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What do we do?

What just budget to to help everyday australians

Caring financial guidance

Just Budget offers caring financial support and personalised money management for Australians facing or living in financial hardship. Just Budget is here to listening and advise at a time when you need it most. Assessing your current situation, we aim to provide sensible, workable financial guidance and tailor debt management plans to suit your needs.

We know things can get tough when it comes to personal finance, but remember: you are not alone in this struggle. If you are experiencing difficult making payments on your loans, give the budgeting help team at Just Budget a call to get started on your debt relief plan today.

Know Your Rights 

  • Your creditors are NOT allowed to ignore you and your struggles
  • Your creditors MUST try and help you overcome your debts
  • Just Budget can help you get back in financial control.
Did you know?

What Is Debt Management?

Debt management means you are not alone. Debt management is the act of managing your finances through personal budgeting and a well formulated debt management plan (DMP). This kind of plan is put into place to help people decrease and eliminate their existing and future debts.

The team at Just Budget will work with you to help you manage your debts with no obligations, expertly tailoring a plan to suit you. We aim to take the pressure of your creditors away and to give you a sense of debt relief.

You are not alone

You Are Not Alone, We Are Here To Help

Debt management is the act of managing your finances through personal budgeting and a well formulated debt management plan (DMP). A debt management plan is put into place to help people decrease and eliminate their existing and future debts and get on top of their finances moving forward.

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Informal Debt Arrangements

If you currently have debt and want to negotiate with your creditors, we may be able to help. An informal debt arrangement is a plan where we help negotiate with your creditors, develop a sustainable plan and help you manage your payments. Perfect if you don't quality for a debt consolidation loan.

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Debt Consolidation, One Affordable Payment

If you owe money all over the place, debt consolidation might be for you. Debt consolidation puts all your repayments into one easy-to-manage loan. Our loan specialists can assess and renegotiate your bad debts to reducing interest and take away stress involved in balancing multiple repayments.

Credit advocacy

Debt Agreements

If you can get a debt consolidation loan, and an informal debt arrangement isn't sustainable for you, you can opt for a formal debt agreement or a Part IX. This is a last resort and is an alternative to bankruptcy, but it will affects your credit score down the track.

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Personal Loans

We understand that a variety of situations can arise, leaving you without the funds you need. Just Budget will do what they can help you get a personal loan, regardless of good credit, poor credit or bad credit. We look at your ability to service the loan, not just your credit score.

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Business Loans

Running a business can get very difficult when you need the finance to cover wages, tax or simply expand, especially in uncertain times. Just Budget helps business owners just like you to secure commercial loans quickly and easily with our practical, flexible and caring approach to lending.

From Our Blog

Financial help during coronavirus crisis
coronavirus

Financial help during Coronavirus (COVID-19) in Australia

This is a very worrying time for Australians, whether in you are employed, self-employed, in business or have been laid off. The plus side is that the Federal Government has many options for you during the coronavirus (COVI19 pandemic. There are also many options for you to manage your debt at this time.

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