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...













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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That extra $30,000, $50,000, or $100,000 you just added to your mortgage?
That's not just debt. That's ๐ฒ๐๐๐ซ๐ฌ ๐จ๐ ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐๐ญ๐ข๐ซ๐๐ฆ๐๐ง๐ญ.
That's the difference between financial freedom at 65 and still working at 70.
We see it constantly: people in their 20โs, 30โs and 40โs refinancing personal debt into their mortgage, thinking they've solved the problem.
But all they've done is turn short-term debt into 30-year debt.
The easy way now leads to a hard life later. The hard way now leads to an easy life later...
Which one are you choosing?
Your discovery meeting awaits: www.yourbudgetmates.com.au. ...
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๐๐ก๐ข๐๐ก ๐ฉ๐ซ๐จ๐๐ฅ๐๐ฆ๐ฌ ๐๐จ ๐ฒ๐จ๐ฎ ๐๐ก๐จ๐จ๐ฌ๐? ๐๐๐ฌ๐ฒ ๐ง๐จ๐ฐ ๐จ๐ซ ๐๐๐ฌ๐ฒ ๐ฅ๐๐ญ๐๐ซ?
Life will always have problems โ because life ๐ข๐ฌ problems.
The question is: which problems do you choose?
Building new money habits now, or 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.
Ready to stop kicking the can down the road? Book your discovery meeting today: 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 40's? Still there. 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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