Frequently Asked Questions

Planning 12 months ahead with a budget helps you prepare for upcoming bills, expenses and financial goals before they become stressful. Instead of only managing today’s money, a 12-month budget gives you a clear view of what’s ahead, so you know when bills are due, how much you can save and where you can reduce debt. This forward planning helps you make confident financial decisions and avoid unexpected surprises.

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.

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.

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.

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.

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.

Personalised budgeting helps you manage your money by creating a plan that reflects your income, bills, debts, savings goals and lifestyle. At MyBudget, your dedicated Money Coach creates a personalised budget and 12-month financial plan, helping you stay on top of your bills, reduce debt, build savings and make confident financial decisions with ongoing support.

MyBudget is a trusted personal budgeting service that helps you organise your money, pay bills on time, reduce debt, build savings and achieve your financial goals. We combine expert Money Coaches with a personalised budget and 12-month financial plan to help you stay in control of your money and plan confidently for the future. Backed by over 25 years of experience helping more than 130,000 people, our service is now available throughout New Zealand, helping you live life free from money worries.

The time it takes to become debt free depends on your income, expenses, total debt and financial goals. During your free appointment, your Money Coach will create a personalised budget and debt management plan tailored to your circumstances. While everyone’s journey is different, we’ll help you make steady progress towards reducing debt and building a stronger financial future.

No. Many of our clients join us because rising living costs are making it hard for them to stay ahead, even without big debts. A tailored plan can help prevent problems in the future.

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.

Not at all. Many people have more than one Buy Now Pay Later account. We’ll review your repayments, help you understand what you owe and create a personalised budget so you can stay on top of your commitments with confidence.

Many of our clients have seen their credit score go up over time because they’ve been able to keep on top of their repayments and avoid new debt by building up a structured plan.

MyBudget helps you manage cost of living pressures by processing your income and paying bills on your behalf so you never miss a payment. Our expert Money Coaches will work closely with you to negotiate with creditors, reduce debt and build up an essential savings buffer. By creating a personalised 12-month financial plan, we provide the structured support required to safely organise your family finances. You will feel immediate relief knowing your money is completely under control

MyBudget is a personalised budgeting service available throughout New Zealand that helps you stay on top of your bills, reduce debt and build savings. Your dedicated Money Coach works with you to create a personalised budget and a 12-month financial plan, giving you a clear view of what’s ahead and ongoing support to help you stay in control of your money with confidence.

MyBudget works by creating and managing a personalised budget on your behalf, so your income is organised, your bills are paid on time, and your financial goals are built into a clear, structured plan.

When you join MyBudget:

• Your income and expenses are reviewed in detail

• A tailored personal budget is created to fit your lifestyle

• Regular bills and repayments are scheduled and paid on time

• Debt reduction strategies are implemented if required

• Savings plans are built to help you achieve your goals

• Ongoing budgeting support is provided by a dedicated Money Coach

MyBudget doesn’t just track money, we manage it. This helps reduce financial stress, prevent missed payments, and create consistency in how your money is handled.

Many clients say the biggest difference is the immediate relief they feel once everything is organised and under control, and that they wish they had joined sooner. With more than 25 years of experience and over 130,000 Australians supported, MyBudget focuses on helping people manage money confidently and live free from money worries.

Your first MyBudget appointment is completely free. If you choose to join, your fee depends on the complexity of your financial situation and the level of support you need. We’ll explain all costs upfront, so you can decide whether our service is right for you. There are no long-term lock-in contracts, and your personalised budget plan is yours to keep. Learn more about how much MyBudget costs.

MyBudget is different because it provides a complete managed personal budget service that automates your finances rather than just tracking your spending. Our advanced platform maps out the long-term future of your money, ensuring your bills are consistently paid on time and your savings goals stay on track automatically. You gain the combined benefits of structure, complete visibility, and total control via our convenient mobile app, all fully backed by the ongoing support of our dedicated money coaching experts to help you live free from money worries.

MyBudget delivers unique budget help by pairing expert Money Coaches with a personalised 12-month financial plan that provides long-term clarity. We go well beyond simple spreadsheets by actively managing your bill payments, tracking progress, and holding regular coaching sessions to protect your goals. It is all about empowering Kiwi couples and mortgage holders to reduce debt, grow savings, and live life free from constant money worries.

MyBudget provides a managed budgeting service that helps you pay bills on time, reduce financial stress and stay on track with your money. Your Money Coach creates a personalised budget based on your income, expenses and financial goals, then manages your budget on your behalf. We can also communicate with creditors where appropriate, help keep your payments on track and support you as your financial situation changes.

Your free MyBudget appointment is a relaxed conversation with an expert Money Coach about your income, expenses, debts, bills and financial goals. Together, we’ll create a personalised budget and show you a 12-month financial plan so you can see what’s coming, what you can afford and how to reduce debt while building savings. Learn more about How MyBudget Works.

Many people qualify for MyBudget if they have a regular income paid into a New Zealand bank account and meet our eligibility requirements. During your free appointment, we’ll review your financial situation and explain whether our service is the right fit for your circumstances. If you’re looking to reduce debt, build savings or get better control of your money, enquire today to get started.

Yes, you can cancel MyBudget. There are no lock in contracts, and you are free to close your budget if you decide the service is no longer right for you. Before you cancel, we will make sure any remaining funds in your MyBudget account are returned to you and that you understand what will happen with your bills and debt repayments moving forward. Our goal is always to leave you in the best possible position, whether you stay with us or move on.

Yes, you can absolutely enjoy your lifestyle because your personalised budget balances credit card debt repayments with your personal living costs. Our managed personal budget service helps you steadily pay off debt while still comfortably budgeting for the things that matter most to your family. This ensures your plan is completely realistic, flexible, and sustainable, allowing you to successfully manage family finances and live free from money worries.

Feeling overwhelmed by credit card debt is completely normal, but our managed service is here to immediately take the weight off your shoulders. MyBudget thoroughly reviews your full financial situation to provide dedicated consolidation help and stop the phone from ringing. We explain your choices clearly, establish a manageable repayment plan, and handle your bill payments on your behalf so you can finally live free from money worries.

No, you do not need a loan to pay off credit card debt. MyBudget creates a realistic credit card repayment plan using your existing income through our managed personal budget service. Refinancing or loan options are not required to get our consolidation help. Our caring team focuses on negotiating with creditors and helping you manage family finances responsibly using your current income so you can live free from money worries.

Yes, joining MyBudget can help improve your credit score over time because consistent, on-time bill payments directly reduce missed or late repayments. Our structured personal budget service helps rebuild your credit file and strengthens your credit score while you successfully manage family finances. By establishing reliable payment histories, we help take the weight off your shoulders so you can safely live your life completely free from money worries.

Yes, MyBudget can contact your creditors directly to negotiate manageable payment plans and provide essential consolidation help. By establishing clear communication with them, we work to stop creditor calls and reduce overall financial pressure. This managed service allows you to successfully manage family finances and focus on paying down credit card debt without constant harassment. We help take the weight off your shoulders, giving you a clear path toward freedom from money worries.

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 finances effectively, and clearly track your progress to live free from money worries.

Absolutely, MyBudget is perfectly suited for families looking to plan for future expenses. Through our tailored personal budget service, we help you securely manage family finances and set aside funds for education, holidays, or unexpected costs. This structured approach builds a reliable cash reserve, ensuring you have total confidence when last-minute bills arise. Let our money coaches handle your cash flow management so your household can move forward and live completely free from money worries.

Yes. MyBudget helps many people reduce debt while building savings at the same time. Your personalised budget is designed to balance debt repayments with achievable savings goals, so you can make steady progress without putting unnecessary pressure on your finances. The right approach depends on your circumstances and financial priorities.

Yes. MyBudget helps you track your savings goal progress with a personalised budget that shows you up to 12 months ahead. You’ll be able to see how your savings are growing alongside your bills and other financial commitments, giving you a clearer picture of when you’re likely to reach your goal. Your Money Coach also provides ongoing support to help you stay on track.

Yes, we can absolutely help you plan and achieve specific milestones like a holiday or house deposit. Through our personal budget service, we analyse your cash flow to build a realistic roadmap that fits your specific timeframe. We provide the structured, hands-on support needed to successfully manage family finances and accelerate your progress. Our money coaches handle the details to keep you on track, helping you build lasting wealth and live completely free from money worries.

Yes! MyBudget is designed to help reduce financial stress by giving you full control and visibility over your finances. Our goal is to simplify your money management so you can focus on your savings goals with peace of mind.

MyBudget helps you increase your savings by creating a personalised budget that prioritises your financial goals. Your Money Coach works with you to manage bills, reduce unnecessary spending and build a realistic savings plan. You’ll also see up to 12 months ahead, making it easier to stay on track and save consistently.

Mortgage stress generally refers to when more than 30% of your household income is spent on home loan repayments. At this level, it may become harder to cover other essential living expenses.

