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.
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...
Alyssa Mates – Newsletter, Third Edition. The power of sitting in silence… Last month I shared something a little different – the practice of grounding, of getting your bare feet on the earth and letting your nervous system breathe. I'd love to know how you went with that. Did you try it? Did it feel strange, or did it feel like coming home?...
I'm going to say it out loud. The rules have changed, the goal posts have moved, and nobody sent you a memo. For the better part of two decades, Australians have operated on a set of financial assumptions that felt as solid as concrete. Work hard, buy property, trust that superannuation does its job, and everything will be fine. That was the plan....
Alyssa Mates – Newsletter, Second Edition. Come back to earth… This month, I want to talk about something a little different. No spreadsheets. No budget categories. Just you, barefoot on the grass – and why that might be the most important thing you do for your finances this week. You may have heard of grounding, also called earthing. It's...
People use these terms like they're interchangeable. Budget coach. Financial advisor. Money coach. Money coaching. Financial coaching. Financial planner. They get thrown around in the same breath, on the same Google search, in the same conversation with a mate who's trying to sort their money out, and nine times out of ten nobody actually stops to...
“𝐈’𝐦 𝐟𝐢𝐧𝐞.” 😌💰
It’s probably one of the most common answers we hear when we ask someone how they’re going financially.
But sometimes “fine” means…
🧮 Doing the maths at 11pm.
💳 Moving money around until payday.
🏦 Using the redraw for groceries.
😬 Saying “I’ll sort it next payday” – again.
🙃 Looking completely fine to everyone else.
Because 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐭𝐫𝐞𝐬𝐬 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐭𝐫𝐞𝐬𝐬.
Sometimes you can have a good job, a nice home, pay your bills and still be quietly drowning in the pressure of making the numbers work.
And in relationships, it can look completely different between two people. One spends for relief. The other tightens everything up. 😣
Neither may be the problem. They may just be responding to the same pressure differently.
𝐓𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐭𝐞𝐥𝐥 𝐮𝐬 𝐰𝐡𝐚𝐭 𝐢𝐬 𝐡𝐚𝐩𝐩𝐞𝐧𝐢𝐧𝐠. 𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐩𝐞𝐫𝐬𝐨𝐧 𝐭𝐞𝐥𝐥𝐬 𝐮𝐬 𝐰𝐡𝐲. ❤️
If “I’m fine” has become your automatic answer, this one is worth a read.
👉 𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐚𝐫𝐭𝐢𝐜𝐥𝐞: yourbudgetmates.com.au/hidden-financial-stress/
#FinanceCoach #MoneyCoach #BudgetCoach #FinancialStress #MoneyStress #YourBudgetMates ...
Hidden Financial Stress: Why 'I'm Fine' Doesn't Mean You Are - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
You say you're fine. But hidden financial stress and anxiety don't always show. Here's how it hides and why reaching out matters.0 CommentsComment on Facebook
Imagine checking your bank account multiple times per day, filled with anxiety.
The thoughts of:
Will there be enough?
Will this payment bounce?
Can we afford groceries this week?
Despite being responsible people on a good income, a misaligned pay cycle caused chaos for the household finances.
Fortnightly + Monthly pay = Predictable disaster every three weeks. Credit card reliance became the norm at the 3 week mark, and financial stress became their constant companion.
Until we changed everything.
Not by telling them to earn more or spend less, but by creating a system that actually worked for their life.
→ Bank accounts structured properly.
→ Weekly spending rhythms established.
→ Buffers built in.
→ Savings automated.
The transformation happened faster than they had expected…
Within months:
• Anxiety GONE.
• Credit card CLOSED.
• Pantry stayed FULL.
• Cars had PETROL.
12 months later:
• $17,000 in savings.
• Complete financial confidence.
This is why we do what we do. This is what brings us pure joy.
Taking someone from stress to thriving. From confusion to clarity. From dependency to independence.
We're change-makers because we believe everyone deserves financial peace. And we're honored to serve people on that journey.
