MyMoney Hub: a podcast powered by MyBudget

Thinking about debt consolidation to simplify your finances? In this episode, our hosts unpack MyBudget's guide to debt consolidation, exploring how it works, when it can be an effective solution, and when another approach may be a better fit.They break down the different ways debt consolidation can work, including consolidating multiple repayments into one loan, the benefits and potential drawbacks, and the common mistakes Australians make when trying to manage debt on their own. Our hosts also discuss the key questions you should ask before applying for a debt consolidation loan, and why it's important to address the underlying causes of debt, not just the repayments.The episode explores alternative debt solutions too, including hardship arrangements, budgeting support, refinancing, and other options that may better suit your financial circumstances. Along the way, our hosts explain how MyBudget helps Australians understand all of their options, create a realistic 12-month financial plan, and work towards becoming debt free with confidence.They also highlight the free resources linked in the article, including debt guides, personal budget templates, calculators, and practical tools designed to help you understand your debt, compare your options, and build a clear path towards financial freedom.👉 Visit mybudget.com.au to read the full article, access the free tools, and discover how MyBudget helps Australians reduce debt, lower financial stress, and regain control of their finances.📞 Need help understanding your debt options? Speak with one of our expert Money Coaches on 1300 300 922.

Waiting for your tax return to give your finances a boost? In this episode, our hosts unpack Tammy Barton's latest MyBudget article, exploring why lasting financial progress is more likely to come from everyday money habits than a once-a-year tax refund.They break down Tammy's five practical money moves to help you reset your finances for the year ahead, including reviewing where your money really went, checking in on your financial wellbeing, finding one expense to reduce, building an emergency fund, and setting one clear financial goal.Our hosts also discuss why consistent habits create more lasting results than relying on a single financial windfall, and share insights from MyBudget's latest client research on reducing financial stress, improving sleep, and building long-term financial confidence through better planning.Along the way, they highlight the free resources linked in the article, including MyBudget’s Personal Budget Template, Get a Better Deal Checklist, Savings Goal Calculator, and Goal Setting Template, all designed to help you put these money moves into action.👉 Visit mybudget.com.au to read the full article, access the free tools, and see how MyBudget helps Australians build better money habits, reduce financial stress, and plan confidently for the next 12 months.📞 Need help getting your finances back on track? Enquire online or speak with one of our expert Money Coaches on 1300 300 922.

Considering a Part 9 debt agreement because your debts feel unmanageable? In this episode, our hosts unpack MyBudget’s guide to Part 9 debt agreements, explaining how they work, who may be eligible, and the long-term consequences to understand before making a commitment.They explore the difference between a Part 9 debt agreement, debt consolidation, informal hardship arrangements, structured budgeting support, and bankruptcy. Our hosts also discuss how formal debt agreements can affect your credit score, rental applications, employment options, refinancing, and your permanent listing on the National Personal Insolvency Index.The episode also breaks down MyBudget’s debt solution roadmap, helping listeners understand why the least restrictive option that can successfully resolve the problem is often worth exploring first. From contacting lenders and seeking financial counselling to building a structured 12-month budget, our hosts share practical ways to assess the full picture before moving into formal insolvency.They also highlight the free resources linked in the article, including the 10 Steps to Get Out of Debt eBook, personal budget templates, calculators, and practical debt guides designed to help you understand your options and map out a realistic way forward.👉 Visit mybudget.com.au to read the full article, download the free debt guide, access the free tools, and see how MyBudget helps Australians explore their debt options before committing to formal insolvency.

Does your electricity bill seem to jump every winter? In this episode, our hosts unpack MyBudget's guide to saving electricity and reducing your energy bill, sharing practical ways to stay warm without blowing your household budget.They discuss why electricity bills increase during winter, the biggest energy users around the home, and simple changes that can make a real difference to your power bill. From heating your home more efficiently and reducing hot water usage to switching to LED lighting and making the most of off-peak electricity rates, our hosts share the key takeaways that can help you lower your energy costs without sacrificing comfort.They also explore what to do if you're struggling to pay your electricity bill, including hardship programs, payment plans, concessions, and why looking at your overall household budget, rather than just one bill, can make a lasting difference.Along the way, they highlight the free resources linked in the article, including the Energy Saving Checklist, personal budget templates, budgeting tools, and practical guides designed to help Australians reduce household expenses and stay on top of rising living costs.👉 Visit mybudget.com.au to read the full article, download the free Energy Saving Checklist, access the free tools, and discover how MyBudget helps Australians & New Zealanders reduce money stress and stay ahead of household bills.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922 or if you are in New Zealand 09 849 6285.

