Life-Changing Financial Coaching Australia-Wide
We have helped hundreds of Australians to
Helping YOU to discover the amazing possibilities of your financial future,
develop positive financial habits & SMASH your financial goals!
Whether you’re looking to purchase your first home, or wanting to plan for future investment
– we can help provide strategies for all levels of financial situations.
Paid off their debt and secured approval for a new home loan after 6 months on apprentice wages.
Cleared $100,000 in debt in 2 years, and are now saving over $1,000 a week towards their dream of home ownership.
Rekindled their relationship and are now more knowledgeable about their money, have over $30,000 in savings and are on track for future investing.
Are now on the same page of understanding, are able to listen to one another without judgement, and have their first holiday in years
Unlocked their investment property strategy to become debt and mortgage free in their 40’s paving the way for their future investment property journey with the right structure and foundations in place.
Our Clients become BORROWER or INVESTOR READY by gaining clarity on their personal budget and TAKING ACTION.
You are here because you earn good money from your wage or business,
but you are overwhelmed with financial burdens,
and feel you’re not achieving your goals,
or you don’t know where your money is going.
Most of the time, it’s all three.
But that’s ok…
We’re here to help and get you sorted!
You
Are
Here
for a
REASON
Your Reason
Life is hectic, money is tight and the stress is real.
We get it… we have been there too.
THIS IS WHY we’re here. A dedicated finance coach supports you by breaking down your current goals into manageable steps. This finance coaching approach makes us different from the rest.
It’s our holistic approach.
That makes us different from the rest.
But what does this mean to you?
Let's explore this together and get a plan happening.
IMPORTANTLY: We take ZERO financial control away from You.
That is, we EMPOWER you to manage YOUR MONEY.
| Your Budget Mates | Traditional Budget Managers | |
|---|---|---|
| Your Weekly Wage | Stays in your bank account. | Goes into their bank account. |
| Financial Control | You stay in full control of your money, always with our support and a budget to realign your goals. | Zero control, limited education. You outsource everything including your financial responsibility. |
| Your Wellbeing | Your personal wellbeing on financial stress, anxiety, fear and achieving goals is a CORE focus of what we do. | Pure number cruncher factory for their fees. |
Unlike others who take control of your accounts, our money coaching empowers you to manage your own wealth.
Sort your budget, sort your life.
We meet a lot of couples in their late 40's and early 50's who, on paper, are doing everything right. They've got a financial planner. They've got investments ticking along. They've got a super balance they check once or twice a year that they quietly hope is "enough." They sit down for their annual review, nod along to graphs projecting their...
Rewards points, loyalty programs, buy-now-pay-later services, fast food apps, and the latest trend – getting discounts at restaurants and bars by scanning a simple QR code – seem like great perks. Who wouldn’t want $10 off their meal or drinks, right? But have you ever stopped to think about what’s really happening? These seemingly harmless...
We hear a version of this story more often than you'd think. Two people, together a long time. Good people. Not reckless, not careless, just never actually taught how to run a household's money as a team. One of them tends to hold the anxiety – checking the balance, doing the mental maths at night, trying to keep the wheels on. The other tends to...
I've lost count of how many times I've heard a broker say it. "Don't worry, my service is free." Said with a smile. Said with confidence, usually from behind a nice desk, in an office that looks like it costs more to run than most people's mortgages. And technically, they're not lying. You don't pay them a fee out of your pocket. The lender pays...
Ask someone how they're going with money, and almost everyone says the same word. Fine. Not because it's true. Because it's easier than explaining the calculator sessions at 11pm, the redraw that quietly became grocery money, or the "I'll sort it next payday" that's been said for the last six paydays running. That's the part people miss with money...
What would you do if you found yourself debt and mortgage free by your early 40's? No more mortgage repayments. No rent. No other debts. You'd feel rich, right? $800 a week is $41,600 a year of household income you didn't have before. Do you need to invest it? Well, not if you don't want to. You're rich after all… But if you've got 20+ years of...
