--- title: Kat now debt free after building disaster! description: Cat was left with a building debt. Used a Debt Agreement to get debt free image: https://www.beyonddebt.com.au/hubfs/My%20project%20%282%29.jpg --- ![Top bar image](https://www.beyonddebt.com.au/hubfs/Assets%202019/Top%20bar%20image.jpg "Top bar image") ###### ![](https://www.beyonddebt.com.au/hubfs/Assets%202019/Tv.svg)Did you see us on TV? - [Click Here](https://www.beyonddebt.com.au/debt-help) ![Close](https://www.beyonddebt.com.au/hubfs/Assets%202019/Close.svg "Close") [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20black.png?width=560&height=128&name=Beyond%20Debt%20black.png "Logo")](https://www.beyonddebt.com.au) [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20white.png?width=560&height=128&name=Beyond%20Debt%20white.png "Logo")](https://www.beyonddebt.com.au) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)**1300 284 091**](tel:1300%20284%20091) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) [![Free Consultation](https://no-cache.hubspot.com/cta/default/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a) #### [1300 284 091](tel:1300%20284%20091) - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) [## How to Get Out of Debt in 2026: The Australian's Step-by-Step Guide (And Free Budget Planner) ](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) [Read Article](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) - ###### [Handle Money](https://www.beyonddebt.com.au/blog/topic/handle-money) # [Kat now debt free after building disaster!](https://www.beyonddebt.com.au/blog/cat-now-debt-free-after-building-disaster) - ###### Ben Paris - ###### 28 Mar 2022 ###### LATEST ARTICLES - Handle Money [Back to blog](https://www.beyonddebt.com.au/blog) - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fcat-now-debt-free-after-building-disaster) - [**](https://www.twitter.com/share?url=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fcat-now-debt-free-after-building-disaster) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://www.beyonddebt.com.au/blog/cat-now-debt-free-after-building-disaster) **Could you tell us a little about yourself?** I'm a married Allied Health Assistant and I have 3 grandchildren. **Could you talk a little bit about getting the debt?** I did some home renovation and the builder kept asking for more money to complete the renovations. I used personal loans and credit cards to pay the builder.  It went bad and in the end we had to change the locks to keep him out. We ended up pursuing a civil case against the builder but we could not afford to take it further and had to drop the case. **Did you try to clear the debt before working with us?** I tried but I just couldn't clear it and it got on top of me. I decided I needed to get debt free, to do this for myself and start over and learn from my mistakes  **How did you stay motivated?** I stayed motivated by knowing I would be debt free if I just kept going. I could see progress. **What have you learned along the way?** I have learned to budget and not overspend. I get quotes and signed contracts!  I would be more cautious with dealing with builders and research before committing  **What advice would you give to people with debt who don’t see a way of getting debt free?** I would advise anyone to have a chat with Beyond Debt as they are very helpful and give you a piece of mind **Is there anything you going to do now your debt-free that you couldn't before?** I can pay cash up front for everything and not use credit! **Do you have any final words of wisdom for the readers?** Beyond Debt were my savior. I didn't know how I was going to get out of my situation. I am so grateful and I even paid out my agreement early. It feels real good to know that I only have my mortgage to pay! ###### Ready to become debt free? #### Take the first step to a debt free future [Ready to become debt free?](https://info.beyonddebt.com.au/request-a-consultation) ### You might find these interesting - ##### [Handle Money](https://www.beyonddebt.com.au/blog/topic/handle-money) ## [Financial Abuse](https://www.beyonddebt.com.au/blog/financial-abuse) - ###### Ben Paris - ###### 08 Sep 2022 - ##### [Handle Money](https://www.beyonddebt.com.au/blog/topic/handle-money) ## [Things that will NOT save you money!](https://www.beyonddebt.com.au/blog/things-that-will-not-save-you-money) - ###### Ben Paris - ###### 29 Jun 2022 - ##### [Handle Money](https://www.beyonddebt.com.au/blog/topic/handle-money) ## [Top 10 Missed Tax Deductions](https://www.beyonddebt.com.au/blog/top-10-missed-tax-deductions) - ###### Ben Paris - ###### 03 Jun 2022 - [Personal Finance Basics (126)](https://www.beyonddebt.com.au/blog/tag/personal-finance-basics) - [Handle Money (100)](https://www.beyonddebt.com.au/blog/tag/handle-money) - [Everyday Expenses (61)](https://www.beyonddebt.com.au/blog/tag/everyday-expenses) - [Affordable Living (50)](https://www.beyonddebt.com.au/blog/tag/affordable-living) - [Build Savings (33)](https://www.beyonddebt.com.au/blog/tag/build-savings) ## Ready to become debt free? #### Speak with one of our specialists to start your future [![About Beyond Debt](https://no-cache.hubspot.com/cta/default/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2) [![Get Help](https://no-cache.hubspot.com/cta/default/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) - ![Family-Owned-transparent-300x158](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Family-Owned-transparent-300x158.png?width=115&name=Family-Owned-transparent-300x158.png) - ![pipa_logo_transparent_300w_100h](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/pipa_logo_transparent_300w_100h.png?width=151&name=pipa_logo_transparent_300w_100h.png) - ![Feefo](https://www.beyonddebt.com.au/hs-fs/hubfs/Feefo.png?width=115&name=Feefo.png) ##### Debt Help ##### Company ##### Resources Beyond Debt is a trading name of DCS Group Aust Pty Ltd. 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