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 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. 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, ourย 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 โ getting discounts at restaurants and bars by scanning a simple QR code โ seem like great perks. Who wouldnโt want $10 off their meal or drinks, right? But have you ever stopped to think about whatโs 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 โ 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 allโฆ But if you've got 20+ years of...
"I'm terrible with money."
"I'll never be able to save."
"I'll start when things calm down."
That's not truth. That's just a record playing.
An old song you've been listening to for so long you think it's reality.
Every client who's worked with us thatโs gone on to clear tens of thousands in debt, bought their first home, built genuine savings?
They all started by deciding to play a ๐ง๐๐ฐ ๐ซ๐๐๐จ๐ซ๐.
It's not intelligence. Not income. Not luck.
It's stepping back into your power and deciding to take action.
Same life. Different choice. ๐
Ready to take action? Book your discovery meeting with us 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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"๐ ๐๐ข๐ฌ๐ก ๐๐'๐ ๐๐จ๐ง๐ ๐๐ก๐ข๐ฌ ๐๐จ๐จ๐ง๐๐ซ"
Almost every couple says this when they finally sit down with us.
Not because they were broke. Because they stayed in ๐ซ๐๐๐๐ญ๐ข๐ฏ๐ ๐ฆ๐จ๐๐ until things got painful.
Reactive living keeps you stuck. Active decisions create options. ๐ก
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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๐๐จ๐ญ ๐ ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฉ๐ฅ๐๐งโฆ ๐๐ฎ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฉ๐ฅ๐๐ง๐ง๐๐ซ ๐ง๐๐ฏ๐๐ซ ๐๐ฌ๐ค๐๐ ๐ญ๐จ ๐ฌ๐๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐ฎ๐๐ ๐๐ญ? ๐ค
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, ๐ฐ๐ก๐๐ญโ๐ฌ ๐๐๐ญ๐ฎ๐๐ฅ๐ฅ๐ฒ ๐ฅ๐๐๐ญ ๐๐ญ ๐ญ๐ก๐ ๐๐ง๐ ๐จ๐ ๐ญ๐ก๐ ๐ฆ๐จ๐ง๐ญ๐ก?
A financial plan can look fantastic on paper.
Investments. Super. Insurance. Property. Retirement projections. The whole lot. But if the underlying cashflow doesnโt stack up, youโve potentially built a very pretty plan on a very shaky foundation.
And this is where we think the humble ๐๐ฎ๐๐ ๐๐ญ 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 ๐ซ๐๐๐ฅ-๐ฐ๐จ๐ซ๐ฅ๐ ๐ง๐ฎ๐ฆ๐๐๐ซ๐ฌ ๐๐๐ก๐ข๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐ ๐ซ๐๐๐ญ๐๐ซ ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฉ๐ฅ๐๐ง.
If your financial planner hasn't asked to see your budget or understand your actual cashflowโฆ ๐๐๐ฒ๐๐ ๐ญ๐ก๐๐ญ'๐ฌ ๐ ๐ช๐ฎ๐๐ฌ๐ญ๐ข๐จ๐ง ๐ฐ๐จ๐ซ๐ญ๐ก ๐๐ฌ๐ค๐ข๐ง๐ .
๐ Weโve 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/
๐๐จ๐ซ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐๐ฎ๐๐ ๐๐ญ. ๐๐จ๐ซ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐ฅ๐ข๐๐.
#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 โ and how to fix it before it's too late.0 CommentsComment on Facebook