You’re likely in mortgage stress if:

• You’re worried about making your next mortgage repayment
• You’ve started missing or delaying payments
• You feel financially stretched even after cutting back on other expenses
• Your expenses are higher than your income
• These are common signs that you may be entering or already in financial hardship.

If your repayments fall into the “stress” or “danger” zone, it may be time to review your budget, negotiate with your lender, or seek professional support. MyBudget can help you build a personalised plan to reduce stress and take control of your finances. Call 1300 300 922 or get in touch online.

The first step in comparing your lending options is completely free and without obligation. You can book a free home loan health check or initial call with a MyBudget Loans specialist to review your current mortgage and explore how much you could save through refinancing, which is a great way to start taking the weight off your shoulders.

Yes. When you work with MyBudget, a team member will speak to your creditors on your behalf. They aim to set up manageable payment arrangements, which helps stop collection calls and eases the stress of dealing with multiple creditors on your own.

Yes. MyBudget Loans can help with debt consolidation by exploring options to combine multiple unsecured debts, such as credit cards, personal loans and medical bills, into one simpler repayment. In some cases, consolidating debts by refinancing a mortgage may also be considered, as it can offer a lower interest rate. However, it’s important to be mindful that spreading short-term debts over a longer period can increase the total cost. We help you weigh up the options so any consolidation supports your budget and long-term financial goals.

The MyBudget budgeting app is included in your MyBudget membership. While there is a cost to join MyBudget, the app comes at no extra charge. You’re not just getting an app, you’re getting a full budgeting system with expert support.

Most budgeting apps simply track what you’ve already spent. The MyBudget app combines smart technology with caring Money Coaches, giving you a personalised budget, a 12-month view of your finances and expert support to help you manage bills, reduce debt, build savings and achieve your financial goals.

Yes. The MyBudget app is available exclusively to MyBudget clients. Once you join, you’ll have access to your personalised budget, projected balances, scheduled bills and savings goals, plus ongoing support from your dedicated Money Coach.

Debt consolidation can include unsecured debts such as credit cards, personal loans, medical bills and buy now pay later accounts. In some cases, debts may also be consolidated by refinancing a mortgage, which can offer a lower interest rate. MyBudget helps assess which options suit your situation and budget goals.

Consolidating debt can temporarily lower your credit score due to initial enquiry checks, but making regular repayments over time will steadily improve your overall rating. When you choose our consolidation help, expert Money Coaches create a personalised 12-month budget to keep you on track. By ensuring all your bills and loan payments are processed on time, we provide the structured support required to safely protect your long-term credit health.

Debt consolidation help is ideal for people juggling multiple high-interest debts, such as credit cards, personal loans, and buy now pay later accounts. If you are experiencing high financial stress or struggling to manage multiple repayments, combining them can simplify your finances. Our expert Money Coaches work with you to build a personalised 12-month budget, ensuring this approach stops creditor calls and gives you a clear, manageable path toward living completely free from money worries.

It starts with a quick, obligation-free chat with one of our Money Coaches to get the budget help you need. In just ten minutes, we will discuss your goals and demonstrate how a personalised 12-month financial plan can help you get ahead, pay down debt, and build your savings. We do the heavy lifting to organise your family finances. Your journey to living life completely free from money worries begins with that very first conversation.

Our support includes personalised budgeting, debt repayment strategies, and financial coaching to help you manage cash flow. We provide ongoing assistance and adjustments to keep you on track toward your goals.

No. You remain in control of your finances at all times. MyBudget provides personalised budgeting support, a tailored 12-month financial plan and ongoing guidance from your Money Coach, but every decision is yours. You’ll always know where your money is going, can access your funds when you need them and can update your budget as your circumstances change.

Yes. MyBudget specialises in helping people with various levels of debt. We’ll work closely with you to create a customised plan aimed at reducing debt, managing expenses, and building savings, no matter your financial starting point.

While financial advisors offer general financial guidance, MyBudget specialises in personal finance solutions focused specifically on budgeting and debt management. Our expert team will work with you to develop a clear and structured plan to get you out of debt faster and start saving.

We do hold an Australian Financial Services Licence (AFSL) and Australian Credit Licence (ACL), we are not financial advisors and offer general financial advice only. For personal financial advice or financial product recommendations, we recommend you seek the services of a licensed financial advisor.

MyBudget provides tailored debt management plans to help you gain control over your finances. Our service includes a custom budget plan that suits your lifestyle with ongoing support to reduce debt, ease financial stress and help you achieve your financial goals.

You do not need a specific high income to qualify for MyBudget budget help. The primary requirement to access our support is simply having a regular and reliable income paid directly into a New Zealand bank account. Whether you earn a standard wage or a six-figure salary, our expert Money Coaches will carefully assess your financial situation. We then build a personalised 12-month budget to organise your bills and secure your family finances.

MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results.

No. MyBudget does not prepare or lodge tax returns. We provide budgeting guidance only. This checklist is designed to help self-lodgers stay organised and understand what documents they may need at tax time.

You can easily get extra budget help by booking a completely free appointment with one of our expert Money Coaches. They will work closely with you to understand your specific lifestyle and create a highly personalised 12-month budget. We know that trying to manage family finances alone can feel overwhelming, so we provide the exact structure required to succeed. By taking over the heavy lifting and organising your regular payments, we ensure your bills are safely covered.

Yes. MyBudget is a licensed Financial Advice Provider (FAP), but our advice is limited to our personal budgeting service. We specialise in personalised budgeting, debt reduction strategies and cash flow management, helping you organise your bills, stay on track with a 12-month financial plan and build better money habits. We don’t provide advice on investments, KiwiSaver or insurance, allowing us to focus on helping you achieve your financial goals and live life free from money worries.

Debt consolidation is a process where we combine your multiple financial obligations into a single, structured monthly payment plan without needing a new loan. By organising your separate balances together under our personal budget service, we provide comprehensive consolidation help. This vital debt help stops creditor calls, effectively taking the weight off your shoulders. We establish a clear strategy, allowing you to successfully manage family finances and live completely free from money worries.

Debt collectors may still contact you, but MyBudget can often communicate with your creditors on your behalf where appropriate. Your Money Coach works with you to develop a manageable repayment plan, negotiate suitable payment arrangements and help you stay on top of your finances. Having a clear plan and ongoing support can make dealing with debt far less stressful.

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 helps you stay on track. We focus on practical, long-term solutions that reduce financial stress while helping you achieve your financial goals.

If your expenses are higher than your income, MyBudget can help you understand where your money is going and identify practical ways to improve your financial position. Your Money Coach will review your spending, prioritise essential expenses and create a personalised budget that helps you regain control while working towards reducing debt and building financial stability.

MyBudget appointments are held virtually or over the phone, making it easy to access professional budgeting support from anywhere in New Zealand. Your dedicated Money Coach will create a personalised budget, explain your 12-month financial plan and provide ongoing support to help you stay in control of your money. Book your free appointment.

MyBudget was founded by Tammy Barton in Australia in 1999. She created MyBudget to help people reduce money stress, get out of debt and build long-term financial security through personalised budgeting support. Today, MyBudget has helped more than 130,000 people and now proudly supports Kiwis through MyBudget New Zealand, bringing the same proven budgeting service and caring Money Coaches to help people across New Zealand achieve their financial goals.

Planning 12 months ahead with a budget helps you prepare for upcoming bills, expenses and financial goals before they become stressful. Instead of only managing today’s money, a 12-month budget gives you a clear view of what’s ahead, so you know when bills are due, how much you can save and where you can reduce debt. This forward planning helps you make confident financial decisions and avoid unexpected surprises.

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.

Yes. A personalised budget can help you reduce debt and build savings by giving every dollar a purpose. MyBudget helps you prioritise repayments, plan for upcoming expenses and set realistic savings goals, making it easier to reduce financial pressure while steadily improving your financial position over time.

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.

Personalised budgeting helps you manage your money by creating a plan that reflects your income, bills, debts, savings goals and lifestyle. At MyBudget, your dedicated Money Coach creates a personalised budget and 12-month financial plan, helping you stay on top of your bills, reduce debt, build savings and make confident financial decisions with ongoing support.

Yes. You can access your money whenever you need to and remain fully in control of your finances. Your personalised budget is flexible, so you can request updates as your circumstances change. Through the MyBudget client app, you can track your spending, upcoming bills and 12-month financial plan, while transfers between your MyBudget account and personal bank account are fast and straightforward. Our personal budgeting service helps you manage your money with confidence and live life free from money worries.

MyBudget is a trusted personal budgeting service that helps you organise your money, pay bills on time, reduce debt, build savings and achieve your financial goals. We combine expert Money Coaches with a personalised budget and 12-month financial plan to help you stay in control of your money and plan confidently for the future. Backed by over 25 years of experience helping more than 130,000 people, our service is now available throughout New Zealand, helping you live life free from money worries.

Yes. MyBudget’s budgeting and financial goals webinar is completely free to watch. Hosted by MyBudget Founder Tammy Barton, it shares practical advice on creating a budget, managing debt, saving money and setting achievable financial goals. You’ll learn simple strategies you can apply straight away to help take control of your finances.

