? Debt consolidation can help, but budgeting is what really helps get you ahead financially. Read more in our comprehensive guide: Debt consolidation: is it right for you? What debt relief solutions are available? If you’ve tried negotiating with creditors and still can’t keep up with your bills, MyBudget can help you explore a range of debt relief solutions tailored to your situation. MyBudget's debt relief options: Budgeting support: tailored budget plans that align with your lifestyle and income to help you stay on track toward your long-term financial goals Creditor negotiation: we liaise directly with creditors and debt collection companies to negotiate reduced repayments, waived interest, or more flexible payment terms Debt management plans: we create strategies to reduce high-interest credit card debt and restore your credit score over time Debt consolidation loans: through MyBudget Loans, we can help combine multiple personal debts into one manageable repayment plan Mortgage refinancing: expert guidance to reduce mortgage stress, avoid arrears, and find breathing room in your repayments. (Try our free Mortgage Stress Calculator) Personal loans: help restructuring your repayments so they fit your lifestyle and budget Debt arrangements, Debt Agreements and Bankruptcy: when all other options are exhausted, MyBudget can offer tailored debt solutions based on your unique financial situation and guide you through the process with care and expertise. If you need general advice, you can contact the National Debt Helpline. But if you want ongoing money coaching and dedicated support, MyBudget can help you create a clear path from financial chaos to financial control, and stay with you every step of the way. How budgeting helped Kylie & Scott get ahead financially   Through heartbreak, hospital stays and financial collapse, Kylie and Scott found the one thing that got them through it all - MyBudget. With mounting bills, no income, and a newborn daughter fighting for her life, they emailed MyBudget saying: “Don’t contact us. Our baby might not make it. We have no money. ” Instead of walking away, the MyBudget money experts stepped in. They contacted creditors, landlords, and sorted out everything so the couple could focus on their family. Watch their story on YouTube or or listen on the MyMoney MyStory podcast. “I thought, 'we’re doing okay, we don’t need help. ’ But deep down, I knew I needed to change the way I thought about money”. Kylie, MyBudget client Still with MyBudget, eighteen years later, they’ve built savings, bought their first home, and are thinking about planning for retirement, all through consistent budgeting. Their story proves that financial transformation isn’t about income; it’s about having a system that works. How can I stay on track financially and build wealth long-term? Getting ahead financially doesn’t stop when the debt’s gone, that’s when the real progress begins. According to Finder’s Wealth Building Report, 38% of Australian investors say budgeting carefully and reducing expenses contributed most to their net wealth. It’s proof that consistent financial discipline, not luck, is what builds wealth over time. Here are practical ways to start building long term wealth: Automate payments and savings to stay consistent Build an emergency fund to cover at least three months of expenses Regularly review your budget plan to adjust for changes in income or expenses Set specific, meaningful financial goals, like saving for a home deposit, retirement, or a family holiday Keep learning about personal finance and celebrate milestones along the way. For more insights into common budgeting mistakes and how to fix them, read our blog: Why am I always broke? Get ahead with your finances today - take the next step Whether you’re overwhelmed by debt, living pay to pay, or just tired of the financial juggle, you don’t have to face it alone. With MyBudget, you can live your life free from money worries. For over 25 years, MyBudget has helped more than 130,000 Australians pay off debt, start saving money, and build long-term financial security. We’ll help you: Create a personalised budget that fits your lifestyle Deal with your bills and creditors for you Pay off debt faster Build savings for the future Call our Money Experts now on 1300 300 922 or book a free, no obligation chat to explore your options, and see how we can help you get ahead financially. FAQs Up next: Your money mindset is your greatest asset for financial success. Check out MyBudget's free money management tools. - Published: 2025-09-24 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/celebrating-women-in-business/ - Categories: Tammy's Thoughts I was honored to speak at the Women in Business Breakfast this week. The Office for Small and Family Business hosted this inspiring event to launch Small Business Week 2025 in Adelaide. Female founders and women entrepreneurs driving change in Australia The breakfast brought together some of South Australia’s most passionate female founders and entrepreneurs. They all share a drive to create businesses that make a difference in their industries and communities. It was a strong reminder of the progress in Australia. It also showed the ongoing need to fix systemic gender disparities, gender equality issues, glass ceilings, and gender pay gaps in the business community. Business models, growth and future-fit leaders In my talk, I shared my perspective on the importance of financial independence, not just for individuals, but for businesses too. Having a strong handle on your numbers and putting your client at the centre of every decision is, I believe, the foundation for business growth, resilience, and sustainable business models. I emphasised how support networks, mentorship, and open communication can help future-fit leaders handle technological advancements and social changes. They can also help leaders deal with challenges in traditional hierarchical structures. Panel discussion with inspiring female entrepreneurs Following my talk, I was honoured to join a panel alongside these inspiring women: Donny Walford, Founder and CEO of behind closed doors Kylie Bishop, Founder and Managing Director of Incredible U Rosanne Healy, Executive Director and CEO of Swarmer Jo Schneider, Founder of DVE Solutions and recipient of the Fearless Innovation Award. Together, we discussed the powerful stories that business numbers tell and how they can guide decision-making, strategy, and innovation. It was also an important reminder that numbers don’t just reflect past performance, they can shape the future when you know how to read and use them. For business entrepreneurs, this ability to adapt with foresight is what drives long-term success. Australian Government support for female entrepreneurial success I was also delighted to connect with Minister Andrea Michaels, representing the Australian Government, who continues to champion women in business and highlight the role small businesses play in South Australia’s economy. Her support, alongside programs that provide resources, funding, and inclusion, is critical for female entrepreneurial success. Walking away from the event, I felt energised and proud to be part of such a vibrant business community. Female business leaders are not only driving growth and innovation, we are also showing the next generation what’s possible when you back yourself and your ideas. Building community, inclusion and resilience As a female founder and director, I’m passionate about helping women build financial confidence, embrace money management, and create businesses that can thrive. When women entrepreneurs succeed, the impact extends far beyond our balance sheets, it strengthens our families, our communities, and our economy. Actions like gratitude practice, employee recognition, and a focus on diversity and inclusion can help shape more positive, resilient organisations across industries in Australia. Whether you’re just starting out as a female entrepreneur, growing your business, or already established, I’d love to connect and continue the conversation. Follow me on LinkedIn for more insights on business, leadership, and financial confidence. Here’s to a future where more women in business feel empowered to lead with confidence, courage, adaptability, and vision. - Published: 2025-09-22 - Modified: 2025-12-17 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/your-money-mindset-is-your-greatest-asset/ - Categories: Tammy's Thoughts We often hear about the importance of budgeting, saving money, and investing when it comes to financial wellbeing. And while these practical tools are undeniably crucial, there's an underlying, often overlooked, asset that can truly make or break your journey to financial success and overall happiness: your money mindset. How does your money mindset affect your financial situation? Think about it. We’ve all faced challenges, both big and small. Perhaps an unexpected bill landed in your lap, or you hit a roadblock in your career. It's in these moments that your internal dialogue, your perspective, and your relationship with money become your most powerful allies, or your most significant obstacles. A positive mindset isn't about ignoring problems or pretending everything is perfect. It's about approaching difficulties with a fundamental belief that there's always a way out. I've met thousands of clients and I know there is always a way. It's about seeing setbacks not as dead ends, but as opportunities to pivot, learn, and find a new path forward. This belief in finding a solution, no matter how daunting the challenge, is the cornerstone of true financial resilience. How does a positive mindset influence your financial decisions? Resilience in the face of setbacks: a positive money mindset allows you to bounce back faster when your household finances or budget don’t go to plan. Instead of spiralling into despair over loan repayments, credit card bills, or buy now pay later debt, you’ll be more inclined to calmly reassess, adjust your Budget Planner, and seek a practical solution. Empowerment over victimhood: if you believe you are a victim of circumstances, you'll feel powerless. A positive mindset shifts this into empowerment, helping you take control of your financial management, whether it’s improving your credit score, reducing expenses, or building an emergency savings fund. Opening doors to opportunity: when you approach your financial goals with optimism and abundance, you’re more likely to spot opportunities, a new income stream, an investment strategy, or a smarter way to manage bank statements and household utilities. Motivation for consistency: whether it’s paying off a home loan, building an investment portfolio, or growing your retirement fund, a positive mindset fuels motivation to stay consistent with your financial planning. Reduced stress and better decision-making: research from Monash University tells us that optimism about the future is linked to saving more often. With a positive outlook, you can make clearer, more strategic financial choices. Can a negative mindset affect your financial situation? Yes, a negative mindset can hold you back financially. Insights from the same Monash University study show that people who feel pessimistic about their financial situation are less likely to save and more prone to harmful money habits. This kind of outlook can lead to poor financial decisions driven by: Fear Avoidance Limiting beliefs. For example, you might avoid opening bank statements, feel overwhelmed by loan repayments, or assume you’ll never improve your credit score. Negative money thoughts can also fuel stress, damage mental health, and make it harder to spot opportunities. Over time, this can impact wealth accumulation, borrowing power, and overall financial wellbeing. Knowing when to ask for financial help And here’s a crucial point: it’s okay to ask for help. In today’s world, many of us feel pressure to figure everything out alone, especially when it comes to money management. But asking for help is not a weakness, it’s a sign of strength and wisdom. It shows you believe in solutions and are willing to leverage financial education and the expertise of others. Whether it’s a financial advisor, a trusted friend, a family member, or a professional service like MyBudget, reaching out can provide new perspectives and strategies. You don’t have to carry the burden of debt, budgeting, or financial behaviour changes alone. At MyBudget, we've seen countless times how a shift in money habits, combined with support, can spark financial transformation. It’s not just about the numbers; it’s about believing in your capacity to improve them, building on your financial literacy, and creating a life where you don’t have to worry about debt, bills, or creditors. Book a free online appointment with one of our money experts now to see where you could be financially 12-months from now. Practical ways to cultivate a healthy money mindset Practice gratitude: use a gratitude journal to regularly acknowledge the good things in your life, however small. Challenge limiting beliefs: question negative money thoughts. Are they accurate, or are they old money stories from family influences holding you back? Surround yourself with positivity: wealthy people often build strong support networks. Spend time with people who uplift you and promote positive financial habits. Set achievable goals: use a vision board or a free Budget Planner to celebrate small wins, paying down credit cards, building automatic savings plans, or reaching an emergency savings fund target. Focus on solutions, not problems: direct your energy towards solutions, whether that’s refinancing to manage interest rates, reviewing bank statements to cut subscriptions, or reaching out to MyBudget to take the first steps to get out of debt. Embrace asking for help: seeking advice from financial advisors or using budgeting apps isn’t weakness, it’s a smart investment in your financial wellbeing. Final thought: your money mindset is the foundation of your wealth Your mindset is your most valuable asset. Nurture it, protect it, and remember, there is always a way out. Whether you’re working on saving money, planning for superannuation, or building wealth accumulation through investment strategies, sometimes the bravest move is reaching out for support. With the right financial habits, financial literacy, and a resilient mindset, Australians everywhere can take charge of their household finances and create a future filled with confidence and financial wellbeing. Want to find out more about having a healthy mind? Check out my 7 Secrets to a healthy mind blog. - Published: 2025-09-15 - Modified: 2026-07-14 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/meal-planning-to-save-money/ - Categories: Savings Tips Want to know how to start saving money on groceries in New Zealand? This blog shows how a meal planning money saving plan can cut your grocery bill and help you reach long-term savings goals like buying your first home. Tammy Barton, Founder & Director of MyBudget shares her top tips on how meal planning to save money helps you reach your money goals faster. Meal planning or meal prepping is one of the easiest ways to save money in your household budget, especially if you’re trying to reach big financial goals like saving for a house or saving for a holiday. By planning your meals in advance, you cut down on food waste, avoid last-minute takeaways, and stretch your weekly budget further. Think of it as the ultimate money saving plan that works quietly in the background, helping you feel organised and in control of your household. What are the benefits of meal planning? A money saving meal plan delivers more than a lighter grocery bill, it helps your health, time, and stress levels too. Key benefits include: Financial benefits Saves money by reducing impulse purchases and lowering your grocery bill Cuts food waste by using what you already have and planning around it. Health benefits Promotes healthier eating with balanced meals and portion control Reduces unhealthy food choices by avoiding last‑minute Uber Eats. Time & stress benefits Saves time with fewer shopping trips and faster meal prep Lowers stress by eliminating daily “what’s for dinner? ” decisions. More benefits Keeps you organised with shopping lists and set ingredients Encourages variety by trying new recipes and cuisines. It’s a budget win, a lifestyle upgrade, and a boost for your overall wellbeing. How much money can meal planning save? By combining meal planning with other simple money saving methods, MyBudget clients Erin and Adam saved $70,000 for a house deposit while still enjoying home-cooked meals and sticking to their money goals. Erin says: “We didn’t feel like we were missing out. Having meals planned meant we had more control and less temptation to overspend. ” Erin and Adam are proof that these small, repeatable habits work. Their money saving plan was built on practical, everyday choices, and it worked. Want to know how they did it? Read Erin & Adam’s financial story and see how smart planning turned into financial freedom. “We laid out what we were spending over a year and thought, maybe if we just halve that amount, it’ll get us to what we want to achieve much sooner. ” Erin | MyBudget client How to save money on groceries with meal planning Wondering how to start saving money fast with meal planning? It doesn’t need to be overwhelming. Here’s how to get started: Check your pantry and freezer: build meals around what you already have Pick recipes you’ll actually eat: rotate them each week to keep it simple Write your grocery list: stick to it and shop smarter by checking specials Prep slow cooker dump bags: a simple, time‑saving way to meal prep and reduce food waste Use supermarket home brands: cheaper, often the same quality Shop seasonal fruit & veg: fresher and more affordable. For a head start, use our Personal Budget Template to see how meal planning and grocery savings fit into your weekly budget. Why can't I stick to my meal plan? If you’ve tried meal prepping before and it hasn’t worked, MyBudget can help. Sticking to a meal plan can feel impossible when life gets busy. The key is to make it flexible and realistic: Start small: aim for 3-4 planned dinners a week instead of seven Stay flexible: swap meals around depending on your schedule Cook what you enjoy: no point planning meals nobody in the family likes Batch cook and freeze: future you will thank you on hectic nights Have backup options: keep easy “lazy night” meals on hand, like omelettes or pasta Meal planning isn’t about being perfect, it’s about setting yourself up to save money, reduce stress, and make everyday life a little easier. Extra money saving tips to save on groceries in New Zealand Beyond meal planning, there are more ways to cut your grocery bill without compromising on healthy eating: Shop the weekly sales and build meals around discounts Try meal prepping lunches instead of buying out Cook double portions and freeze leftovers for busy nights Plan a meat-free meal Avoid impulse buys by eating before you shop. These strategies help you save money while still eating well. Want to see how small weekly grocery savings add up? Use our Savings Calculator to find out how your meal planning wins could turn into thousands towards bigger goals like a house deposit. How else can I save money on household bills in New Zealand? Meal planning is a great money saving tool, but it’s only one piece of the puzzle. Reducing your overall expenses means you free up even more for your money saving plan. Quick tips include: Switch to LED bulbs and use cold water washes to cut electricity costs Adjust heating/cooling by a degree or two to save up to 10% Compare energy, phone and internet providers regularly for better deals Plan meals around specials and stick to a shopping list to save on groceries Audit subscriptions to avoid paying for unused services. Ready to get a money saving plan that works? Meal planning to save money is just the start. MyBudget has helped over 130,000 people pay off debt, build savings, and reach their long-term financial goals without the stress of going it alone. We’ll set up a money saving plan that works for your lifestyle, meal plans, groceries, bills, savings, and everything in between. Start by downloading our free 2-week meal planner by Accredited Practising Dietitian, Samantha Stuk. Then, let’s chat about how MyBudget can help you: Pay bills on time Get out of debt and save for long-term goals Build an emergency fund Live life free from money worries. Because your house deposit, holiday, or financial freedom could start with something as simple as a money saving meal plan and a shopping list. Enquire online now and one of our expert Money Coaches will be in touch, or call 09 849 6285 for immediate financial relief. For even more ideas, check out our comprehensive guide on how to save money in New Zealand. Packed with even more practical tips to boost your savings plan. FAQs: Saving money and meal planning in New Zealand Can grocery savings help with bigger financial goals like a mortgage deposit? Definitely. As Erin and Adam proved, combining meal planning with a money saving plan helped them save $70,000 for their house deposit. Small weekly savings add up to big wins for your financial situation.   What is the best money saving plan for groceries in New Zealand? A realistic plan includes meal planning, shopping lists, and using comparison sites to find the best supermarket deals. This keeps your grocery bill predictable and your savings account growing. How can I save money fast on groceries without sacrificing health? Shop seasonal fruit and veg, swap to supermarket home brands, and prep meals in advance. These saving habits lower expenses and still support a healthy diet. What are the easiest ways to start saving money each week? Start small: set up a savings account, cut subscriptions like Netflix or Spotify you don’t use, and redirect those small amounts into your emergency fund or savings goal. Is meal planning really cheaper than takeaway in New Zealand? Yes. Even with rising cost-of-living pressures, cooking at home is significantly cheaper than regular takeaway. Meal planning helps you budget for groceries and avoid credit card debt linked to overspending. Can grocery savings help with bigger financial goals like a mortgage deposit? Definitely. As Erin and Adam proved, combining meal planning with a money saving plan helped them save $70,000 for their house deposit. Small weekly savings add up to big wins for your financial situation.   - Published: 2025-09-10 - Modified: 2025-12-18 - URL: https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/spring-clean-your-finances-australia/ - Categories: Budgeting Tips Now is the time to take control of your money. A fresh season is the perfect chance to dust off your money goals, pay off debt faster, start saving, and reach your financial goals with confidence. At MyBudget, we believe every day is the right day to get your personal finances organised. Freshen up your money goals this spring: budget better, pay off debt faster, and start saving with MyBudget. Spring clean your money: budget better, get out of debt and start saving Spring cleaning your finances is like decluttering your home, except you’re tackling bank accounts, utility bills, and habits instead of cupboards. Review your budget. Cancel subscriptions you don't use. Compare different insurance policies. Make sure your money goes to important things. These include paying off debt, building savings accounts, and reaching your long-term financial goals. “Being with MyBudget has really helped us achieve our goals faster than we ever thought possible. ” Erin & Adam, MyBudget clients Why a healthy money mindset is the key to creating good financial habits  Practising a healthy money mindset is the first step to a successful financial spring clean. Even if your financial start hasn’t been perfect, it’s never too late to change your money story. Mindfulness around spending, saving and credit helps you stay intentional with your choices. Small shifts can have a big impact, such as: Do a weekly money check-in with your partner or family Create a realistic money plan that matches your lifestyle and goals Practise gratitude for progress made, no matter how small Reframe setbacks as learning opportunities rather than failures Focus on what you already have instead of what you lack Visualise your long-term financial goals to stay motivated Remind yourself that small, consistent progress builds wealth over time Talk kindly to yourself about money, avoiding guilt or shame. For more inspiration on how to have a healthy mindset, check out Tammy Barton's blog on 7 secrets to a healthy mind. 10 tips to spring clean your finances These quick money saving tips will help you budget better, reduce debt, and boost your savings with confidence. 1. Review your budget If you’re wondering how to start a budget or how to budget better, begin by checking your account statements and transaction history. Are you still paying for things you don’t need? Is your household budget aligned with your lifestyle and long-term financial plan? Use our free Personal Budget Template and other budget planning tools to get a clear picture of your income, monthly bills, and savings potential. 2. Subscription audit Streaming and entertainment services, apps, gym memberships, small costs add up quickly. Go through your bank account and cancel anything you’re not using. Our subscription creep guide is packed with money saving tips to help you spot sneaky holes in your budget. 3. Get a better deal on bills With the rising cost of living, saving money on household bills can free up much-needed cash. Use our get a better deal checklist and comparison tools to check providers for electricity, car insurance, health insurance, and phone plans. This simple deep clean of your financial position is an easy way to get ahead financially without big sacrifices. 4. Set realistic financial goals Want to buy your first home, save for a house deposit, or pay off credit card debt?  Clear goal-setting gives you focus. At MyBudget, we’ll help you create a savings plan or debt management strategy that balances today’s needs with tomorrow’s dreams and helps you reach your long-term financial goals. 5. Start an emergency fund Life happens, cars break down, kids need braces, jobs change. An emergency fund is essential to help with debt or avoid relying on personal loans. Even a small buffer of $500 to $1,000 makes a big difference. Need more assistance getting set up for an emergency, check out the full blog: How to set up an emergency fund. I am very happy that l’ve joined MyBudget. It takes commitment and time but the results are great. They set me up to have the life style of my choice. Giovanni, MyBudget client 6. Sort out your superannuation Your super fund is one of your biggest long-term assets, yet many people lose money through duplicate accounts or missing paperwork. Take time to: Check your nominated beneficiaries are up to date, and ensure any binding beneficiary nomination forms are signed, submitted, and kept current (they generally need to be renewed every three years). Find and consolidate any lost super to avoid duplicate fees, use the Australian Taxation Office Super Finder Tool. Research the best-performing superannuation fund for your situation. Sorting your super now is a powerful step toward long-term financial planning and security. 7. Start meal planning Food and drink are one of the biggest areas where households overspend. Meal planning to save money helps you avoid last-minute takeaways and impulse grocery buys. Use our free Meal Planning on a Budget Guide to create tasty, affordable meals while saving money on groceries. 8. Boost your savings Automating transfers into a high-interest account helps you build savings consistently. Whether it’s for a holiday or a house deposit, a structured savings plan helps you stay motivated and see results faster. Use our Savings Calculator to see how quickly you can start saving money. 9. Refinance your home loan When was the last time you checked if your home loan rates are still competitive? With interest rates changing, a quick home loan health check with MyBudget Loans could reveal ways to reduce your interest payments, save money on household bills, or pay off your mortgage faster. Our specialists will review your financial documents and guide you through the pros and cons of refinancing. 10. Consolidate credit card debt Credit card debt and Buy Now, Pay Later accounts can quickly spiral out of control. Consolidating debt into one manageable repayment can reduce interest, simplify your monthly bills, help you get out of debt and save money faster. Our team can provide debt relief solutions, personalised strategies for paying off credit card debt, and help with debt management so you regain control.  