"𝐈 𝐖𝐢𝐬𝐡 𝐖𝐞'𝐝 𝐃𝐨𝐧𝐞 𝐓𝐡𝐢𝐬 𝐒𝐨𝐨𝐧𝐞𝐫"
Almost every couple says this when they finally sit down with us.
Not because they were broke. Because they stayed in 𝐫𝐞𝐚𝐜𝐭𝐢𝐯𝐞 𝐦𝐨𝐝𝐞 until things got painful.
Reactive living keeps you stuck. Active decisions create options. 💡
The people who take action before hitting rock bottom? They tell us the same thing:
"I wish I'd done this years ago."
The difference isn't circumstances. It's the choice about when to act.
If you're thinking "we should probably do something"... That's your sign.
Ready to get started? Book your discovery meeting with us today: www.yourbudgetmates.com.au ...
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𝐆𝐨𝐭 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧… 𝐛𝐮𝐭 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐞𝐫 𝐧𝐞𝐯𝐞𝐫 𝐚𝐬𝐤𝐞𝐝 𝐭𝐨 𝐬𝐞𝐞 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭? 🤔
Seriously?
How do you build a financial plan for someone without first understanding what their money is actually doing?
How much comes in.
How much goes out.
What gets spent.
What gets wasted.
What gets saved.
What debt is being paid down.
And, perhaps most importantly, 𝐰𝐡𝐚𝐭’𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐥𝐞𝐟𝐭 𝐚𝐭 𝐭𝐡𝐞 𝐞𝐧𝐝 𝐨𝐟 𝐭𝐡𝐞 𝐦𝐨𝐧𝐭𝐡?
A financial plan can look fantastic on paper.
Investments. Super. Insurance. Property. Retirement projections. The whole lot. But if the underlying cashflow doesn’t stack up, you’ve potentially built a very pretty plan on a very shaky foundation.
And this is where we think the humble 𝐛𝐮𝐝𝐠𝐞𝐭 gets seriously overlooked.
Your budget isn't just about cutting back on takeaway coffees and telling yourself you shouldn't have bought those shoes.
It is the 𝐫𝐞𝐚𝐥-𝐰𝐨𝐫𝐥𝐝 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐛𝐞𝐡𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐠𝐫𝐞𝐚𝐭𝐞𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧.
If your financial planner hasn't asked to see your budget or understand your actual cashflow… 𝐌𝐚𝐲𝐛𝐞 𝐭𝐡𝐚𝐭'𝐬 𝐚 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐰𝐨𝐫𝐭𝐡 𝐚𝐬𝐤𝐢𝐧𝐠.
👉 We’ve unpacked exactly what can happen when financial planning is done without a budget.
Read the full article here: yourbudgetmates.com.au/financial-planning-without-a-budget-what-happens/
𝐒𝐨𝐫𝐭 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭. 𝐒𝐨𝐫𝐭 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞.
#FinanceCoach #MoneyCoach #BudgetCoach #FinancialPlanning #YourBudgetMates ...
Financial Planning Without A Budget: What Happens When A Financial Plan Has No Budget To Stand On? - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Got a financial planner but no budget underneath it? Here's what actually happens to your retirement plan – and how to fix it before it's too late.0 CommentsComment on Facebook
𝐋𝐢𝐟𝐞'𝐬 𝐏𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐀𝐫𝐞𝐧'𝐭 𝐆𝐨𝐢𝐧𝐠 𝐀𝐧𝐲𝐰𝐡𝐞𝐫𝐞.
You're just choosing which ones you want.
The problem of building new money habits now? Or the problem of financial stress in retirement?
Saying no to some spending today? Or having no choices tomorrow?
Not choosing is still a choice. And it's usually a choice for harder problems down the track.
Every month you delay is compounding working 𝐚𝐠𝐚𝐢𝐧𝐬𝐭 you instead of for you.
Your window is open right now. But it's closing. ⏳
For your best chances at an amazing retirement, sort your budget now.
Book your discovery meeting with us to learn more: www.yourbudgetmates.com.au ...
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Interesting take away from Tom Panos… ...
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