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.

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.

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.

No. Many of our clients join us because rising living costs are making it hard for them to stay ahead, even without big debts. A tailored plan can help prevent problems in the future.

Your budget will be realistic and workable, so you can still enjoy the things you love while getting back in control of your finances.

Yes – we can even contact service providers on your behalf to sort out an affordable repayment plan and help you stop worrying about overdue notices.

That’s a pretty common problem. We help you rebalance your budget, find ways to save and, where possible, negotiate manageable payment plans to ease the pressure.

Yes. You remain in control of all decisions. MyBudget manages the practical side of budgeting and bill payments, while you can track your money at any time through the app.

Yes. Many clients use both. MyBudget manages day‑to‑day cash flow and budgeting, making it easier to follow and implement long‑term strategies created by a Financial Advisor.

Financial Advisors provide strategic advice for wealth, investments and retirement. MyBudget provides hands-on, all-in-one money management, managing cash flow, paying bills, reducing debt and building savings day to day

If your priority is managing bills, reducing debt and creating financial stability, budgeting help from a MyBudget Money Coach is often the right first step. Financial Advisors are typically better suited to complex investments and long‑term wealth planning.

Your budget is working if your bills are paid on time, your savings are growing, and your debt is decreasing. You should feel more in control of your money and less stressed about unexpected expenses. Reviewing your budget monthly and adjusting for life changes ensures it stays aligned with your financial goals and personal circumstances.

Yes. A clear budget shows exactly how much extra money you can allocate toward debt payments each month. By paying more than the minimum on high‑interest credit cards or loans and avoiding new high‑cost credit, you reduce interest charges and shorten repayment timeframes. Budgeting to pay off debt improves your credit score and long‑term financial health.

If you live pay-to-pay, start by identifying your fixed expenses and minimum debt payments first. Prioritise essential costs, reduce discretionary spending temporarily, and automate even small savings contributions to build an emergency buffer. A realistic budget focused on stability and debt reduction can help improve cash flow and reduce financial stress over time.

The best way to set up a budget for beginners is to start simple and focus on awareness before fixing it all. List your monthly income, write down all essential expenses such as rent, utilities, groceries and loan repayments, then review and track discretionary spending. Set one clear savings goal and review your progress weekly. Using a Personal Budget Template or budget planner can make the process easier and more structured.

A personal budget reduces financial stress by providing visibility and control over income, bills, spending, and savings. Knowing exactly where money is going, having funds set aside for emergencies, and following a clear plan helps prevent reliance on credit, avoids missed payments, and creates confidence around short-term decisions and long-term goals.

Yes. MyBudget is designed to support working families managing childcare costs, school expenses, utilities, travel, and other irregular or unexpected bills. Personal budgets are built to account for both fixed and variable expenses, helping families stay prepared, reduce financial shocks, and plan confidently for future needs.

Many people feel immediate relief after joining MyBudget, often within the first few weeks. Simply having a clear plan in place, knowing bills are covered, and understanding exactly where their money is going can significantly reduce financial stress. This early sense of control is why many clients say they wish they had joined sooner.

It can. Some landlords may choose not to renew a lease, particularly in high-demand rental markets. Before making a request, consider how important it is for you to stay in the property and whether you’re prepared to move if negotiations don’t go your way.

If you can’t afford your rent, it’s important to act early. Contact your landlord or property manager as soon as possible, explore temporary rent relief or payment plans, and check whether you’re eligible for Centrelink Rent Assistance or other support. Seeking budgeting or tenancy advice early can help you avoid falling into arrears.

Yes. In most cases, landlords are not legally required to agree to a rent reduction. However, they must meet their obligations under tenancy laws, particularly around repairs and safety. If a property is not maintained or is unsafe, you may have stronger grounds to request rent relief or seek further advice.

The best time to ask for a rent reduction is when your lease is up for renewal, when there are unresolved repairs or habitability issues, or when local rental market conditions have softened. Requests are generally more successful if you can show evidence that the rent no longer reflects the property’s market value or condition.

Absolutely. Many couples choose to skip traditional gifts and focus on experiences instead. Valentine’s Day ideas at home, like a memories night or shared activity, can be more meaningful than gifts and are often better for your budget.

Yes. Talking about money and setting expectations before Valentine’s Day can help avoid pressure, disappointment and overspending. Agreeing on a budget together makes it easier to enjoy the day without worrying about the impact on your finances.

Some of the best cheap Valentine’s Day ideas include cooking at home, going stargazing, writing a handwritten letter, creating a personalised playlist or planning an indoor picnic. These affordable activities focus on connection rather than cost.

Valentine’s Day on a budget doesn’t mean doing less, it just means being more intentional. Simple ideas like a candlelit dinner at home, a movie night, a memories night or a shared experience can feel just as romantic as expensive plans, without the financial stress.

MyBudget is a personalised budgeting service available throughout New Zealand that helps you stay on top of your bills, reduce debt and build savings. Your dedicated Money Coach works with you to create a personalised budget and a 12-month financial plan, giving you a clear view of what’s ahead and ongoing support to help you stay in control of your money with confidence.

Your first MyBudget appointment is completely free. If you choose to join, your fee depends on the complexity of your financial situation and the level of support you need. We’ll explain all costs upfront, so you can decide whether our service is right for you. There are no long-term lock-in contracts, and your personalised budget plan is yours to keep. Learn more about how much MyBudget costs.

MyBudget is different because it provides a complete managed personal budget service that automates your finances rather than just tracking your spending. Our advanced platform maps out the long-term future of your money, ensuring your bills are consistently paid on time and your savings goals stay on track automatically. You gain the combined benefits of structure, complete visibility, and total control via our convenient mobile app, all fully backed by the ongoing support of our dedicated money coaching experts to help you live free from money worries.

A clear budget gives you confidence and control over your money, helping you see where every dollar goes and how to make it work for you. With expert budget help from MyBudget, you can stay on top of bills, reduce debt, and start saving to live life with less stress. Our personalised 12-month budget provides the clear visibility you need to manage family finances effectively and enjoy true freedom

MyBudget delivers unique budget help by pairing expert Money Coaches with a personalised 12-month financial plan that provides long-term clarity. We go well beyond simple spreadsheets by actively managing your bill payments, tracking progress, and holding regular coaching sessions to protect your goals. It is all about empowering Kiwi couples and mortgage holders to reduce debt, grow savings, and live life free from constant money worries.

Your free MyBudget appointment is a relaxed conversation with an expert Money Coach about your income, expenses, debts, bills and financial goals. Together, we’ll create a personalised budget and show you a 12-month financial plan so you can see what’s coming, what you can afford and how to reduce debt while building savings. Learn more about How MyBudget Works.

Many people qualify for MyBudget if they have a regular income paid into a New Zealand bank account and meet our eligibility requirements. During your free appointment, we’ll review your financial situation and explain whether our service is the right fit for your circumstances. If you’re looking to reduce debt, build savings or get better control of your money, enquire today to get started.

A complete personal budget should include all regular and irregular expenses, including rent or mortgage payments, utilities, groceries, transport, medical costs, insurance, school fees, subscriptions, debt repayments and long-term savings goals. MyBudget helps you identify hidden or seasonal expenses and build a complete financial plan so you are not caught off-guard by unexpected bills.

If you want more personalised help, MyBudget can guide you through building a tailored budget, managing bills and staying accountable to your goals. The webinar is a great first step, and our team can support you further if you choose.

The session teaches you how to set up a structure you can rely on throughout the year. You will learn habits that make budgeting easier, how to stay motivated and how to adjust your plan when life changes.

You will learn how to review your spending, map out your bills, create goals and plan your money across the year. The webinar focuses on building a personal budget that is flexible, realistic and supports the lifestyle you want.

It is ideal for anyone wanting a fresh financial start in the new year. Whether you have never created a budget before or want a better system that feels easier to follow, this session gives you clear guidance you can apply straight away.

This webinar guides you step by step through setting up your personal budget for the year ahead. Tammy and Rosanna share simple, practical strategies to help you understand your money, plan for goals and start the year feeling organised and in control.

Yes, MyBudget can contact your creditors directly to negotiate manageable payment plans and provide essential consolidation help. By establishing clear communication with them, we work to stop creditor calls and reduce overall financial pressure. This managed service allows you to successfully manage family finances and focus on paying down credit card debt without constant harassment. We help take the weight off your shoulders, giving you a clear path toward freedom from money worries.

MyBudget offers a personalised, hands-on approach with a money coach who works with you every step of the way. Unlike many digital tools, we combine technology with human support to ensure you’re not only saving but also staying on track to reach your financial goals.

Yes! MyBudget is designed to help reduce financial stress by giving you full control and visibility over your finances. Our goal is to simplify your money management so you can focus on your savings goals with peace of mind.

Track your spending, reduce unnecessary expenses, create a budget using tools like MyBudget’s Personal Budget Template, and start saving now.

Yes, the MyBudget app lets you track your finances in real-time, even when you’re on rotation. This includes monitoring savings, expenses, and any upcoming bills, giving you full control over your finances wherever you are.