Do you ever check your bank balance, see money sitting there, then wonder where it all went a few days later? In this episode, our hosts unpack Tammy Barton's latest MyBudget article, revealing why your bank balance isn't always the best indicator of what you can actually afford to spend.They explore the difference between your current balance and your real available balance, why so many Australians run out of money before payday, and how a lack of forward visibility, not a lack of discipline, is often the real problem. Our hosts also discuss Tammy's practical approach to calculating your true "safe-to-spend" money, helping you make confident spending decisions without second-guessing every purchase.Along the way, they explain how MyBudget's unique 12-month budgeting approach gives clients a genuine available balance by accounting for bills, savings, debt repayments, and future expenses before money is spent. It's a simple shift in thinking that can reduce financial stress and help you feel back in control of your finances.They also highlight the free resources linked in the article, including personal budget templates, budgeting tools, calculators, and practical guides designed to help you understand your cash flow and make smarter financial decisions.👉 Visit mybudget.com.au to read the full article, access the free tools, and discover how MyBudget helps Australians confidently understand what they can safely spend.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Ever look at your bank account and wonder where all your money went? If you're struggling to stop spending, we hear you.In this episode, our hosts unpack MyBudget's blog on how to stop spending money, exploring the habits, triggers, and behaviours that can quietly derail even the best financial intentions. From impulse purchases and emotional spending to lifestyle creep and online shopping temptations, they discuss why overspending happens and the practical strategies that can help you take back control.Our hosts share key takeaways from the blog, including how to identify your spending triggers, build healthier money habits, and create a realistic budget that supports your financial goals without making you feel restricted. They also explain how small, consistent changes can have a big impact on your long-term financial wellbeing.They also highlight the free resources linked in the blog, including personal budget templates, savings calculators, downloadable guides, and practical tools designed to help you spend more intentionally, save more money, and build lasting financial confidence.👉 Visit mybudget.com.au to read the full blog, access the free tools, and see how MyBudget helps Australians reduce money stress and take control of their finances.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Credit card balance transfers can sound like the perfect solution, low interest, breathing room, and a faster way out of debt. But do they actually work, or can they leave you in a worse financial position?In this episode, our hosts unpack MyBudget’s blog on credit card balance transfers, breaking down how they work, the risks to watch out for, and whether they genuinely help Australians reduce debt faster.They discuss common mistakes people make when transferring balances, the hidden traps behind introductory offers, and why balance transfers only work when they’re paired with a realistic budget and repayment plan. Our hosts also share practical takeaways from the blog, including how to avoid accumulating more debt while trying to pay off existing balances.Along the way, they explain how MyBudget helps Australians take control of credit card debt, manage repayments, and reduce financial stress through personalised budgeting support and long-term financial planning.They also highlight the free resources linked in the blog, including budgeting tools, debt guides, calculators, and personal budget templates designed to help Australians better manage credit card debt and make informed financial decisions.👉 Visit mybudget.com.au to read the full blog, access the free tools, and see how MyBudget helps Australians reduce debt and regain control of their finances.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Feeling like your pay cheque disappears the moment it hits your bank account? In this episode, our hosts unpack MyBudget’s blog on the rising cost of living in Australia, sharing practical strategies to help households reduce financial pressure and regain control of their money.They break down why everyday expenses feel harder to manage right now, from groceries and electricity to rent, insurance, and interest rates. Our hosts also discuss key takeaways from the blog, including budgeting strategies, reducing unnecessary spending, prioritising essential expenses, and finding realistic ways to get ahead financially without sacrificing everything you enjoy.Along the way, they explain how MyBudget helps Australians create personalised budget plans, stay on top of bills, and build long-term financial confidence, even during tough economic periods.They also highlight the free resources linked in the blog, including budgeting tools, savings calculators, downloadable guides, and personal budget templates designed to help Australians better manage rising living costs and reduce money stress.👉 Visit mybudget.com.au to read the full blog, access the free tools, and see how MyBudget helps Australians take control of their finances and get ahead during the cost of living crunch.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Struggling to keep up with your bills? In this episode, our hosts unpack MyBudget’s blog on what to do when you can’t pay your bills, sharing practical strategies to help you take back control before financial stress spirals further. They break down the first steps to take when money gets tight, including how to prioritise essential expenses, approach creditors early, understand financial hardship options, and avoid common traps like relying on credit cards, payday loans, or buy now pay later to stay afloat.Our hosts also discuss key takeaways from the blog, including why protecting your credit score matters, how a personal budget can help you regain visibility over your finances, and the real story of how one Australian family turned overwhelming debt into financial stability.They also highlight the free resources linked in the blog, including personal budget templates, downloadable guides, calculators, and practical tools designed to help you organise your finances and make confident next steps.👉 Visit mybudget.com.au to read the full blog, access the free tools, and see how MyBudget helps Australians reduce money stress, manage bills, and take back control of their finances.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Buy now pay later feels easy in the moment, but what does it actually mean for your credit score? In this episode, our hosts unpack the MyBudget article on Afterpay and other BNPL services, breaking down how they work and what impact they can have on your financial future.They explore why BNPL has become so popular, the common misconceptions around credit scores, and the risks that often get overlooked. Our hosts share key takeaways from the blog, including how missed payments, multiple accounts, and overuse can affect your financial position, and what to watch out for if you’re relying on BNPL to get by.They also highlight the free resources linked in the article, including budgeting tools, debt guides, and personal budget templates that can help you stay in control, reduce reliance on credit, and build a stronger financial foundation.👉 Visit mybudget.com.au to read the full article, access the free tools, and see how MyBudget helps Australians reduce money stress and take control of their finances.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Talking about money in a relationship can feel uncomfortable, but avoiding it often leads to bigger problems. In this episode, our hosts unpack the MyBudget blog on how to talk about money without conflict, sharing practical ways couples can communicate more openly and stay on the same page financially.They break down why money can be such an emotional topic, common triggers that lead to arguments, and simple strategies to approach conversations with clarity and confidence. Our hosts also share key takeaways from the blog, including how to set shared financial goals, navigate different spending habits, and build trust through better communication.Along the way, they highlight the free resources linked in the blog, including budgeting tools, downloadable guides, and personal budget templates that can help couples take the pressure out of money conversations and turn them into positive, productive discussions.👉 Visit mybudget.com.au to read the full blog, access the free tools, and see how MyBudget helps Australians reduce money stress and take control of their finances together.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Are small subscriptions quietly draining your bank account? In this episode, our hosts unpack the MyBudget blog on subscription creep and how those seemingly harmless monthly charges can slowly add up and sabotage your budget.They discuss how subscription creep happens, why it’s so easy to overlook recurring payments, and the simple steps you can take to regain control of your spending. Along the way, our hosts highlight key takeaways from the blog, including practical ways to review your subscriptions, cancel what you no longer need, and redirect that money towards your savings goals.They also point listeners to the free resources linked in the blog, including budgeting tools, downloadable checklists, and personal budget templates designed to help you identify hidden spending and take back control of your finances.👉 Visit mybudget.com.au to read the full blog, access the free tools, and learn how MyBudget helps Australians reduce money stress and make the most of every dollar.📞 Need financial relief right now? Speak with one of our expert Money Coaches on 1300 300 922.

