Alyssa Mates | Newsletter Fourth Edition – Walk To The Water.
Alyssa Mates – Newsletter, Fourth Edition. Walk to the water… We've been on a bit of a journey together these past couple of months – 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...













That extra $30,000, $50,000, or $100,000 you just added to your mortgage?
That's not just debt. That's 𝐲𝐞𝐚𝐫𝐬 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭.
That's the difference between financial freedom at 65 and still working at 70.
We see it constantly: people in their 20’s, 30’s and 40’s 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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𝐖𝐡𝐢𝐜𝐡 𝐩𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐝𝐨 𝐲𝐨𝐮 𝐜𝐡𝐨𝐨𝐬𝐞? 𝐄𝐚𝐬𝐲 𝐧𝐨𝐰 𝐨𝐫 𝐞𝐚𝐬𝐲 𝐥𝐚𝐭𝐞𝐫?
Life will always have problems — because life 𝐢𝐬 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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𝐓𝐡𝐞 𝐞𝐚𝐬𝐲 𝐰𝐚𝐲 𝐭𝐨 𝐚 𝐡𝐚𝐫𝐝 𝐥𝐢𝐟𝐞 𝐢𝐬 𝐝𝐨𝐢𝐧𝐠 𝐧𝐨𝐭𝐡𝐢𝐧𝐠.
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.
𝐓𝐡𝐢𝐬 𝐢𝐬 𝐰𝐡𝐚𝐭 "𝐞𝐚𝐬𝐲 𝐧𝐨𝐰" 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐜𝐨𝐬𝐭𝐬.
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.
𝐋𝐢𝐟𝐞'𝐬 𝐩𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐚𝐫𝐞𝐧'𝐭 𝐠𝐨𝐢𝐧𝐠 𝐚𝐧𝐲𝐰𝐡𝐞𝐫𝐞. 𝐘𝐨𝐮'𝐫𝐞 𝐣𝐮𝐬𝐭 𝐜𝐡𝐨𝐨𝐬𝐢𝐧𝐠 𝐰𝐡𝐢𝐜𝐡 𝐨𝐧𝐞𝐬 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭.
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."
𝐘𝐨𝐮𝐫 𝐰𝐢𝐧𝐝𝐨𝐰 𝐢𝐬 𝐨𝐩𝐞𝐧 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰. 𝐁𝐮𝐭 𝐢𝐭'𝐬 𝐜𝐥𝐨𝐬𝐢𝐧𝐠.
Every month you delay is compounding working against you. Every year of unclear spending is another year further from freedom.
𝐘𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐬𝐞𝐥𝐟 𝐢𝐬 𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐨𝐧 𝐲𝐨𝐮. 𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐭𝐡𝐞𝐦 𝐝𝐨𝐰𝐧.
👉 Read more: yourbudgetmates.com.au/the-easy-way-to-a-hard-life/ ...
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Think about yourself 10 years from now.
What would that version of you want you to do today?
Keep overspending because it feels good in the moment?
Ignore the debt because facing it is uncomfortable?
Or step up and do the hard work now so they can have options later?
Your future self is counting on you to make the choice they'll thank you for.
Don't retire broke. The choices you make today matter more than you know…
Book your discovery meeting with us today to learn more: www.yourbudgetmates.com.au ...
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