It starts with a quick, obligation-free chat with one of our Money Coaches to get the budget help you need. In just ten minutes, we will discuss your goals and demonstrate how a personalised 12-month financial plan can help you get ahead, pay down debt, and build your savings. We do the heavy lifting to organise your family finances. Your journey to living life completely free from money worries begins with that very first conversation.

Our support includes personalised budgeting, debt repayment strategies, and financial coaching to help you manage cash flow. We provide ongoing assistance and adjustments to keep you on track toward your goals.

No. You remain in control of your finances at all times. MyBudget provides personalised budgeting support, a tailored 12-month financial plan and ongoing guidance from your Money Coach, but every decision is yours. You’ll always know where your money is going, can access your funds when you need them and can update your budget as your circumstances change.

MyBudget combines an expert money coach with budgeting tools designed to give you full visibility of your finances. Our team is here to support you with expert advice that adapts to the unique needs of FIFO work.

Yes, we’ll work with you to balance short-term goals, like holidays or travel, with longer-term financial planning. This way, you can enjoy the benefits of FIFO income while building financial security.

Absolutely. We assist with setting up a long-term savings strategy, including retirement planning, that works within the framework of your FIFO schedule and income structure, helping you build a secure future.

We provide a personalised budget plan that adapts to your lifestyle. This plan gives you full visibility of your finances and helps you plan for the future, MyBudget reduces the financial stress that comes with irregular income.

Yes, MyBudget helps you make the most of high-income periods by creating a structured plan that ensures your money lasts between fluctuating income. This approach makes it easier to manage finances when you’re on or off rotation.

MyBudget understands the unique challenges faced by FIFO workers, such as irregular income and long periods away from home. We create a customised budget to ensure steady cash flow, covering both work-related and home expenses while helping you save.

MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results.

You can easily get extra budget help by booking a completely free appointment with one of our expert Money Coaches. They will work closely with you to understand your specific lifestyle and create a highly personalised 12-month budget. We know that trying to manage family finances alone can feel overwhelming, so we provide the exact structure required to succeed. By taking over the heavy lifting and organising your regular payments, we ensure your bills are safely covered.

Yes. MyBudget is a licensed Financial Advice Provider (FAP), but our advice is limited to our personal budgeting service. We specialise in personalised budgeting, debt reduction strategies and cash flow management, helping you organise your bills, stay on track with a 12-month financial plan and build better money habits. We don’t provide advice on investments, KiwiSaver or insurance, allowing us to focus on helping you achieve your financial goals and live life free from money worries.

MyBudget appointments are held virtually or over the phone, making it easy to access professional budgeting support from anywhere in New Zealand. Your dedicated Money Coach will create a personalised budget, explain your 12-month financial plan and provide ongoing support to help you stay in control of your money. Book your free appointment.

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.

Yes. MyBudget can work with many creditors to negotiate more manageable repayment arrangements based on your financial situation. While outcomes depend on each creditor, our experienced Money Coaches regularly communicate with lenders and service providers to help reduce financial pressure and support a repayment plan that fits your personalised budget.

The time it takes to become debt free depends on your income, expenses, total debt and financial goals. During your free appointment, your Money Coach will create a personalised budget and debt management plan tailored to your circumstances. While everyone’s journey is different, we’ll help you make steady progress towards reducing debt and building a stronger financial future.

Not at all. Many people have more than one Buy Now Pay Later account. We’ll review your repayments, help you understand what you owe and create a personalised budget so you can stay on top of your commitments with confidence.

Many of our clients have seen their credit score go up over time because they’ve been able to keep on top of their repayments and avoid new debt by building up a structured plan.

Yes. If you’re struggling to keep up with repayments, we may be able to contact your Buy Now Pay Later providers to discuss more manageable payment arrangements, where appropriate.

We’ll create a personalised budget that includes your Buy Now Pay Later repayments, bills and everyday expenses. With a clear plan for your money, we’ll help you stay on top of repayments, reduce your reliance on credit and work towards becoming debt free.

Yes. MyBudget is designed to help people get out of debt, stop living pay‑to‑pay and regain control of everyday spending through structured repayments, budgeting support and ongoing guidance.

Yes. A personal budget helps families pay off credit card debt by giving every dollar a clear purpose, without requiring extreme cutbacks. Instead of removing lifestyle spending, a structured budget highlights where money is being unintentionally lost and reallocates it toward debt repayments, savings, and planned expenses. This approach makes debt reduction achievable while still supporting everyday family life.

Alternatives to bankruptcy include negotiated repayment plans, debt consolidation, financial hardship arrangements, and formal debt agreements such as Part IX or Part X agreements. Creating a clear, realistic budget is often a critical first step, as it helps you understand your cash flow, prioritise essential expenses, and manage debt without the long-term impacts of bankruptcy.

Yes, most people can continue working while bankrupt. However, if your income exceeds a set threshold, you may be required to make compulsory income contributions to your trustee during the bankruptcy period.

Most unsecured debts, such as credit cards, personal loans, and medical bills, are included in bankruptcy. Secured debts, like home loans or car loans, are not automatically included and may still need to be repaid if you wish to keep the asset.

In Australia, bankruptcy lasts for three years and one day from the date it is accepted. It remains on your credit file for a further two years and is listed on the National Personal Insolvency Index (NPII) permanently.

Buy Now Pay Later can feel safer because it offers interest-free instalments, but it still comes with risks. With multiple repayment dates and automatic deductions, it can be easy to lose track of what you owe. Missed repayments may result in late fees and could affect your credit record, depending on the provider and circumstances. A personalised budget can help you stay on top of repayments and reduce your reliance on credit.

Your first MyBudget appointment is completely free. If you choose to join, your fee depends on the complexity of your financial situation and the level of support you need. We’ll explain all costs upfront, so you can decide whether our service is right for you. There are no long-term lock-in contracts, and your personalised budget plan is yours to keep. Learn more about how much MyBudget costs.

MyBudget is different because it provides a complete managed personal budget service that automates your finances rather than just tracking your spending. Our advanced platform maps out the long-term future of your money, ensuring your bills are consistently paid on time and your savings goals stay on track automatically. You gain the combined benefits of structure, complete visibility, and total control via our convenient mobile app, all fully backed by the ongoing support of our dedicated money coaching experts to help you live free from money worries.

Your free MyBudget appointment is a relaxed conversation with an expert Money Coach about your income, expenses, debts, bills and financial goals. Together, we’ll create a personalised budget and show you a 12-month financial plan so you can see what’s coming, what you can afford and how to reduce debt while building savings. Learn more about How MyBudget Works.

Many people qualify for MyBudget if they have a regular income paid into a New Zealand bank account and meet our eligibility requirements. During your free appointment, we’ll review your financial situation and explain whether our service is the right fit for your circumstances. If you’re looking to reduce debt, build savings or get better control of your money, enquire today to get started.

Yes, you can absolutely enjoy your lifestyle because your personalised budget balances credit card debt repayments with your personal living costs. Our managed personal budget service helps you steadily pay off debt while still comfortably budgeting for the things that matter most to your family. This ensures your plan is completely realistic, flexible, and sustainable, allowing you to successfully manage family finances and live free from money worries.

Feeling overwhelmed by credit card debt is completely normal, but our managed service is here to immediately take the weight off your shoulders. MyBudget thoroughly reviews your full financial situation to provide dedicated consolidation help and stop the phone from ringing. We explain your choices clearly, establish a manageable repayment plan, and handle your bill payments on your behalf so you can finally live free from money worries.

No, you do not need a loan to pay off credit card debt. MyBudget creates a realistic credit card repayment plan using your existing income through our managed personal budget service. Refinancing or loan options are not required to get our consolidation help. Our caring team focuses on negotiating with creditors and helping you manage family finances responsibly using your current income so you can live free from money worries.

Yes, joining MyBudget can help improve your credit score over time because consistent, on-time bill payments directly reduce missed or late repayments. Our structured personal budget service helps rebuild your credit file and strengthens your credit score while you successfully manage family finances. By establishing reliable payment histories, we help take the weight off your shoulders so you can safely live your life completely free from money worries.

Yes, MyBudget can contact your creditors directly to negotiate manageable payment plans and provide essential consolidation help. By establishing clear communication with them, we work to stop creditor calls and reduce overall financial pressure. This managed service allows you to successfully manage family finances and focus on paying down credit card debt without constant harassment. We help take the weight off your shoulders, giving you a clear path toward freedom from money worries.

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 finances effectively, and clearly track your progress to live free from money worries.

Yes! MyBudget is designed to help reduce financial stress by giving you full control and visibility over your finances. Our goal is to simplify your money management so you can focus on your savings goals with peace of mind.

You’re likely in mortgage stress if:

• You’re worried about making your next mortgage repayment
• You’ve started missing or delaying payments
• You feel financially stretched even after cutting back on other expenses
• Your expenses are higher than your income
• These are common signs that you may be entering or already in financial hardship.

