Life Without

Debt Stress

We get it. It's so easy to get into debt, but tricky to climb out. Just budget are experts in getting you back on track.

Free yourself from debt stress

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Is Money Is Stressing You Out?

Just Budget Help people just like you!

We Love Solving Debt Problems

Just Budget have a strong history and well-rounded background, helping Australians just like you, by providing expert guidance in times of need. During periods of uncertainty, it is important to receive the right support. From our wide range of services, to our 30 years of debt management experience, Just Budget is here to lend you a helping hand. 

Just Budget can help you with budgeting, managing debt, debt negotiation and debt consolidation. We have developed and fine tuned a range of services to suit almost any financial situation. Our team of debt experts have changed thousands of Australian lives. If you are struggling, Just Budget can provide answers. 

When you experience financial hardship, it might seem easy to hide away, but it's important to remember that we can help you find that light at the end of the tunnel.

Just Budget Debt Management System

Complete Budget Planner

Our budget planner will help you establish what you can afford to pay your creditors based on your current circumstances.

Authority To Act Form

So we can stop the harassing phone calls and letters of demand, you can authorise us to take over negotiations with your creditors.

We Negotiate on Your Behalf

Just Budget will contact your creditors and negotiate on the balance, interest and repayments on your behalf.

We Manage your payments

Just Budget will manage all the payments to your creditors to ensure payments are on time, every time so you don’t need to worry.

Got Questions? We Have Answers!

Yes! This is a time when Australians need solid, sound and reliable advice and assistance in debt relief. Our compassionate and caring support team will continue throughout the entirety of this outbreak. During COVID19 lockdowns our staff were equipped with home office work stations. Each employee has had a work station fitted within their home, so we can work as effectively as normal if further lockdowns occur. Each work station is directly linked to our secure server based in our main office. All your data is safely stored on this secure private server. Currently our staff are back in the office utilising COVID-safe work practises.

The Just Budget team are available to support and help you through the current financial crisis facing many Australians. If you are concerned, or would like to keep up to date with COVID-19 benefits that you may be entitled to, then you can find reliable Federal Government situation updates here.

For financial payment assistance during the crisis, please visit the Federal Government’s dedicated COVID-19 support page.

Just Budget was founded by financial specialists who understand the complexities of debt management. We are here to offer debt relief strategies and financial assistance. Our experts can help you to regain control of your budget and as a result, achieve your financial goals, short and long term. Our products and services are geared towards looking for the best workable solution to your debt problems. Our aim is to help you to get out of debt, and if possible, avoid it altogether! We offer budgeting tools, financial assistance and a wide range of services. Consequently, we are well suited to help with almost any debt issue. Remember, many people struggle with debt and there are always solutions. Our financial support team can guide you through to becoming debt-free.

First and foremost, we are here for you. Our aim is to care for you and support you in any way that we can. Offering debt relief, Just Budget is able to provide unique budgeting plans and tailored assistance to suit each individual. If we can help you to keep on track with your money, while meeting your financial goals and reducing stress, then we know we have done a good job. Life is short and there are a lot of things to worry about, but we believe that money doesn’t need to be one of them. This is why we are here, to provide you with a pathway to avoid worrying about your finances again.

As well as helping with budgets and offering general financial assistance, we provide a wide range of services to suit you. Our Debt Management, Consolidation, Negotiation and Agreement services each help you to manage debt in different ways. On top of this, our Credit Support service provides you with the opportunity to wipe your slate clean and get your credit history repaired. Our business and personal loans can also provide you with the financial support you need.

Most people find themselves tied up in debt at some point in their life. The important thing is doing something about it. Whether it be simple budgeting or financial planning that you need, or more, we are here to help. If you need your money managing, then we can act as the wall between yourself and your creditors. We can consolidate your debts into one so you no longer owe multiple debts at random times of each month. You then pay us one single amount and we deal with the creditors. This way, you can be sure that your bills will be paid on time and you can organise your money more easily with just one payment. In addition, what’s best of all about our service is that in some cases, we can even negotiate your debt so that you end up paying less than previously!

Just Budget has specialists who can contact your creditors on your behalf to try to get a better deal for you. We can negotiate your interest rate, repayment amount or even reduce your overall debt. We can help you set up an informal debt arrangement with your creditors, at a rate you can afford, giving you room to breathe again.

Not only can we help you to take control of your finances, we can also save you money, and time! Setting budgets can provide a clear vision of how to meet your targets. Consolidating your debt can save you money by fixing your interest-rates into one smaller rate. On top of all this, you can even save time by not having to deal with those pesky creditors. Just Budget provide debt relief to help you. We hope to teach you to be better with money so that you make the right financial decisions for the rest of your life.

While we can help to put you back in control of your finances, we are not financial advisors. We will never give you financial advice. We offer guidance and recommendations in relation to your budget and repayments, but we do not give you advice on what to do with or where to put your money. Just Budget are here to offer caring financial support and help you to find financial solutions, but not for financial advice. If you require financial advice then you should seek the services of a financial counsellor or advisor.

If it is appropriate to you financial situation, Just Budget can offer debt consolidation loans. We have lending partners who offer a variety of loans, including loans to consolidate debt. This means you put all your high-interest debts like credit cards, car finance and store cards into one loan with one monthly repayment, one interest rate (usually lower) and only one loan fee. This solution is not suitable for all people in debt, so we would assess this when we discuss your options. 

Bankruptcy is a drastic measure which has serious long term implications for your credit rating and future borrowing ability, so should be avoided unless you have exhausted all other possibilities. Before you consider this option you could look into an informal debt arrangement or a Part 9 Debt Agreement.

Your privacy and security is our number one priority. Our system is utilises the latest SSL certificates on our secure internal servers to keep all of our client data private. Our consultants are not legally allowed to discuss or share any client details with anybody else and any personal details unrelated to your case will not be stored. We have been operating for over 30 years, and in this time we have not had any security breaches. We are constantly reviewing these protocols to ensure your data is safe.

Your data is also protected by the National Consumer Credit Protection Act 2009, regulated by ASIC.

Our security protocols are the same as those of other reputable financial institutions.

Enquiring with Just Budget does not affect your credit file and will not impact your credit score. In fact, Just Budget’s debt management system can help to preserve your credit history. Call Just Budget today for a free no credit check consultation.

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