In theory it sounds great albeit expensive if you are completely useless of your money and need someone else to take full control.
Appears to be $1500 start up and $30 per week?

We've been using them for 3 years. We've had no problems but we're going out on our own in the next month or so. They've served their purpose

I have heard mixed reviews from friends but I haven’t used them myself

There are other companies that do the same, and charge less.

I have not used it, maybe it depends on who you get? My SIL works there and she is an honest, intelligent and hardworking person who does the best for her customers. She also gets a lot of satisfaction helping people. She doesn’t get paid a lot, so maybe you are all correct in saying the owner of the company gets paid but my SIL doesn’t and she really does help people who can’t help themselves.

They basically take all your money and pay your bills for you. It works as you can't over spend but they charge an exorbitant fee to do so. It only a good idea to use my budget if you are terrible with money.

Tammy Barton is worth millions and there is a reason why that is. Fees are huge and they try and get you in rubbish Part 9 debt agreements.

Avoid these morons like the plague.

Google and watch Dave Ramsey and his 7 baby steps. It's American but applies to Australia too.

First Have a stable roof over your head. get current on utility bills, rent and other essentials to ensure your 4 walls are safe. Have food on the table and petrol in your car.


Baby Step 1: Save $1,000. for Your Starter Emergency Fund.

Baby Step 2: Pay Off All Debt. (Except the House) Using the Debt Snowball.

Baby Step 3: Save 3–6 Months. of Expenses in a Fully Funded Emergency fund

Baby Step 4: Invest 15% towards retirement.

Baby Step 5: Save for Your childrens education.

Baby Step 6: Pay Off Your Home Early.

Baby Step 7: Build Wealth and Give.

He has lots of vids on YouTube to watch.

They are crooks

Ive heard they charge a lot.

Yes, they overcharge for a limited service. You are better off seeing a financial councillor who can set the same thing up for you without the fees. Look at anglicare for help with financial help.