If your repayments fall into the “stress” or “danger” zone, it may be time to review your budget, negotiate with your lender, or seek professional support. MyBudget can help you build a personalised plan to reduce stress and take control of your finances. Call 1300 300 922 or get in touch online.

The first step in comparing your lending options is completely free and without obligation. You can book a free home loan health check or initial call with a MyBudget Loans specialist to review your current mortgage and explore how much you could save through refinancing, which is a great way to start taking the weight off your shoulders.

Paying down debt on time through a structured budget can support your credit score over time. When repayments are managed consistently, your credit history benefits from on-time payments and reduced outstanding balances.

Yes. When you work with MyBudget, a team member will speak to your creditors on your behalf. They aim to set up manageable payment arrangements, which helps stop collection calls and eases the stress of dealing with multiple creditors on your own.

Yes. MyBudget Loans can help with debt consolidation by exploring options to combine multiple unsecured debts, such as credit cards, personal loans and medical bills, into one simpler repayment. In some cases, consolidating debts by refinancing a mortgage may also be considered, as it can offer a lower interest rate. However, it’s important to be mindful that spreading short-term debts over a longer period can increase the total cost. We help you weigh up the options so any consolidation supports your budget and long-term financial goals.

Debt consolidation can include unsecured debts such as credit cards, personal loans, medical bills and buy now pay later accounts. In some cases, debts may also be consolidated by refinancing a mortgage, which can offer a lower interest rate. MyBudget helps assess which options suit your situation and budget goals.

Consolidating debt can temporarily lower your credit score due to initial enquiry checks, but making regular repayments over time will steadily improve your overall rating. When you choose our consolidation help, expert Money Coaches create a personalised 12-month budget to keep you on track. By ensuring all your bills and loan payments are processed on time, we provide the structured support required to safely protect your long-term credit health.

Debt consolidation help is ideal for people juggling multiple high-interest debts, such as credit cards, personal loans, and buy now pay later accounts. If you are experiencing high financial stress or struggling to manage multiple repayments, combining them can simplify your finances. Our expert Money Coaches work with you to build a personalised 12-month budget, ensuring this approach stops creditor calls and gives you a clear, manageable path toward living completely free from money worries.

MyBudget provides tailored debt management plans to help you gain control over your finances. Our service includes a custom budget plan that suits your lifestyle with ongoing support to reduce debt, ease financial stress and help you achieve your financial goals.

Yes. MyBudget can help you develop a debt repayment plan tailored to your FIFO income cycle, ensuring debts are managed responsibly without impacting your quality of life.

MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results.

Debt consolidation is a process where we combine your multiple financial obligations into a single, structured monthly payment plan without needing a new loan. By organising your separate balances together under our personal budget service, we provide comprehensive consolidation help. This vital debt help stops creditor calls, effectively taking the weight off your shoulders. We establish a clear strategy, allowing you to successfully manage family finances and live completely free from money worries.

Debt collectors may still contact you, but MyBudget can often communicate with your creditors on your behalf where appropriate. Your Money Coach works with you to develop a manageable repayment plan, negotiate suitable payment arrangements and help you stay on top of your finances. Having a clear plan and ongoing support can make dealing with debt far less stressful.

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 helps you stay on track. We focus on practical, long-term solutions that reduce financial stress while helping you achieve your financial goals.

If your expenses are higher than your income, MyBudget can help you understand where your money is going and identify practical ways to improve your financial position. Your Money Coach will review your spending, prioritise essential expenses and create a personalised budget that helps you regain control while working towards reducing debt and building financial stability.

MyBudget appointments are held virtually or over the phone, making it easy to access professional budgeting support from anywhere in New Zealand. Your dedicated Money Coach will create a personalised budget, explain your 12-month financial plan and provide ongoing support to help you stay in control of your money. Book your free appointment.

Approval for a 0% balance transfer credit card in Australia depends on your credit history and income. Lenders will assess your credit report, existing debt levels and repayment history when reviewing your application. If you have a low credit score or recent missed payments, your options may be limited. In these cases, a structured debt repayment plan may be a safer alternative.

A CC balance transfer is simply shorthand for a credit card balance transfer. It refers to moving existing credit card debt from one card to another, usually to access a lower or 0% introductory interest rate for a set period.

Balance transfer fees are typically between 1% and 3% of the amount transferred. Whether they are worth it depends on how much interest you will save during the 0% promotional period. If the interest savings outweigh the upfront fee, a balance transfer can still deliver meaningful value.

Yes, many balance transfer credit cards in Australia allow you to transfer multiple credit card balances, provided you stay within your approved credit limit. Keep in mind that transfer limits may be capped at a percentage of your available credit and fees may apply to each transferred balance.

Applying for a new credit card, including a balance transfer credit card, results in a credit enquiry which may cause a small temporary dip in your credit score. However, reducing your outstanding debt and making repayments on time can improve your credit profile over the longer term.

In Australia, a balance transfer usually takes between 3 and 10 business days once your new credit card application is approved. The exact timing depends on the lender and how quickly your previous provider releases the funds. Always continue making minimum repayments on your old card until the transfer is complete.

Yes. Many Australians pay off credit card debt without a personal loan by using budgeting, prioritised repayments, creditor negotiation and structured debt management support. In many cases, improving cashflow and reducing interest charges is more effective than taking on new debt.

Feeling overwhelmed by credit card debt is completely normal, but our managed service is here to immediately take the weight off your shoulders. MyBudget thoroughly reviews your full financial situation to provide dedicated consolidation help and stop the phone from ringing. We explain your choices clearly, establish a manageable repayment plan, and handle your bill payments on your behalf so you can finally live free from money worries.

No, you do not need a loan to pay off credit card debt. MyBudget creates a realistic credit card repayment plan using your existing income through our managed personal budget service. Refinancing or loan options are not required to get our consolidation help. Our caring team focuses on negotiating with creditors and helping you manage family finances responsibly using your current income so you can live free from money worries.

Yes, MyBudget can contact your creditors directly to negotiate manageable payment plans and provide essential consolidation help. By establishing clear communication with them, we work to stop creditor calls and reduce overall financial pressure. This managed service allows you to successfully manage family finances and focus on paying down credit card debt without constant harassment. We help take the weight off your shoulders, giving you a clear path toward freedom from money worries.

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 finances effectively, and clearly track your progress to live free from money worries.

Paying down debt on time through a structured budget can support your credit score over time. When repayments are managed consistently, your credit history benefits from on-time payments and reduced outstanding balances.

Debt collectors may still contact you, but MyBudget can often communicate with your creditors on your behalf where appropriate. Your Money Coach works with you to develop a manageable repayment plan, negotiate suitable payment arrangements and help you stay on top of your finances. Having a clear plan and ongoing support can make dealing with debt far less stressful.

Yes. MyBudget helps you build an emergency fund with a personalised budget that balances savings with your everyday bills and financial goals. A good place to start is building a small buffer for unexpected expenses, then gradually working towards three to six months of essential living costs. Even saving a small amount each week can build momentum and strengthen your financial security over time.

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.

Yes. Even if money feels tight, it’s often possible to build savings with the right plan. MyBudget helps you understand where your money is going, prioritise essential expenses and identify opportunities to save regularly. A realistic budget can help you build healthy savings habits over time, even if you start with small amounts.

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.

The amount you should save each week depends on your income, expenses and financial goals. Rather than following a one-size-fits-all rule, MyBudget creates a personalised budget that helps you save an amount that’s realistic and sustainable. Small, consistent contributions often make the biggest difference over time.

Staying motivated to save is easier when your goals are clear and progress is visible. Automatic transfers, regular reviews and separating savings from everyday spending can help make saving consistent and purposeful.

Whether to save or pay off debt first depends on your situation and interest rates. Many people benefit from building a small emergency buffer first, then focusing on reducing high-interest debt while continuing structured savings.

At MyBudget, we often suggest starting with a $1,000 emergency buffer as a practical first step. From there, many Australians choose to gradually build toward three to six months of essential living expenses over time, depending on their circumstances and comfort level.

A realistic savings goal reflects your income, expenses and current life stage. It should be achievable and aligned with what you want your money to support. For some people, that means building a small emergency buffer first. For others, it may be saving for a home deposit, holiday or long-term financial security. Regular review keeps it relevant.

You can use our Savings Goal Calculator to see how small regular contributions can grow over time.

Saving helps you prepare for future expenses, reduce financial risk and build long-term financial security. It creates a financial buffer so unexpected costs do not derail your progress and allows you to move toward your goals with confidence.

Yes. MyBudget can help you manage subscriptions by identifying recurring charges, setting up a personalised budget, automating bill payments and helping redirect savings from subscriptions you cancel or downgrade. This helps reduce ongoing costs and supports your savings and long-term financial goals.

You can find subscriptions linked to your credit card or bank account by reviewing your statements for recurring charges, direct debits and automatic payments, then matching them to subscription services or apps you recognise.

The easiest way to manage subscriptions is to track them in a personal budget and set calendar alerts before renewal dates, so you can cancel or downgrade subscriptions before charges occur.