Is debt consolidation right for you? FAQs for spring cleaning your finances What is financial spring cleaning? It’s the process of reviewing your household budget, cutting unnecessary costs, and setting new financial goals. Think of it as a seasonal deep clean for your money. How often should I spring clean my finances? Don’t wait for spring to review your finances, start right now. MyBudget recommends reviewing your budget every few months, or whenever your financial position changes, such as starting a new job, moving house, or taking on a loan. Can spring cleaning my finances help with debt? Yes. It can highlight areas where you can free up money to pay off credit card debt or consolidate debt into one manageable repayment. Does MyBudget offer tools to help with financial spring cleaning? Absolutely. We provide free budgeting tools, calculators, and resources to help you manage money better. {"@context":"https://schema. org","@type":"FAQPage","url":"https://www. mybudget. com. au/blog/budgeting-tips/spring-clean-your-finances-australia/","@id":"https://www. mybudget. com. au/blog/budgeting-tips/spring-clean-your-finances-australia/","mainEntity":} Tammy Barton, MyBudget Founder & Director, shares expert tips on how Australians can save money on household bills, reduce money stress, and get ahead financially. How MyBudget can help you reduce money stress and achieve your financial goals Spring cleaning your finances isn’t just about saving a few dollars, it’s about creating a financial plan to reduce money stress, strengthen your financial position, and achieve your long-term goals. At MyBudget, we’ve helped over 130,000 Australians manage money better, reduce debt, and build savings for the future. If you’re ready to see what your next 12 months of money could look like, book a free appointment with one of our caring money experts today or call us on 1300 300 922. - Published: 2025-08-28 - Modified: 2026-07-14 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/savings-tips/how-to-save-money-in-australia-our-ultimate-guide/ - Categories: Savings Tips Are you struggling to save money and break free from living payday-to-payday, especially with today’s rising cost of living? Learn how to start saving money, create a money saving plan, and take control of your financial situation with a smart budget that helps you reach your financial goals. Saving money with a budget plan Saving money isn't just about hoping there's something left at the end of the month; it's about having a clear savings plan that prioritises your expenses, sets financial goals, and reduces money stress. Without a solid approach, unexpected costs can quickly lead to credit card debt, loans, or dipping into savings accounts. Waiting for payday is exhausting, but a strong budget can change everything. In this guide, we'll cover practical money saving tips, budgeting strategies, and ways to cut household expenses so you can achieve your savings goals. Whether that's buying your first home, saving for retirement, or building an emergency fund. How do I start a budget and save money faster? If unexpected bills keep knocking you off track, the best way to save money is to set up a personal budget. A well-structured budget matches your income with your expenses and helps you stick to your savings goals. What are the steps to start a budget? Here are 4 easy steps to do a budget: Download MyBudget's free Personal Budget Template: It’s a simple tool that helps you set up your money saving plan List all your income sources: salary, side hustles, government benefits, and any other money coming in Track your expenses and categorise them: break them into fixed expenses (rent, home loans, insurance, subscriptions) and variable costs (groceries, transport, entertainment) Review and adjust regularly: cut non-essentials, redirect money into savings accounts, and tweak your plan when costs or income change. Even small savings can add up. Sticking to a budget helps you save money fast and build towards bigger financial goals. Looking for a more in-depth guide on how to budget better? Check out our step-by-step guide: How to set up a budget. How can I automate my savings? Automating transfers is one of the easiest ways to build consistent monthly savings. Set up an automatic transfer from your bank account to a separate savings account each payday. By making saving automatic, you’re far more likely to stick to your money saving plan. What is the best savings account in New Zealand? The best way to grow your savings fast is by finding a high-interest savings account. Compare banks, interest rates, and reviews, and look for bonus savings plans that reward regular deposits. Separate your savings from everyday bank accounts to avoid temptation and help achieve your financial goals sooner. How to save money on groceries with meal planning Meal planning, or meal prepping is a proven way to save money fast on groceries and reduce food waste. By creating money saving meal plans and sticking to a shopping list, you’ll cut down on impulse spending and lower your food bills. Do you need meal prep inspiration? Check out our complete guide on Meal planning to save money. Top tips to save money on groceries Buy seasonal produce and swap brands for cheaper alternatives Reduce food waste by storing and reusing leftovers Stick to a shopping list to cut overspending Use loyalty programs for extra savings. Looking for more money saving tips? Check out our blog on how to spring clean your finances. How do I save money on household bills in New Zealand? Cutting household bills is one of the quickest and most effective ways to free up cash for savings. By reviewing energy, insurance, and service providers regularly, you can often uncover big opportunities to reduce expenses and put more money towards your financial goals. Tammy Barton, Founder and Director of MyBudget, recommends these expert money saving tips: Cut your electricity costs: switch to energy-efficient bulbs, use cold water for washing, turn off standby appliances, and compare providers regularly Stop overpaying for your phone and internet: compare plans every 12–24 months, bundle services, consider prepaid, and negotiate better deals Save money on groceries: plan your meals, shop the sales, try home brands, and consider Aldi for pantry staples Audit your monthly subscriptions: cancel unused ones, rotate services, or share family plans to save hundreds a year. Every dollar saved on bills is money that can go into your emergency fund, retirement savings, or a house deposit. Want more tips to cut your household bills? Read Tammy's full guide on how to save on household bills. How can I save thousands on big-ticket items? To save thousands more, focus on cutting your biggest household costs like home loans, cars, and energy bills. Should I refinance my home loan? Refinancing your mortgage could save you thousands each year, especially if interest rates drop. MyBudget Loans clients save an average of $10,000 annually on repayments. A home loan check-up is one of the best ways to free up money for savings. Book a free home loan health check with the MyBudget Loans team right now. Is downsizing my car worth it to save money? Yes. According to the RACV, downsizing your car or selling a second vehicle can save up to $5,000 a year on loan repayments, insurance, and fuel costs. Can renting out unused space help me save more ? Absolutely. Renting out a spare room, garage, or storage space can add extra income to your budget. The Flatmates. com. au Share Accommodation Survey 2024 found that 72% of people said rent relief was their main reason for sharing. Almost half said they could not afford to rent a whole property by themselves. More young New Zealanders are sharing living costs due to the high cost of living and it’s a practical way to reach savings goals faster, such as saving for a home deposit. Client success story: Erin & Adam saved $70,000 for a house deposit in under two years with MyBudget. Hear their journey on the MyMoney MyStory podcast. What are quick ways to save money today? Do a subscription services audit. See our full guide: How to stop subscription creep. Sell clutter online for quick cash. Get started here: how to sell things on eBay Try a no-spend money challenge to spend less and save fast Buy second-hand on Facebook Marketplace to save on anything from clothes to fridges. Save money on coffee: make barista-style espresso at home. Curious how much you could save? Try the MyBudget Savings Goal Calculator to find out now. How much do I need in an emergency fund? At MyBudget, we suggest a minimum of 3-months of expenses in a separate savings account. You can start by saving small amounts, redirecting tax returns, or taking on a side hustle. Having an emergency fund reduces reliance on credit cards and helps protect your financial situation. If you're ready to take your savings to the next level and want a strategy that helps keep you on track, MyBudget is here to help. How can MyBudget help me save money? For over 25 years, MyBudget has helped 130,000+ people reduce money stress and build long-term savings. We provide: Personalised budget plans Debt relief solutions Expert support to achieve savings goals. Imagine where you could be 12 months from now with a clear savings plan in place. Enquire today or call MyBudget on 1300 300 922 and take the first step towards financial freedom. - Published: 2025-08-25 - Modified: 2025-08-25 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-stress-less-about-money/ - Categories: Debt Help Financial stress impacts all aspects of our life.. See how Pete and Alyssa overcame their money problems and became less stressed about money. Money stress is something nearly every Australian is feeling right now. Rising bills, interest rates, and the cost of living make it harder to stay on top of everyday finances. If you’re always stressed about money, you’re not alone. But what if you could take back control and feel confident about your money again? Let’s break down what financial stress looks like, why it affects so many of us, and most importantly; how to stress less about money. 54% of Australians report going into debt to make ends meet. WeMoney, 2024 What is financial stress and why does it matter? Financial stress is more than just having overdue bills. It’s that constant worry about whether you can keep up with expenses, cover debts, and still move towards your financial goals. It affects mental health, relationships, sleep, and work performance. When money feels out of control, it impacts every area of life; which is why finding solutions matters. Beyond Blue, 2024 Why are so many Australians stressed about money? The WeMoney 2024 Financial Wellness Report highlights the biggest money stressors: Having to make cutbacks in everyday spending Worrying about affording basics like groceries and energy bills Struggling with high-interest credit card debt Not having enough money to cover an emergency. These everyday pressures explain why almost half of Australians say they feel anxious or overwhelmed about money. It’s not just numbers on a report, it’s about stability, confidence, and peace of mind. How does money stress affect your health and life? Money stress isn’t just financial, it’s emotional and physical too. It can leave you feeling anxious, exhausted, and disconnected. Reports such as WeMoney show that financially stressed Australians are less likely to rate their mental health as good, and many avoid dealing with money altogether. This has a ripple effect on relationships, work, and even long-term goals. To help manage both the financial and emotional side of stress, you might want to begin budgeting right now. Check out our guide on how to set up a budget or download our free Personal Budget Template. How do I stop stressing about money? Reducing money stress takes a plan, and some supportive steps to turn those good intentions into action. 5 Steps to stop stressing about money: Create a personal budgetThe first step to stopping money stress is to set up a budget. It’s your financial roadmap, showing what’s coming in, what’s going out, and where your money can take you. This is where your true money potential lies. Build an emergency fundEven a small buffer of savings can turn unexpected bills into manageable bumps instead of a full-blown crisis. It’s one of the smartest ways to reduce money stress and protect your financial confidence. Pay off high-interest debtPaying off high‑interest debt, like credit cards and payday loans, is one of the most effective ways to reduce financial stress. It frees up cash flow, cuts down on interest charges, and improves your overall financial health Automate your financesDirect debits and automatic transfers keep bills and savings on track; less admin, less money stress, and more confidence knowing everything is paid on time. Talk openly about money stressShare your financial goals and challenges with your partner or family. Teamwork reduces financial stress and builds accountability. You might also explore the concept of loud budgeting, as Tammy Barton, MyBudget Founder and Director explains in her blog on how loud budgeting is helping Australians talk about their money choices, set healthy boundaries, break down money taboos, and feel more supported in reaching your financial goals. Practice mindful money habitsStay present with your spending and recognise triggers that lead to overspending. Adjust your money mindset by focusing on needs vs wants, and make mindful choices that align with your financial goals. Small, intentional steps like this add up to less money stress and more confidence. Get help with money earlyMost of our clients say they wished they had called us sooner... so imagine where you could be one year from now if you start today. Book your free appointment today and get a free 12‑month tailored budget plan with no lock‑in contract. Yes! I want to stop stressing about money today! “At MyBudget, we believe that budgeting is not something you do, it’s something you live... If you have the right system in place, from day one, you know you’re on track to achieve your goals. ” Tammy Barton, MyBudget Founder & Director How Alyssa & Pete became debt-free on one income: MyBudget client success story Alyssa and Pete, Australian parents of three, found themselves using credit cards to cover unexpected expenses and struggling to stay ahead. Despite earning well, they felt trapped by debt and constant money stress. With MyBudget’s help, they: Paid off more than $65,000 in debt Transitioned successfully to living on a single income Gained the clarity and confidence to start saving. “There is not a financial decision that I will make without calling and talking to them first. ” Alyssa, MyBudget client What debt help is available when you are feeling stressed about money? If your money stress is caused by unmanageable debt, you’re not alone. MyBudget helps clients explore a wide range of debt relief solutions, including: Debt management plans and repayment strategies Debt consolidation loans Negotiated hardship arrangements Formal debt agreements (such as Part 9 Debt Agreements) We work with you to create a tailored personal budget and debt solution so you can move from financial stress to financial freedom. Is it time to get help with money stress? Money stress doesn’t have to be your story. With a tailored budget, debt solutions, and financial support, you can take back control of your money, achieve your financial goals, and build the life you want, free from money stress. Join the 130,000+ Australians who’ve turned their finances around with MyBudget. Enquire online or call us today on 1300 300 922 to start your journey to financial freedom. - Published: 2025-07-23 - Modified: 2026-01-22 - URL: https://nz.mybudget.com.au/moneyhub/articles/tammys-thoughts/is-inheritance-your-only-hope-of-buying-a-home-in-australia/ - Categories: Tammy's Thoughts Have you ever thought that waiting for an inheritance is your only way into the housing market? I'm Tammy Barton, Founder and Director of MyBudget, and I want to share how creating your own financial independence through budgeting is achievable, and is the most powerful step you can take toward financial security.   Why are so many Australians relying on an inheritance? At MyBudget, we're hearing from families who are worried their kids might never be able to buy a home. And I get it, the numbers are confronting. According to PropTrack, national home values hit a record median of $923,000 in June 2025, and they’ve been rising steadily for years. This means buying your first home now requires far larger deposits than what the average young Australian can save alone or even as a couple. Add in stagnant wages and the rising cost of living, and it's no wonder so many Australians are looking up the family tree as their financial plan. While it might seem like a good idea, I want to share why I believe building your own financial independence is not only more reliable, it's empowering. The inheritance illusion: why waiting isn't a plan We're in the midst of what's being called the "inter-generational wealth transfer," a massive handover of wealth from Australia's ageing Baby Boomer population to younger generations. According to Finder, 2025: 10% of Australians are relying on an inheritance to achieve a major financial goal like buying a home or retiring. But there's one problem: nearly half of Australians say their family isn’t in a position to even leave an inheritance. While it's true that trillions are expected to pass down over the next two decades, relying on a future windfall comes with fine print. Inheritances often arrive late in life, vary greatly in size and you could be hit with an inheritance tax. How budgeting changed my life (and set me up for the future) Budgeting has been absolutely critical in my journey to building wealth. From the moment I got my first job, I wrote out a budget every single week. This became even more important when I started having to pay bills at 16 - things like car registration, insurance, petrol, and even buying my own food. Budgeting taught me the fundamental principle of living within my means and how to save up for what I wanted. Although, I did take out a car loan at 18 as my $700 Mitsubishi Galant was unreliable (to say the least! ). I budgeted to pay my new car, a Ford Laser, back twice as quickly as required. That discipline stuck with me. Relying on an inheritance vs creating your own financial independence My strong view is to always create your own financial independence. Over the years, I've seen many clients receive inheritance only to lose or spend them quickly. It's often "easy come, easy go. " You simply cannot rely on anyone else's money because it might not be there, or it might not be the amount you anticipate. Building your own wealth instills discipline, knowledge, and a sense of accomplishment that inheritance rarely provides. Talk to your kids about money: start the conversations early Here’s a big one: inter-generational wealth isn’t just about inheritances. It’s about conversations. I definitely talk to my kids about money, but we don't focus on family wealth. Our conversations revolve around how they can achieve financial independence by buying their own homes, saving, and investing. From a young age, I've garnished their Christmas and birthday money and saved it in the bank for them (before they could spend it! ). This allowed them to buy their first cars! My kids are aware that what I have will ultimately go to them one day. However, they also hear me tell my own parents, "I don't want any money from you; I want you to spend every last penny before you go and enjoy your life! " So, the philosophy is to save while you're young and spend before you go! I believe many parents feel a strong sense of responsibility to provide for their children, and leaving money behind when they pass is often seen as the right and noble thing to do. However, I also think there’s a responsibility to ensure that wealth creates meaningful opportunities, like a home deposit, education, or support for future generations. A legacy isn’t just money, it’s the values you pass on I love the idea of leaving a legacy, but for me, it’s never been just about money. A true legacy is the values, lessons, and positive impact you leave behind. It’s the imprint you make through your actions, character, and the principles you live by. For me, that means raising independent, responsible, and compassionate individuals who know how to manage money, but also how to make a difference. Wealth matters, but it’s what you do with it, and how you prepare the next generation, that counts most. I've received an inheritance, what should I do with it? Inheritances don’t come with instructions, but a solid budget can make sure your inheritance money doesn’t vanish overnight. Whether you’ve received a deposit boost, a lump sum, or help paying down debt, having a plan is what turns one-time money into long-term financial freedom. MyBudget can help you protect what you’ve inherited and turn it into real, lasting progress toward your financial goals. So should you just wait for an inheritance to buy a home? Simply put: no. An inheritance windfall could be helpful someday, but as a housing strategy, it’s unreliable. Waiting may push your home ownership dreams even farther away. Instead, shape your own future with the tools you’ve got, whether that’s having a realistic budget plan, strengthening your investment portfolio, starting your retirement savings plan or saving with purpose. My final tips to build your own financial independence and not rely on an inheritance? Save as much as you can. Budget carefully. Invest wisely. And don’t buy stuff you don’t need. That’s the kind of mindset that builds wealth, whether an inheritance comes your way or not. Ready to take the first step toward building financial independence? At MyBudget, we’re here to help you build the savings, structure, and strategy to own a home and save for life's goals on your terms. No inheritance needed. Enquire online or call MyBudget on 1300 300 922 and let’s start your journey to building your wealth today. More blogs on saving: Why am I always broke? How to break the cycle and save money. How to buy a home in 2025: debunking myths and tips for success. - Published: 2025-07-09 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/summer-budgets-are-made-in-winter/ - Categories: Budgeting Tips Get ahead of the holiday rush with MyBudget’s expert tips and tools to start your Christmas budget plan in July and enjoy a stress-free, debt-free festive season. Can I really start budgeting for Christmas in July? Absolutely, and it might be the best thing you do all year. While the scent of gingerbread and the jingle of bells might feel months away, winter is the perfect time to prepare your Christmas budget. Think of it as your financial pre-season training for the festive season. We know it all too well: December sneaks up and suddenly Christmas spending on gifts, travel, food and festivities blows up your budget like a box of dodgy bonbons. That January bank statement, full of credit card debt and interest payments, can be brutal. But this year, let’s flip the script. At MyBudget, we believe summer budgets are made in winter, and we’ve helped over 130,000 people prepare for life’s big moments, including the silly season. Start now and give future you the best gift of all: financial peace of mind. Why should I plan my Christmas budget in winter? To avoid debt and last-minute stress Starting early means you can spread the cost across multiple pay cycles. Instead of scrambling for hundreds in December, you might only need to save $30–50 per week. That’s a manageable way to avoid racking up credit cards and facing high interest. To shop smarter From EOFY deals to Black Friday sales, July is prime time to grab bargains. Having a gift list and budget now means you’ll avoid panic buying later, and can snap up discounts along the way, whether it’s for a thoughtful present or a Secret Santa surprise. To plan for everything Christmas isn’t just presents. There’s food, Christmas decorations, petrol, Christmas cards, festive outfits, and maybe even a Christmas pudding or two. Planning now means fewer surprises later. What’s the best way to save for Christmas? Not sure where to start? Download our free Christmas Budget Template, it’s designed to help you list expenses, set a savings goal, and track your festive season spending without the overwhelm. Work out your total spend: think Christmas gifts, food, travel, events, wrapping paper, donations, the lot Divide and conquer: break it down by the number of weeks or paydays until mid-December Automate your savings: whether it’s a separate account, a Christmas savings club, or your MyBudget plan, make it automatic Start your gift list now: jot down names, ideas and budget limits, even for your Kris Kringle Watch for sales: tick off items as you find them at great prices, from festive pyjamas to a new Christmas tree. How can MyBudget help? With MyBudget, we’ll help you plan ahead, automate your Christmas savings, pay your bills on time and still have money for summer fun. Our expert money coaches create personalised plans that align with your goals, so December feels joyful, not stressful. Want a debt-free Christmas? Let’s start planning now, from your Christmas order to your holiday expenses, we've got you. Request a call from a money coach or call MyBudget today on 09 849 6285. Want more inspiration? Learn how to create a Christmas budget in under 30 minutes. - Published: 2025-06-30 - Modified: 2025-06-30 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/why-am-i-always-broke/ - Categories: Money Management Wondering why you're always broke? Discover spending habits, money traps, and budgeting tips that help Australians stop living pay to pay. Even if your financial beginnings weren’t perfect, it’s never too late to change your money story. Were you ever taught how to manage money? So many Australians are stuck living pay to pay, wondering, “Why am I broke all the time? ” or “Why don’t I ever have money left over? ” It’s especially tough when the cost of living keeps rising, groceries seem to eat half your pay, and your bank account ghosts you a week before payday. According to Anglicare Australia’s 2024 Living Costs Index, a person on minimum wage is left with just $33 a week after paying for rent, food, and transport expenses. But I'm here to tell you, being stuck in a financial rut doesn’t mean you’re bad with money. It means no one taught you how to manage it properly. Most of us were thrown into adulthood with a debit card, a phone plan, and zero financial literacy. No wonder so many people are feeling the pressure. In my case, I was actually taught to budget, my dad handed me a graph book, a pencil and a ruler as a tween and showed me how to track every dollar and categorise my spending. But there’s a big gap between knowing how to budget and having the maturity to stick to one. When I moved out young, those lessons went out the window. I was juggling independence, rent, and a fair bit of 'YOLO'. My first brush with debt? A $500 Target store credit card. I didn’t read the fine print (who does at 18? ), and with 19% interest, late fees, and minimum repayments, that tiny limit ballooned to over $1,500. There were no real-life lessons on credit, debt or bills, just trial and error. Mostly error. That experience (and a few others, sorry Dad! ) shaped how I manage money now. These days, mindfulness around my spending, saving, and credit is intentional, not accidental. And that’s the message: even if your financial beginnings weren’t perfect, it’s never too late to change your money story. This guide will help you understand the reasons you feel broke, even when you’re earning good money, and give you practical ways to shift from financial stress to financial security. So, what exactly is getting in the way of your financial goals? Let’s break down the everyday financial habits and money traps that might be keeping your budget stuck in the red. Common reasons you might feel broke (and how to fix them) 1. Subscription creep and invisible spending Your budget called: it’s time to get on top of subscription creep. Those small, recurring monthly expenses, streaming services, forgotten fitness apps, or random cloud storage upgrades, add up fast. Before you know it, you’re stuck living pay to pay and wondering where your money went. The fix: pull up your bank statements and highlight every recurring expense. Do you really need five streaming platforms and a meditation app you haven’t opened in six months? Cancel, downgrade or switch to free options where you can. It’s like a money detox. 2. The Buy Now, Pay Later (BNPL) trap It feels like magic: get it now, pay for it later. But these services often lead to impulse buying, poor money habits, and a queue of upcoming payments you forgot you even made. Suddenly your budget is on life support. The fix: pause before purchasing. Ask: “Would I still want this if I had to pay full price right now? ” If not, skip it. Instead, start saving money in advance for big-ticket items to avoid relying on BNPL. 3. Credit card reliance and high-interest debt Using a credit card to cover groceries, petrol or even your mobile plan? If you’re only making the minimum repayments, you’re likely paying a fortune in interest. This is one of the fastest ways to stay broke, no matter how much you earn. The fix: review your credit utilisation ratio (how much of your credit limit you've used) and try to keep it under 30%. Focus on repaying your credit card debt using either the debt snowball or debt avalanche method. Better yet, get support from a debt relief organisation like MyBudget. Download our free 10 Steps to Get Out of Debt eBook, it’s packed with practical strategies to help you take back financial control. 4. No savings goals or plan “Saving for a rainy day” is a nice idea... until it rains every week. Without clear goals, your savings never really build momentum. The fix: get specific. Do you want to build an emergency fund? Go on a holiday? Start saving for a house? Set financial goals that are realistic and motivating. This gives your budget purpose and keeps you focused. Need help setting a savings goal? Try our free Goal Setting Template, paired with our Savings Calculator to see what’s possible! 5. Not tracking where your money goes You tap your card a few times a day, and suddenly your account balance is screaming for help. Invisible spending is real. Without tracking, it’s easy to underestimate how much you spend on Uber eats, impulse buys, or that third coffee you didn’t plan for, because your brain insisted it was essential to survive to 5pm. The fix: track every dollar for two weeks. Use a budgeting app, notes app, spreadsheet, or the MyBudget client app. Awareness is half the battle when trying to fix your budget. Bonus: Emotional spending Feeling stressed, bored, or “I deserve this” after a rough week? Emotional spending can sabotage even the best budgeting intentions. It’s often a coping strategy that leads to financial self-sabotage. The fix: build mindfulness into your money habits. Before a purchase, ask yourself if it aligns with your long-term goals or is just a momentary fix. Practise gratitude for what you already have and create a cash allowance for guilt-free fun money, just don’t let it hijack your entire budget. What’s the best way to stop feeling broke? The secret? A tailored personal budget plan that actually works for you, and your unique financial situation. A proper budget isn’t about saying “no” to everything. It’s about saying “yes” to the things that matter. With the right plan, you’ll know exactly how much is coming in, what’s going out, and how to make sure you’re building savings along the way. A MyBudget plan can help you: identify and cut unnecessary or recurring expenses get out of debt with a plan that shows when you could be debt free set long-term financial goals like buying a house or saving for a holiday build an emergency fund to avoid future money stress. Let MyBudget help you sort out your budget and stop living pay to pay You’re not alone. MyBudget has helped over 130,000 Australians stop living pay to pay, get out of debt, and start saving with a personalised budget plan. Get expert support and a clear roadmap for your money, without the overwhelm. Request a free Personal Budgeting Consultation or call 1300 300 922 to start turning things around today. Want more tips? Explore our dedicated collection of saving tips and strategies on the MyBudget blog. - Published: 2025-04-14 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/credit-card/the-true-cost-of-making-only-minimum-payments-on-your-credit-card/ - Categories: Credit Card Minimum credit card payments might seem helpful, but they can cost you thousands, learn how to pay off credit cards sooner and escape the debt cycle for good. Making minimum payments on your credit card might seem like a smart short-term fix, but it could be quietly costing you thousands of dollars over time. While it keeps your account in good standing and avoids late payment fees, it also traps you in a cycle of mounting interest, never-ending monthly repayments, and financial stress. Let’s break down the true cost of only making minimum credit card repayments, and how to escape the trap for good. What happens when you only pay the minimum? Every credit card statement includes a minimum repayment, usually around 2–3% of your outstanding balance, or a set minimum dollar amount. But here’s the catch: the bulk of that payment goes toward interest charges, not your principal balance. Take this example: If you owe $5,000 on a credit card with an annual interest rate of 18%, and you only make the minimum monthly payment of around $100, it could take more than 30 years to pay off the balance. You’d end up repaying over $12,000, more than double your original credit card debt. That’s a long and expensive road for one shopping spree. Why do credit card companies set minimum payments so low? In short? Because it benefits them. Credit card issuers design these low minimum payment percentages to stretch out your debt repayment over a longer period, giving them more time to collect interest. While that might be great for the card issuer’s profits, it’s not so great for you. Month after month, interest continues to build, especially if you're still using the card and increasing your credit card balance. Some credit card providers even encourage you to pay the nearest dollar above the minimum, which sounds helpful but still won’t make a real dent in your debt. The psychological impact of long-term debt Paying off debt slowly can feel like running on a treadmill, you’re moving, but not going anywhere. This ongoing financial difficulty can cause what's known as debt fatigue, where your motivation dips and you lose confidence in your ability to become debt-free. It’s not just about the dollars. It’s about the weight of seeing your monthly credit card statement barely change or worse still, going up. That constant pressure can impact your mental health, your decision-making, and your overall financial future. How to break free from the minimum payment cycle If you're ready to stop going in circles, here’s how to turn things around: 1. Pay more than the minimum Even an extra $50 a month can cut down your repayment period and save you heaps on interest. Use tools like a credit card repayment calculator to see how much quicker you can pay off credit cards sooner by upping your monthly payments. 