Our 6-step plan to a positive financial future
1. We'll work through your budget with you
Utilising our free online budget calculator, we are able to work through your monthly budget with you to determine how much you have left over each month.
We look at your:
- Income
- Expenses
- Debts
This helps our team of 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
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 of time, your repayments could be paused.
This is done on your behalf, so you can relax while we do the hard work.
All we’ll need from you is a couple of signatures along the way!
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
We’ve helped to change thousands of Aussies’ lives for the better.
The benefits include:
- Lower monthly debt repayments that you can afford
- Just 1 repayment to cover all of your creditors
- No more harassment from creditors
- More money left over each month
- Improved credit score (if you keep to your repayment plan responsibly)
- Less stress
- Feel in control of your finances.
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
We never want you to feel alone again. Just Budget will be by your side every step of the way. We are always here for you if you ever have any questions or concerns.
Our support involves:
- Checking in regularly to see how you are coping and make adjustments to your plan if necessary.
- Providing access to our online client portal, where support, information and transparency are at your fingertips at all times.
- (view your upcoming repayments, see your full repayment history, learn how much debt is left to pay off, understand how much you save each month, find the answers to your questions and more).
- Always having 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, as opposed to how you felt before when you were being harassed and stressed out by your creditors.
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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We can help with debts from the following companies:
(and more...!)
Are you struggling to get by?
- 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?