Auditing your subscriptions every three to six months is ideal, or whenever your income, expenses or financial priorities change.

No. Deleting an app does not cancel a subscription. You must cancel subscriptions through the App Store, Google Play, or the subscription service’s website to stop recurring charges.

For many Australians, side hustles are worth it in 2026 as a way to offset cost-of-living pressures, pay down debt, and build savings faster. The key is choosing a side hustle that fits your lifestyle, has realistic income expectations, and supports your long-term financial goals without adding unnecessary stress.

The best side hustles alongside a full-time job are flexible, low-time and location-independent. Popular options include freelance writing, virtual assistance, online tutoring, consulting, digital product sales, and eCommerce. These hustles allow you to control your hours and avoid burnout.

You generally need an ABN if you are running your side hustle as a business, issuing invoices, or earning income regularly. An ABN is also required if you register for GST. For occasional or hobby income, an ABN may not be mandatory, but having one can simplify tax reporting and payments.

Yes. All income earned from a side hustle must be declared in your Australian tax return, even if it is irregular or paid in cash. Side hustle income may increase your taxable income, but you can usually claim deductions for eligible expenses such as equipment, software, marketing, and home office costs.

Most Australians earn between $100 and $1,000 per month from a side hustle, depending on the time invested, skills used, and demand. Service-based side hustles like freelancing, tutoring, or consulting often earn $30–$100 per hour, while digital products and content creation may start slower but scale over time.

Your first MyBudget appointment is completely free. If you choose to join, your fee depends on the complexity of your financial situation and the level of support you need. We’ll explain all costs upfront, so you can decide whether our service is right for you. There are no long-term lock-in contracts, and your personalised budget plan is yours to keep. Learn more about how much MyBudget costs.

MyBudget is different because it provides a complete managed personal budget service that automates your finances rather than just tracking your spending. Our advanced platform maps out the long-term future of your money, ensuring your bills are consistently paid on time and your savings goals stay on track automatically. You gain the combined benefits of structure, complete visibility, and total control via our convenient mobile app, all fully backed by the ongoing support of our dedicated money coaching experts to help you live free from money worries.

Your free MyBudget appointment is a relaxed conversation with an expert Money Coach about your income, expenses, debts, bills and financial goals. Together, we’ll create a personalised budget and show you a 12-month financial plan so you can see what’s coming, what you can afford and how to reduce debt while building savings. Learn more about How MyBudget Works.

Many people qualify for MyBudget if they have a regular income paid into a New Zealand bank account and meet our eligibility requirements. During your free appointment, we’ll review your financial situation and explain whether our service is the right fit for your circumstances. If you’re looking to reduce debt, build savings or get better control of your money, enquire today to get started.

Absolutely, MyBudget is perfectly suited for families looking to plan for future expenses. Through our tailored personal budget service, we help you securely manage family finances and set aside funds for education, holidays, or unexpected costs. This structured approach builds a reliable cash reserve, ensuring you have total confidence when last-minute bills arise. Let our money coaches handle your cash flow management so your household can move forward and live completely free from money worries.

Yes. MyBudget helps many people reduce debt while building savings at the same time. Your personalised budget is designed to balance debt repayments with achievable savings goals, so you can make steady progress without putting unnecessary pressure on your finances. The right approach depends on your circumstances and financial priorities.

Yes. MyBudget helps you track your savings goal progress with a personalised budget that shows you up to 12 months ahead. You’ll be able to see how your savings are growing alongside your bills and other financial commitments, giving you a clearer picture of when you’re likely to reach your goal. Your Money Coach also provides ongoing support to help you stay on track.

MyBudget offers a personalised, hands-on approach with a money coach who works with you every step of the way. Unlike many digital tools, we combine technology with human support to ensure you’re not only saving but also staying on track to reach your financial goals.

Yes, we can absolutely help you plan and achieve specific milestones like a holiday or house deposit. Through our personal budget service, we analyse your cash flow to build a realistic roadmap that fits your specific timeframe. We provide the structured, hands-on support needed to successfully manage family finances and accelerate your progress. Our money coaches handle the details to keep you on track, helping you build lasting wealth and live completely free from money worries.

Yes! MyBudget is designed to help reduce financial stress by giving you full control and visibility over your finances. Our goal is to simplify your money management so you can focus on your savings goals with peace of mind.

MyBudget helps you increase your savings by creating a personalised budget that prioritises your financial goals. Your Money Coach works with you to manage bills, reduce unnecessary spending and build a realistic savings plan. You’ll also see up to 12 months ahead, making it easier to stay on track and save consistently.

Track your spending, reduce unnecessary expenses, create a budget using tools like MyBudget’s Personal Budget Template, and start saving now.

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.

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 personalised plan based on your real financial situation, MyBudget can create a tailored budget designed around your goals.

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.

Absolutely. In addition to debt management, we help clients build sustainable savings habits to work towards future goals like owning a home, holidays, or emergency funds, based on a realistic budget plan.

Absolutely. Our team works with you to establish an emergency fund as a safety net, which is especially important for FIFO workers who may face sudden job changes or extended time between contracts.

MyBudget helps people take control of their finances by creating a personalised budget, organising their bills and providing day to day money management support. We help reduce financial stress, manage debt, build savings and give clients a clear, structured plan for their financial goals. With over 25 years of experience and more than 130,000 Australians helped, our system provides stability, confidence and long term results.

MyBudget appointments are held virtually or over the phone, making it easy to access professional budgeting support from anywhere in New Zealand. Your dedicated Money Coach will create a personalised budget, explain your 12-month financial plan and provide ongoing support to help you stay in control of your money. Book your free appointment.

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.

Absolutely, MyBudget is perfectly suited for families looking to plan for future expenses. Through our tailored personal budget service, we help you securely manage family finances and set aside funds for education, holidays, or unexpected costs. This structured approach builds a reliable cash reserve, ensuring you have total confidence when last-minute bills arise. Let our money coaches handle your cash flow management so your household can move forward and live completely free from money worries.

Absolutely. In addition to debt management, we help clients build sustainable savings habits to work towards future goals like owning a home, holidays, or emergency funds, based on a realistic budget plan.

Yes. MyBudget helps clients plan for school fees by building them into a personalised budget and setting up a dedicated savings stream in the background, so funds are ready when invoices arrive and financial stress is reduced.

If you’re struggling to afford school fees, contact the school early to discuss payment plans or hardship options. You may also be eligible for government concessions or state‑based assistance that help reduce education costs.

How much you need to set aside depends on whether your child attends a public or private school. Based on Finder’s 2026 national school fee averages, public school families can typically budget around $32 per month for primary students and $64 per month for secondary students, while private school families may budget closer to $618 per month for primary and $1,093 per month for secondary. Spreading costs evenly across the year makes school fees easier to manage.

Budgeting for school fees in Australia starts with upfront budget planning. List all expected education costs for the year, then use a budget template or personal budget to divide the total across your pay cycle. Setting up a dedicated school fees savings stream turns that plan into a simple money saving plan that runs automatically.

A personalised budget shows exactly what you can afford, allocates income for bills, savings and essentials, and highlights opportunities to reduce debt and build savings. This structured plan helps single parents improve cash flow, reduce financial stress, and move toward long-term financial independence and goals.

Single parent budgeting starts with a realistic plan that lists all income sources (wages, government support, child support) and expenses. Prioritise essentials like rent, bills and childcare, build a small emergency fund, and adjust as costs change. A clear budget plan improves cash flow and reduces stress for single parent households.

Buying school supplies online can be cheaper for Australian parents when retailers offer bundle deals or online-only discounts, while in-store shopping can help avoid unnecessary extras. The cheapest option often comes from comparing both online and in-store prices before purchasing.

Australian parents can save money on school supplies by shopping sales early, buying in bulk, using school stationery list services, and checking what can be reused from previous years. Comparing prices online before shopping can also significantly reduce costs.

Australian parents are best to start budgeting for back to school in November or December. Planning early allows families to spread costs, take advantage of Black Friday and Boxing Day sales, and avoid last-minute price spikes.

A back-to-school budget should cover uniforms, stationery, school shoes, bags, technology, excursions and other hidden costs such as transport or camps. Australian parents should also allow a buffer for replacement items during the school year.

The average back-to-school costs in Australia vary by year level, but Australian parents spent an average of $2,671 per primary school child and $5,043 per secondary school student in 2024, according to Finder. These costs typically include uniforms, stationery, shoes and school tech like laptops or tablets.

Couples should get help with money when conversations feel stuck, stressful, or overwhelming. Professional budgeting support can help create clarity, manage bills, reduce financial stress, and align long-term goals.

Couples avoid money arguments by improving visibility and communication. Sharing budgets, planning for upcoming expenses, and holding regular money check-ins helps prevent surprises and reduces emotional reactions around spending.

Different money habits are common and usually shaped by upbringing and past experiences. Understanding each other’s money mindset helps couples compromise, reduce conflict, and create a system that feels fair to both people.