2. Prioritise high-interest cards Use the avalanche method: focus on cards with the highest annual percentage rate first, while maintaining the minimum repayments on others. It’s one of the fastest ways to reduce the cost of your credit card debt and repay your cards sooner. 3. Consolidate with a balance transfer A balance transfer credit card with a 0% introductory interest-free period can give you time to repay your original balance without new interest piling on.  But be cautious: once the promotional period ends, the interest kicks in, and sometimes it’s even higher. Make sure you’re taking full advantage of the interest-free time to clear your credit card debt sooner. 4. Use windfalls wisely Got a tax refund, bonus, or unexpected cash? Put it towards your credit card payments instead of splurging. A one-off lump sum can significantly reduce your outstanding balance and help you pay off your credit card sooner. 5. Automate extra payments Set up a direct debit to automatically pay more than the minimum repayment. You’ll stay consistent without having to think about it each billing cycle, and it’ll help you repay your credit cards faster without the effort. How MyBudget can help you pay off debt sooner At MyBudget, we help Australians avoid the debt trap by designing personalised repayment plans that suit your life and income. We’ll help you: Slash interest and pay off credit card debt sooner Avoid hidden charges and credit card fees Pay bills on time with automated services Rebuild your credit history Save for the future with achievable plans. We’ve helped over 130,000 customers regain control and live free from money worries. Whether you’re trying to get on top of credit card balances, boost your emergency fund, or improve your credit rating, we’re here to make it happen. Ready to break free from the minimum repayment cycle? Getting ahead doesn’t require winning the lottery, just a solid plan, some guidance, and maybe a little help from the pros. Don’t let the costly interest charges of minimum credit card payments hold you back any longer. Enquire online or call MyBudget today on 1300 300 922 to explore a tailored strategy that helps you pay off credit cards sooner, clear your credit card debt faster, and finally get ahead financially, because your life is too valuable to spend it paying off interest. - Published: 2025-04-10 - Modified: 2025-04-10 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-sell-things-on-ebay/ - Categories: Savings Tips Did you know the average Aussie household is sitting on $7,000 worth of unused items at home? According to Statista’s last study, Aussies are collectively sitting on over $60 billion worth of second-hand stuff. More than 85% of us have unused gear gathering dust. That’s an emergency fund, a decent chunk off your credit card, or about 737 chaotic trips through the Bunnings plant section. If the idea of selling on eBay feels a bit overwhelming; listing fees, postage, writing descriptions; don’t worry, it’s easier than you think, and we’ll walk you through exactly what to sell, how to price it, and how to turn your clutter into cold, hard cash (without the Saturday morning garage sale chaos). Sell your unused items on eBay I asked Adam, one of our MyBudget team legends, what he does with things he no longer uses: I bought a backpack for a holiday and never used it. A year later, I listed it on eBay during a clear-out, and what I made helped cover some bills. Adam, MyBudget staff member So yes, that unused Nutribullet and the box of tech relics you’ve moved house with three times but haven’t touched since Julia Gillard was PM? They might just be your new side hustle. Whether you’re funding your next trip or just trying to clear the spare room (or floor-drobe), it's time to turn your clutter into cash. We'll show you what to list, how to price, and when to sell, plus a few lessons we learned the hard way. And if you're keen for more income ideas, check out our 25 Best Side Hustles in Australia to get inspired. What can I sell on eBay? Basically, anything that isn’t bolted to the floor. But especially: Vintage fashion items (hello, 90s band tees) Electronics (even the ‘it kinda works’ ones) Collectables (yes, those Beanie Babies might be worth something) Baby gear, tools, books, shoes. Think about things your kids have outgrown, gadgets gathering dust, or that juicer you swore you'd use weekly. If you haven’t used it in a year (or forgot it even existed), it’s probably safe to list. These unwanted items could easily become best-selling items if you include quality images and clear product details. How do I set up an eBay seller account? Getting started as a seller on eBay is surprisingly easy, and free. Just head to the eBay dot menu and sign up for an account. You can pick a personal account (if you’re a casual seller just offloading a few things) or a business one if you plan on building an empire. Either way, you’ll need to: Verify your identity Add your bank account details to get paid Choose your payment method (eBay handles this for you now). eBay uses Managed Payments, so no PayPal dramas. Just add your valid payment method during setup, and you’ll get paid directly after each sale. How to set up your eBay seller profile Next, create your eBay seller profile. This is your shopfront, so make it friendly and clear. Upload a profile pic, write a short blurb, and set your shipping and returns policies. If you’re planning to sell regularly, explore eBay Store subscription options, they come with perks like discounted seller fees and more active listings per month. eBay's guidelines for selling Also, eBay has policies (of course it does). As one of the world’s biggest online marketplaces, they want things running smoothly. You’ll need to follow eBay’s product listing guidelines, post items accurately using a list of item specifics, and respond to potential buyers promptly. It’s all about building a positive seller reputation and avoiding those dreaded one-star reviews. Once you’re in, you’re ready to list individual items for sale! Pop into the Seller Hub to track your sales proceeds, manage listings, and check your feedback score. Think of it like your eBay dashboard, less glitter than Etsy, more cha-ching. How do I list an item on eBay? First impressions matter, even for your old blender. A standout eBay listing needs quality images, a clear item description, and accurate details. It’s as easy as: Snapping some great photos (natural light, no mystery shadows, no toes in frame please) Writing a product title with keywords people might search (e. g. “Nike Air Max Women’s Size 8”) Describing your item honestly, including condition and any flaws Setting your starting price and shipping cost (flat rate is easier unless you love maths) Hitting ‘List’ using the basic listing tool and waiting for the cha-chings! How do I write a good eBay item title? Your title is what gets eyeballs on your listing, so make it keyword-friendly and scroll-stopping. Skip the fluff and go for the facts: brand, size, condition, and what the thing actually is. Think “Nike Air Max 270 Women’s Size 8 – Barely Worn” rather than “Cool Shoes! ! ” (which... no one is searching for in the search bar). Here are a few solid examples: “Dyson V7 Cordless Vacuum – Great Condition + Accessories” “Zara Black Linen Blend Blazer Size M – Worn Twice” “LEGO Star Wars Millennium Falcon Set 75105 – Complete with Box”. Basically, if someone typed those words into a search engine or the eBay search bar, your listing would show up. That’s the goal. Keep it snappy, searchable, and relevant. How do I describe an item on eBay? Buyers want the details, what it is, the condition, the size, and any flaws (yes, that scuff mark counts). Be honest, be clear, and don’t waffle. Bullet points are your friend for a user-friendly experience. Example: Brand: Dyson Model: V7 Animal Condition: Used, works perfectly, a few scratches on wand Comes with: Charger, 2 attachments. Use relevant keywords, include product identifiers, and answer questions before they’re asked. You're creating a perfect listing, not writing a novel. Should I auction or fixed price? Auction-style listings are great for rare or collectable items, if there’s buzz, you’ll benefit. Fixed-price listings are better if you just want it sold, preferably yesterday. If you’re unsure, try auction listings with a reserve or list it at a competitive sale price with “Make an Offer” enabled. What are eBay listing fees? Selling on eBay isn’t totally free, but it’s pretty affordable when you understand the fees involved in using a marketplace platform. Here’s the breakdown: A small listing fee (after your first 250 items per month) Final value fee (a percentage of the sale + shipping cost) Optional Promoted Listings to boost visibility on online marketplaces. So how much does it cost to sell on eBay? It depends on what you're selling, but it’s easy to figure out. Use the eBay fee calculator to estimate your costs, including the listing fee and final value fee. And don’t forget: packaging and postage costs can nibble away at your profit like a seagull on hot chips, so factor those in too. Want to see what your eBay side hustle could add up to? Use MyBudget's free Savings Calculator to work out how much you could save (or spend wisely) once you start selling your stuff. What shipping options can I offer? Shipping can feel like the boring admin bit, but it’s essential for a smooth process. Here’s how to make it work: Choose your postage option: you can set a flat rate, offer free shipping (buyers love it), or use eBay’s calculator to estimate shipping cost based on item size and weight Calculate costs: use eBay Labels or Australia Post tools. Factor in packaging, postage labels, and your time Print and post: once it sells, print a shipping label straight from your Payments tab, stick it on, and off it goes Sending it internationally?  Choose from international services or join the Global Shipping Program, eBay sorts out customs and delivery options. How do I set up payment methods? eBay handles payments for you, so no PayPal dramas. Just add your bank details when you set up your account, and you’ll get paid directly once your item sells. Easy. Heads-up: eBay does take a small cut (yep, fees again), and if you’re running a store or using third-party tools, check they all play nicely together. What are the risks of selling on eBay? It’s not all cha-chings and five star reviews. Sometimes a parcel goes missing, fees pop up unexpectedly, or Karen from the Gold Coast leaves a two-star review because Australia Post took a day longer than expected. But with honest listings, fair prices, and decent communication, you’ll avoid most of the headaches. Always: Reply politely (even if they’re being a little bit extra) Be clear in your descriptions Resolve issues where you can, your rating depends on it. If it gets messy, eBay has protections for both sellers and buyers. Use this if needed. Seller ratings matter, they affect how buyers view you and whether they hit that ‘Buy Now’ button. So keep communication clear, fix issues fast, and don’t let one moody review ruin your vibe. TL;DR: here’s your eBay cheat sheet List your clutter, someone out there wants your pre-loved... - Published: 2025-03-07 - Modified: 2026-01-21 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-alyssa-pete-take-control-of-their-finances/ - Categories: Success Stories Discover how a tailored personal budget helped Alyssa and Pete pay off credit card debt, build savings, manage cash flow, and achieve their financial goals, all without sacrificing their lifestyle. - Published: 2025-03-01 - Modified: 2026-07-23 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/budgeting-tips/when-to-buy-a-new-car-vs-used/ - Categories: Budgeting Tips Trying to decide between buying a new or used car? We break down the pros, cons, costs and key factors to help you make the best financial decision. Buying a car is one of the biggest purchases many New Zealanders will make. While the appeal of driving a brand new vehicle can be hard to resist, it's important to look beyond the purchase price and consider the long-term financial impact. In this guide, we'll explore the advantages and disadvantages of buying a new car, including depreciation, finance, insurance and ongoing running costs. Whether you're upgrading your current vehicle or buying your first car, understanding the true cost of ownership can help you choose the option that best suits your budget and financial goals. Is it worth buying a new car? Buying a new car offers peace of mind, the latest technology and greater reliability. However, it also comes with higher upfront costs and faster depreciation. The right choice depends on your budget, lifestyle and long-term financial goals. What are the benefits of buying a new car? Full manufacturer warranty and scheduled servicing One of the biggest advantages of buying a new car is the peace of mind that comes with a manufacturer's warranty and scheduled servicing. If something goes wrong during the warranty period, repairs are often covered, helping reduce unexpected expenses. Many manufacturers also offer fixed servicing schedules, making it easier to budget for ongoing maintenance. There's also something special about driving away in a brand new vehicle that's never been owned before. You know exactly what you're buying With a new car, there are no hidden surprises. You know the complete history of the vehicle because you're the first owner. There's no uncertainty about how it has been driven, maintained or repaired. While buying a used car may save money upfront, unexpected repairs or maintenance costs can quickly reduce those savings. For many people, the certainty and reliability of a new vehicle provide valuable peace of mind. Choose exactly what you want Buying new gives you the freedom to choose the model, colour, features and optional extras that suit your needs. New vehicles also include the latest safety technology, driver assistance features and improved fuel efficiency, making them more enjoyable and economical to own. Lower upfront maintenance costs Unlike buying a used vehicle, purchasing a new car generally doesn't require a pre-purchase inspection. Combined with warranty protection, this can help reduce your upfront costs and minimise the likelihood of unexpected repair bills during the first few years of ownership. Electric vehicles can reduce running costs Electric vehicles continue to become more popular in New Zealand. Depending on how and where you drive, an electric vehicle may reduce your fuel and maintenance costs over time. They also produce fewer emissions than traditional petrol or diesel vehicles, making them an attractive option for environmentally conscious drivers. What are the real costs of buying a new car? Higher insurance costs New cars generally cost more to insure because they're worth more and often cost more to repair or replace. The amount you pay will depend on factors such as the vehicle, your age, driving history, where you live and the level of cover you choose. Car depreciation explained One of the biggest financial drawbacks of buying a new car is depreciation. Most new cars begin losing value as soon as they're driven away from the dealership, with depreciation continuing over the first few years of ownership. By comparison, many used cars have already experienced the steepest depreciation, making them better value for buyers who want to minimise the loss in value over time. The real cost of car finance Financing a car can make it easier to get behind the wheel sooner, but it's important to consider the total cost of borrowing, not just the monthly repayments. Interest charges mean you'll often pay thousands of dollars more than the car's purchase price over the life of the loan. At the same time, most vehicles continue to depreciate while you're paying off the loan. In some cases, you could owe more on your loan than the vehicle is worth. Before taking out car finance, compare interest rates, loan terms and repayment amounts. Understanding the total cost of borrowing can help you choose a vehicle that fits comfortably within your budget. What should you consider before buying a car? Before deciding whether to buy new or used, think about your personal circumstances. Ask yourself: What type of vehicle suits my lifestyle? How much can I comfortably afford? What will the ongoing running costs be? Will I need finance? Would a slightly older vehicle meet my needs just as well? Looking beyond the purchase price and understanding the total cost of ownership will help you make a smarter financial decision. Car running costs in New Zealand When planning your budget, remember to include ongoing costs such as: Fuel Comprehensive car insurance Regular servicing and repairs Tyres Registration (rego) Warrant of Fitness (WoF) Roadside assistance, if required. These ongoing expenses can add up quickly, so it's important to include them in your budget before buying your next vehicle. Best alternatives to buying a new car Buy a quality used car If you're happy to look beyond a brand new vehicle, a well-maintained used car can provide excellent value. A vehicle that's around 12 to 18 months old has often experienced its biggest depreciation while still offering modern safety features, low kilometres and, in many cases, the balance of the manufacturer's warranty. For many buyers, this represents the sweet spot between price, reliability and long-term value. Buy an older pre-owned vehicle If you're working with a tighter budget, purchasing an older used car can help you avoid a large loan and reduce your monthly expenses. Although maintenance costs may be higher than with a newer vehicle, buying outright can save you thousands in interest over the life of a car loan. Consider cycling If buying a car isn't essential, cycling may be a practical and affordable alternative for shorter trips. Along with saving money on fuel, insurance and maintenance, cycling also provides health benefits and reduces your environmental impact. Use public transport Public transport can be a cost-effective alternative to owning a car, particularly if you live in an area with reliable services. Although it may not suit every lifestyle, it can significantly reduce your transport costs while helping lower your environmental footprint. Can MyBudget help you decide whether to buy a new or used car? Yes. At MyBudget, we help New Zealanders make informed financial decisions based on their individual circumstances. Whether you're considering buying a new car, comparing finance options or saving to purchase a vehicle outright, our friendly Money Coaches can help you understand what fits comfortably within your budget. We'll work with you to create a personalised budget that balances your everyday expenses with your longer-term financial goals, so you can buy with confidence. Book Your Free Appointment Or call 09 849 6285 to speak with the MyBudget team. - Published: 2025-02-17 - Modified: 2026-01-19 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-mybudget-helped-michelle-and-phil-pay-off-40000-in-debt-and-why-theyve-remained-clients-for-over-10-years/ - Categories: Success Stories Good income but constant money stress? Michelle and Phil were living paycheck to paycheck, struggling to manage their finances. Discover how MyBudget helped them pay off $40,000 in debt, renovate their home, take dream holidays, and achieve financial peace of mind with a clear budgeting formula tailored to their goals. Life before MyBudget: Michelle and Phil’s struggle to get out of debt Michelle and Phil knew they had good incomes, but managing their finances felt like an endless struggle. “We had plenty of money but were always robbing Peter to pay Paul. It was a constant juggle. We couldn’t see beyond a fortnight,” Michelle admitted. They needed a personal budget to pay off debts, and create a savings plan. Between multiple credit cards, personal loans, a car loan, and a university debt, their over $40,000 of debt felt insurmountable. “I was constantly worried every time the phone rang that it was another creditor wanting money we couldn't pay,” Michelle shared. While Phil worked long hours, Michelle bore the brunt of the calls... and the stress. “It felt like a never-ending cycle of minimum payments, we were stuck. ” ~ Michelle In 2013, Michelle and Phil turned to MyBudget for help, and over 10 years, it has completely transformed their lives. What happened when MyBudget set up Michelle and Phil with a realistic budget Once Michelle and Phil made the life-changing decision to call MyBudget, from the moment they signed up and had a Personal Budgeting Consultation, they felt immense relief. MyBudget took over the creditor negotiations and had successful outcomes for negotiating with creditors, implemented a budgeting formula and new savings plan tailored to their needs, and gave them a clear budget plan to not only manage their debt but also work toward their long-term goals. Reflecting on their decision, they both agree that the biggest relief has been no longer having to worry about money. Michelle admits that as someone who loves to shop, sticking to a weekly allowance wasn’t easy at first. But she stayed focused on their long-term goals of becoming debt-free, renovating their home and providing their family with a bright financial future. "MyBudget’s process gave us peace of mind. It’s not about whether you can afford something, it’s about knowing there’s a plan, and the money will be there when you need it. " ~ Phil MyBudget made it happen. Within two years, they had paid off their largest credit card and were well on their way to renovating their dream kitchen. What life-changing financial goals can you achieve with MyBudget? Since joining MyBudget, Michelle and Phil have achieved big goals, including: Paying off $40,000 in debt and staying debt-free Renovating their entire home, starting with their dream kitchen in the first year Budgeting for holidays like two cruises and a Europe trip Helping their children with unexpected expenses and gifting a car Saving $30,000 in one year for a new shed. How MyBudget’s personal budgeting formula makes managing money stress-free One of the biggest benefits Michelle values is the financial flexibility MyBudget provides. “The flexibility of MyBudget’s system is incredible. They adjust things quickly when life throws unexpected expenses our way. ” ~ Michelle They also appreciate the peace of mind that comes from knowing their budget is in good shape. “Everything’s put aside, and I don’t have to worry. Their services are absolutely worth every cent because all the stress is taken away. ” The transformation of Michelle and Phil’s credit habits with support from MyBudget Before joining MyBudget, credit cards were a major source of financial strain for Michelle and Phil. Today, they’ve adopted a disciplined approach with just one credit card capped at $3,000. “We’ve learned to keep it manageable. Even if we max it out, it’s easy to pay off, and we never let it become a burden,” Michelle said. How Michelle and Phil taught their kids financial responsibility through budgeting Michelle and Phil’s decision to join MyBudget didn’t just change their lives; it had a ripple effect on their entire family. “Our kids have seen the stability we’ve created, and it’s inspired them to take control of their own finances. They know the value of planning and being financially responsible. ”~ Phil By embracing discipline and sticking to a clear budgeting plan, Michelle and Phil not only transformed their financial situation but also set a powerful example for their children. Today, their family thrives with the lessons of financial stability and responsibility, ensuring a brighter future for generations to come. Why Michelle and Phil believe MyBudget is worth every cent Michelle and Phil are both passionate about sharing the benefits of MyBudget with others because they know how transformative it can be. Michelle says,“Yes, it’s a service, and you have to pay for it, but it’s worth every cent,” she said. “If you’re struggling, there’s no shame in asking for help. MyBudget turned things around for us. ” For Michelle and Phil, financial freedom isn’t just about numbers, it’s about creating opportunities and peace of mind. One of the most rewarding aspects has been helping their children. “Being able to help our kids when they need it most is priceless,” Phil shared. “That’s what financial freedom really means to us. ” With the right support and a tailored plan, Michelle and Phil believe financial freedom is possible for anyone. Ready to achieve financial peace of mind and reach your goals? MyBudget can help you pay off debt, create a budgeting plan for holidays, renovations, or family expenses, and build a savings plan for the future, all while removing the stress of managing money. Enquire online or call us today on 1300 300 922 to take the first step toward financial freedom. - Published: 2025-02-17 - Modified: 2025-02-17 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/alternatives-to-debt-consolidation/ - Categories: Success Stories Debbie and Alan, like many Australians, felt overwhelmed by personal debt and even got rejected by the bank for another loan to consolidate, but with MyBudget’s help, they discovered a smarter way to regain financial control, without resorting to another debt consolidation loan. What is a debt consolidation loan? A debt consolidation loan is a type of financing that allows you to combine multiple debts (secured or unsecured), such as credit cards, personal loans, car loans, and medical bills, into a single loan with a fixed monthly payment. While this approach can simplify repayments, at MyBudget we believe there are better alternatives to debt consolidation that can reduce financial stress even more. A personal budgeting plan can provide a long-term solution to living your life free from money worries, helping you break free from debt and achieve financial peace of mind. Australia's debt situation: in 2025 why are so many people struggling to get out of debt and seek consolidation loans? Australia’s household debt-to-income ratio currently sits at 188%, meaning the average household owes $1. 88 for every dollar earned (ABS, 2024). That’s a staggering amount when you think about it, nearly twice the income people bring in annually is already accounted for in debt repayments, making consolidation of things like credit card debt an attractive option. This is not just a number on a page; it’s real money, affecting real people. Over the past 20 years, the average mortgage balance has ballooned from $160,000 to $642,121 (Mozo, 2024). That means the average Aussie homebuyer is now taking on over four times more debt than they did in the early 2000s. Understandable to see why consolidating debts together into one payment looks like an attractive option, without considering better alternatives to consolidation. Pair that with rising interest rates, high loan repayment costs, and soaring living expenses, and it’s no wonder many Australians feel like they’re just treading water financially. When so much of your income is already spoken for, the margin for error, unexpected bills, job loss, or even just a hike in rent, becomes razor-thin. This is why so many people start looking into a debt consolidation loan. But before you jump in, it's crucial to weigh up all your options and understand the potential risks, loan terms, and benefits of debt consolidation. Debbie and Alan’s story: how MyBudget helped them break free from debt without needing a consolidation loan Debbie and Alan, like many Australians, found themselves in financial uncertainty. Multiple credit cards, personal loans, and mounting weekly repayments were leaving them financially and emotionally drained. They needed an easy solution to manage and get out of their debt. They thought a debt consolidation loan was the way out, but when the bank shut them down for not meeting the lending criteria, reality hit hard. "We were scared to answer the phone," Alan recalls. "We knew it was just another creditor chasing money we didn’t have. " Desperate, they started looking at Part 9 Debt Agreements, until they realised it could impact their credit score for five years, much like bankruptcy. That’s when they turned to MyBudget, as a way to get out of debt, and everything changed. 