𝐀𝐫𝐞 𝐲𝐨𝐮 𝐫𝐞𝐚𝐝𝐲 𝐟𝐨𝐫 𝐩𝐨𝐬𝐢𝐭𝐢𝐯𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐜𝐡𝐚𝐧𝐠𝐞?
☎️ Book your discovery meeting with us today: www.yourbudgetmates.com.au
𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬
👉 Read their full story here: yourbudgetmates.com.au/from-paycheck-stress-to-financial-confidence-jo-and-ryans-story/ ...
0 CommentsComment on Facebook
Jo and Ryan were stuck in an exhausting cycle. One paid fortnightly, the other monthly. Every month at week 3, they'd run out of money and rely on their credit card. When the monthly pay came in, they'd pay it off in full, only to be short again. Round and round it went.
Ryan checked their bank account multiple times daily, heart racing, wondering if the next payment would bounce.
When we presented our fees, they thought: "How can we afford this?"
Then the game-changer: "How can we NOT afford to do this?"
That question changed everything. 🌟
𝐀𝐟𝐭𝐞𝐫 𝟏𝟐 𝐦𝐨𝐧𝐭𝐡𝐬 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫:
• Credit card paid off and closed (2 weeks ahead of schedule!)
• $17,000 in savings across multiple accounts
• 2 new cars, properly structured without damaging their budget
• Consistent weekly spending that actually works
• Full pantry, full petrol tanks, zero stress
• No more anxiety checking the bank balance
• No more 3-week stress cycle
But you know what we're most proud of?
Jo and Ryan now have the 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞 𝐚𝐧𝐝 𝐭𝐨𝐨𝐥𝐬 𝐭𝐨 𝐦𝐚𝐧𝐚𝐠𝐞 𝐭𝐡𝐞𝐢𝐫 𝐛𝐮𝐝𝐠𝐞𝐭 𝐭𝐡𝐞𝐦𝐬𝐞𝐥𝐯𝐞𝐬. They don't need to keep paying us fees forever, and that's exactly how it should be.
Thank you Jo and Ryan for trusting us with your journey. We're so excited for those international trips and camping adventures ahead! 🏕️✈️
👉 Read their full story here: yourbudgetmates.com.au/from-paycheck-stress-to-financial-confidence-jo-and-ryans-story/
𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬 | 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬
#FinancialWellness #MoneyManagement #FinancialLiteracy #ClientSuccess ...
0 CommentsComment on Facebook
When pay cycles don't align, week three becomes a nightmare:
→ The money runs out.
→ The credit card comes out.
→ The stress builds.
Despite good income and paying off the credit card in full each month, they were trapped.
Paid off the credit card then…
→ Short for the month.
→ Week 3 crisis.
→ Repeat.
Until we stopped the chaos and changed the system.
We created a budget structure that works WEEKLY, not reactively. Regardless of when income arrives, spending is capped at a specific amount every single week, guilt-free—and it's always there.
A Few Months In:
✗ No more three-week stress cycle.
✗ No more multiple daily bank balance checks.
✗ No more wondering if direct debits would bounce.
12 Months Later:
✓ Two new cars (structured properly)
✓ $17,000 in savings
✓ No credit card
✓ Complete confidence to manage their budget independently
This is why we do what we do. Taking someone from stressing to thriving never gets old.
We're not in the business of keeping clients forever. We're in the business of giving people tools so they never need us again.
𝐀𝐫𝐞 𝐲𝐨𝐮 𝐫𝐞𝐚𝐝𝐲 𝐟𝐨𝐫 𝐩𝐨𝐬𝐢𝐭𝐢𝐯𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐜𝐡𝐚𝐧𝐠𝐞?
☎️ Book your discovery meeting with us today: www.yourbudgetmates.com.au
𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬
👉 Read their full story here: yourbudgetmates.com.au/from-paycheck-stress-to-financial-confidence-jo-and-ryans-story/ ...
0 CommentsComment on Facebook