Couples should talk about money early in the relationship and revisit it regularly. Key moments include moving in together, sharing bills, taking on debt, or when financial stress starts affecting daily life.

You start by choosing a calm time and framing the conversation around shared goals rather than blame. Focus on how money feels, what you want to improve together, and what support looks like for both partners.

A complete personal budget should include all regular and irregular expenses, including rent or mortgage payments, utilities, groceries, transport, medical costs, insurance, school fees, subscriptions, debt repayments and long-term savings goals. MyBudget helps you identify hidden or seasonal expenses and build a complete financial plan so you are not caught off-guard by unexpected bills.

Absolutely, MyBudget is perfectly suited for families looking to plan for future expenses. Through our tailored personal budget service, we help you securely manage family finances and set aside funds for education, holidays, or unexpected costs. This structured approach builds a reliable cash reserve, ensuring you have total confidence when last-minute bills arise. Let our money coaches handle your cash flow management so your household can move forward and live completely free from money worries.

Track your spending, reduce unnecessary expenses, create a budget using tools like MyBudget’s Personal Budget Template, and start saving now.

Use a combination of budgeting, government support, flexible work arrangements, and savings to extend your time at home.

If you want private care, make sure to sign up at least 12 months before falling pregnant to meet waiting periods.

Public care is covered by Medicare but may have fewer options for continuity of care. Private care gives more flexibility but comes with out-of-pocket costs and insurance requirements.

Yes, MyBudget helps you budget better, reduce debt, and free up money to make extra super contributions or save for the retirement lifestyle you want.

MyBudget’s expert Money Coaches help Australians build personalised budgets, manage bills, and create clear savings strategies to reach retirement goals with confidence.

According to ASFA’s October 2025 report, the average super balance has reached a record high of $172,000, reflecting stronger investment returns and steady growth from the rise to a 12% Super Guarantee.

The 2025 super changes, including the 12% Super Guarantee, Parental Leave Pay super, and higher transfer balance cap, mean greater long-term growth and fairer outcomes for most Australians.

For some Australians, yes. If you own your home and live modestly, $1 million can fund a comfortable retirement, but renters, frequent travellers, or those with higher health costs may need more.

Most Australians need around $595,000 for singles and $690,000 for couples to retire comfortably, assuming home ownership and partial Age Pension support.

Absolutely. We assist with setting up a long-term savings strategy, including retirement planning, that works within the framework of your FIFO schedule and income structure, helping you build a secure future.

A balance transfer can help after the festive season if it genuinely lowers your interest rate, fits within your budget, and comes with a clear repayment plan that you can afford. Without changes to spending habits and cashflow management, balance transfers can lead to higher debt once interest‑free periods end.

The fastest way to recover from Christmas credit card debt is to get clear on your credit card balances, build a realistic budget, and prioritise high-interest credit card debt first. Combining a structured repayment strategy, such as the Debt Avalanche or Debt Snowball method, with reduced spending helps stop new debt while accelerating debt recovery.

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 expenses, helping you stay on track towards your financial goals.

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.

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.

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.

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.

An Income Tax Calculator helps you estimate how much income you’ll have available after tax, making it easier to plan your budget. Once you know your estimated take-home pay, you can better manage bills, everyday expenses, debt repayments and savings goals. MyBudget builds on this with a personalised budget and a clear 12-month financial projection to help New Zealanders plan ahead with confidence.

The Income Tax Calculator may not include deductions such as KiwiSaver contributions or student loan repayments. These and other payroll deductions can affect your take-home pay, so your actual income may differ from the estimate. For information specific to your circumstances, check your payslip or visit Inland Revenue (IRD).

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.

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.

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.

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 of loan repayments while continuing to work towards your bigger financial goals.

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.

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.

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.

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.

Yes. The MyBudget Savings Calculator is completely free to use and can help you estimate how long it may take to reach your savings goals. If you’d like more personalised support, you can also book a free appointment with a MyBudget Money Coach to create a tailored budget and savings plan.

Yes. You can use the Savings Calculator as many times as you like to estimate different savings goals, such as a holiday, emergency fund, home deposit or major purchase. Comparing different scenarios can help you understand how changes to your savings amount or timeframe may affect when you reach each goal.

MyBudget offers a personalised, hands-on approach with a money coach who works with you every step of the way. Unlike many digital tools, we combine technology with human support to ensure you’re not only saving but also staying on track to reach your financial goals.

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.

Yes. The tool can estimate how much interest you’ll earn on a term deposit by entering your starting balance, interest rate, and investment term.

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.

Once you’ve used the Savings Calculator, compare different savings scenarios and choose a goal that suits your budget. If you’d like personalised support, MyBudget can help you create a tailored budget and savings plan that fits your lifestyle, making it easier to save consistently and stay on track towards your financial goals.

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 personalised plan based on your real financial situation, MyBudget can create a tailored budget designed around your goals.

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.

The calculator estimates your household’s monthly income (based on the pre-tax annual income you enter), compares it to your monthly mortgage repayments, and shows the percentage on a stress bar. Results above 30% are typically considered “mortgage stress”.

You’re likely in mortgage stress if:

• You’re worried about making your next mortgage repayment
• You’ve started missing or delaying payments
• You feel financially stretched even after cutting back on other expenses
• Your expenses are higher than your income
• These are common signs that you may be entering or already in financial hardship.

You should enter your own pre-tax annual income, and optionally your partner’s pre-tax annual income if you share mortgage repayments. The calculator then adds these together to estimate total household income.

No. The tool focuses on the ratio of your mortgage repayments to your household income. It does not consider other expenses such as food, bills, or lifestyle costs, which may also affect your financial comfort.

The calculator is designed to provide an indication only. It assumes stable income, does not adjust for tax, living costs, or future interest rate changes, and results may vary from how banks or lenders define mortgage stress.

It’s built by financial experts and designed for real Australian households, offering a clear layout that fits seamlessly with MyBudget’s budgeting system.

By showing where your money goes, a Personal Budget helps identify unnecessary spending so you can redirect funds toward savings or debt reduction.

Simply download the free file and enter your income and expenses. You’ll instantly see where your money is going and where you can start saving.

The MyBudget budgeting app gives you 24/7 access to your personalised budget, helping you stay on top of your bills, debt and savings from your phone. Unlike traditional budgeting apps, it’s backed by caring Money Coaches who help you plan ahead, make informed financial decisions and stay on track towards your goals.

A budgeting app is a handy tool you can use on your smartphone or other smart device to help you track your income, monitor expenses, manage debt, save money, and plan for your financial goals. Some budgeting apps provide basic tools, while others offer real-time syncing with bank accounts and automated financial insights.

The MyBudget budgeting app is different. It connects directly to real humans coaching you all the way on a tailored financial plan. That means everything in the app is part of your actual budget, not just an estimate, giving you full visibility and confidence.

Choosing the right app for budgeting comes down to how much support you want, your financial goals, and the level of control you’re after. Consider these key factors:

• User-friendly interface: A budgeting app that’s easy to use on your smartphone, so you can track your money on the go.
• Device compatibility: Make sure it works on iPhones and Android smartphones.
• Security: Trust and security are essential when it comes to budgeting and managing your money on your smartphone.
• Goal tracking: The best apps let you set and monitor savings and debt goals with your budget.
• Insights and reporting: Visual tools and alerts help you stay informed.
• Ongoing support: If you want guidance, choose an app backed by real people.

With MyBudget, all of this is built-in. Our budgeting app combines automation and expert advice to give you a complete money management solution on your smartphone.

Most budgeting apps simply track what you’ve already spent. The MyBudget app combines smart technology with caring Money Coaches, giving you a personalised budget, a 12-month view of your finances and expert support to help you manage bills, reduce debt, build savings and achieve your financial goals.

Yes. The MyBudget app is available exclusively to MyBudget clients. Once you join, you’ll have access to your personalised budget, projected balances, scheduled bills and savings goals, plus ongoing support from your dedicated Money Coach.

Whether you’re saving for a home, paying off a credit card, building an emergency fund or planning a holiday, the MyBudget budgeting app makes it simple. Your personalised budget includes these goals, and the app shows your progress in real-time.

Yes. You can securely upload bills and other important documents directly through the app, making it easy to keep everything in one place. Your Money Coach can then review the information and update your personalised budget when needed.

You can log into the MyBudget app using the email address linked to your account. If you forget your password, simply select the reset option. The app connects directly to our personal budget service, giving you full visibility over your savings and upcoming bills. This clear structure makes it incredibly easy to manage family finances and stay firmly in control. We handle the details so you can live completely free from money worries.

At MyBudget Loans, as your broker, we have access to a wide panel of lenders, allowing us to compare a diverse range of products and find the one that is perfectly tailored to your unique financial situation. On average, our clients save $10,000 in repayments per year by refinancing with us.

Mortgage stress generally refers to when more than 30% of your household income is spent on home loan repayments. At this level, it may become harder to cover other essential living expenses.

You’re likely in mortgage stress if:

• You’re worried about making your next mortgage repayment
• You’ve started missing or delaying payments
• You feel financially stretched even after cutting back on other expenses
• Your expenses are higher than your income
• These are common signs that you may be entering or already in financial hardship.