4 Alternatives to debt consolidation loans (that aren’t more debt rolled into one) If you’re struggling with high-interest debt, you might think a debt consolidation loan is your only option. But here’s the truth, not everyone qualifies, and in some cases, it might not even be the best solution. The good news? There are other ways to take control of your current debt that could be a better fit for your individual circumstances rather than consolidation which is just rolling all your debts into another loan. Here are four realistic alternatives to debt consolidation loans that could help you pay off your debt faster, regain financial stability, and improve your credit rating: 1. MyBudget’s tailored personal budget and debt management plans One of the best ways to regain control of your finances without needing to consolidate is with a personalised debt management plan, tailored to your income, expenses, and financial goals. At MyBudget, we don’t just give you a budget; we make sure it works for you in real life. Your budget is customised by our Personal Budgeting Specialists to provide a better option than a debt consolidation loan. We structure your income, prioritise essential expenses, and create a clear, step-by-step plan to reduce debt repayments and build savings as a part of a manageable budget rather than consolidation of debt, so you can start to live free from money worries. A big part of this? We handle all creditor negotiations for you with regards to your debts. That means no more stressful phone calls or collection notices. We work directly with credit providers to arrange manageable payment plans and, in some cases, even reduce the amount owed. So, instead of worrying about credit card debt, you can focus on moving forward. Doesn't this sound better than consolidating everything you currently owe? 2. How to negotiate with creditors yourself to reduce your outstanding debts without a consolidation loan If you prefer to handle negotiations on your own as an alternative to a debt consolidation loan, you can contact your credit providers directly to request assistance. Many lenders are open to working with you if you take the initiative. According to AFSA, banks and credit card companies are actually required by law to consider your request if you are experiencing financial hardship and want to avoid the debt consolidation path. They might waive late fees, lower the interest rate, or even freeze payments until you get back on your feet. To make it easier, here are a few simple scripts to get the conversation started: Ask for a lower interest rate “Hi! I’m having difficulty keeping up with my outstanding credit card debt. Is there any chance you could lower my interest rate to help me out? It’d really make a difference in getting my finances back on track. ” Payment plan or hardship help “Hello! I’m currently in a bit of financial stress and struggling to make my debt repayments. Could we set up a more manageable payment plan or discuss any debt relief options you might have? ” Waiving late fees “Hi there! I’ve hit a bit of a rough patch with all these rate hikes and missed a payment. Any chance you could waive the late fee? I’m working hard to get a bit of extra cash to get my finances back in order. ” These little scripts will help you glide through the debt negotiation conversation like a pro. Remember, the aim is to make some little changes now, that could result in big savings over a period of time, and your credit card provider is obligated to try and help so you can reduce what you owe, and avoid having to consolidate your existing debts. 3. Debt settlement Some credit providers may be willing to accept a lump sum payment that’s lower than what you owe. If you have access to funds, savings, or a cash-out refinance, this can be a great way to clear unsecured debts for less. 4. Part 9 Debt Agreement A formal Part 9 Debt Agreement that can stop creditors from chasing you. It can reduce what you owe but comes with long-term consequences like affecting your credit report for five years. Each option has its pros and cons when considering an alternative to a debt consolidation loan. The key is understanding which alternative debt solution is right for you before making financial decisions. Real life example: how MyBudget changed Debbie and Alan’s future The alternative to a debt consolidation loan After reaching out to MyBudget, Debbie and Alan worked with a personal budgeting specialist to create a tailored debt repayment plan as an alternative to a debt consolidation loan. Instead of a one-size-fits-all debt consolidated loan, they were given a straightforward solution that fit their financial circumstances and long-term goals. One of the biggest reliefs? MyBudget took over all creditor negotiations. No more stressful phone calls or letters, Debbie and Alan didn’t have to deal with credit card companies or lenders at all. MyBudget were even able to reduce the total debt owed, giving them a realistic repayment schedule that worked. With a personal budgeting plan, what they owed became lower than it would have been with a debt consolidation loan. With their new budget, rather than a debt consolidation loan, they were able to: cover their essential expenses without falling behind set up automatic monthly repayments to avoid late fees build better financial habits to set them up for long-term financial success start building a savings buffer for financial emergencies. Now, they’re no longer just surviving, they’re thriving with no need to have used a debt consolidation loan for their debts. "For the first time in years, we feel in control of our finances," says Debbie. "We’re not just paying off debt, we’re planning for our financial future. " Thanks to MyBudget, Debbie and Alan have... - Published: 2025-01-20 - Modified: 2026-01-21 - URL: https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/can-i-survive-as-a-single-parent-on-one-income/ - Categories: Budgeting Tips Australian single parents face unique financial pressures, this guide shares budgeting tips, savings strategies, government benefits and emotional support to help you take control and thrive. - Published: 2025-01-17 - Modified: 2025-01-17 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/success-story-bec-and-jarrad-goals/ - Categories: Success Stories Bec and Jarrad believed they were on top of their finances, until they discovered they could achieve so much more. This is the story of how they turned smart money habits into a powerful financial plan, fast-tracking their long-term financial goals and transforming their family’s future. From feeling stuck to thriving: how to achieve your financial goals faster Adelaide couple Bec and Jarrad, both in their late 30s with two young children, thought they had their finances sorted. They’d enjoyed life in their twenties, saved for a home deposit, and landed good jobs. But after the kids came along, their household expenses ballooned, and their savings goals started to feel out of reach. They weren’t in trouble - far from it. But their dreams of family holidays, better education opportunities, and long-term financial security weren’t just magically falling into place. That’s when they realised they needed a step-by-step plan to fast-track their financial goals and improve their overall financial situation by focusing on budgeting strategies and reducing unnecessary expenses. “We thought MyBudget wasn’t for people like us”: breaking money management myths When a friend suggested MyBudget, Bec and Jarrad were sceptical. “We didn’t have any money troubles,” says Bec. “We were happy with the way things were going, but we just had some financial goals that we wanted to achieve, and a friend of ours recommended MyBudget. ” Jarrad agrees: “We thought we were doing a good job and didn’t think we needed someone else to look after our finances. We assumed budgeting services were only for people in financial trouble, not for families like ours who just wanted to improve their cash flow and manage unexpected expenses better. ” The moment everything changed: why financial planning can change your life Out of curiosity (and maybe to avoid disappointing her friend), Bec booked a free appointment with MyBudget. They arrived at the appointment with bank statements, credit card balances, and a wish-list of financial priorities and goals. Two hours later, they left with a detailed budget and a new outlook on how to make their money work harder. “We didn’t realise our money could be managed so much better,” says Bec. “We had spreadsheets and systems, but we’d get busy, and the budget would fall apart. ” That meeting was the turning point that made them rethink their entire approach to money, setting clearer short-term and longer-term goals. They also realised the importance of managing credit card debt and understanding their credit score to improve their financial stability over time. Living stress-free: the key to financial freedom is a solid plan Think of it like servicing your car, you wouldn’t expect your car to run perfectly forever without a mechanic’s help. It’s the same with money management. Financial freedom doesn’t happen by accident - it’s the result of having a solid financial plan and sticking to it. Managing your finances with actionable steps and setting measurable goals can make the journey much easier. “People often struggle with money because their system is too hard to maintain or a mix of good and bad financial habits. Our approach is about designing a money plan for the life you want and providing the right support to achieve it. ” Tammy Barton, MyBudget, Founder and Director Time is your most valuable resource when managing money One of the biggest surprises for Bec and Jarrad was how much time they got back. “We didn’t realise how much time we were spending on money admin,” says Bec. “Now, MyBudget handles it for us, and we’ve saved so much time. ” Tammy explains: “Time is even more valuable than money. People are busy juggling work, kids, and life. If you don’t have time to manage your money right, it can cost you more in the long run. That’s why more families are turning to MyBudget to help fast-track their financial goals and get more time back for what matters most. ” Confidence, freedom, and long-term financial goals “It took a bit to get used to someone else managing our money,” admits Bec. “At first, I was concerned about the perception of that, but I quickly realised we still have control. MyBudget works with us to fit everything within our budget, so we haven’t lost control of our money. ” The results speak for themselves. “Our life is stress-free. We don’t talk about money worries anymore. Our bills are paid, our savings are growing, and it’s exciting to see how much we’re achieving. We even challenge ourselves to hit new savings goals each month,” says Bec. Jarrad adds, “We’ve bought our first investment property and a camper trailer. Now we can take the kids away on weekends, knowing our finances are in great shape. ” The couple’s newfound confidence in their money management has opened doors they didn’t think possible. Their new savings habit has helped them build funds for emergencies, achieve their short-term financial goals, and work toward a comfortable retirement. Ready to achieve your financial goals faster with MyBudget? Let's make it happen! Take control of your finances this year with a free, tailored budget plan that’s yours to keep - no strings attached. Whether you want to pay off debt, grow your savings, or plan that dream holiday, we’re here to help you reach your long-term goals faster. Here’s what you’ll get: A personalised budget that shows all your income and expenses in one place A clear path to achieve your goals A money plan designed to fit your lifestyle without sacrificing what you love. Why trust MyBudget? Over 25 years of experience helping people live free from money worries. Trusted by over 130,000 Australians. Tammy Barton, Founder and Director of MyBudget, transformed a home-based business into one of Australia’s most trusted financial services brands. Twice named Telstra South Australian Business Woman of the Year, she’s also been recognised in AFR’s 100 Women of Influence Awards and as League of Extraordinary Women Female Entrepreneur of the Year. A respected authority on personal budgeting, Tammy has become a household name to Australians seeking financial freedom and peace of mind. Claim your free tailored budget plan today or call us now on 1300 300 922 and see how far your money can take you! - Published: 2025-01-13 - Modified: 2025-01-13 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-achieve-your-financial-goals/ - Categories: Goal Setting Got a list of financial goals that feels more like a wish list? You’re not alone. Saving for a house deposit, paying off debt, building emergency funds... it all adds up fast. But don’t worry; we’ve got a plan to help you turn those money dreams into reality. Feeling stuck with your financial goals? Here’s how to actually achieve them Do your financial goals look more like a wish list? You're not alone there. But, your goals don't have to be hard, and it definitely doesn’t have to be all or nothing. In this guide, we’ll walk you through five practical steps to set financial goals you’ll actually achieve – a clear, straightforward guide that works. Whether you want to build an emergency fund, save for a car, or plan your wedding, these strategies will help you reach your financial goals faster. Before we get started, download our free financial Goal Setting Template to get started 1. Start with your 'why' and find out what motivates you to achieve your financial goals Why do you want to achieve your financial goals? If your answer is "because I should," it might be time to dig a little deeper.  Your goals need to mean something to you. Think about the life you want to live. Are you dreaming of homeownership, becoming debt-free, or finally booking that dream holiday without maxing out your credit cards? Whatever it is, get specific about what you want to achieve and visualise your goals coming to life. Pro tip: manifest your success Picture your goals clearly in your mind; the home, the holiday, the freedom from student loan debt. Feel it, believe in it, and give your goals the energy they deserve. The power of positive thinking can make a real difference when it comes to achieving your personal goals. Here are some examples of being more specific with your goals: Instead of "I want to save money," try "I want to save $20,000 for a house deposit in two years. " Instead of "I want to pay off debt," try "I want to clear my $5,000 credit card debt by this time next year. " When your goal has a purpose and a time frame, it’s easier to stay motivated and on-track. 2. How to break your financial goals into manageable steps Big financial goals can feel overwhelming, but breaking them into smaller tasks makes them manageable. Focus on one step at a time, and you’ll see progress faster, and be motivated to keep going. Break it down to make it achievable Say your goal is to save $10,000 for a new car. Instead of focusing on the whole amount, break it down: $10,000 over two years = $417 per month = about $14 a day. Suddenly, that big goal feels way more achievable, right?  Progress is progress, no matter how small. The key is to start with a realistic goal and break it down into smaller steps. And remember, breaking down your list of goals into short-term objectives and longer-term goals will help you stay on track. You don’t have to do it all at once; effective goal setting is about taking one step at a time.  Pro tip: track your progress Use free tools like MyBudget's Personal Budget Template, to track your progress and adjust your plans as needed. View this post on Instagram A post shared by MyBudget (@mybudgetau) 3. How to prioritise your financial goals to stay focused Here’s a hard truth: You can’t do everything at once. Trying to save for a house, pay off credit card debt, build your emergency fund, and buy a new car all at the same time? You’ll likely end up doing none of them well. Focus on your most pressing priority Instead, prioritise your financial goals by focusing on your most pressing financial priority. What’s the one financial goal that’s keeping you up at night? Start there. For some people, it’s paying off high-interest credit cards or building an emergency fund to cover unexpected expenses. For others, it’s saving for a comfortable retirement or tackling student loan debt. Whatever it is, knock that one goal out first before moving on to the next. Create a list of priorities Identify your most pressing financial priority Align your short-term goals with your long-term financial goals Track your progress regularly 4. Why automating your financial goals can help you achieve them faster Automation is your best friend when it comes to achieving financial goals. Why rely on willpower when you can put your savings on autopilot? It’s all about setting things up once and letting your money do the work for you. Here’s how to make it happen: Open a dedicated savings account: keep it separate from your everyday spending to avoid temptation. Set up automatic transfers: schedule a set amount to transfer each week or month. Pick a time frame that suits your cash flow. Let your savings grow: out of sight, out of mind means you’re less likely to dip into it for non-essentials. And if you’re a MyBudget client, we take care of the calculations and set up automated transfers for you. Imagine the peace of mind knowing your money is working behind the scenes, even when you’re busy enjoying a holiday or bingeing your favourite Netflix series. 5. Common mistakes people make when setting financial goals (and how to avoid them) We’re all human, and we all make mistakes. But when it comes to financial goals, a little awareness can save you a lot of time (and money). Here are some things to remember: Mistake #1: Setting unrealistic financial goals Want to pay off a large debt in six months? Unless you’re about to win the lotto, it’s probably not happening. Be realistic.  Set goals that challenge you, but are still achievable. Mistake #2: Not tracking your financial progress If you’re not tracking your progress, how will you know when you’ve hit a milestone? Keep your eyes on the prize and celebrate your wins along the way. Mistake #3: Trying to achieve your financial goals alone Sometimes, just the thought of getting on top of your finances can be overwhelming. But you don’t have to go it alone.  MyBudget has helped over 130,000 Australians take control of their finances and achieve their biggest goals. Whether it’s paying off debt, building savings, or setting up long-term financial plans, we’re here to help with expert help and guidance. Ready to achieve your financial goals? Let’s make it happen At MyBudget, we believe that everyone deserves to live a life free from money worries.  We’ll do the heavy lifting for you, managing your budget, paying your bills on time, and building your savings so you can focus on the things that matter most. Here’s how MyBudget will help you achieve your financial goals:  12-month budget plan Personalised to your goals  We do the work Bills, savings, payments managed  See your money grow Track it all with the MyBudget app. Why wait to start living the life you want?  Enquire online today or give us a call on 1300 300 922 to start your journey toward financial freedom. - Published: 2025-01-10 - Modified: 2026-05-06 - URL: https://nz.mybudget.com.au/moneyhub/articles/budgeting-tips/how-to-talk-about-money-in-a-relationship-without-conflict/ - Categories: Budgeting Tips Talking about money in a relationship works best when couples communicate early, share visibility through budgeting, respect different money habits, and seek support before stress turns into conflict. Prefer to listen? Our hosts unpack this blog in a podcast episode, sharing key takeaways, highlights, and how MyBudget takes the stress out of finances, leaving you with less tension, better communication, and a stronger relationship. - Published: 2025-01-10 - Modified: 2025-01-10 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/single-parent-budgeting/ - Categories: Success Stories When single mum Jenni came to MyBudget for help, she was at rock bottom. No partner support, a sick baby, and a single parent budget stretched to breaking point. Sound familiar? I can completely relate; and if you can too, stay with me. MyBudget gave this single mum the tools to achieve financial independence and reach her financial goals. You can totally do this, and we’re here to show you how! Single parent budget challenges: Coping with unexpected financial stress Nobody plans to hit financial rock bottom, and Jenni certainly didn’t. At 34, she had a stable job, a lovely home, and a manageable mortgage. She knew how to live on one income; or so she thought. Things took a turn towards the end of her pregnancy. Medical complications forced her to use up her annual leave and sick days before the baby even arrived. When little Charlotte was born, she needed weeks of intensive care. Normal childcare options? Out the window. Faced with the reality that full-time work wasn’t an option, Jenni watched her carefully laid plans unravel. “I had all these bills to pay and living costs... I knew I was good with budgeting, but things were spiralling,” she says. Those unexpected expenses kept piling up, creating an even tighter budget. Honestly, life happens. One minute you’re planning your weekly grocery shop, and the next you’re wondering how to stretch every dollar to cover all of your financial obligations. It’s overwhelming, but you’re not alone; and there’s a way through it. Single parent financial stress: Delayed parenting payments make things worse Jenni applied for government support, but bureaucracy doesn’t move quickly. Nearly four months passed before she received her first payment. In the meantime, her single parent budget barely covered basic living expenses. Selling her home seemed like the best solution. But when that failed, she moved out and rented it out instead, hoping the rental income would cover her mortgage payments. It helped; but not fast enough. Her home loan repayments were already overdue. Bills piled up. Late fees and loan interest stacked higher. All this while caring for a sick baby. And then there were the relentless creditor calls. “It’s the most awful thing,” Jenni recalls. “Even today, I hate the sound of my phone ringing. ” As a responsible person, Jenni found it soul-destroying. “When you’re doing your best to pay what you owe, but nothing you do is enough, it’s crushing. The worst part was not knowing what I could offer. I didn’t even know what I could afford. ” How to fix a single parent budget: Finding financial stability through a MyBudget money coach Desperate for help, Jenni tried financial counsellors. “They kept asking, ‘How did you get to this point? ’ It felt like they assumed I had a gambling or drug problem. ” Then she saw an ad for MyBudget. “I felt like I was about to lose everything I’d worked my whole life for. People had already come to repossess my car twice. ” Enter Tom, her MyBudget money coach. “He was lovely,” Jenni says. “I felt like I had to justify myself: ‘This isn’t how I normally live. ’ But Tom just said, ‘We all need help sometimes. You’ve come to the right place. ’” And honestly, isn’t that what we all want? Someone to swoop in, like a budgeting superhero, and say, “Hey, we've got this. ” Single parent budget solutions: Practical strategies that work Tom reviewed Jenni’s finances and discussed single parent financial strategies. For the first time, Jenni saw a light at the end of the tunnel. “Tom said, ‘It’s a mess, but we can fix it. ’ He immediately started contacting my creditors. ‘They won’t call you anymore; they’ll call us. ’” Jenni finally felt a weight lift off her shoulders.  “We sat down and worked out what I could afford. Knowing that MyBudget would handle the creditor calls for me was an incredible relief. ” One of the biggest expenses for single parents is housing, whether it’s rent or mortgage payments. MyBudget helped Jenni manage her home loan and avoid high-interest debt by refinancing through MyBudgetLoans. Jenni also started building an emergency fund. Yep, an actual stash of extra money for those unexpected expenses; because we know all too well, life doesn’t give you a heads-up before throwing curveballs. Looking for a side-hustle to create additional income? Here's 25 Best side hustles in 2025 Single parent success story: From crisis to financial control Jenni’s single parent budget was tight at first, but MyBudget helped ease her cash flow with informal arrangements for her creditors. Her personalised budget plan showed exactly what she could afford and how things would improve as her debts caught up. MyBudget also helped Jenni adjust her budget whenever new expenses popped up; like when Charlotte needed extra medical care or school fees. Fast forward to today: Jenni and Charlotte are back in their home. Charlotte’s health has improved, and Jenni’s returned to work. With MyBudget Loans, she refinanced her debts into her mortgage, saving even more. Find out: Is debt consolidation right for you? Now, Charlotte is thriving. Dance classes, swimming lessons, and private school fees are all covered. Jenni says, “Four years on, I have savings, a nice car, and all my bills are paid on time. MyBudget gave us hope for our financial future. ” Jenni’s story is a reminder of how life-changing it can be to seek help when you’re struggling as a single parent. Turning to MyBudget gave her the tools to completely change her financial course and build the future she always wanted for herself and her daughter. The right guidance at the right time can set you on a path to financial independence; and you can do it too. Resources for single parents: financial and emotional support services If you’re a single parent looking for extra help, there are a number of government and community services available to support you: Services Australia: Offers information on Centrelink’s parenting payment, get estimates with the single parent payment calculator, and assistance with managing basic living expenses. National Debt Helpline: Provides free advice from financial counsellors to help you manage personal debt. Lifeline Australia: A 24/7 support service offering emotional and mental health assistance for those feeling overwhelmed. These resources can help you tackle unexpected expenses, access emergency funds, and navigate your financial situation with confidence. Seeking help isn’t a sign of weakness; it’s the first step towards building a better financial future for you and your family. If you’re looking for a more tailored solution to manage your budget, tackle debt, and build savings, MyBudget can help. Our personalised approach is designed to fit your unique financial situation and guide you towards long-term financial success. Feeling overwhelmed? Here’s how MyBudget can help single parents Parenting on your own is challenging enough. Add financial stress, and it can feel impossible. But you don’t have to tackle it alone. If you’re struggling to stay on top of your finances as a single parent, budgeting doesn’t have to be a solo mission. MyBudget can: Create a personalised budget that works with your single parent income Manage bills, debts, and unexpected expenses without the stress Handle creditor calls and negotiate on your behalf Provide practical strategies to help you achieve financial independence A free budget consultation costs nothing, and the customised budget we create is yours to keep. We’ve helped over 130,000 Australians get back on their feet, and we can help you too. Ready to get started with a personalised budget plan? Enquire online or call 1300 300 922 to book your free budget consultation today. For over 25 years, MyBudget has been helping Australians pay off debt, build savings, and create long-term financial goals. You have nothing to lose, give us a call today! - Published: 2024-12-13 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/how-to-get-out-of-debt-and-save/ - Categories: Success Stories When you're finding yourself dealing with money problems and not knowing how to cope, sitting down and planning out debt management plans with the assistance of a budget should be high on your list of priorities. We follow the journey of Sydney couple Megan and Creagh and reflect on just how quickly their financial outlook turned around. They went from desperately dealing with money problems to living their dream life in 12 short months. We taught them how to get out of debt and save, and you can do it too. Dealing with money problems The first step to dealing with money problems is to break the debt cycle and stop relying on credit cards and buy now pay later options. Many people say that financial stress feels inescapable, and working out how to let go of financial stress is even harder. Tangled in a maze of bills and monthly repayments, it's hard to move in any direction, even if you have extra money as you may not know where to start. Long-term goals, such as owning a home or starting a family, can feel like pipedreams without a debt management plan that allows you to make extra payments and get ahead. This is where Megan and Creagh's journey began. Despite having good jobs, the couple, both in their 30s, had amassed nearly six-figures of debt and were ineffectively dealing with money problems, not knowing where to start with their debt payments and struggling with any unexpected expenses that may have come up along the way. Most of their financial difficulties came from credit card debt due to overspending on the little things. “It wasn't big lavish expenses that got us into trouble, it was day to day stuff,” Creagh says. “With the credit cards, it was just like ‘oh well, pay it off later', and it was always later. ” Creagh continues, “It was easy to roll one credit card into another – it was a never-ending cycle and we needed to break that cycle. ” How to cope with financial problems When you're trying to cope with financial problems and you feel like you're getting nowhere, it's time to try something new. In order to break an unmanageable debt cycle before you're overrun with credit card bills, late payments and impending calls from debt collectors, it can be easy to feel helpless. Many get so backed up with credit card debt, payday loans and lines of credit, coasting through on just the minimum payment, that it can easily spiral out of control before you realise it. Megan and Creagh tried to get themselves out of their debt spiral with zero-interest credit card balance transfers, only to find that it backfired. They ended up with more cards and more unsecured debt, and didn't know how to cope with money problems that felt never-ending. “I wanted to go forward, but I felt like we were standing still,” says Megan. For Megan, trying something new was calling MyBudget. She booked a free appointment for her and Creagh to get their unmanageable debt under control. Eleanor was the MyBudget money expert they met with to learn how to get out of debt and save for their financial goals. Eleanor says, “The first thing I assured Megan and Creagh on was that it doesn't matter what your starting point is. I've come across financial situations that are more complicated, and I've never seen a problem that can't be fixed. It's all about coming up with a plan and the sooner