School fees are one of the biggest recurring expenses for Australian families, yet they can feel like they come around quickly each year.In this episode, our hosts unpack MyBudget’s guide to budgeting for school fees, covering the real difference between public and private school costs, how much to set aside each month, and how to turn school fees into a consistent savings habit instead of a financial scramble.They also explore what to do if fees feel unmanageable, including practical budgeting strategies, government assistance options, and how structured money management can ensure funds are ready when invoices arrive.👉 Visit the MyBudget Money Hub to read the full article, access our Personal Budget Template and explore practical money tools designed to reduce money stress and improve financial stability.📞 Need help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Is $1 million enough to retire comfortably in Australia? In this updated episode, our hosts unpack MyBudget’s latest retirement article, looking at how much super Australians may need in 2026 and what the latest retirement benchmarks actually mean in real life.They explore the latest ASFA retirement figures, how much income a comfortable retirement may require, and why two people with the same super balance can still have very different outcomes depending on housing costs, health, debt, travel plans, retirement age, and how long their savings need to last.Our hosts also break down the key superannuation changes from 1 July 2026, including payday super and the higher concessional contributions cap, plus practical steps Australians can take if their super balance is below the suggested benchmarks.They also highlight the free resources linked in the article, including MyBudget’s Personal Budget Template and practical budgeting tools designed to help you understand your cash flow, reduce debt, and create more room for long-term financial goals.👉 Visit the MyBudget Money Hub to read the full article, explore practical money tools and learn how MyBudget helps Australians reduce money stress, stay on top of bills and plan for their financial future.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922 or enquire online.

Looking for rent relief? Our hosts unpack MyBudget’s guide to asking for a rent reduction, explaining when it makes sense to negotiate, when it may backfire, and what landlords are legally required to do.They cover common scenarios where renters may have stronger grounds, including lease renewals, unresolved repairs and safety issues, and explain how to approach your landlord or property manager calmly and in writing. The episode also touches on how budgeting and early planning can help reduce rental stress and protect your tenancy.👉 Visit the MyBudget Money Hub to read the full article, explore practical money tools and learn how MyBudget helps Australians reduce money stress, stay on top of bills and plan for their financial future.📞 Need financial help right now? Speak with one of our expert Money Coaches on 1300 300 922.

Looking for extra income? Our hosts unpack MyBudget’s Top 25 side hustles, sharing key highlights, favourite picks, and honest insights into which side gigs are genuinely worth your time. From flexible online work to creative projects, they explore how a side hustle can strengthen your budget and support your long-term financial goals.They also break down the free resources linked in the blog, including savings calculators and personal budget templates, designed to help you turn extra income into real, measurable progress.👉 Visit the MyBudget Money Hub to read the full blog, download the free money tools, and see how MyBudget helps Australians get out of debt, start saving and reach their financial goals.📞 Need financial help right now? Speak with one of our expert Money Coaches today on 1300 300 922.