Alyssa Mates | Newsletter Fourth Edition – Walk To The Water.
Alyssa Mates โ Newsletter, Fourth Edition. Walk to the waterโฆ We've been on a bit of a journey together these past couple of months โ feet on the earth, eyes in the morning light, sitting in silence. This month I want to take you somewhere even better. I want to take you to the beach. There is something that happens when you walk along the...













Refinancing that debt into your mortgage may feel like relief today.
But you just turned $30k, $50k, $100k of short-term debt into ๐๐-๐ฒ๐๐๐ซ ๐๐๐๐ญ.
And now your biggest asset is your biggest liability.
After nearly 10 years coaching Australians, we've seen this pattern destroy retirements.
The hard truth? You have an overspending problem. And it needs fixing ๐๐๐.
Hard work today = financial freedom at 65.
Easy path today = still working at 70.
Which path are you choosing?
Get clear on your budget and stop overspending today.
Book your discovery meeting with us to learn more: www.yourbudgetmates.com.au ...
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Following yesterday's RBA rate announcement, there's more pressure on small business right now than there's been in a long time.
Mortgage rates have risen. Council rates have risen. Insurance, electricity, fuel, software, suppliers, wages, and just about everything else involved in running a business have gone up too.
And we're not watching this from the outside.
We help clients work through rising costs, mortgages, debt and cashflow pressure every single day. But we're living in the same economic environment ourselves. The business has costs. The household has costs. Both need to work, at the same time, in the same market everyone else is in right now.
That's exactly why we believe so strongly in what we do. When money gets tighter, having a plan for your cashflow isn't a luxury. It's what lets you actually see what's happening, make decisions from clarity instead of panic, and stay in control instead of just hoping next month is easier.
We're a small business too. We've got a family, bills, rising costs, and a future we're building the same way our clients are.
To every client and every professional who's supported Your Budget Mates, booked with us, referred someone, recommended us, shared a post, sent a message, or just cheered us on quietly from the sidelines: thank you. Genuinely.
Every bit of that support is the reason we're still doing this work, and still proud of it.
And here's the part worth sitting with.
If we don't support small business through periods like this, some of them simply won't be here when things ease up.
So yes, shop around. Compare. Make good financial decisions. We'd never tell you not to.
But if you value what a small business gives you, support it. Recommend it. Use it.
Because we'd love to still be here helping you sort your budget, sort your cashflow, and sort your life for a lot of years yet. But we can't do it without your support...
Thank you for supporting us. โค๏ธ ...
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๐๐ก๐ ๐๐จ๐ฌ๐ญ ๐จ๐ "๐๐๐ฌ๐ฒ ๐ง๐จ๐ฐโฆโ
Ignoring your spending habits might make you comfortable for today. But could be devastating for your retirement.
Staying in reactive mode? Itโs easy nowโฆ but brutal later.
Every year of unclear spending is another year further from freedom.
We've seen it hundreds of times: people waiting until it's too late. Saying "I wish I'd done something sooner."
Your window is open right now. But it's closing. โณ
Easy now or easy later? You're choosing one either way.
Want to get your finances sorted? Book your discovery meeting with us to learn more: www.yourbudgetmates.com.au ...
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๐๐ก๐ ๐๐๐ฌ๐ฒ ๐ฐ๐๐ฒ ๐ญ๐จ ๐ ๐ก๐๐ซ๐ ๐ฅ๐ข๐๐ ๐ข๐ฌ ๐๐จ๐ข๐ง๐ ๐ง๐จ๐ญ๐ก๐ข๐ง๐ .
You're 68. Still renting. Landlord just gave notice. Pension barely covers the basics. Every bill brings anxiety. Can't afford to stop working. The financial stress from your 40s? Still here. Only now you have fewer options and less energy.
๐๐ก๐ข๐ฌ ๐ข๐ฌ ๐ฐ๐ก๐๐ญ "๐๐๐ฌ๐ฒ ๐ง๐จ๐ฐ" ๐๐๐ญ๐ฎ๐๐ฅ๐ฅ๐ฒ ๐๐จ๐ฌ๐ญ๐ฌ.
Refinancing that debt into your mortgage? Feels like relief today. But you just turned $30k, $50k, $100k of short-term debt into 30-year debt. Your biggest asset is now your biggest liability.
Ignoring your spending habits? Comfortable today. Devastating at retirement.
Staying in reactive mode? Easy now. Brutal later.
๐๐ข๐๐'๐ฌ ๐ฉ๐ซ๐จ๐๐ฅ๐๐ฆ๐ฌ ๐๐ซ๐๐ง'๐ญ ๐ ๐จ๐ข๐ง๐ ๐๐ง๐ฒ๐ฐ๐ก๐๐ซ๐. ๐๐จ๐ฎ'๐ซ๐ ๐ฃ๐ฎ๐ฌ๐ญ ๐๐ก๐จ๐จ๐ฌ๐ข๐ง๐ ๐ฐ๐ก๐ข๐๐ก ๐จ๐ง๐๐ฌ ๐ฒ๐จ๐ฎ ๐ฐ๐๐ง๐ญ.
After nearly 10 years coaching Australians, we've seen it hundreds of times: people waiting until it's too late. Saying "I wish I'd done something sooner."
๐๐จ๐ฎ๐ซ ๐ฐ๐ข๐ง๐๐จ๐ฐ ๐ข๐ฌ ๐จ๐ฉ๐๐ง ๐ซ๐ข๐ ๐ก๐ญ ๐ง๐จ๐ฐ. ๐๐ฎ๐ญ ๐ข๐ญ'๐ฌ ๐๐ฅ๐จ๐ฌ๐ข๐ง๐ .
Every month you delay is compounding working against you. Every year of unclear spending is another year further from freedom.
๐๐จ๐ฎ๐ซ ๐๐ฎ๐ญ๐ฎ๐ซ๐ ๐ฌ๐๐ฅ๐ ๐ข๐ฌ ๐๐จ๐ฎ๐ง๐ญ๐ข๐ง๐ ๐จ๐ง ๐ฒ๐จ๐ฎ. ๐๐จ๐ง'๐ญ ๐ฅ๐๐ญ ๐ญ๐ก๐๐ฆ ๐๐จ๐ฐ๐ง.
๐ Read more: yourbudgetmates.com.au/the-easy-way-to-a-hard-life/ ...
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