you start, the better. ” And that's exactly what they did. Eleanor helped Megan and Creagh create a detailed personalised budget by going through all of their unsecured debts and living expenses in simple steps. “To create a budget plan that actually works, you need to map out all your expenses and monthly income for the next 12 months,” explains Eleanor. “And I mean everything. In addition to all your debts and recurring monthly expenses, you've also got to include the bills that only come up once a year, like insurances, car registrations and Christmas. You've also need to set money aside with an emergency fund for unwanted surprises, like vet bills or car repairs. ” How to let go of financial stress In order to let go of financial stress, it's important to put a plan in place in the form of a budget. This allows you to easily foresee where your money is going, how long it would take you to pay off your debt, and where you can allocate any extra cash to get ahead. “Once we had everything in the budget, Megan and Creagh had a detailed picture of where all their money was going,” says Eleanor. “It was that light bulb moment where they finally had a proper picture of their finances. Megan and Creagh didn't need our help talking to their creditors, but that's something we often do for people. We're often able to suggest weekly and/or monthly payment arrangements that are more affordable, which can help someone who has a lot of commitments. It gives them time to pay their way out of personal debt without needing new personal loans or credit. ” Is it hard to live on a budget? Some people may find budgeting to be restricting at first, but once you're able to better manage your finances, it can open up plenty of possibilities. Megan answers, “We still have the option to go out to concerts and comedy gigs and go out to dinner ... MyBudget are so helpful and they know what they're doing. ” Eleanor puts it this way: “The main change is that Megan and Creagh use their money more effectively. As well as having a budget in place, all of their bills and monthly payment plans are now automated. Their steady income is organised into streams, so there are no surprises, and they have a whole team of experts doing the work that keeps their budget on track. ” How to get out of debt and save To get out of debt and save, the most efficient way is to implement a complete transformation in money spending habits. Looking for areas where you can reduce your expenses, such as eating out less or cancelling unnecessary subscriptions, can save hundreds, if not thousands in a year. By doing so, you may find that you had more money than you initially thought, allowing you to live a much more fulfilling life with healthier spending habits, whilst feeling less anxiety about not having an emergency fund for any potential unexpected emergencies. In one year, Megan and Creagh emerged from a winter of unsecured debt into the financial spring of their dreams. They've paid off five credit cards in 10 months (about $60,000) and the idea of saving for a house is no longer out of reach. Megan says, “We're getting our paperwork together to begin the loan process for a house, so we're starting to go to open houses and look online. It's something I didn't think would ever happen before MyBudget and now it's here and it's such an amazing feeling to have all that hard work pay off. ” Creagh follows up, “MyBudget has been the best decision we've ever made. A weight is lifted off our shoulders. The one regret I have is that I didn't ask sooner. It has literally changed our lives. ” But is it really possible to transform your finances and life in such a short period of time and learn how to cope with money problems like Megan and Creagh did? “It's absolutely possible,” says Megan. “Each week, as we watched our bills getting paid and those savings start to build, it's an incentive to keep going, to keep sticking with the budget because that's going to lead to that end debt repayment goal. Truly, asking for help was the best step. ” Once you have your budget set up, you can follow various debt repayment strategies, paying more than the minimum payment with any extra money in your finances. With various debt management plans, which includes both the debt avalanche method which looks to pay off high-interest debts first, and the debt snowball method that involves focusing on the current debts with the lowest balance first, you can perhaps avoid other methods that may prolong your loan term, such as debt consolidation loans. If you're struggling to formulate the right debt repayment strategy and need help getting on top of your monthly bills, MyBudget has helped over 130,000 Australians live their lives free from money worries. To contact us, enquire online or give our friendly staff a call on 1300 300 922. - Published: 2024-12-12 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/erin-and-adams-mybudget-journey/ - Categories: Success Stories Erin and Adam turned money stress into financial success with MyBudget, achieving milestones like building a home, saving for a holidays, and staying effortlessly on track with their savings goals. MyBudget savings and budgeting case study "How does MyBudget work... Will MyBudget work for me? " For Erin and Adam, successful MyBudget clients, the answer is, a resounding yes. Erin & Adam: A money saving plan with financial happily ever after When Erin and Adam met on a work trip to South America, they never imagined it would be the start of a shared life full of big dreams, exciting challenges, and a journey towards achieving their financial goals together. Fast-forward a few years to Adelaide, twins in tow, and the couple found themselves juggling finances, dreams, and double the nappies. In 2020, Erin began working at MyBudget as a Personal Budgeting Specialist, helping clients set up their budgets. It didn’t take long for her to realise just how much better their own personal budget could be, sparking a journey that turned financial stress into financial success. Why DIY budget spreadsheets didn’t help Erin & Adam save money Like many of us, Erin and Adam initially tackled their personal budgets and finances with spreadsheets. “We had a spreadsheet we checked three or four times a day,” Erin shared. “We were so scared of dipping into our savings for our apartment deposit that we tracked every dollar obsessively. ” But after working with MyBudget, Erin realised their spreadsheet had gaps, expenses they hadn’t accounted for, like Christmas or emergency service levies. “It became obvious we were missing so much,” Erin said. “Our spreadsheet didn’t prepare us for things that seemed predictable but always caught us off guard. MyBudget highlighted all those blind spots for us. ” Adam admitted their DIY system was more stressful than effective. “It was consuming a lot of our time. We thought, surely there’s a better way to do this. ” The turning point: choosing MyBudget to reach their savings goals Erin was the first to embrace the idea of outsourcing their budget. “I was sold from the start,” she said. “Adam was hesitant, but once we saw what MyBudget could offer, it was a no-brainer. ” How MyBudget exposed hidden costs and boosted their money saving plan One of the biggest revelations MyBudget's technology highlighted to the couple? The gaps in their financial budgeting. “We never set aside money for Christmas, how wild is that? ” Erin laughed. “Every year, we’d dip into savings or rack up credit card debt for presents, and every January would feel like a financial hangover. ” MyBudget’s tailored budgeting service helped Erin and Adam account for annual expenses like Christmas, car registration, and emergency service levies, ensuring their financial goals stayed on track. “It gave us a full picture of where our money was going and how to plan for the future,” Adam said, "and budget for and help up reach our savings goals. " How Erin and Adam saved $70,000 for a house deposit MyBudget didn’t just help Erin and Adam manage their money, it transformed their entire approach to spending and saving. By creating a personalised budget tailored to their money goals, MyBudget gave them the tools and expert support to make small, manageable changes that added up to big results. With twins on the way, Erin and Adam were grateful they’d already set up their MyBudget plan. “We didn’t have to stress about paying bills or losing sight of our long-term financial goals,” Erin shared. “Thanks to MyBudget’s personalised budget plan, we could see exactly how much time I could afford to take for maternity leave and really cherish those precious moments with our twins. ” How long does it take to save for a house deposit in Australia? In just two years, Erin and Adam saved over $70,000 for a home deposit, thanks to their commitment to sticking to their budget plan and rethinking their spending habits. They made simple swaps, like replacing their daily café coffees with homemade coffees, saving $4,000 in a year. They also planned a $5,000 family holiday to Fiji in just six months, all while Erin was on maternity leave. Meal planning to save money fast was key to their successful money saving plan. Before MyBudget, their food bills were unplanned and often exceeded expectations. Now, Erin carefully plans weekly food shops for their family of four under $225. “This just wouldn’t be possible without MyBudget,” Erin said. Want to see how much you could save by making small changes? Check out MyBudget's free Savings Calculator. How MyBudget fast tracked Erin and Adam’s savings goals Adam summed up MyBudget perfectly: “Even if you think you’re doing okay, MyBudget is like a personal trainer for your finances. It helps you take things to the next level. ” With MyBudget’s expert guidance and innovative budgeting tools, Erin and Adam turned their first apartment into an investment property, bought a family car, and are now building their dream home in Brisbane. Erin shared her appreciation: “MyBudget lets us dream with our eyes open. We know when we can achieve our goals, not just if we can. ” Smart budgeting and saving brought peace of mind For Erin and Adam, MyBudget was more than just budgeting, it was the key to reclaiming time, reducing stress, and achieving financial freedom. “We haven’t had to pay a bill in two years,” Erin said with a smile. “Now, our dinner table conversations are about family, not finances. ” “Using MyBudget means we can focus on what really matters, being present with our kids,” Adam added. Erin’s advice: why starting a savings plan with MyBudget works Reflecting on their journey, Erin encourages anyone considering MyBudget to give it a go. “When people ask us why we joined MyBudget, I say you should try it for yourself. It’s a free appointment. You’ve got nothing to lose and everything to gain. ” From South America to South Australia to their soon-to-be dream home in Brisbane, Erin and Adam have shown that with the right tools and a little guidance, you can achieve more than you ever thought possible. Ready to start saving money and reach your goals fast with MyBudget? For over 25 years, MyBudget has helped over 130,000 Australians take control of their finances and achieve their dreams. From saving for your first home to saving for holidays and reducing money stress, we’re here to help. At MyBudget, we’ll: Create a personalised budget to reach your money goals Manage bills, savings, and provide debt relief solutions Offer free money tools to give you clarity and control Keep you on track with your money with expert real-time support. Imagine a life where your bills are always paid, your savings grow, and your goals, like owning a home or taking holidays, are within reach. Take the first step today with a free, no-obligation appointment. Enquire online or call us on 1300 300 922, the life you want is closer than you think. For more inspiration, check out Erin and Adam’s podcast interview with Tammy Barton where they share money saving tips, budgeting strategies, and how MyBudget helped them reach their financial goals. - Published: 2024-09-13 - Modified: 2026-01-22 - URL: https://nz.mybudget.com.au/moneyhub/articles/property-talk/how-to-buy-a-home-in-australia/ - Categories: Property Talk Out-of-the box ideas for how to get into the property market with Australian house prices still rising (along with the deposit required for a home loan!) So, you're looking to enter the Australian property market in 2025? Bold move! But let’s be honest; things have changed drastically over the last 50 years. Sure, buying a home was always tough, but today’s prospective buyers are facing an entirely different game. If your parents or grandparents are reminiscing about battling high interest rates; bless them, but it’s time to acknowledge their struggles and focus on today’s reality. Homebuyers now are navigating a whole new level of difficulty. Whether you’re a first-home buyer, a couple, going solo, or a late entrant into the housing market, this guide will help you on your journey to securing the Australian dream of homeownership. Debunking the baby boomer myth: high-interest rates vs. today's challenges Ah, the classic baby boomer line: “Back in my day, we dealt with 17% interest rates! ” It’s often said with pride and a subtle hint that maybe, just maybe, you’re not trying hard enough. But let’s take a quick trip down memory lane. In the 1980s, your parents might’ve bought a house for what you’d now consider the price of a used car. The Australian property market was tough then, but today’s market is on a whole different level. Fast forward to 2025, and it feels like you need a small fortune just to afford a deposit in any capital city. The relentless rise in house prices has made saving for a home significantly harder than it was for previous generations. Why is it harder to break into the property market in 2025? In 2025, the dream of homeownership feels more elusive than ever, and it’s not just rising property prices to blame. A tangled web of financial challenges has made it significantly tougher for today’s prospective buyers compared to previous generations. Let’s break down why getting into the property market can feel like an impossible feat. Wages haven’t kept up: Back in the 1980s, it took three times your salary to buy a home; now, it’s eight times, according to the ABC's Gruen. Today’s 30-year-olds are facing the toughest economic conditions in Australia’s history when it comes to homeownership. Doubling of HECS bills: HECS bills have doubled over the last 15 years, adding extra debt to today’s first-home buyers. A burden that didn’t exist in the same way for earlier generations. Lower relative tax for baby boomers: While they faced high-interest rates, baby boomers paid only half the tax that today’s 30-year-olds do. This lighter tax burden left them with more disposable income for saving and buying a home. Significantly higher stamp duty: In the 1980s, stamp duty was a minor expense due to lower property prices. New data from realestate. com. au shows homebuyers are paying up to six times more than a generation ago. As property values soar, so does stamp duty, adding a hefty upfront cost that makes saving for a home even tougher. Higher living costs and stricter lending criteria: In 2024, comparing the national average house price to median income is like comparing apples to gold-plated apples. Add in rising living costs and tougher lending criteria, and today’s buyers face a very different scenario from their parents or grandparents. Should I Buy a House Now or Wait Until 2026? The big question: buy now or wait for mortgage rates to drop? With property prices climbing, it’s easy to feel the pressure. But before making a move, consider these factors: Buy when you’re ready and you can afford it The best time to buy is when your finances are in good shape. Don’t stress about market predictions; property markets are cyclical, as Dr. Nicola Powell from Domain points out. If you’ve found a home you love and you're financially ready, that’s your green light. The pros and cons You could wait for interest rate cuts, but that might also mean higher median house prices and more potential buyers to compete with. On the flip side, buying now locks in today’s housing prices and gets you into the market sooner, but with higher monthly payments to start with. Bottom line The best time to buy is when you’re financially ready and have found a place that ticks all your boxes. Waiting for lower interest rates, perfect house values or just procrastinating on making a financial decision could leave you waiting too long and missing a great opportunity. How to make your finances shine for lenders Before diving into the real estate market, let’s get your finances in tip-top shape so you’re looking your best to all the financial institutions: Clear and cut your debt: Pay off debts. Lower credit limits or close cards to boost your borrowing power and ease lender concerns. Refresh your budget: Adjust spending so every dollar goes toward your house deposit. Cut unnecessary costs and reallocate funds where needed. Organise tax returns: Keep your paperwork up-to-date and well-organised to show lenders you’re a reliable borrower. Boost your savings: Use a high-interest account and pay bills on time to keep your credit score sparkling. With these steps, you’ll be on your way to impressing the bank and securing your dream home. When you’re ready to explore financing options, MyBudget Loans can help. Our team can guide you through government schemes, find the right loan, and assist with your application. We’re here to provide expert advice on the best mortgage options, supporting you every step of the way. Expert tips for every property buyer For first homebuyers: It’s tough out there, but don’t lose hope. Government incentives are your best friend, so make sure you’re tapping into every available grant and scheme. If capital city areas are too steep, consider regional areas or start with a smaller, more affordable unit as your first step onto the property ladder. For single parents: You’re already a superhero, so adding “homeowner” to your title is just another win. The government’s Family Home Guarantee can help you buy with just a 2% deposit. Explore this and other grants for single-income borrowers. Co-ownership or looking in outer suburbs or regional areas might offer more affordable prices. For couples: Two incomes can work wonders. Combining savings can make all the difference, especially in pricey inner-city areas. Communicate openly about financial goals and consider living on one income while saving the other. This approach can help you manage potential rate hikes. For retirees: It’s never too late to buy. Consider using your superannuation or other financing options to fund your property purchase. Explore government grants for older Australians and focus on affordable suburbs. Co-owning with an investor or family member can also ease the financial burden and help you enter the market with confidence. Homeownership starts with a realistic budget Before you start touring open houses, let’s tackle the most crucial part of your property purchase: your budget! (Maybe not the most exciting, but definitely essential. ) A solid budget is the foundation of all your financial goals. Start by downloading MyBudget's free Personal Budget Template and follow our expert tips: Assess and cut back: Know what’s coming in and going out Set a savings goal for your house deposit: Break down your deposit goal into monthly targets Automate your savings: Set up a direct debit to a high-interest account each month Track and adjust your budget regularly: Check in on your budget regularly and adjust as needed. And don’t forget, MyBudget is here to help every step of the way. We’ll work with you to create a tailored budget that aligns with your homeownership goals. Our experts can help you manage your finances, reduce debt, and build savings, so you’re ready to make your property dream a reality! What's next for the property market? So, what’s the crystal ball saying for the foreseeable future? In this current market, brace yourself for continued strong demand for housing in both capital city and regional markets. With strong population growth, limited housing supply, and upward pressure from increased demand, property prices are likely to stay elevated. While the market might cool slightly, don’t hold your breath for a major drop in prices. Stay savvy, be flexible with your expectations, and keep an eye on trends like rental demand and shifts in housing supply that could tip the scales in your favour. Final thoughts: Don’t give up on your property dream Yes, the market is tough, and yes, it’s more expensive than it used to be. But homeownership isn’t out of reach. With the right strategy, patience, and persistence, you can make it happen. Explore every option, use the resources available, and don’t hesitate to seek professional advice. Remember, owning a home is a marathon, not a sprint; with a solid plan, you’ll be well on your way to securing the Australian dream of owning your own home. Ready to take the next step? Now that you’re armed with valuable economic insights and feeling inspired, it’s time to turn those homeownership goals into action. Whether you need help setting up a budget, reducing debt, or saving for that crucial house deposit, MyBudget... - Published: 2024-07-24 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/success-stories/from-financial-strain-to-achieving-dream-goals/ - Categories: Success Stories Caroline's journey with MyBudget is proof of the transformative impact expert financial support can have in achieving dream goals. From worrying about managing her finances on a single income to transitioning to a new career and building her dream home, Caroline's story highlights the invaluable guidance MyBudget provided. Join us as we explore her inspiring journey and the life-changing support she received from MyBudget. Making the call to MyBudget In 2009, Caroline found herself at a crossroads. She was going through a divorce and worried about managing her finances as a single parent. Living week to week, she had no budget skills or a clear plan on how to achieve her financial goals. Determined to achieve her dream of owning a home, she knew she needed help. A MyBudget TV advertisement caught her attention, and she decided to make the call that would change her life. During the MyBudget consultation, Caroline was given a step by step plan, which provided her with the structure and support she was looking for. She received a fully customised budget that not only provided money management, MyBudget dealt with her creditors and she was on the way to saving towards a worry-free financial life. Acknowledging her lack of financial expertise, Caroline was able to focus on her strengths while happily leaving the financial decisions to the experts at MyBudget. Caroline's advice to everyone is simple: "It is easier than you think. It does take some adjustment, but it's giving you a better relationship with money and you have the confidence of no more money worries. Everything is achievable. " "Reaching out to MyBudget was the best decision I've ever made. " ~ Caroline Navigating challenges and returning to MyBudget Caroline's journey wasn’t just about single parent budgeting; it was about overcoming personal challenges and following her dreams. After five successful years with MyBudget, circumstances took her overseas. Believing she could manage her finances alone, Caroline parted ways with MyBudget, only to realise that was a mistake. Upon returning to Australia, Caroline immediately rejoined MyBudget with renewed determination; this time with even more achievable goals. Caroline recognises that MyBudget's financial services were a crucial step in her journey towards building her dream home and advancing her career through further study. She emphasises that without their amazing customer service representatives, achieving these milestones would not have been possible. View this post on Instagram A post shared by MyBudget (@mybudgetau) A lifelong support system For Caroline, MyBudget is more than just a financial service; it's a support system she likens to financial coaching. The team at MyBudget are committed to supporting her financial journey, they listen attentively, guide her through challenges, and deliver on their promises. When Caroline faced uncertainties or needed adjustments due to rising cost of living, MyBudget's forecasting tools and expert advice ensured her financial stability. Today, Caroline sleeps soundly knowing her bills are managed, and her financial future is secure. "I have confidence and no more financial worry. Everything is achievable with MyBudget. " ~ Caroline Looking ahead: new goals and advocacy for MyBudget Having now been with MyBudget for a total of 10 years, Caroline’s dream home build is complete. She has set her sights on new financial goals: landscaping her yard, purchasing a new car, enjoying family holidays, and investing in property for her children's future stability. As a single mother of three, providing her children with a secure upbringing is paramount. Caroline's advocacy for MyBudget stems from her belief that financial peace of mind is achievable for anyone willing to take that first step. Reflecting on her journey, Caroline emphasises, "If I had to describe MyBudget, it's just amazing! Life-changing! I have to pinch myself every day; I can't believe I was able to achieve this. It's all because of MyBudget. " How can MyBudget help you? At MyBudget, we understand the weight of financial stress during life's challenges. With over 25 years of expertise and the trust of over 130,000 Australians, we specialise in tailored budgeting and debt solutions that lead to a life free from money worries. Whether you're saving for a home, transitioning to a new career, or facing financial uncertainties, our dedicated team is here to support you every step of the way. "They stepped me through a process, reassured me, and delivered exactly what they promised. " ~ Caroline Ready to rewrite your financial story? Call us today at 1300 300 922 or enquire online. Who knows? Perhaps one day, we'll be sharing how a simple call to MyBudget changed your life! Cheryl is part of the MyBudget Corporate Finance team and takes care of the company’s finances with the same care that MyBudget extends to their clients budgets. She speaks from the heart about relevant financial topics, reflecting on her own personal journey through separation, single parenting, budgeting, investing and beating cancer. - Published: 2024-07-03 - Modified: 2024-07-03 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/the-voice-of-mybudget/ - Categories: Tammy's Thoughts When I was little I dreamt of being a singer. I even joined the Johnny Young Talent School. Fortunately — to the great relief of my family’s ears — I eventually came to the conclusion I wasn’t cut out for it. That’s not to say that my voice isn’t unique and attention-grabbing. It has through the years been described in such euphemisms as nails on a chalkboard, squeaky hinges and a sick kazoo. That’s to name just a few. My voice is one of the more persistent topics of feedback we get from the public. The criticism concerned me at first, but I’ve long-learned to accept my nasal Aussie twang. I often think that maybe one of the underlying issues is that we’ve become so used to hearing media-type voices that real voices sound weird when we hear them on television and radio. In 2008, when we made our first TV ads, it was suggested I be the face of MyBudget. From there, I went to do the voiceover for our radio commercials. It all made sense and we quickly realised that my voice had ‘cut-through. ’ The ads stood out because I don’t have a traditional media voice that blends in with other advertising. We were excited — people were actually hearing our ads! I continue to meet people who don’t recognise my face but say “I know your voice from somewhere. ” (By the way, having a cut-through voice also comes in handy for gaining the attention of children, ordering drinks in a noisy bar, calling for the ball in team sports, and parodying Kath and Kim. But I digress! ) MyBudget’s first advertising campaign was a huge breakthrough for us. Before 2008, we had been growing mainly by referrals and word-of-mouth. Our challenge in reaching out to the public was that MyBudget was a new type of service. We had made our own category — what was the best way to explain what we do in less than a minute? We figured we’d let the stories tell themselves. That’s why we use real clients in our commercials. Their real-life stories are much more inspiring than we could possibly invent. In the process, MyBudget has grown to be bigger and more multi-voiced than my twangy vocal chords. For a fleeting second, we thought about recruiting a celebrity spokesperson for MyBudget, but who wants to hear about budgeting from a celebrity? That’s not what MyBudget is about. We’re here to help everyday Aussies with their finances, from every walk of life, at every income level, no matter what their financial goals may be. So, my dream of being a singer is long gone, but my dream of reducing financial stress in the community is rocking on. This is my passion and I couldn’t be prouder to put my voice to it. (But I do apologise to those with sensitive hearing! ). - Published: 2024-04-14 - Modified: 2024-04-14 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/bad-credit-home-loans-what-are-they-and-how-can-you-get-approved/ - Categories: Property Talk If you have bad credit and are struggling to secure a home loan in Australia, non-conforming loans may be the solution for you. While traditional lenders may reject your application due to a bad credit history, non-conforming loans offer an option for individuals looking to buy a home. With the current housing market conditions in Australia, obtaining a home loan has become challenging. Non-conforming loans cater to borrowers with bad credit scores who may not qualify for conventional mortgages. These loans usually come with higher interest rates and strict credit requirements, but they can provide a path to homeownership. If you find yourself in a situation where traditional lenders have turned you away due to your bad credit, consider exploring non-conforming loans as a viable option. This type of loan can help you overcome the hurdles of bad credit and increase your chances of being approved for a home loan in Australia. Can you get a home loan with bad credit? Non-conforming loans are available in Australia for individuals in this situation. These loans are offered by non-bank lenders who understand that life circumstances can sometimes lead to financial challenges like missed payments or unpaid defaults. They will work with you personally to understand your situation and explore potential solutions. Just because you've faced credit issues in the past doesn't mean you can't secure a home loan. Non-conforming lenders provide an alternative to traditional banks and may be able to offer you a loan even with a less-than-perfect credit history. Don't give up on your dream of homeownership! https://twitter. com/MyBudgetcomau/status/1562747619772104704? cxt=HHwWgIDU4cWr_68rAAAA What is a non-conforming loan? Understanding what a non-conforming loan is, is essential for those with bad credit looking to secure a home loan in Australia. Non-conforming home loans are specifically designed for individuals or couples who have a poor credit score and may not meet the standard lending rules set by major banks for loan applications. These loans offer an alternative option for those who don't qualify for traditional loans due to their credit history. To qualify for a non-conforming loan, honesty about your financial situation and credit record is crucial. Lenders and credit unions will assess your ability to repay the loan, so it's important not to hide any outstanding debts or issues that may impact your creditworthiness. Despite the challenges of securing bad credit loans, exploring non-conforming loan options can offer a path to homeownership for those facing credit challenges. What are the benefits of getting a non-conforming loan with bad credit? If you have bad credit and are looking to get a home loan, opting for a non-conforming loan can offer several benefits. These include better chances of approval, as non-conforming lenders are often more lenient during the application process. Additionally, non-conforming loans typically come with more flexible loan terms, allowing borrowers with bad credit to find a loan that suits their financial situation. Furthermore, non-conforming loans may require lower deposits, making it easier for potential borrowers with bad credit to secure financing.   