Start your journey to Become Debt-Free

  • Got more than $4k of debt?
  • Are your pockets empty each week?
  • Do you feel harassed by your Creditors?

Just Budget is an emerging leader in Debt Management

The Benefits of a Just Budget Debt Relief Plan

1 in 4 Australians are facing financial stress - you are not alone

Lower monthly repayment

Your total repayments could reduce by up to 80% per month based on what YOU can afford.

Debt Waivering Service

In some cases, your debt could be wiped altogether. Yep you read it right...

100% debt-free pathway

We'll put you on track to becoming 100% debt-free by the end of your new plan.

Protection from creditors

After signing, you will only communicate with Just Budget moving forwards.

Improved credit score

Honour your new agreement & your credit score will increase by the end of your plan.

Just 1 repayment

You will only have 1 repayment to keep on top of, on your terms. You choose the frequency.

Free Budget planner

Included in our service, you'll be provided with a FREE comprehensive budgeting plan.

Transparent Everything

We're different to all the rest, literally. What you see is what you get. No hidden fees.

Constant Dedicated Support

Our specialist team of case managers are always on hand to support you.

Our 6-step plan to a positive financial future

1. We'll Work Through Your Budget With You

1. We'll work through your budget with you

We will work through your monthly budget using our free online budget calculator to determine how much you have left over each month.

We look at your:

  • Income
  • Expenses
  • Debts

This helps our specialists build a case with your creditors to re-negotiate your current repayments.

2. We Will Re-Negotiate A New Repayment Plan With Your Creditors

2. We will Re-negotiate a new repayment plan with your creditors

After working out what you can afford to repay each month, our debt negotiation experts will get to work with your creditors.

We will:

  • Highlight how much money you currently have left over each month.
  • Propose a new repayment plan that you can afford, on your terms.
  • It can take up to 30 days for creditors to accept our proposal. During this period, your repayments could be paused.

This is done on your behalf, so you can relax while we do the hard work.

3. Your New Repayment Plan Begins

3. Your new repayment plan begins

Once approved, your new repayment plan will be 100% managed by Just Budget.

This means that:

  • You will be on a tailored repayment plan that you can afford.
  • You will be protected by Just Budget through the course of your new repayment plan, meaning that creditors can no longer contact you directly.
  • You will only make repayments to Just Budget while under our debt relief plan.

Our goal is to help you to feel at ease with your debts and to take the stress away.

4. Enjoy The Benefits

4. Enjoy the Benefits

We’ve helped to change thousands of Aussies’ lives for the better.

The benefits include:

  • 100% clear, debt-free pathway
  • Lower monthly debt repayments that you can afford
  • Just 1 repayment to cover all of your debts
  • No more harassment from creditors
  • More money left over each month
  • Improved credit score (if you keep to your repayment plan responsibly)
  • Less financial stress & more control
  • Constant, dedicated support from our case managers

With our help, you can finally feel the heavy weight of debt lifted from your shoulders and begin to smile again.

5. Regular Check-Ups

5. Regular check-ups

Never feel alone again. Just Budget will be by your side every step of the way.

Our support involves:

  • Checking in regularly to see how you are coping and make adjustments to your plan if necessary.
  • Always have a caring member of the Just Budget team on hand to talk to you if you need anything.
  • Don’t worry if tragedy strikes and your financial situation changes, we’re adaptable and are here to help.

Feel comforted, reassured and cared for, rather than feeling harassed and stressed out by your creditors like before.

6. Enjoy A Positive Financial Future

6. Enjoy a positive financial future

Thanks to Just Budget, you can feel positive again with money left over each month and a clear light at the end of the tunnel towards a debt-free future.

Look towards a future where you:

  • Are debt-free
  • Have your finances under control
  • Have a better understanding of how to budget
  • Potentially have an improved credit score

A positive, stress-free financial future is not as far out of reach as you might think…

What our customers say


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Still not convinced?

Find out more about how Just Budget could help you to become debt-free here:

It’s important to never over-compensate with how much debt you take on. If it’s too late and any of the below points apply to you then it’s important to get in touch:

  • Do you have payday advances that are hard to keep on top of?
  • Do you have credit cards that are at or over their limit?
  • Do you just pay the minimum balance each month on credit cards?
  • Are you struggling to make your income stretch to pay your debts?
  • Do you have little or no money left over at the end of each month?
  • Are your money worries keeping you up at night?
  • Do you avoid answering your phone because it may be a debt collector?
  • Do you have many debts that you struggle to control?
  • Do you want to find a way out but just can’t see how?

If you are struggling to make repayments on your credit accounts then our team of experienced financial specialists could help to negotiate with your creditors and develop a debt management plan that is affordable for you.

Here are some of the ways that Just Budget can help:

  • We could contact your creditors on your behalf and negotiate on your interest rate, repayment amount, or in some cases even reduce your overall debt.
  • We could help you to set up an informal debt arrangement with your creditors, at a rate you can afford.
  • We could help you to manage your multiple personal loans so you don’t have to deal with harassing creditors anymore and can afford to pay your debts off with a lower repayment plan on your terms.
  • We will work with you to develop a tailored repayment plan that is right for you and your circumstances.
  • We could provide you with free financial support and budget planning.

Here are some of the reasons why you should choose Just Budget to help you with your financial hardship:

  • We are experts in debt negotiation. We have a team of experienced financial specialists who know how to negotiate with creditors to get you the best possible deal.
  • We are on your side. We are not working for your creditors, we are working for you. We will always put your interests first.
  • We are affordable. We offer our services on a sliding scale, so you only pay what you can afford.
  • We are confidential. We keep all of your information confidential and we will never share it with anyone without your permission.

If you request financial hardship help, Just Budget will assess your situation to determine the best arrangement.

In some cases, we may deem it unlikely for creditors to accept a hardship plan and therefore you may not qualify for an informal debt arrangement.

This is not to say that you may still not be able to receive financial support in another way. You may qualify for a Part IX Debt Agreement which our affiliate, Debt Fix Pty Ltd could help with.

Reasons why creditors could reject an Informal Debt Arrangement:

  • They doubt your ability to meet your debt repayment even with reduced payments
  • They suspect you’re not truly facing financial hardship but prioritising non-essential spending over your credit repayments.
  • Your income is simply too low
  • You have high gambling expenses