Seriously… Are you ready for
We have helped hundreds of Australians to manage their money effectively, achieve their Financial Goals, Reduce Debt and Gain Confidence, Clarity and Control of their money goals.
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 40โs 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 to support you by breaking down your current financial goals into manageable steps to help you achieve them.
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 | Other '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. |
My, My, My…. What A Big (and Important) Difference!
Are you stuck in the "Child" stage of money management, or have you achieved true "Mastery"? Most Australians earn well but watch their money disappear due to impulsive habits. In this article, we break down the three levels of financial maturity and show you exactly how to transition from reactive spending to intentional, resilient choice. Stop...
The 'tap' thatโs bleeding you dry. ๐ธ Why physical cash is still the ultimate tool for budget accountability in 2026. Stop the invisible erosion of your wallet! #BudgetHacks #SaveMoney
Most Australians receive financial advice in "silos"โwhere brokers, accountants, and planners rarely coordinate. Greta and Jason were "ticking all the boxes" but remained stuck in debt. Discover how a holistic, connected strategy helped them clear their mortgage entirely in their early 40s by aligning their professionals toward one unified life...
Many Australians in their 20s, 30s, and 40s choose "easy" financial habits todayโsuch as overspending or refinancing personal debt into 30-year mortgagesโonly to face a "hard" retirement. By shifting from reactive to proactive money management, individuals can secure a debt-free retirement, avoid the "renting at 70" crisis, and build lasting...
Earning good money but stuck in a credit card cycle? Discover how Jo and Ryan went from financial stress to clarity, savings and confidence in just 12 months with a Your Budget Mates 12-month plan. #FinancialGoals
When most people hear the word "budget," they cringe. They think of spreadsheets. Restrictions. Being told what they can and can't spend. Boring meetings about numbers. Apps that track every coffee purchase. Someone else controlling their money. That's not what we do. If you're looking for someone to take control of your money, pay your bills for...
March 2025: "We don't want to be mortgage-free. We want investment properties."
December 2025: Completely debt-free in their early 40s. $830,500 auction result. Zero mortgage.
Zero consumer debt.
๐ช๐ต๐ฎ๐ ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ฑ?
We showed them what they couldn't see.
Their investment property looked good โ positively geared, low rate, growing in value. But their owner-occupied loan was bleeding them dry. More debt. No tax benefit. Fixed rate about to explode their cashflow in February 2026.
We mapped it out. We ran the numbers. We showed them the crush point that was coming.
๐๐ป๐ฑ ๐๐ต๐ฒ๐ป ๐๐ฒ ๐ด๐ฎ๐๐ฒ ๐๐ต๐ฒ๐บ ๐ฎ ๐ฐ๐ต๐ผ๐ถ๐ฐ๐ฒ.
Not our agenda. Not what we thought they "should" do. Just clarity on what staying looked like versus what selling could unlock.
They chose freedom. We built the strategy to get there.
Seven months later, our clients are standing in a completely different financial position. No debt. Full control. Their family home protected. Their future unlocked.
๐ง๐ต๐ถ๐ ๐ถ๐ ๐๐ต๐ฎ๐ ๐๐๐ฟ๐ฎ๐๐ฒ๐ด๐ถ๐ฐ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ฝ๐น๐ฎ๐ป๐ป๐ถ๐ป๐ด ๐ฎ๐ฐ๐๐๐ฎ๐น๐น๐ ๐น๐ผ๐ผ๐ธ๐ ๐น๐ถ๐ธ๐ฒ.
Not spreadsheets and restriction. Clarity. Confidence. Life-changing decisions backed by real numbers.
That's what we do. That's what we've been doing for 9 years. That's what separates us from budget apps and generic advice.
๐ช๐ฒ'๐๐ฒ ๐๐ฎ๐น๐ธ๐ฒ๐ฑ ๐๐ต๐ถ๐ ๐ฝ๐ฎ๐๐ต ๐ผ๐๐ฟ๐๐ฒ๐น๐๐ฒ๐โ๐ฑ๐ฒ๐ฏ๐-๐ณ๐ฟ๐ฒ๐ฒ ๐ฎ๐ป๐ฑ ๐บ๐ผ๐ฟ๐๐ด๐ฎ๐ด๐ฒ-๐ณ๐ฟ๐ฒ๐ฒ. ๐ก๐ผ๐ ๐๐ฒ ๐ต๐ฒ๐น๐ฝ ๐ผ๐๐ต๐ฒ๐ฟ๐ ๐ฑ๐ผ ๐๐ต๐ฒ ๐๐ฎ๐บ๐ฒ.
When you know the numbers, you control the outcome.