What are the potential drawbacks of getting a non-conforming loan with bad credit? When considering a non-conforming loan with bad credit, it's important to be aware of the potential drawbacks involved. These loans typically come with higher interest rates than regular loans, as lenders see them as riskier investments. This means that you may end up paying more in interest over the long term, which can put additional stress on your budget. It's crucial to carefully weigh the costs and benefits before deciding if a non-conforming loan is the right choice for your financial situation. How can you improve your chances of getting approved for a non-conforming loan with bad credit? Improving your chances of getting approved for a non-conforming home loan with bad credit is crucial if you're looking to purchase a house. While it may be more challenging than getting a traditional mortgage with a perfect credit history, there are steps you can take to increase your likelihood of approval. Potential borrowers with lower credit scores and higher debt-to-income ratios may face more obstacles, but they can still improve their chances. Before applying for a non-conforming loan, consider the following tips to enhance your approval odds: Get your credit report under control If you're looking to improve your chances of getting approved for a non-conforming loan with bad credit, the first step is to take control of your credit report. Obtain a copy of your credit report from Equifax to understand what may be impacting your credit score. Consider making a plan to address any overdue debts, as they can stay on your file for up to five years. Paying off balances, whether it's credit cards or personal loans, can show potential lenders that you're taking steps to improve your credit. Lenders will want to see that you're making progress in addressing any credit issues. If there are inaccuracies on your credit file, request to have them corrected promptly. Errors can negatively impact your chances of getting approved for a loan, so it's important to address them with the credit reporting agency and the credit provider involved. Taking proactive steps to improve your credit history can strengthen your application for a non-conforming loan despite having bad credit. Shop around Each lender has different criteria and views on individual situations, so if one lender rejects your application, don't lose hope; another lender may see things differently. By working with specialist lenders like MyBudget Loans, you can access a wide range of lending solutions tailored to your circumstances. The team of lending specialists at MyBudget Loans will match you with the right lender and lending option for your needs, whether you're looking to buy a new home or invest in property. However, one important factor to keep in mind is to be cautious about applying for multiple credit sources within a short period of time, as this can negatively impact your credit score. It's best to focus on one type of credit at a time to avoid potential setbacks. Having our team at MyBudget Loans can help you navigate the loan application process wisely. Make sure you are in a situation to afford the repayments Before applying for a non-conforming loan with bad credit, ensure that you are in a financial position to comfortably manage the loan repayments. Non-bank lenders, just like mainstream banks, will want to see that you can afford the monthly repayments without putting yourself at risk of default. Take a close look at your budget to make sure you can afford the proposed repayments and have some flexibility to make extra repayments if needed. While some lenders may advertise the lowest interest rates, it's important to also compare competitive rates offered by different non-conforming lenders before submitting multiple applications. Ultimately, the goal is to find a lender that not only offers affordable repayments but also provides room for additional repayments in case you want to pay off the loan sooner. Look at alternatives to Lender’s Mortgage Insurance (LMI) If you're struggling to secure a non-conforming loan with bad credit, one option to consider is looking at alternatives to traditional Lender’s Mortgage Insurance (LMI). When you have a low deposit, you may be required to pay for LMI to cover the lender in case you miss payments. However, some lenders offer a Lender Protection Fee (LPF) instead of using third-party mortgage insurers. This allows them to evaluate your loan application without needing approval from LMI providers, giving you more flexibility and potentially increasing your chances of approval. If you have a bad credit history or uncertain income, traditional LMI providers may reject your application even if the main lender has approved it. By exploring alternatives like LPF, you may find a lender who is willing to work with you despite the challenges. It is also good to factor in and understand the Mortgage Risk Fee. If you're interested in learning more about bad credit home loans or mortgages, don't hesitate to reach out for guidance on connecting with lenders who specialise in helping individuals or couples in similar situations.   If you’d like more information on bad credit home loans/bad credit mortgages, talk to us today about how we may be able to help you make contact with lenders that can help if the major lenders have said ‘no’ to your loan application process. In addition, MyBudget has helped over 130,000 Australians live their life free from money worries. By setting up a budget, the automated system will work to improve your poor credit rating and credit situation by paying down debt and paying your bills on time. Who is a non-conforming loan for? Non-conforming may not be a common term, but you might be surprised by how many Australians have been denied a standard home loan because they fall into this category. A non-conforming loan may be for people who: Are self-employed Have recently started a business or a new job Have bad credit history Have been previously bankrupt Have an outstanding ATO tax debt Have a... - Published: 2023-07-05 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/podcasts/how-to-talk-to-your-kids-about-money/ - Categories: Podcasts As a child, Krystal tried to understand why her family suddenly couldn't afford the things they once could. Her parents bought their first house at 21, then upgraded to a new home after she was born. But when Krystal turned 7, her mum's behaviour changed, and tensions began to grow in their household. Bills were overdue and debts started to spiral out of control, which all led to her family feeling the weight of major financial pressure. Talking to your kids about money can seem daunting, but it's important to start the conversation early so they can develop financial habits that will last a lifetime. Growing up in a household that saw both the highs and lows of financial stability, she now finds herself wishing that her parents had more honest conversations about money with her growing up. In our fifth MyMoney MyStory podcast episode, Krystal talks about how joining MyBudget changed her family's relationship to be more open to talking about money and helped repair their broken relationship. https://www. youtube. com/watch? v=8OW7R6hBs1s Why it's important to talk about money with your kids Setting up your children for financial success means talking to them about money from a young age. By teaching them the value of money, budgeting, and saving, you're giving them the tools they need to become financially responsible adults. Krystal's dad made a crucial financial decision in 2021 when he decided to join MyBudget, creating a shockwave of relief for their family. He went from drowning in debts to consistently paying them off and achieving lifelong financial goals.   "We're having a bigger effect in the community than just our clients," MyBudget Founder and Director Tammy Barton stated during Krystal's podcast episode. Be honest about your financial situation "From a young age, about six or seven, I first started to notice it. But Dad essentially just liked to spend a lot of it. I saw my family getting into a lot of debt. I started to ask questions around the age of 10 or 11 when we started learning a lot in math about money and what you're spending. " Bills were due that would become overdue, meaning her mum would be chasing extensions and trying to scrounge together whatever money she could to pay down the arrears. Krystal had to read between the lines about her family's financial position, making her feel obligated to help, without really knowing how. This led to pressure that was felt by the entire household when it could have been addressed earlier through clear communication and budgeting.   Talking to a financial advisor or an accountant can be a good start to preparing a financial plan. The MyBudget difference is that you can make your current income work toward your goals with feasible and realistic changes to your budget. Start early to build good budgeting habits Money habits are learned behaviour, especially from a young age, and for better or worse, they can heavily impact your relationship with money. Your spending habits and personal finances greatly impact your children's understanding of money matters. Krystal and her brother began to make board payments after they started working, which helped their parents to find their feet again. But a few years later, the spending issues came back into play. It wasn't much longer until it would contribute to the collapse of Krystal's parents' marriage. "At that point, what happened and how much debt had been accrued over the years came to light. It was in excess of about $50,000 because they essentially had car loans, credit cards, all of that sort of thing. "  Teach the basics of saving, spending and giving Positive money habits can be established in children from a very young age. In the podcast episode, Krystal shares, "teach your kids to live within their means, set goals and encourage and show them how to work towards them". Teaching savings with their own bank accounts (or piggy bank if you're old-school) and putting away birthday money is a great starting point for young children. Each birthday, you can encourage your child to save most of the money they receive as gifts, with a small allowance for spending. You can sit down and have a conversation about financial goals, getting them to think about the value of saving as opposed to spending as soon as you get extra money. In the wise words of Krystal's pop: "if you can't afford it, you don't need it".   Teach the value of delayed gratification Saving for a big item, like a toy or device they want, is an ideal way to teach about everyday life and financial skills. Delayed gratification is one of the most important money lessons you can teach and can help your children avoid getting into credit card debt in the future. It is one of the greatest money values to have and is a great age-appropriate conversation with your children. A healthy relationship with money can lead to more opportunities to find success in life. Use real-life examples to teach money management The concept of money needs to be discussed in depth for children to understand it completely. Some money topics they need to understand are: where it comes from, why we need it, how to get it and what it is used for. Teaching them the best way to ensure they are financially secure is a valuable lesson that will stay with them for life. Encourage kids to set financial goals Many people have never created money goals, let alone reached them. Talking to your kids about money goals sows the seeds of understanding to ensure they are comfortable with saving. Before you have the conversation, make sure you have a clear understanding of your own goals so you can communicate the importance truthfully.   Make a plan to reach the goals In order to encourage financial goals in children, you could employ a savings chart or have rewards for a savings goal. Giving your children the opportunity to earn more through chores can encourage them to work harder in order to reach their goals faster. If your children are old enough, they could look at taking part-time jobs, or you could issue them a monthly allowance, and this can teach them the value of budgeting. As a MyBudget employee, Krystal understands the importance of clear budgeting and has witnessed the profound impact it can have on lives. Since joining MyBudget, Krystal's dad has made huge advances financially and is smashing his goals.   Avoid using money as a reward or punishment When you tie emotional reactions to money, it can lead to emotional spending. For example, taking money away for bad behaviour can lead to self-sabotaging behaviours in children. They need to see money as neutral, so they can stay in control of their behaviour around it and use it to their advantage rather than as an emotional trigger. Dr Helen Street, psychologist and educator, says you should acknowledge children's success, not praise them. “If I said to my kids, ‘If you tidy up the living room, I’m going to give you ice cream’, they might tidy up the living room, but not because they’re doing something for the family or because it needs doing or they want to help out – they’re doing it because they like ice-cream,” says Dr Street. By teaching your children about the purpose of good money habits, rather than just rewarding them for it, they will gain a mature understanding of the long-term benefits. Teaching children about money and showing them why they need money skills is a great gift of maturity you can pass on to them. Make it a continuous conversation, not a one-time discussion Talking about money may feel a little uncomfortable, as it has always been seen as a no-go zone for conversation historically. In reality, it is critical for children to have an in-depth understanding of money and saving. Start with basic money conversations, or introduce a money box for saving, to start instilling money values in your children. The life lessons we can pass on to our children will allow them to bring money values to their adult life. Communicating your approach to money conversations and buying decisions is a great way to review your own habits and ensure you're equipping your children with the understanding they need to succeed. To get started and take charge of your own financial future, MyBudget has helped over 130,000 Australians live their lives free from money worries. We can help you too, be sure to give us a call on 1300 300 922 or enquire online today. - Published: 2023-06-07 - Modified: 2023-06-07 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/a-mortgage-cliff-is-looming-what-can-australians-do/ - Categories: Tammy's Thoughts If you’re one of the more than 1. 3 million Australians who will be forced to move from a fixed interest rate home loan to a variable interest rate loan this year or next, it’s understandable that you may be worried about a mortgage cliff. While people on variable interest rate home loans have been enduring interest rate rises and increases to their mortgage repayments incrementally over the past year, those facing the mortgage cliff will be hit with a year’s worth of interest rate increases (or more) literally overnight. This change from a low interest rate loan to a much higher one – and the subsequent sharp increase in home loan repayments – is a situation facing 880,000 Australians in 2023 and another 450,000 in 2024, according to the Reserve Bank of Australia (RBA). What is a mortgage cliff? The phrase ‘mortgage cliff’ describes the mortgage crisis some Australians may be facing now that their fixed-rate home loan terms have ended or will be ending soon. This means they will be transitioning from paying a low fixed interest rate on their mortgage to a much higher variable interest rate. Unlike a fixed interest rate loan, under which the rate of interest is set and can’t be changed for the term of the loan, the interest payable on a variable interest rate loan can be increased, or decreased, by lenders – usually in line with changes the RBA makes to the official cash rate. Thanks to 12 interest rate rises from the RBA since May 2022, the official cash rate has jumped from 0. 1% in April 2022 to 4. 1% in June 2023. At the lowest point, a fixed-rate home loan of less than three years could be secured at an interest rate of less than 2%. By contrast, the average variable home loan interest rate in May 2023 was 5. 61% according to comparison site Finder, with many well above 6%. The average home loan issued between 2020 and 2022 was for $550,000. At that level of borrowing, coming off a fixed rate of 2% and onto a variable rate of 6% would result in a $1,212 increase in the monthly mortgage repayment. Overall, the RBA estimates that mortgage repayments will increase by at least 30% for 90% of people rolling off fixed rate loans during 2023 and 2024. What has led to this mortgage crisis? During the COVID-19 pandemic, interest rates were at record lows as the RBA was concerned that the pandemic would decimate the economy. As part of its support to banks during this time, the RBA provided them with cheap access to three-year fixed rate credit, which the banks then passed onto consumers via cheap, fixed rate home loans. Many people took advantage of this by taking out two-to-three year fixed rate loans, either for new properties or refinancing existing mortgages. Their confidence in this strategy was also boosted by comments made by RBA governor Dr Philip Lowe in 2021 that interest rates were unlikely to increase until 2024. Such was the popularity of fixed rate loans that by mid-2021 they represented about 45% of all new mortgages by value, compared to an average of around 15% before 2020. Will interest rates go down in 2023? Australia’s big four banks are split on their forecasts about how high interest rates might climb, when interest rates will go down and where they will finally land. Both the Commonwealth Bank of Australia (CBA) and Westpac believed the cash rate had peaked when it hit 3. 85% in May. CBA is predicting the first interest rate cut will occur in November 2023, while Westpac is forecasting that interest rates won’t begin to go down until February 2024. National Australia Bank (NAB) thinks interest rates have now peaked with the increase to 4. 1% in June, while ANZ is forecasting a further rate rise to see interest rates hit 4. 35%. NAB is forecasting the first cut in April 2024 while ANZ doesn’t see interest rates falling until November 2024. Views on where interest rates may eventually land vary from CBA’s forecast of 2. 6% at the lowest end to ANZ’s 4. 1% at the top end. What can Australians do to protect themselves? If you’re worried about falling off the mortgage cliff when your repayments increase, you’re not alone. The RBA estimates that about 25% of borrowers coming off a fixed rate loan and onto a variable one during 2023/24 will be spending over 30% of their income on their home loan, which is a key measure of financial stress. But there are things you can do to improve your situation and the first is to plan well ahead. Contact your bank Contacting your bank several months in advance of your fixed rate loan ending to find out what variable interest rate your loan will revert to when it rolls off and how this will change your repayments will give you time to prepare. Incorporate this into your budget to work out if your new repayments will be affordable, and if not, see if you can negotiate a better deal with your bank. Your bank may be able to move you onto an interest-only loan for a short period of time, while some banks are also looking at extending the terms of their variable home loans to help lower repayments in the short-term – but be aware that this may result in you paying more interest over the life of the loan. Contact your broker The ‘revert rates’ that fixed loans roll off onto are usually not very competitive, so you could also use a mortgage broker to help you refinance your loan with another lender offering a better deal. Even if you don’t have the best credit history, there are options available to you. But keep in mind that breaking your loan and setting up a new one will likely come with transaction costs. Use some savings If you have savings, this money could help to act as a buffer for when your mortgage payments increase. In order to boost your savings, take a look at your budget and ways you can cut your discretionary spending. If the situation means you may have to consider selling your property, consider contacting your bank’s hardship team before making any decisions. But if you ultimately decide that’s the best decision, it’s better to be proactive and sell on your own terms rather than being forced into a sale by your lender. Tips for dealing with financial uncertainty during difficult times If you’re experiencing financial stress, it’d be helpful to have a clear picture of your finances to understand if your stress is warranted. Having a budget that lists all of your incomings and outgoings can be the best way to see this. Once you have a budget in place you may consider options for earning extra income, such as starting a side hustle, renting out part of your home to a boarder or taking on extra shifts or a second job. You can also take a close look at your expenses and ways to cut back on what you spend. To ease the burden of financial uncertainty, it may also help to take a conservative approach to any financial decisions and have an emergency fund in place. For help with managing financial stress and uncertainty, or if you’d like help engineering a soft landing off the mortgage cliff, contact the team at MyBudget on 1300 300 922 to discuss your situation and learn more about our services or enquire online. - Published: 2023-05-09 - Modified: 2026-07-22 - URL: https://www-mybudget-co-nz.mybudgetstg.wpengine.com/moneyhub/articles/podcasts/overcoming-business-and-financial-setbacks-with-shane-michael-hatton/ - Categories: Podcasts Shane was struggling with an involuntary debt that was outside of his control and a series of financial setbacks, and was left unsure of how to turn things around. His journey into the business world was met with some speed bumps and setbacks, but luckily, he discovered MyBudget which became his dashboard to success. Through determination and a solid budget plan, he was able to recover and turn his business into a success. Financial difficulties can happen to anyone, whether it's due to unexpected expenses, lost income, or factors outside of our control. But the good news is that it's possible to recover and come out stronger on the other side. Shane's story is proof that with the right mindset and tools, anyone can turn their financial situation around. In this article, we'll dive into Shane's journey and explore the steps he took to recover from the hurdles he experienced in his business. From creating a budget to finding new sources of income, we'll cover the strategies that helped him to succeed. Whether you're facing financial struggles of your own or just looking to improve your financial situation, Shane's story is sure to inspire and motivate you. Introduction to Shane's financial stress Shane shared his experience of starting his own business and the challenges that came with it. While he congratulates anyone that takes the leap in starting a business, there’s no escaping how tough the reality of being a sole trader can be. Shane recalled enduring several years of earning little-to-no money while scrimping and saving to get his business off the ground. Looking back at old business cards from his university days, he was reminded of his early aspirations to start a sales-focused business. But after being left to pick up the pieces by a previous accountant, Shane had to muster up the energy to fix a problem that was not his fault. In 2008-2009, he finally took the plunge and started a marketing consulting business in Queensland. However, when he decided to move to Melbourne in 2010, he closed the business without realising that his accounts had been set up in someone else's name. Two years later, he received notifications from the Australian Taxation Office (ATO) and Australian Securities & Investments Commission (ASIC) about unpaid fines and payments from his supposedly closed business. The experience was stressful and out of his control, but Shane was fortunate to have the support of family and friends. In his interview, he acknowledged that not everyone is as lucky and that unexpected financial stress can happen to anyone. The importance of creating a budget as a business If you're an entrepreneur in Australia, it’s important to know how to pay yourself as a business owner properly. To avoid financial stress, you may need to prioritise paying off any debt, building your emergency fund, and managing personal finances through a budget. The first step is to develop your payment system and track all income and expenses, and you can use a business accounting software for this. In 2020, around 61% of Australian businesses had outstanding debt, according to a survey conducted by the Australian Bureau of Statistics. The most common type of debt was a business loan, followed by a credit card and an overdraft. As a sole trader, you can pay yourself via the profits generated from your business revenue, but as an owner of a company, you'll pay yourself a salary just like any employee. This is why it’s so important to have a working personal budget so that you know just how much you can/need to pay yourself, while ensuring that your business’ cash flow scales and propels it forward. While some issues may be out of your control (as was the case with Shane), for best practice to avoid a personal financial crisis and work through financial difficulties, it’s critical to allocate your income properly through a budget. Your business and personal expenses begin to stack up: office space, office expenses, keeping up a healthy diet, medical expenses, asset maintenance, life insurance, energy bills, regular bill obligations, unnecessary subscriptions, minimum repayments on an emergency loan; the list goes on and on. All these pressures accumulate and can leave you in credit card debt, in a debt trap or overdue on payments. When you have a strong budget, you can take corrective action to either overcome or avoid a debt trap. If done correctly, a budget has the power to clear your biggest debt burden and can get your debt under control, even without extra income. When running a business, finding ways to make sure you’re paying yourself first can be overwhelming. Which is why you need to budget your profits correctly, make sure you’re meeting your basic financial needs and then accruing savings toward larger personal and professional goals, like a house deposit, during higher profit periods. Keeping costs low Where can you lower your costs? We explore the costs of starting a business here. As an entrepreneur, it can be critical to keep your start-up costs lean and constantly review your expenses to ensure no costs are unnecessary for your business and personal success. For Shane, that meant that even after achieving all his goals of paying down the accrued debt, he decided to stay with MyBudget because he knew that he had learnt the value of ongoing support and accountability with his future financial goals. Once your business is up and running, “This is a system that's going to support me to do the stuff that I do well by managing around the things that I don't want to put my time and energy and effort into. ” Seeking professional help It can be difficult to face your financial challenges head on. The first step, in Shane’s experience, was to acknowledge that they’re there. "Knowing the solution is there is one thing but there's also the tendency to just procrastinate, or avoid that. ” He talked about how shame can blur the solution and make it feel like an enormous mountain to climb, when in reality, it just requires some professional intervention. “There's this fear of, okay, I want to deal with it, it's adding stress to my life, but if I just maybe ignore it long enough, maybe it'll go away, and in fact, it gets worse. " Shane explained that the shame around seeking help can make it feel like someone is ‘bad’ with money. He said that the assumption around MyBudget’s Money Coaches is that they’re there to help the bad become good, “sometimes, it's about helping the good become better. ” More often than not, it’s not about how much you earn, but how you spend it. “‘People say, look at Shane, he's doing so well. He's off to the Gold Coast tonight. He's doing so well. But I'm pretty sure I earn more than Shane and I can't get myself away to a motel for the night. So what am I doing wrong? ’ and to this, I say, ‘well, actually, I use MyBudget. ’” When it comes to tax time for small business, preparing in advance is critical to avoid tax debt. Read more about our small business planning tax checklist here. Lessons learned from Shane's experience Once Shane overcame his financial setbacks, his budget helped show him the exact pathway to his goals and he is now successfully operating as a sole trader backed with financial stability. As simple as it may sound, it's about getting back to basics and having a solid foundation to build from. This is the first step to finding long-term success and stability. Conclusion and encouragement for others facing financial setbacks If