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...
Seven months.
That's how long it took our clients to go from "we don't want to be mortgage-free" to celebrating complete debt freedom.
๐ก๐ผ๐ ๐ฏ๐ฒ๐ฐ๐ฎ๐๐๐ฒ ๐๐ฒ ๐ฟ๐๐๐ต๐ฒ๐ฑ ๐๐ต๐ฒ๐บ. ๐๐ฒ๐ฐ๐ฎ๐๐๐ฒ ๐๐ฒ ๐ฏ๐๐ถ๐น๐ ๐๐ต๐ฒ๐ถ๐ฟ ๐ฐ๐ผ๐ป๐ณ๐ถ๐ฑ๐ฒ๐ป๐ฐ๐ฒ.
Month 1-2: Showing them the numbers
Month 3-4: Running scenarios (when they finally saw it)
Month 5: Decision made to sell
Month 7: $830,500 auction, debt-free
Every month mattered. Every conversation built on the last. Every scenario showed them something new.
๐ง๐ต๐ฎ๐'๐ ๐๐๐ฟ๐ฎ๐๐ฒ๐ด๐ถ๐ฐ ๐๐ฟ๐ฎ๐ป๐๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป.
Not overnight fixes. Not quick hacks. Just consistent, strategic work that builds toward freedom.
We achieved our own debt and mortgage freedom in 2022 at 39 years old. We know this journey takes time. We know how to walk beside you for as long as it takes.
๐ช๐ต๐ฎ๐ ๐ฐ๐ผ๐๐น๐ฑ ๐๐ฒ๐๐ฒ๐ป ๐บ๐ผ๐ป๐๐ต๐ ๐ผ๐ณ ๐๐๐ฟ๐ฎ๐๐ฒ๐ด๐ถ๐ฐ ๐๐ผ๐ฟ๐ธ ๐๐ป๐น๐ผ๐ฐ๐ธ ๐ณ๐ผ๐ฟ ๐ฌ๐ข๐จ?
๐ Book your discovery meeting: www.yourbudgetmates.com.au
๐ Read the seven-month transformation: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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Not everyone gets how a budget is supposed to work. But when you have the right tools in place it becomes simple, easy and fun - this is what we teach you.
Over the years we have helped accountants, mortgage brokers, commercial bank managers all to thrive in their household budgets - transitioning them from chaos to a life of structure.
It's important to note that we help all people - not just those in finance. But those in finance? You would expect them to be the 'expert' in their fields, and whilst they are - so many just don't know how a budget works. It's shocking.
Be careful when following the 'experts'. This is Katy Gallagher, Australiaโs Minister for Finance, a position she has held since May 2022.
Clearly no idea how a budget works!
When working with budget 'experts' please work with those that get you, that you know, like and trust. Those that know how it's done (have done it time and time again) and have a track record of success.
Don't take budget advice from people who have not achieved the goals that you want to achieve for yourself. That goes for us too.
Always challenge your experts - make sure they are the right fit, that they know what they are doing. If you can't have tough conversations with your team you have the wrong team. ... See MoreSee Less
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And having a budget that allows you to do this is masteryโฆ ... See MoreSee Less
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Our client had a decision to make.
Keep their investment property or sell it.
๐ช๐ฒ ๐ด๐ฎ๐๐ฒ ๐๐ต๐ฒ๐บ ๐ฏ๐ผ๐๐ต ๐ผ๐ฝ๐๐ถ๐ผ๐ป๐. ๐๐๐น๐น๐ ๐บ๐ผ๐ฑ๐ฒ๐น๐ฒ๐ฑ. ๐๐ผ๐บ๐ฝ๐น๐ฒ๐๐ฒ ๐๐ถ๐๐ต ๐ป๐๐บ๐ฏ๐ฒ๐ฟ๐.
Not "you should do this." Just "here's what each path looks like."
Path 1: Keep the property. Fixed rate expires February 2026. Cashflow gets crushed. Continue treading water.
Path 2: Sell the property. Clear the home loan. Protect the family home. Restart from strength.
๐ง๐ต๐ฒ๐ ๐ฐ๐ต๐ผ๐๐ฒ ๐ฃ๐ฎ๐๐ต ๐ฎ.
Seven months later: Completely debt-free. $830,500 auction result. Their 40's unlocked for real wealth building.
This is what strategic planning looks like. Not pushing our agenda. Showing you the options and letting YOU choose with complete clarity.
After 9 years, we know that the best decisions are the ones YOU make with full visibility. Our job is to give you that visibility.
๐ฅ๐ฒ๐ฎ๐ฑ๐ ๐๐ผ ๐๐ฒ๐ฒ ๐ฌ๐ข๐จ๐ฅ ๐ผ๐ฝ๐๐ถ๐ผ๐ป๐ ๐๐ถ๐๐ต ๐ฐ๐ผ๐บ๐ฝ๐น๐ฒ๐๐ฒ ๐ฐ๐น๐ฎ๐ฟ๐ถ๐๐?
๐ Book your discovery meeting: www.yourbudgetmates.com.au
๐ Read the decision-making story: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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