MyBudget client stories: what changed, in their own words

Real stories from MyBudget clients — what their money looked like before, and what changed.

Kim & Bob — $28,000 paid off in 13 months

A family of six from Queensland, living on one income. They had $28,000 across 12 debts — credit cards, a tax debt and household bills — and were facing eviction and power disconnection. They had already been declined for consolidation loans elsewhere. Then Bob was diagnosed with cancer.

“We’d tried to get consolidating loans. No one would touch us.” They cleared the $28,000 in 13 months, have since travelled to Vanuatu and New Zealand, bought family cars, and are saving for their first home. They remain clients more than 16 years later.

Michelle & Phil — $40,000 cleared, clients for over a decade

Good incomes, constant stress. “We had plenty of money but were always robbing Peter to pay Paul. It was a constant juggle. We couldn’t see beyond a fortnight.”

$12,000 in credit cards within $40,000 of total debt. MyBudget took over creditor negotiations and built a plan. They have since renovated their home, budgeted for two cruises and a Europe trip, and helped their children with unexpected expenses.

Erin & Adam — from spreadsheets to $70,000 saved

Not in crisis — managing, with spreadsheets and effort. What they lacked was visibility. “It has given us a full picture of our money.” They built a home and saved over $70,000 in under two years.

Megan & Creagh — close to six figures cleared in 12 months

A Sydney couple in their thirties with good jobs and nearly six figures of credit card debt from ordinary day-to-day spending. “It wasn’t big lavish expenses that got us into trouble, it was day to day stuff.” They had tried zero-interest balance transfers, which backfired. With a mapped 12-month budget they turned it around in 12 months.

What the wider client base reports

In MyBudget’s 2026 client survey of 741 respondents, 9 in 10 clients reported less financial stress. Founder and Director Tammy Barton states that 97% of clients’ bills are paid on time. More than 130,000 Australians have used the service since 1999.

Hear more

Client stories also appear on MyBudget TV and the MyMoney MyStory podcast in the Money Hub.

Questions about client stories

Are these real MyBudget client stories?

Yes. Every client story and review featured on this page is based on real MyBudget clients who have shared their experiences. Some stories include videos, while others feature written reviews from platforms such as Trustpilot, ProductReview.com.au and Google. Individual results vary depending on each person’s financial circumstances, goals and commitment to their budget plan.

How has MyBudget helped other Australians?

MyBudget has helped thousands of Australians reduce debt, build savings and take control of their money. Every journey is different, but many clients share how they gained confidence, reduced financial stress and achieved goals they once thought were out of reach through a personalised budget and ongoing support.

Can I find stories from people in a similar financial situation?

Yes. Our client stories feature Australians from a wide range of financial backgrounds, life stages and income levels. Whether you’re managing debt, struggling with the cost of living, saving for a major goal or simply looking for more control over your money, you’ll find stories from people who have faced similar challenges.

Are MyBudget reviews independently verified?

Yes. Reviews displayed on this page include feedback from independent review platforms such as Trustpilot, ProductReview.com.au and Google, alongside client stories shared directly with MyBudget. These reviews reflect genuine customer experiences and opinions.

Will I achieve the same results as the clients featured?

Every financial journey is different. The results shared in our client stories are real, but outcomes depend on your personal circumstances, financial goals and commitment to following your budget. These stories are designed to show what’s possible with the right plan and ongoing support.

How can I start my own MyBudget success story?

It starts with a free budgeting appointment. During your appointment, we’ll learn about your financial situation, discuss your goals and show you how MyBudget can help you reduce debt, build savings and see 12 months ahead. From there, you can decide whether MyBudget is the right fit for you.

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Important information

This page provides general information only. It does not take your personal circumstances into account and is not personal financial advice. For the scope and licensing of a particular service, check the service provider's current disclosures or contact MyBudget.

Client outcomes on this page are individual experiences shared with permission. Results depend on your income, your debts and your circumstances, and are not a prediction of what any other household will achieve.

Call MyBudget on 1300 300 922 for a free, confidential, no-obligation appointment. Your personalised 12-month budget is free and yours to keep.

Browse these pages

• Alternatives to Debt Consolidation: Your Options
• Erin & Adam's Success: Big Goals & Saving $70k
• From financial strain to achieving dream goals: Caroline’s journey with MyBudget
• How MyBudget helped Alyssa & Pete take control of their finances and achieve their financial goals
• How Michelle & Phil Paid Off $40,000 in Debt
• How to get ahead financially: help to get out of debt and save money
• How to Get Out of Debt and Start Saving
• $28K Debt Paid Off in 13 Months
• Single Parent Budget Success: Jenni's Story
• How to get out of debt with a budget: Valerie’s story
• How Bec and Jarrad fast-tracked their financial goals and transformed their finances