No matter how bad your financial situation is, Just Budget has the tools to get you back on track and in control.
Drowning in credit card debt? Just Budget can negotiate with creditors, lower interest rates, consolidate multiple repayments, and stop debt collector calls - helping you take back control of your finances.
Struggling with personal loan repayments? We’ll help you create a clear budgeting plan, reduce interest, and negotiate with lenders to make repayments more affordable—so you can stress less and focus on your future.
Managing business debt shouldn’t slow you down. Just Budget consolidates multiple loans into one simple repayment, negotiates better terms with creditors, and helps you keep your business moving forward.
| Name | Monthly Repayments Before Just Budget | NEW Monthly Payments |
|---|---|---|
| Iris | $5,462.81 | $3,000 |
| Kristen | $7,771.41 | $3,000 |
| Allan | $3,116.65 | $2,000 |
| Flynn | $4,215.48 | $1,000.00 |
| Joshua | $3,620.62 | $1,100 |
| Ronda | $1,648.79 | $450.00 |
| Christopher | $2,734.72 | $800.00 |
| Toriann | $2,442.31 | $240.00 |
| Gabrielle | $1,220.07 | $800.00 |
| Dillon | $2,556.47 | $700.00 |
The figures in this table are from genuine client outcomes. The selections were taken at random and are not intended to represent or guarantee that other clients will achieve the same or similar outcomes. Each result is dependent on a range of factors.
From the above examples, we were able to achieve an average monthly repayment reduction of 67%.
With over 30 years of financial expertise, Just Budget has the tools to help you become debt-free. Find out how a Debt Management plan works:
This helps us understand what you can afford so you can get the best financial assistance possible.
This will be on your terms, based on what you can afford. You will only pay us moving forward.
With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!
To pay off debt with no money, start with a realistic budget covering essential expenses like rent, bills, and groceries. Just Budget’s free planner helps identify where you can save and align your income with spending.
If your total debt feels overwhelming, you can let Just Budget negotiate with creditors on your behalf. We create a Debt Relief Plan tailored to your situation, making repayments affordable and manageable.
Curbing unnecessary spending and exploring ways to increase income, like taking extra shifts or side hustles, can also help. Our goal is to reduce stress, prevent further debt, and protect your credit.
If you don’t pay a debt, your account may go to collections, hurting your credit score. This could lead to court action, wage garnishments, and harassment from debt collectors. An impaired credit score can result in higher interest rates, difficulty obtaining loans, and potential job or rental rejections.
Just Budget works to prevent these outcomes by negotiating with creditors to reduce interest, consolidate payments, and create a manageable repayment plan. While you still need to repay the debt, we simplify the process and help you regain control of your finances.
The primary problem facing Australians is having multiple debts that need to be paid at different times of the month, making managing debt very confusing.
Our most popular solution is an informal debt arrangement, where we negotiate with creditors, ensure payments are made on time, and consolidate them into one easy repayment to Just Budget.
Some debt companies push formal Part 9 Debt Agreements, which can be necessary in extreme cases but should be a last resort. These agreements have strict regulations, impact your credit, and fall under the Bankruptcy Act.
Explore your options by applying online or using our free Budget Planner to start regaining financial control.
If you qualify, you could receive financial assistance within 24 hours, and you could start enjoying the benefits immediately.
Just Budget Pty Ltd is a debt management specialist. Our primary goal is to remove the pressure from our clients and help Australians take back control of their finances.
With budgeting tools, debt reduction and debt mediation, we offer the full package to organise and reduce your debts.