you're facing financial setbacks, know that you're not alone. It can be overwhelming and scary, but it's important to remember that there are resources and people who can help you. With determination and hard work, you can overcome your setbacks and achieve financial stability. Don't give up hope - your success story could be just around the corner. You can hear more about Shane’s story in episode one of the MyMoney MyStory podcast. Shane is one of 130,000 people who we’ve helped live their lives free from money worries. To learn more about how we can help you with your budgeting and set you up for success, give us a call on 09 849 6285 or Book Your Free Appointment today. - Published: 2023-03-09 - Modified: 2023-03-09 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/how-to-pay-yourself-as-a-business-owner-in-australia/ - Categories: Back to Business Are you an up and coming entrepreneur in Australia? If so, you'll want to make sure that you're setting yourself up for long-term financial success. One of the most important steps in this process is learning how to pay yourself – in other words, how to draw a salary as an owner of your own business. Setting up a payment schedule for yourself can seem intimidating at first and you may be wondering where to start, especially to ensure you're covering matters from super contributions to personal expenses. This article will walk you through the process so you can confidently put together a system that is sustainable for your business while meeting your personal financial needs. Develop your payment system As a business owner in Australia, it's important to develop your own payment system in order to pay yourself properly. Understanding this and what taxes and deductions apply is fundamental to any successful business. You’ll first need to make sure that you’re tracking all income and expenses that your business receives and pays for. Services like Xero and MYOB allow you to implement effective bookkeeping which can help you to ensure that everything is kept up to date and that people are paid on time. In addition, these services allow you to keep track of your profits and losses as a business, making life all the more easier come tax time. Once you have developed a system for tracking payments, it's time to set up your payroll scheme. This can vary depending on the type of business you are operating. How to pay yourself as a sole trader or partnership If you’re a sole trader, then you’ll be able to pay yourself via the profits that are generated from your business revenue. Your payment system should help to determine how much revenue has come in, and then from that, how much profit is left after all business expenses have been paid. You’ll also need to keep in mind that come tax time, you may be required to pay tax so be sure to track your profits you withdraw for yourself and save a portion of that for the end of the financial year. For specifics, be sure to speak with your accountant. How to pay yourself as a company As an owner of a company, you’ll likely be needing to pay yourself a salary just like you would pay any employee, showing up as an expense on the company books. As such, you would receive a payslip that indicates both your gross and net payments, followed by your personal income tax. Depending on where you are in your business venture, if you are (or if you are considering) hiring staff, you may also need to consider leave entitlements you will offer staff members and set up electronic banking systems for direct deposits. By following these steps, you can create a streamlined payment structure for yourself and all other employees in your business. Understand your employer and employee obligations The next step in developing this system is understanding the different payment methods and obligations available in Australia. The right option for your business will depend on the type of services you offer and the amount of money you need to move around every month for your business expenses. The next step is setting up a business plan budget to ensure that you're getting paid a fair wage and enough money to cover operational costs and improve business growth/scalability. Keep track of how much profit your company generates each month so that you can set realistic expectations when devising how much of it will go into your own regular salary. Finally, decide exactly when payments should be made and stick with it - setting up automatic transfers with digital banking can make this process smoother, as well as help avoid late payments or any other financial inconveniences. How much should you pay yourself as a business owner? The answer to this question can largely depend on your personal circumstances and the nature of your business, however it is first important to ensure that you understand the ins and outs of your own personal budget. If you’re a sole trader just getting started, your first goal may be to earn enough in order to work on the business full-time. Asking yourself whether you can afford to quit your job is a question that’s much easier to answer if you have a budget that outlines all of your expenses over the upcoming 12 months. You can get started on this by downloading our personal budget template. Depending on the cash flow of your business, once you have reviewed your business’s profit and loss and financial history, you’ll then need to work out whether your business is able to afford the wage that’s needed to keep your personal budget sustainable. Remember, wages are a business expense. If you’re struggling to make this new expense fit into your business budget, consider reviewing your business expenses, or even the pricing for your products/services. However, you may need to be mindful of factors that go beyond your personal needs, ensuring you don’t make a decision that could harm your business in the long run. Understand your tax obligations As a business owner in Australia, it is essential that you understand your tax obligations. Not only will this help you avoid costly fines and penalties from the Australian Taxation Office (ATO), but it can also help save you money in the long run. Therefore, make sure to familiarise yourself with all local, state and federal tax regulations so that you know how to pay yourself as a business owner in Australia. For a quick guide on rough ballpark figures, you can do some quick calculations on paycalculator. com. au. This website allows you to track a wide range of factors, including superannuation, tax distribution, student loan repayments, etc. It can also be helpful to consult an accountant to better understand your business's finances and tax obligations. This ensures that you are up-to-date on any changes to laws and regulations that might impact your business. Additionally, make sure to keep accurate records of any income or expenditure on behalf of the business. Recording these numbers accurately helps simplify the process of filing taxes each year. Consider superannuation contributions If you're an Australian business owner looking for a way to pay yourself, you may need to consider making super contributions to your own superannuation fund. This type of retirement savings plan is designed to provide your future self with the funds necessary for a comfortable retirement. Superannuation is a way to save for your retirement and build wealth in the long term. If you're looking to pay yourself from your business income, in addition to tax obligations, you may need to also make super contributions in order to ensure this continues to accumulate throughout your working life. If you're unsure how to ensure you're making super contributions correctly, consider contacting your accountant to discuss this further. Seek professional financial advice We've mentioned this a few times throughout this article, but as a business owner in Australia, we must stress that it is important to seek professional financial advice when it comes to paying yourself, no matter what type of company owner you are, from sole trader to managing and maintaining a large company structure. This will ensure that you are managing your money correctly and avoiding any major pitfalls that could put you at risk of incurring unnecessary financial penalties. A qualified accountant can advise you on the most suitable structure for self-employment and provide guidance on how best to pay yourself, such as taking out wages, declaring dividends or transferring profits into a company pension or personal savings plans. When considering how much you should pay yourself with a formal wage each month or year, they may be able to recommend an amount based on your business cash flow and estimated future income. They may also advise further on effective methods of tax minimisation, handling day-to-day expenses, deciding which accounts to open in the company’s name, setting up insurance payments and more. With their help, you can make sure you are taking home all the money that is due to you as well as ensuring the correct amount of company money for your business journey and meeting all legal requirements for taxation. According to Inline Partners, a staggering 60% of businesses in Australia will fail within their first three years, and of those who fail, 50% are profitable. Therefore, to do your best not to contribute negatively to this statistic, seeking professional advice to manage your business funds and taxation may be the answer you're needing. Find an appropriate accounting software or app As previously alluded to, one of the most important steps when setting up a business in Australia is to find an appropriate accounting software or app. This will help you automate the process of tracking your income and expenses, as well as filing tax returns and reporting... - Published: 2022-09-29 - Modified: 2022-09-29 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/women-in-tech-australia/ - Categories: Tammy's Thoughts If asked to name two or three influential tech giant leaders of our time, who comes to mind? Elon Musk? Bill Gates? Mark Zuckerberg? Steve Jobs? Jeff Bezos? Not a woman among them. That’s why, at the next Women In Tech networking event in Adelaide, the conversation is being turned on South Australian women in the tech industry. Come, meet, interact and delve into a lively conversation about, among other things, the importance of shining a spotlight on the importance of female role models within technological innovation. Why talking about women in tech matters In a male-dominated industry, the existence of a tech team where 50 percent of roles are filled by women is a genuine anomaly. Addressing the gender inequalities within the tech sector is not only great for women, it’s great for business, especially in financial services where the banking system has traditionally focused on masculine models of transactional money management. Series of conversations have recently come about regarding the role of Australian women in technology and morphed into a public networking event. Expectations were low, but the inaugural event was jam-packed! Fortunately, the standing-room-only didn’t deter from what has now become an event series that is relished amongst a diverse cross section of the Australian business community. The next Women in Tech event Following on, the next Women in Tech event will continue to capitalise on the momentum from those prior. The evening will be a lively dive into the value of diversity in tech innovation, explored through the experience of a panel of top male and female role models in tech leadership. What: Women In Technology When: 5:00-7:30 pm ACDT, Thursday 20 October 2022 Where: MyBudget HQ, 122 Frome St, Adelaide RSVP: Grab your free ticket over on Eventbrite The panel of experts include: Brooke Hall-Carney, a technologist and lawyer at LK Law with a plethora of experience as a commercial litigator, solving disputes in relation to cyber risk and data breaches, and;Libby Day, current Chief Executive Officer of Australia Medic Alert Foundation, and advocate of bridging the gap between healthcare and technology. More panelists will be announced soon! The evening will be a wonderful opportunity to meet, talk and network with some of the most influential people within the tech workforce right here in Adelaide. To reserve your spot, head over and register on Eventbrite. - Published: 2022-03-17 - Modified: 2022-03-17 - URL: https://nz.mybudget.com.au/moneyhub/articles/debt-help/is-it-better-to-renovate-or-rebuild/ - Categories: Property Talk In the current property market, many homeowners are wondering if it’s better to knock down and rebuild or renovate. We talked to an experienced builder, Gary Dann from MyHomeBuild, for the inside scoop on designs, timeframes, budgets, future value and everything in between. https://www. youtube. com/watch? v=JMiK-tQ1atg& If your current home is no longer the best fit for your family or lifestyle, and you’ve been mulling over whether to move, renovate, or rebuild completely, you’ve come to the right place. There is one important question you need to ask first though, and we recommend you answer this before you even start entertaining the question, “Is it cheaper to knock down and rebuild or renovate? ” Can you even knock down and rebuild? You might be leaning towards a rebuild to get your dream home, but first check if you’re actually allowed to demolish your home, and what you might be allowed to rebuild in its place. Your first step is to get familiar with your council’s planning regulations and restrictions for your neighbourhood. Even if you’re leaning towards renovating, checking the development guidelines for your area is still important. For example, if your home is protected by heritage, you’ll probably be limited to renovations (but may be constrained in what you’re able to do – e. g. not changing the front facade or particular interior features. Getting caught out by council regulations is more common than you might think because unfortunately, development rules can change. In particular, be aware of this if you buy a property with a plan to knock it down and rebuild in the future, perhaps after living in it or renting it out for a few years. This exact thing happened to Tammy Barton, the Founder of MyBudget. She bought a house on a block of land which she planned to knock down and rebuild when she was ready to move, but the year that she decided to go ahead with her plans, the council regulations changed and she was unable to knock the house down (and yes, she did try to fight this, but was unsuccessful). If you have an existing mortgage on your property, or if you’re applying for a new loan, this may impact your options as well, as you’ll need your lender’s approval to demolish the house (as this can significantly affect the value of the property). Still have a choice to renovate or rebuild? The next step is to do a value check. What houses sell for more in your area? Websites like realestate. com. au and domain. com. au let you browse sold properties in your area. Grab a notebook or make a spreadsheet and jot down the sold price for houses of a similar size (square meterage, number of bedrooms and bathrooms) and make note of whether they were renovated or knock-down rebuilds, and for the sake of comparison, in original condition). Is rebuilding going to decrease the overall value? What size and style of home do you hope to build? It’s important to research what different homes are valued at in your area specifically, to make sure you don’t unintentionally decrease the overall value of your property. As mentioned above, a renovation tends to cost more than a complete knock down rebuild if you’re renovating the entire house. Is it better to renovate or rebuild? Follow these steps and then decide: MyBudget offers all our clients the opportunity to get a free property valuation through the MyBudgetLoans lending team, which they find extremely helpful in understanding what their house is worth in the current market in its current state, to help them in their decision making. Over his 30 years in the building industry, Gary Dann, MyHomeBuild Managing Director, has helped hundreds of South Australian families move into their dream home, and suggests that, “Depending on the location, you’ll possibly get a much better resale value of a brand new home, as opposed to a renovated home,” however people should do as much research into their area as possible, as real estate trends can change fast. Are both options still on the cards for you? Okay, now it’s time to start weighing up the pros and cons: Pros and cons of a knock down and rebuild The pros: It can be very hard to replicate an on-trend look in a renovated home. When you start from scratch, you can build your dream home, inside and out. Get your perfect floor plan, favourite aesthetic, and everything you’ve imagined in your home (within your budget of course! ). A modern home isn’t just about the aesthetics (although many would agree that a contemporary style is top of their wish list). A new build typically results in greater energy efficiency and sustainability through the use of modern building materials and design choices, including the home’s orientation. New homes need less maintenance, as you won’t have decades of wear and tear to keep on top of, which will save you time and money. New wiring, plumbing, roof and foundations gives you much more peace of mind when it comes to the structural integrity of your home. Many older homes are on big blocks and a knock down rebuild lets you take advantage of that land and either subdivide or build a larger home (when planning permits). Is it cheaper to knock down and rebuild or renovate? A new build generally comes with a fixed-price contract, meaning you’ll know all your costs upfront, giving you peace of mind. It’s often cheaper per square metre when you rebuild compared to renovating, especially once you factor in all of the unexpected costs that can arise when you renovate that you don’t know until well into the project. A knock down rebuild means you only have to deal with one team, and they manage the whole process, rather than you having to play project manager. The cons: When you knock down your home, you’ll have to find temporary accommodation for generally about a year. This, of course, depends on the design – an experienced builder will be able to give you a better idea of the timeframe. Some people stay with family while they build, others get a rental property. Either way, you’ll have to budget for this additional expense/potentially less-comfortable living circumstances. An extension of this is the moving costs, putting furniture and belongings into storage, and moving back in again. It can cost around $15,000 to demolish a home (this varies depending on the size of the home, and how much asbestos needs to be removed). There are also additional upfront costs to consider that may not all apply if you were just doing a renovation (depending on the scope), such as design costs, and obtaining all the required approvals and reports – think council, engineering, energy efficiency and building rules consent). If your family has lived in the home through significant milestones, it can be surprisingly hard to say goodbye to your old house. Knowing that the home where you first brought your baby home from the hospital or where they took their first steps won't exist anymore (besides in your memories! ). Knocking down a home means more waste going to landfill than if you renovate. Pros and cons of renovating The pros: Renovating means you can keep your favourite features, and make the current home you love even better. If you’ve lived in your home for a while, there’s probably things you love about it, and that’s why you bought it in the first place! If your home is heritage listed, renovation is your pathway to getting more modern features and conveniences. For example, many people just want to update or expand their main living area or create an open plan floor plan – this may only require an extension on the back of the home, if the old home has been well maintained. Depending on the scope of the project, renovations can be quicker than a complete rebuild, and it may even be possible to live in the house while you renovate (or for most of it), saving you from paying rent. How much do renovations cost? Well, it depends on how major the project is, but as renovations can often be done in stages, you may end up with more time to spread out the costs. If you’re happy with your floor plan and just want to modernise the aesthetics of your home, you could renovate areas of the house in order of your priorities. Some buyers have a preference for a well-maintained character home than a modern new build, particularly in some locations (this is where value check research comes into play) The cons: Depending on the existing structure of your home, you may be limited in what renovations you can do, or you may have to budget for significant renovations – not every home has the foundation to simply add on a second storey or knock out walls to create an open plan. It can be very... - Published: 2021-09-09 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/property-talk/the-hidden-costs-of-buying-a-new-home/ - Categories: Property Talk When it comes to buying a house, getting an answer to the question, ‘What percent deposit do I need for a mortgage? ’ is just the beginning. There are many hidden costs of buying a new home that surprise first home buyers: legal fees, stamp duty, bank and insurance charges – not to mention moving costs – can all add up to tens of thousands of extra dollars on the average home purchase. In this article, we address the most common questions people have about the hidden costs of buying a new home, and shed light on everything from what is lenders mortgage insurance to other fees when buying a house Hidden costs of buying a new home #1: Deposits For most first time home buyers, the biggest question they have is, ‘What percentage deposit do I need for a mortgage? ’ The answer, unfortunately, is, ‘It depends. ’ Things that impact what percentage deposit you’ll need include: Which lender you go with Whether you have a guarantor Whether you’re willing to pay Lender’s Mortgage Insurance Here’s a useful calculator for home much you’ll need to save for a deposit depending on where you’re buying and whether you’re buying an existing home or building a new one. 21% is the magical deposit amount where banks will lend to you without adding on an extra margin, called Lender’s Mortgage Insurance (LMI) to reduce their risk. Canstar explains, “Lender’s Mortgage Insurance is a condition of home loan borrowing where your mortgage lender may require you to make a one-off payment to protect them (the lender) against the event where you (the borrower) might fail to make your home loan repayments. ” Hidden costs of buying a new home #2: Building inspections Particularly if you’re buying an older home, you may get a building inspector and even a pest inspector to check the house you’re buying. Whether or not the results of the inspection impact your decision to buy the house, these fees are the buyer’s responsibility (and if any problems are detected, these may be your responsibility to fix). Hidden costs of buying a new home #3: Insurance As mentioned above, Lender’s Mortgage Insurance (LMI) is something borrowers will have to budget for if they don’t have at least a 20 percent deposit. In addition, as soon as you sign a contract to purchase a home, it is recommended that you take out insurance on the property to protect your financial interest in it, even before settlement. If you’ve only ever had contents insurance before, be aware that you’ll now need building insurance to cover the cost of the home in the event of damage to the property itself. Hidden costs of buying a new home #4: Stamp duty Stamp duty is one of the most significant hidden costs of buying a new home. It varies between states and territories and is calculated based on the value of the property, if it’s your primary residence, and if your residency status in Australia. Realestate. com. au has a useful stamp duty calculator to help you get an idea of what sort of rates you’ll need to budget for. Hidden costs of buying a new home #5: Legal fees Don’t forget legal fees when buying a house. It’s recommended to engage a conveyancer or solicitor to help with the legal transfer of the property from the preparation of documents and other aspects of the purchase. Depending on who you go with, and the ownership structure of the purchase, these fees can vary. Hidden costs of buying a new home #6: Moving costs In all the stress of moving house, it can be easy to forget about all the costs that can quickly add up. If you’re planning on moving into your new home, don’t forget to budget for it! Consider: Removalists fees Packing supplies (boxes, tape, bubble wrap) Connection fees for electricity, gas and internet Any cancellation fees for services you’re cancelling at your current residence Hidden costs of buying a new home #7: New bills If you have previously rented, once you own a home you’re going to have some extra bills arriving in the mail on a regular basis. Make sure you factor these into your budget so that you’re not financially overwhelmed when you first buy your home (even if you’re buying it as an investment and not living in it! ): Council rates Water & sewerage Emergency Services Levy There’s some extra hidden costs of buying a new home you may want to factor into your budget: garden and home maintenance! If your landlord previously took care of getting the lawn mowed, and fixing all the things that need attention, you may find yourself needing to buy new tools! Also, if your new home has a swimming pool, be aware that there are extra maintenance costs you’ll have to pay, as well as a hefty water bill! Are you struggling to save for all of the associated costs and fees when buying a house? Want to get into your own place sooner but worried about saving for a deposit or all the hidden costs of buying a new home? Call MyBudget on 1300 300 922 and have a chat with one of our caring money coaches today. They can put together a customised budget plan for you. - Published: 2021-09-02 - Modified: 2026-01-01 - URL: https://nz.mybudget.com.au/moneyhub/articles/money-management/the-importance-of-money-management-for-kids/ - Categories: Money Management Financial literacy for kids is important to encourage children to build healthy financial habits and learn the importance of saving money. Keep reading for MyBudget director and founder Tammy Barton’s guide to money management for kids. A real story on the importance of saving money I was told this great story by a friend whose six-year-old son recently received a valuable lesson in money management for kids. At the start of the term, Harrison’s mum had charged his tuck shop card with enough money that he would be able to buy his lunch on Fridays. They had created a budget together by talking about what Harrison would like to order and what was acceptable. On the other days he would take a packed lunch. Fridays would come around and mum would ask “How was your special lunch today? ” and Harrison would excitedly describe what he ordered. After a month or so, however, mum noticed that Harrison’s responses had become less enthusiastic so she asked him why. Sheepishly, he admitted that he had run his card down to zero by treating himself to a daily milk drink from the tuck shop. Fridays had gone from being his special lunch day to his no lunch day; something he kept secret from his mum and his teacher because he knew he’d broken the rules. Though mum’s heart was breaking, she explained to Harrison that she couldn’t recharge the card immediately because it wasn’t in the household budget. Harrison was back to packed lunches on Fridays for a few weeks and a valuable lesson on the importance of saving money was learned. Sometimes the harshest truths offer the greatest lessons It’s important we teach good money management for kids because it takes years of practice for skills to become habits. By exposing kids to money concepts early, they learn what works and what doesn’t. Certainly, kids will make mistakes like Harrison—others will lose or misplace their money, some will be defrauded of it in the playground, some kids will buy silly stuff with it—but these are all important lessons about the value of money. Here are some tips for teaching financial literacy for kids. 1. Money management for kids tip #1: Introduce the concept of budgeting Introducing money and budgeting skills for children can be the best way to teach them the importance of saving money. Michael, one of MyBudget’s budgeting consultants, has this great advice: “Over the course of the year, it’s likely that your kids will need some new clothes. If it’s an expense that’s going to be incurred regardless, why not put the power into the kids’ hands and let them spend it? ” “It’s a great way to teach the kids to control their spending by giving them a limit on what they can buy. Do they want those expensive jeans or could they settle for something cheaper and grab a few tops as well? By putting it in their control it helps them learn about the importance of saving money. It’s also important to give them cash; if you just put the purchases on credit, it makes it harder for them to understand the concept of running out of money. ” With younger kids, start with smaller amounts of money and simple scenarios. For example, if you’re buying them a treat, such as an ice cream or lolly, rather than asking them what they want, give them a certain amount to spend and let them work out what they can afford. I remember some of my finest moments in childhood mathematics were at the local deli, working out what mixed lollies I could afford with a tiny handful of shrapnel. ” 2. Money management for kids tip #2: The issue of pocket money for kids It’s important for children to gain a sense of control over their own money at some point, but the amount must be appropriate to the child’s age and situation and what you can afford. Involve your children in your family budgeting process so they can see where the household money goes and how they fit in. Too much pocket money for kids can place a child at risk from robbery or bullying and lead to a distorted impression of money’s value. By starting with small amounts when a child is old enough to understand money concepts, you’ll have established good money habits by the time they become teenagers and are entrusted with greater money responsibilities. At what age to start providing pocket money for kids isn’t set in stone. Some families start giving their kids small amounts of pocket money when they’re old enough to begin contributing to household chores. An important point: Make sure you set rules about how much money can be carried at school or at the shops. This will also provide greater teaching on money management for kids too. 3. Money management for kids tip #3: Create good saving habits You can teach the importance of saving in a variety of ways. Talk to your kids about minimising waste and finding ways to reduce