Ready to see what's possible for your financial future?
๐ Book your discovery meeting today: www.yourbudgetmates.com.au
๐ Read the full success story: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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๐๐ฟ๐ฒ ๐๐ผ๐ ๐๐๐๐ฐ๐ธ ๐ถ๐ป ๐๐ต๐ฒ ๐ฟ๐ฒ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ฒ ๐ฐ๐๐ฐ๐น๐ฒ? ๐
Refinance to clear debt. Feel relief. A few years pass. More debt appears. Refinance again. Repeat.
Sound familiar?
Refinancing without fixing your spending habits is like mopping up water while the tap's still running. You can work harder, move faster, get a bigger mop โ but until you turn off the tap, you're just going to keep mopping forever.
We get it. Refinancing feels like the solution. Lower payments. Breathing room. Problem solved... except it's not. You've just moved the problem and made it bigger.
๐ง๐ต๐ฒ ๐ด๐ผ๐ผ๐ฑ ๐ป๐ฒ๐๐? When refinancing is paired with the right strategy, it actually works.
We help families break free from the refinance cycle with personalized budget plans that fit YOUR life, YOUR income, and YOUR goals. Not restrictive. Not deprivating. Just real strategies that help you:
โ Get crystal clear on where your money actually goes
โ Make confident spending decisions (without the guilt)
โ Reduce debt strategically while still enjoying life
โ Build toward mortgage freedom, not further away from it
You don't have to choose between living well today and securing your future. You can do both โ with the right plan.
Ready to stop refinancing your problems and start solving them?
โ๏ธ Book your discovery meeting with us today: www.yourbudgetmates.com.au
๐ Read more: yourbudgetmates.com.au/refinancing-debt-youre-turning-your-biggest-asset-into-your-biggest-liabil...
๐ฌ๐ผ๐๐ฟ ๐๐๐ฑ๐ด๐ฒ๐ ๐ ๐ฎ๐๐ฒ๐: ๐๐ถ๐ณ๐ฒ-๐๐ต๐ฎ๐ป๐ด๐ถ๐ป๐ด ๐๐๐ฑ๐ด๐ฒ๐๐ถ๐ป๐ด ๐ณ๐ผ๐ฟ ๐๐ผ๐ฎ๐น ๐ฆ๐ฒ๐๐๐ฒ๐ฟ๐. ... See MoreSee Less
Refinancing Debt: You're Turning Your Biggest Asset Into Your Biggest Liability - Your Budget Mates
yourbudgetmates.com.au
Stop refinancing your problems. Learn how personalised budget strategies create real debt reduction and mortgage freedom.0 CommentsComment on Facebook
2026 is going to pass either way.
365 days will tick by whether you use them wisely or waste them.
The only question is whether you'll end it celebrating your progress or making the same excuses you made last January.
"I'll start next month."
"Things are too crazy right now."
"I just need to get through this first."
Sound familiar?
Those are the same things you said last year. And look where that got you.
This year, try something different.
Start now. Commit fully. Follow through completely.
And see what happens when you actually give yourself a chance to succeed.
www.yourbudgetmates.com.au
๐ฆ๐๐ผ๐ฝ ๐ฝ๐ฟ๐ผ๐ฐ๐ฟ๐ฎ๐๐๐ถ๐ป๐ฎ๐๐ถ๐ป๐ด, ๐๐ผ๐ฟ๐ ๐๐ผ๐๐ฟ ๐ฏ๐ฒ๐๐ ๐น๐ถ๐ณ๐ฒ โ ๐ก๐ข๐ช! ... See MoreSee Less
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Today, our national day of celebration, we celebrate what makes this country great. The opportunities. The lifestyle. The fair go.
But here's a question...
Are you actually living the Australian dream you deserve?
Or are you stuck in a cycle of paycheck to paycheck, debt stress, and money worries that rob you of enjoying the life this country offers?
Because financial freedom is part of the Aussie dream too.
Being able to take the kids to the beach without stressing about the cost. Firing up the barbie without checking your balance first. Actually enjoying your long weekend instead of worrying about bills.
That's what we all deserve.
But it doesn't happen by accident. It happens by design.
So today, while you're celebrating everything that makes Australia great, ask yourself...
What would financial freedom give YOU back?
What would your life look like without the constant money stress?
And what are you willing to do to make that your reality in 2026?
This is YOUR year. YOUR country. YOUR opportunity.
Make it count.
www.yourbudgetmates.com.au
๐๐ฎ๐ฝ๐ฝ๐ ๐๐๐๐๐ฟ๐ฎ๐น๐ถ๐ฎ ๐๐ฎ๐! ... See MoreSee Less
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