If your repayments fall into the “stress” or “danger” zone, it may be time to review your budget, negotiate with your lender, or seek professional support. MyBudget can help you build a personalised plan to reduce stress and take control of your finances. Call 1300 300 922 or get in touch online.

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Going directly to your bank limits you to one product. MyBudget Loans works with over 15 major Australian lenders (including NAB, Westpac, ANZ, and Pepper Money). We compare hundreds of products to see if we can find you a more competitive interest rate, saving you money and time. Our team finds the right loan that fits your budget plan, making the process stress-free.

Yes. MyBudget Loans can help with debt consolidation by exploring options to combine multiple unsecured debts, such as credit cards, personal loans and medical bills, into one simpler repayment. In some cases, consolidating debts by refinancing a mortgage may also be considered, as it can offer a lower interest rate. However, it’s important to be mindful that spreading short-term debts over a longer period can increase the total cost. We help you weigh up the options so any consolidation supports your budget and long-term financial goals.

The first step in comparing your lending options is completely free and without obligation. You can book a free home loan health check or initial call with a MyBudget Loans specialist to review your current mortgage and explore how much you could save through refinancing, which is a great way to start taking the weight off your shoulders.

MyBudget Loans specialises in helping homeowners and families simplify their debts and reduce monthly repayment pressure by finding better home loan refinancing solutions. Our team of experts is also equipped to help you secure competitive interest rates on new personal loans and construction loans, ensuring you get the right lending solution for your specific financial needs.

Yes, you can cancel MyBudget. There are no lock in contracts, and you are free to close your budget if you decide the service is no longer right for you. Before you cancel, we will make sure any remaining funds in your MyBudget account are returned to you and that you understand what will happen with your bills and debt repayments moving forward. Our goal is always to leave you in the best possible position, whether you stay with us or move on.

Yes, MyBudget can contact your creditors directly to negotiate manageable payment plans and provide essential consolidation help. By establishing clear communication with them, we work to stop creditor calls and reduce overall financial pressure. This managed service allows you to successfully manage family finances and focus on paying down credit card debt without constant harassment. We help take the weight off your shoulders, giving you a clear path toward freedom from money worries.

Our team provides flexible support to fit your needs. We’re available for regular check-ins and updates to ensure your plan remains effective and aligned with any changes in your financial circumstances.

You have access to our app which tracks all of your money securely in one place with 24/7 visibility.

You do not need a specific high income to qualify for MyBudget budget help. The primary requirement to access our support is simply having a regular and reliable income paid directly into a New Zealand bank account. Whether you earn a standard wage or a six-figure salary, our expert Money Coaches will carefully assess your financial situation. We then build a personalised 12-month budget to organise your bills and secure your family finances.

Your Client Success Coach will contact you shortly after your budget is created to guide you through the initial setup. They will check in regularly to review your goals and adjust your personal budget service plan whenever life changes. This ongoing, hands-on support makes it incredibly simple to successfully manage family finances. We ensure you stay firmly on track, giving you the complete confidence to live your life free from money worries.

You can log into the MyBudget app using the email address linked to your account. If you forget your password, simply select the reset option. The app connects directly to our personal budget service, giving you full visibility over your savings and upcoming bills. This clear structure makes it incredibly easy to manage family finances and stay firmly in control. We handle the details so you can live completely free from money worries.

If you have forgotten an expense, simply contact us so we can update your plan. Your money coach will review your personal budget service, adjust your payments where possible, and ensure the new cost fits safely into your framework. Keeping your budget flexible makes it much easier to securely manage family finances when unexpected costs arise. We handle these adjustments for you, allowing you to live your life completely free from money worries.

You can easily provide your bill details during setup or anytime afterward. Share your account information with us, and our personal budget service will directly add it to your personalised plan. We will schedule your future payments and ensure the correct amounts are safely set aside. This structured organisation makes it simple to successfully manage family finances and completely prevents missed payments. Let our team handle your billing details so you can live completely free from money worries.

If you need to change your payroll details, simply contact us and we will update the information for you. We will guide you through the correct steps to ensure your income continues flowing smoothly into your personal budget service without interruption. This seamless support makes it incredibly simple to confidently manage family finances when your employment changes. Let our dedicated team handle the administrative details so you can live your life completely free from money worries.

Utility bills often change, so we track your history and set aside a consistent amount based on your past usage. When the bill arrives, our personal budget service reviews the exact amount and adjusts your plan if needed. This approach ensures you are fully prepared for each bill even when the amount varies. We make it simple to successfully manage family finances despite fluctuating costs. Our team handles these variations so you can live completely free from money worries.

To amend any expenses, simply contact your MyBudget team through the app, by phone, or via email. Our personal budget service will update your plan and carefully review the impact on your upcoming payments. We make sure your structure continues to support your long-term goals. This flexible support makes it incredibly easy to manage family finances as your needs change. Let our dedicated experts handle these adjustments so you can live your life completely free from money worries.

If you need an additional amount for your living expenses, just let us know so we can review your plan. We will check your upcoming payments and allocate the extra funds where possible using our personal budget service. Keeping your structure flexible is essential to help you successfully manage family finances on a daily basis. By supporting your changing needs, we ensure you can continue to live completely free from money worries.

You can access your savings at any time by requesting a transfer through the MyBudget app or contacting our team directly. Before processing the request, our personal budget service reviews your upcoming bills to ensure your financial commitments remain fully covered. This safety check makes it incredibly simple to confidently manage family finances. Your money is always available when you need it, helping you to securely live your life completely free from money worries.

We pay your direct debits by scheduling the correct amounts and making payments on time. Our personal budget service sets aside these funds in advance by monitoring your exact bill cycles. This ensures money is ready when each debit is due. By preventing missed payments and overdue fees, we make it simple to successfully manage family finances. We handle the administration so you can live completely free from money worries.

You can check if your bills have been paid at any time by viewing the MyBudget app. It shows payment dates, amounts, and statuses to give you complete transparency. Our personal budget service provides this clear visibility so you always know where you stand. This structured oversight makes it incredibly easy to successfully manage family finances. If you ever have questions, our team can walk you through your schedule, helping you live completely free from money worries.

Yes, we perform regular health checks to make sure your plan still suits your income, bills, and goals. These ongoing reviews help you stay on track and easily adjust to any lifestyle changes. Our personal budget service uses these checks to ensure you make steady progress toward reducing debt and building savings. We make it incredibly simple to successfully manage family finances. By keeping your structure perfectly aligned, you can live completely free from money worries.

If we propose new arrangements with a creditor, you simply need to provide the reference number and requested documents so we can finalise the details. Our team will communicate with them directly to negotiate terms and update your personal budget service plan. This professional handling keeps your repayments highly organised, making it easy to successfully manage family finances. We handle these negotiations on your behalf so you can live completely free from money worries.

If you miss your payroll cut-off, just let your Client Success Coach know as soon as possible. We will immediately review your upcoming payments and adjust your personal budget service plan to accommodate the timing shift. Our systems are fully designed to be flexible, allowing you to successfully manage family finances without missing a beat. We will work closely with you to ensure your bills, savings, and essential expenses continue running smoothly so you can live completely free from money worries.

Yes. MyBudget is set up so that your budgeting, bill payments and debt management continue even if our physical offices need to close for a period of time. Our systems and teams can operate remotely, and your direct debits, transfers and scheduled payments are managed through secure technology. You can still contact us by phone or online, and your personalised budget, debt repayments and savings plan will continue to run as normal so your financial commitments stay on track.

On business days, MyBudget processes multiple payment runs so that transfers and bill payments are made regularly and on time. Currently, we process six payment runs each business day (South Australian time) at 7:45am, 10:15am, 11:45am, 2:15pm, 3:45pm and 4:45pm. This schedule helps ensure that your bills, transfers and payments are managed smoothly as part of your personalised budget.

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MyBudget was founded by Tammy Barton in Australia in 1999. She created MyBudget to help people reduce money stress, get out of debt and build long-term financial security through personalised budgeting support. Today, MyBudget has helped more than 130,000 people and now proudly supports Kiwis through MyBudget New Zealand, bringing the same proven budgeting service and caring Money Coaches to help people across New Zealand achieve their financial goals.

Working at MyBudget means joining a supportive, purpose-driven team that helps Kiwis improve their financial wellbeing. Our culture is caring, collaborative and focused on growth, with training, coaching and development opportunities to help you build a meaningful career.

MyBudget offers career opportunities across client services, finance, technology, marketing and business operations. Whether you’re starting your career or looking to grow into a leadership role, you’ll receive ongoing training, development opportunities and support to build a rewarding career while helping Kiwis improve their financial wellbeing.

MyBudget employees may receive flexible work options, wellbeing initiatives, lifestyle discounts, career development and access to the MyBudget service for themselves and their families. Team members also benefit from a supportive workplace, ongoing training and opportunities to grow professionally while helping Kiwis improve their financial wellbeing.