household spending. Turn off lights, reduce water usage, close doors where the heating or cooling is on, don’t take one bite out of something and throw it away. These are all great ways of using real-word examples to teach financial literacy to kids. Some parents make it mandatory for their kids to put a portion of their pocket money (or birthday/Christmas money etc) in the bank. Others offer their kids a saving incentive—for example, “For every dollar you put in the bank, we’ll match it, up to a maximum of $5 per week. ” In addition, teaching kids the value of putting money aside for charities is also an important lesson. We all our kids to treat others the way that they wish to be treated and instilling this sense of giving and generosity from a young age is a great way to start, especially if it's a portion from their own hard-earned money. You can also teach your children the importance of saving money by not buying them everything they ask for. Highlight the difference between wants and needs by paying for the things they need, but expecting them to make a contribution towards the things they want. This lesson in delayed satisfaction (making sacrifices to save for something you want) is one of the foundations of great money management for kids. Looking for other ways of teaching money management for kids? If you liked these tips on teaching financial literacy for kids, you’ll love our other money management guides. Subscribe to the MyBudget Blog or follow us on Facebook for more! Otherwise, if you’re in need of help with budgeting yourself and want practical tips and guidance you can pass onto your kids, MyBudget's caring budgeting specialists can show you how to save and help you identify gaps in your budget. Call us today on 1300 300 922 or enquire online for a free consultation. We’re always here to help. ## MyBudget TV ## Podcasts - Published: 2025-06-11 - Modified: 2025-06-11 - URL: https://nz.mybudget.com.au/moneyhub/podcasts/alyssa-and-petes-debt-free-journey-to-one-income-mymoney-mystory-podcast/ Alyssa and Pete overcame $65K of debt, IVF costs, and the chaos of raising three kids, and now live comfortably on one income. Hear how they did it on the MyBudget, MyMoney MyStory podcast. From IVF and debt to a one-income dream When you add up the costs of starting a family via IVF, juggling multiple jobs to make ends meet, and dealing with financial curveballs, it can feel impossible to get ahead. In this episode of MyMoney MyStory, you'll meet Alyssa and Pete: a Brisbane couple whose financial challenges included over $80,000 in IVF costs, career sacrifices, a cross-country move, and more than $65,000 in debts. But thanks to MyBudget, their story didn’t end there. Alyssa and Pete joined MyBudget in 2017, and if their faces look familiar, it's because this Queensland couple have featured national TV ads. Now, they've come full circle, achieving every goal they set back when we first met. This is our chance to ask, 'Where are they now? ' Listen to the episode or keep reading to see how they turned things around with a personalised budget, a few bold decisions, and a budgeting team they now call their "friends. " Financial struggles of family life, debt and burnout Alyssa and Pete started their relationship on fast forward. Within six weeks of meeting, they bought a home together. Six months later, they were married. But building a family wasn’t easy. After multiple miscarriages, they relocated to Canberra for work and continued pursuing IVF treatment. The journey took a financial toll: they sold their home to fund over $80,000 in IVF costs while trying to start their family. It worked. They now have three gorgeous kids, two born through IVF, and one delightful surprise. But financially, they were starting over, this time with daycare costs, travel demands, and mounting debts. Despite earning good money, Alyssa and Pete were burning out. Alyssa was travelling for work constantly. Pete was working two jobs. They were paying au pairs to care for their kids, but hardly spending time together as a family. "I was so desperate to have these children," Alyssa shared. "And then I never got to see them. " A big electricity bill, no money left, and one life-changing call to MyBudget The real tipping point? An $847 electricity bill Alyssa had completely missed, and she knew there was no more money. “I was sitting at my desk crying over this dumb bill. I wanted someone to come in and mum my finances. ” Alyssa called MyBudget. The woman who answered said, "You've done the hardest thing, you've made the call. " Alyssa let out a sigh of relief, she’d finally felt the relief that this was the help they needed. Pete thought they were too far gone and that they were beyond help. " But just a few minutes into their free budget consultation, he was convinced that this was going to work. Together with MyBudget, they made a decision to tackle their $65,000 debts, regain control of their finances, and set long-term financial goals. Learn how to reach your financial goals in 5 easy steps! How MyBudget helped: from chaos to complete financial control A debt management plan that worked Alyssa and Pete knew exactly what they didn’t want... another loan. They were adamant about avoiding more debt and didn’t want a debt consolidation service. What they got instead was something far better: a personalised budget plan from MyBudget that helped them pay off their debts, regain control, and avoid taking on more repayments. Visibility and peace of mind With the MyBudget app, they could track every bill, budget, and payment. "I don't worry anymore," said Alyssa. "If something comes in while I'm away, it gets handled. " Support and kindness "Everyone we spoke to treated us like people," Pete said. "There's no judgment, there's no shaming. It's just, how can we help? " Financial goals that felt impossible They set three money goals: pay off $65K of debts buy a house live on a single income. One by one, they ticked off all of their financial goals. Even when a house deposit fell short by $3,700, MyBudget helped them over the line by adjusting their budget plan and managing payment due dates, unlocking the exact amount they needed, right when it mattered most. "There is not a financial decision that I will make without calling and talking to them first. " Alyssa, MyBudget client Are you struggling with debt? Download our free eBook 10 steps to get out of debt and start saving. From debt and money worries to living their dream life on their terms By 2021, Alyssa and Pete bought a modest home that allowed them to keep their budget on track, manage living costs, and continue building toward financial stability. In 2024, Pete was able to resign from his job, and they officially transitioned to living on one income, fulfilling the final goal they set when they first joined MyBudget. "We thought these goals were ridiculous," Pete said. "We just wanted to pay off our debt. We never thought we'd actually get here. " If you're struggling to make ends meet, MyBudget can help! If you're facing financial stress or trying to figure out how to make life work on a single income, Alyssa and Pete’s journey proves it’s possible to find balance. When chatting with Tammy about their journey, Alyssa and Pete shared why they tell everyone about their experience with MyBudget: “We were ready to tell anybody who was silly enough to stand still next to us... we just honestly felt like we got so much out of it. We want everybody else to know how good it was. ” Let MyBudget help you reach your financial goals reduce debts without another loan plan savings goals and take control of your finances live life your way on a single income start with a free, no-obligation chat. Enquire online or call 1300 300 922 now to get started. - Published: 2025-05-28 - Modified: 2025-05-28 - URL: https://nz.mybudget.com.au/moneyhub/podcasts/kylie-and-scott-mybudget-mymoney-mystory-podcast/ Through heartbreak, hospital stays and financial collapse, Kylie and Scott found the one thing that got them through it all, and still does 18 years later... MyBudget. For Kylie and Scott, it wasn’t just one financial crisis, it was a series of devastating, emotional and financial challenges that would bring even the strongest to their knees. From Kylie’s multiple hospitalisations and the unfathomable loss of nine pregnancies... to their newborn daughter Abby’s life-threatening condition and months in hospital, they were completely overwhelmed. With no income and no idea how they’d pay the next bill, they sent MyBudget an email saying: "Don’t contact us. Our baby might not make it. We have no money. " But the MyBudget money experts didn't walk away, they stepped in. They contacted their creditors, landlords, and sorted everything so Kylie and Scott could forget the money stress and focus on what mattered: their daughter’s survival. In this inspiring episode of the MyMoney MyStory podcast, Tammy Barton chats with longtime clients Kylie and Scott about their budgeting journey.  Their powerful story is one of real hardship, resilience, and the transformation that can happen with the right support system in place. Juggling more than just money worries Like many Australians, Scott was working multiple jobs and long hours, but still struggling to stay afloat. Despite doing everything "right," the money never seemed to stretch far enough. At the same time, Kylie and Scott had very different upbringings and financial habits. While Scott was cautious with money, Kylie admits she saw it as something to spend. That difference added extra tension to their financial struggles. Their situation became even more difficult when Kylie faced multiple hospital admissions, followed by the birth of their critically ill daughter Abby, who required major heart surgery. With Kylie unable to work and Scott taking on multiple jobs and working double shifts, they were emotionally and financially exhausted. "I would wake up at three o'clock in the morning thinking, how the hell am I going to pay this? " Scott The turning point: asking for financial help Everything changed when Scott suggested they try MyBudget. Kylie was hesitant at first. "I thought, 'We’re doing okay, we don’t need help. ' But deep down, I knew I needed to change the way I thought about money," she says. From the very first personal budgeting appointment, they felt supported. "We had savings! It didn’t make sense to me at the time, but somehow it worked," Scott laughs. For Kylie, it was the start of a complete mindset shift. "Our personal budgeting specialist even helped me quit smoking because I realised we simply couldn’t afford it anymore. " How MyBudget helped Kylie and Scott get ahead financially A personalised budget that works in real life MyBudget created a personalised, flexible budget that accounted for everything - from money for bills, essentials, and even those tricky extras like birthday parties, Christmas and school photos. Kylie, now a MyBudget team member herself, shares this advice with her clients: “Don’t just call it ‘savings. ’ Give your goals a name. When you label your goal, whether it’s a holiday or your child’s birthday, it becomes real. And that’s when it is more likely to happen. ” Kylie Managing money (and life’s) curveballs When their newborn daughter Abby was flown to Melbourne for urgent heart surgery, MyBudget stepped in. "We emailed them saying, 'Don’t contact us, our baby might not make it, and we have no money,'" Kylie recalls. "But instead of walking away, they supported us. They contacted landlords, creditors, and sorted our bills. We could focus on our daughter. " Even during their most stressful times, they didn’t have to worry about overdue payments or creditor calls. MyBudget worked with their real-life circumstances to keep them on track. Finding financial peace of mind One of the biggest differences Kylie and Scott felt after joining MyBudget was finally being able to relax, knowing everything was under control. "I don't even look at our budget anymore," Scott admits. "Kylie runs it, and I just go to work. But I know everything’s paid, and I can sleep at night. " That sense of calm is something they never had before. “Being with MyBudget didn’t just help our finances, it changed how we see the world. ” Kylie The transformation: savings, confidence, and a future to look forward to Fast-forward to today and life looks very different. They reached their savings goal to buy a house. They’ve taken holidays. They’re even thinking about planning for retirement. Kylie, now a MyBudget team member herself, felt so deeply impacted by the support she received that she wanted to pay it forward. She says MyBudget didn’t just help her financially, it helped her grow as a person.   Today, she’s passionate about helping others experience the same transformation from financial chaos to confidence and control. A MyBudget success story: Kylie & Scott rebuilt their life Fast forward 18 years, and life looks completely different. Being with MyBudget didn’t just help Kylie and Scott manage their money, it helped them survive some of the toughest moments of their lives and rebuild a future filled with hope. Some of their achievements include: buying their first home taking holidays budgeting for private school fees planning for retirement. Want to hear Kylie and Scott's full story? Listen to Kylie and Scott's inspiring journey on the MyMoney MyStory podcast, available on your favourite streaming platform now. How can MyBudget help you? If you’re living pay to pay, stressed about debt, or just tired of juggling it all, Kylie and Scott’s story proves it’s possible to turn things around. For over 25 years, MyBudget has helped more than 130,000 Australians take control of their finances and build a brighter future. Here’s how we can help: tailored budgets that actually work pay off debt without the stress build savings for what matters we deal with your bills and creditors. Enquire online now or call us on 1300 300 922 - no obligation, just support. - Published: 2025-05-14 - Modified: 2025-05-14 - URL: https://nz.mybudget.com.au/moneyhub/podcasts/michelle-and-phil-mymoney-mystory-podcast/ They faced constant money stress, $40K in debt, and a marriage on the line, until one phone call changed everything. Discover how Michelle and Phil paid off their debt, saved their marriage, and found peace of mind on the MyBudget, MyMoney MyStory podcast. Living in financial chaos: escaping the debt spiral and regaining financial control Australian couple Michelle and Phil, know what it’s like to live with constant money stress. Despite having good incomes, they found themselves stuck in a cycle of juggling bills, paying late fees, and feeling the pressure of mounting debt. In this episode of the MyMoney MyStory Podcast, hosted by MyBudget founder Tammy Barton, they share how MyBudget's expert money coaches helped them break free from the debt cycle, build an emergency fund, achieve their financial goals, and transform their future finances with a realistic personal budget plan. Drowning in debt, late fees, and money worries Before joining MyBudget, Michelle and Phil faced the all-too-common financial challenge of managing full-time work and family responsibilities while juggling everyday expenses and mounting debt. “We both had good incomes, but because of the way we spent money, and because of the way we budgeted money, it was never enough. ” Phil Phil admitted he was hesitant to ask for help, he preferred to keep money matters private and believed they could fix things on their own. But over time, the late fees, the arguments, and the fear of declined transactions and creditor calls chipped away at their financial and emotional well-being. Michelle reached a breaking point. The pressure on their relationship was mounting, and the arguments were starting to affect their family. What made Michelle and Phil finally join MyBudget? In their conversation with Tammy, Michelle explained how Phil would try to make a withdrawal, but it would be declined. This would lead to arguments and Michelle gave Phil an ultimatum: They needed professional help. "You have three choices. You can do this, we can go to MyBudget, or we can get a divorce. " Michelle Phil tells Tammy after the first appointment “I was blown away. I thought, How do you do that? How do you forecast so far in advance? How did MyBudget help Michelle and Phil achieve financial peace of mind? Building a personalised budget plan Michelle and Phil shared with Tammy how MyBudget helped them create a realistic, tailored budgeting plan that covered all their living costs, family bills, and financial goals. Every bill, from groceries to school activities to haircuts, was built into their structured budget planning. Paying off $40,000 of debt With a tailored money management approach, MyBudget helped Michelle and Phil get out of debt. Michelle remembers trying to negotiate with creditors herself, but the phone calls filled her with fear. “I’d get a call from GE asking for payment and think, ‘I’ve got absolutely no clue... because we don’t have it. ’” Are you struggling with debt? At MyBudget, debt is what we do! Get in touch now for a free 10-minute chat. Saving for goals and handling unexpected expenses Thanks to MyBudget, Michelle and Phil also were able to access emergency funds to cover unexpected bills without stress. They told Tammy about the time their son had a car accident and how they were able to free up $800 within minutes to pay the insurance excess without derailing their budget. "It was a revelation that we could have an emergency and after one phone call, we could have a solution in place. That's amazing! It hasn't always been that easy. " Michelle Achieving their dream renovations and holidays With their debts paid off, and a healthy budget in place, Michelle and Phil went on to renovate their home (including their dream kitchen), put in solar panels, a new shed and take dream holidays. A new relationship with money Today, Michelle and Phil live free from the constant financial stress that once overshadowed their relationship and everyday life. With greater financial stability, they’ve been able to support their children, help family when needed, and plan for the future, without fear of falling back into debt. “You keep saying thank you to us,” Phil says. “We need to say thank you to you. ” “It’s saved our relationship and money,” adds Michelle. Your first step toward financial freedom Michelle and Phil's story proves that it's never too late to turn your finances around. Their heartfelt conversation with Tammy Barton is a reminder that with the right support and a personal budget plan designed to fit your life, financial freedom is within reach. If you're ready to break free from the debt cycle, achieve your financial goals, and experience true peace of mind, MyBudget is here to help. Take the first step toward a brighter financial future Enquire online or call 1300 300 922 to speak to one of our expert money coaches today. - Published: 2025-04-30 - Modified: 2025-04-30 - URL: https://nz.mybudget.com.au/moneyhub/podcasts/erin-and-adam-mymoney-mystory-podcast/ With the help of MyBudget, Erin and Adam turned financial uncertainty into financial stability, paving the way for homeownership, a growing family, and even a money saving plan for future goals. In this episode of MyMoney MyStory, they share how budgeting changed their lives, and how it can help you too. How COVID-19 cost Erin and Adam their incomes and created money stress Before joining MyBudget, Erin and Adam were both building successful careers in the travel industry. Then the coronavirus pandemic hit. With international travel grinding to a halt, Erin’s hours were cut and Adam was placed on JobKeeper. They were facing the financial stress of losing their jobs. Like many Australians during COVID-19, their financial situation changed overnight. They had already put down a deposit on an off-the-plan apartment in Adelaide, but now faced the terrifying possibility of losing their mortgage pre-approval and dipping into their savings. They had a spreadsheet, a shared goal, and a lot of money stress. “We didn’t want to give up on our goal of owning our first apartment,” Erin said. “But everything changed so quickly. We had to rethink how we could still make it work. ” Discovering the benefits of MyBudget’s personalised budgeting services in Australia As Erin searched for new career opportunities, Adam suggested she consider MyBudget. She applied, got the job, and during training quickly realised just how powerful the budgeting service was, not just for clients, but for themselves. “I thought my spreadsheet was good,” Erin laughed. “Then I saw Tammy’s and realised we needed this. We needed the visibility and structure to keep our goals on track. ” Erin convinced Adam to give MyBudget a go. The moment they saw their 12-month financial projection in the MyBudget system, they were sold. No more guessing, no more stress, just a personalised budget plan that made sense. “It was the forward projection that got me,” Adam said. “Knowing what our financial position would look like in one month, three months, even a year, it gave us confidence when things felt uncertain. ” Adam came to see the real value in joining MyBudget, and clearly understood there were no lock in contracts and the fees are tailored to suit their needs. Thinking about how personalised budgeting could help you too?  Learn more about MyBudget's Personal Budgeting Services. How MyBudget’s tools and money management support helped Erin and Adam save money fast Free budgeting tools and resources for saving money in Australia Erin and Adam used to live week to week. With MyBudget, they were finally able to zoom out to see the bigger financial picture and make long-term money decisions. From Christmas expenses to coffee runs, every dollar had a job. Their smart budget planning allowed them to better prepare for unexpected bills and expenses. They also took advantage of MyBudget’s free resources, including our free 2-week healthy meal planner guide, which helped them cut grocery costs and save money faster. Check out our full guide on Meal planning to save money. Expert money coaches and financial accountability With MyBudget paying their bills and keeping their plan on track, Erin and Adam found peace of mind and time back. “It’s wild to think we haven’t paid a bill in three years,” Erin said. “That alone is worth it. ” Budgeting for babies in Australia: planning for family and future savings goals As they prepared to start a family, Erin and Adam leaned into MyBudget’s tools to plan for IVF costs. While they didn’t end up needing treatment (a happy surprise! ), the financial groundwork was done, and deeply appreciated. Then came the real surprise: twins. “Everything changed,” Erin said. “But we knew we were ready, financially. We could plan my maternity leave, sort daycare, and even take the kids to Fiji before I went back to work. ” A financial transformation: from money stress, to having twins and saving for a home With MyBudget’s expert money coaches supporting their journey, Erin and Adam bought their apartment, upgraded to a four-bedroom home and kept their first property as an investment. Their approach to money management had completely transformed. They now have twins, a healthy budget, and the confidence to keep growing. Their financial goals, like building a dream home in Brisbane, feel achievable, not out of reach. MyBudget can make what seems impossible, possible. Their next chapter? A move to Sydney to spend time with Erin’s family before building in Brisbane. MyBudget has helped them crunch the numbers and make it happen without compromising their long-term goals. Start your financial reset with MyBudget today If you’re drowning in credit card debt, in mortgage stress or just can't seem to save money. Erin and Adam’s story is proof that you can take control, no matter how messy things feel. With the right tools, support and expert guidance, your goals aren’t just possible, they’re achievable. Try our free Savings Calculator to see how quickly you could reach your goals. “MyBudget helped us align as a couple,” Erin said. “It gave us independence, clarity, and a shared path forward. ” Do you want to start saving money today? MyBudget has helped over 130,000 Australians live life free from money worries. Our money management services include paying bills on time, creating a personalised debt management plan, and building a money saving plan that supports your future goals. Whether you’re buying a home, starting a family or just want more peace of mind, we’ll help you get there. Book your free appointment today or call us on 1300 300 922 to learn more about how MyBudget works. For more money saving tips, be sure to read our Ultimate guide on how to save money in Australia. - Published: 2025-04-16 - Modified: 2025-04-16 - URL: https://nz.mybudget.com.au/moneyhub/podcasts/mr-ordinarys-debt-landed-him-in-jail/ Many Australians live what appears to be an “ordinary” life, a mortgage, a car, a credit card or three, a kid or two. But when financial pressure builds quietly over time, it can push people into desperate decisions. That’s exactly what happened to Wil Patterson, aka Mr Ordinary. One day he was a dad in the suburbs, juggling bills and renovations. The next, he was sitting in a courtroom admitting to the crimes that took him to jail. But Wil’s story doesn’t end in jail. In fact, that’s where it really began, and where his path to MyBudget started. Struggling with debt in Australia: “Mr Ordinary’s” life before everything changed Before everything fell apart, Wil’s life was recognisable, painfully so. He lived in Australia's outer eastern suburbs of Melbourne with his wife and young son. They both worked full-time, had a home with a mortgage, credit cards, and even a holiday shack down the coast. But like many Australians, they were juggling more than just responsibilities, they were facing unmanageable debt. Bills were juggled. Minimum credit card repayments were made. Insurance was put off “just for a couple of weeks. ” The debt cycle was exhausting and familiar. “We weren’t keeping up with the Joneses, we were the Joneses,” Wil admitted. “I didn’t know how to stop it. The debt. The pressure. The pretending. ” Then one day, a refund cheque landed on his desk at work. His name was on it. The right thing would’ve been to cancel and shred it. Instead, Wil put it in his drawer. That decision marked the beginning of a downward spiral that would eventually lead to jail. The moment everything changed: when shame, debt and desperation collided Over the next 18 months, Wil embezzled nearly $300,000 through a series of fraudulent transactions, a white-collar crime fuelled by a mix of financial desperation and emotional paralysis. “It started because I needed it. Then it became greed,” he shared. “And when no one caught me, it just became normal. ” By the time Wil was finally confronted, he felt relief. “Whatever you’re about to ask me,” he told his boss, “I did it. ” The shame was crushing. He lost his job, his marriage, and moved back in with his father. Then came sentencing, and jail time. Jail, reflection and the power of starting over Wil had paid a heavy price, but jail gave him something he hadn’t expected: time to think. Time to reset. When he was released, he was determined to do things differently, starting with his money. He came out of jail with a new mindset, but not much else. “I forgot everything I’d learned,” he admitted. He bought a motorbike, got a car loan, and within months, the stress was back. “I was right back in that financial panic. ” That’s when he went to the Westpac Bank for help, and when they couldn't help him, they referred him to MyBudget. How MyBudget helped Wil rebuild his finances A new mindset (and a budget plan) Wil knew he wasn’t good with money. He’d tried budgeting, failed, tried again, and failed harder. Once the woman at Westpac pointed him to MyBudget, Wil saw hope. “Honestly, it changed everything,” he said. “They didn’t judge. They just helped. ” At Wil’s first appointment, the MyBudget consultant helped him create a realistic, personalised budget plan tailored to his unique situation. They factored in everything that mattered to him — including his cherished annual Formula 1 tickets with his son. “I said take it out. He said no. He was right. That moment meant everything to me. ” With access to MyBudget’s budgeting and tracking tools, including the MyBudget app and forward projections, Wil could see exactly where his money was going. It was the first time in years he felt in control of his finances and could visualise a future with savings. MyBudget’s ongoing support and peace of mind With MyBudget handling his payments, allocating his income, and providing ongoing support, Wil found something he hadn’t had in years: peace of mind. “I don’t have to think about it,” he said. “I get paid, MyBudget does the rest. It’s freedom. ” He also began saving. He learned to face difficult conversations, like calling his lender to return a car he couldn’t afford. And with MyBudget's guidance, he took those steps confidently. Life after debt: Wil’s version of rich These days, still with MyBudget, Wil lives with his wife, his in-laws and his son in a home that works for everyone. He works in the funeral industry, a job he feels called to, one that allows him to be of service to others. The stability in his finances has had a positive impact on his mental health and lifestyle. He’s now living debt-free in Australia, with a clearer understanding of his spending habits and savings goals. Through MyBudget, Wil has been able to build emergency savings and shift from a survival mindset to planning ahead. And when it comes to his finances? “I’m rich,” Wil says. “Not in a billionaire way. But in a ‘let’s go have brunch and not stress about it’ kind of way. That’s the rich I want to be. ” Don’t let shame win: Wil’s message to others in debt If you’re struggling with debt in Australia, Wil’s story is proof that you’re not alone, and it’s never too late to ask for help. “The shame of what you think people will do is way worse than what they actually do,” he said. “Talk to someone. Ask for help. It could change everything. ” Whether you’ve hit rock bottom or just feel like your finances are out of control, MyBudget is here to help, no judgement, just support. Take the first step towards financial freedom For more than 25 years, MyBudget has helped over 130,000 Australians get out of debt, build savings, and live life free from money worries. Let us help you: Pay off debt without sacrificing your lifestyle Create a budget plan that works Build emergency savings and set long-term goals Stop living week to week and start living free from money stress There’s no cost to get started, and no obligation to join. Book your free consultation or call MyBudget today on 1300 300 922 and discover how we can help you turn your financial stress into confidence. Whether you're facing debt, trying to save, or simply want a better way to manage your money, MyBudget will guide you every step of the way. ## Money Tools