The Difference is
But There is REAL Work to Do
Discover more self-reliance and self-responsibility in yourself
Restore financial trust in your relationships
Make savings a habit… not a struggle
Become ‘Borrower and Investor Ready’
Build a future based on Financial Freedom
Live life YOUR way – on YOUR terms
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!
Words can't describe the last 12 months with Andrew & Alyssa... But my house can!Georgia & Brayden - Clients 2023
We coach, educate and create a judgement-free financial foundation where blame, guilt and stress are replaced with clarity, calm and confidence.
Control your money without providing education on how to take ownership of your own money (based on our clients who have used their services).
Doesn’t provide budget advice or cashflow counselling. Their role is to find you the best loan for you at a set point in time – depending on your credit score, savings capacity, and ability to demonstrate loan affordability.
Can provide budget advie and cashflow counselling, however most do not, and prefer to help with just your investments. Financial planners will review your supernanuation, investments and insurances to cover any unforseen events, and help with growing future wealth.
Are your go-to for end of financial year tax returns, business structure setups, tax minimisation and positioning, business budgeting and growth strategies. They will not provide personal budget advice or cashflow counselling.
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...
Four years ago, you refinanced. Consolidated $30,000 of personal debt into your home loan. New balance: $450,000. Problem solved. Life moved on. Last year you're back at the broker's office. Another $50,000 of personal debt needs fixing. Another refinance to clear debt, and while you’re at it fund your next holiday. New balance: $550,000. Problem...
Fast forward to January 2026. Past the noise of the silly season... just you, in January, a new year. A new reset. A new opportunity to begin again... Happy New year! Every January, people set big financial goals – pay off debt, save more, buy their first home, stop stressing about money. But by mid-year, most are right back where they started....
It’s not every day that one of your clients becomes 100% debt and mortgage free, especially in their early 40’s. We are proud to say that we have recently assisted in this experience for one of our couple clients and it was phenomenal. We planted a seed when Greta and Jason started working with us in March 2025 with a simple question. How would...
I recently had a mortgage broker reach out to me with serious concerns about their client. Here's the pattern they had witnessed: 2021: Refinanced client's personal debts into home loan. New balance: $450,000. 2024: Refinanced client's personal debts into home loan again. New balance: $550,000. October 2025: Client has more personal debt that needs...
You're Here For A Reason: Maybe it's the sleepless nights worrying about money. Maybe it's another argument with your partner about spending. Maybe it's the sinking feeling every time you check your bank balance, or the shame of being declined for a loan you desperately needed. Whatever brought you to this moment, you've felt it. That pain. That...
You don't accidentally eliminate debt.
You don't magically build savings.
You don't drift into financial freedom.
It only happens when you have three things: a system, a plan, and accountability.
Not motivation. Not "trying harder." Not good intentions.
A SYSTEM that works when motivation fades.
A PLAN that's specific and achievable.
ACCOUNTABILITY that keeps you moving when life gets hard.
Because here's what nobody talks about...
January motivation lasts about 3 weeks. Maybe 4 if you're lucky.
But a system? That lasts forever.
So, stop chasing the feeling of motivation and start building the structure that actually changes your life.
www.yourbudgetmates.com.au
𝗪𝗵𝗮𝘁’𝘀 𝘆𝗼𝘂𝗿 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘂𝗰𝗰𝗲𝘀𝘀 𝗶𝗻 𝟮𝟬𝟮𝟲? ... See MoreSee Less
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Every month you wait is another month of lost opportunity.
Lost savings. Lost progress. Lost momentum toward the life you actually want.
January sets the tone for your entire year. The decisions you make right now – or the decisions you avoid making – will determine whether December 2026 is a celebration or another year of "I wish I had..."
So let me ask you something...
What's stopping you from starting today?
Not next week. Not next month. Today.
Because the truth is, there will always be a reason to wait. Always be something "more important." Always be an excuse that sounds reasonable.
But your future self? The one living in December 2026?
They're watching what you do right now.
www.yourbudgetmates.com.au
𝗗𝗼𝗻’𝘁 𝗹𝗲𝘁 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝘆𝗲𝗮𝗿 𝘀𝗹𝗶𝗽 𝗮𝘄𝗮𝘆… ... See MoreSee Less
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𝗛𝗼𝘄 𝗺𝗮𝗻𝘆 𝗺𝗼𝗿𝗲 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿𝘀 𝘄𝗶𝗹𝗹 𝘆𝗼𝘂 𝘄𝗮𝘀𝘁𝗲?
2026 doesn’t care about your excuses. It doesn’t care that you “tried” last year or that life got busy. If you keep doing the same thing you’ve always done then December 2026 will look exactly like December 2025.
Painful, right? That feeling when you check your bank balance… or when you realize another year has passed without progress.
That’s the cost of inaction.
You say you’ll start next month. You say you’ll save “someday.” You say you’ll deal with debt later. But later doesn’t exist. Later is just 𝘮𝘰𝘳𝘦 𝘴𝘵𝘳𝘦𝘴𝘴, 𝘮𝘰𝘳𝘦 𝘭𝘰𝘴𝘵 𝘰𝘱𝘱𝘰𝘳𝘵𝘶𝘯𝘪𝘵𝘪𝘦𝘴, 𝘮𝘰𝘳𝘦 𝘳𝘦𝘨𝘳𝘦𝘵.
Here’s what happens when you choose to take action:
💸 Debt gone
🏦 Savings built
🏠 First home purchased
❤️ Calm, confident money choices
We’ll give you the plan, the system, and the support. The rest is up to you.
Stop being lazy. Step up. Stop wishing. Start doing.
2026 is your chance to break the cycle.
Read more: yourbudgetmates.com.au/2026-the-year-you-take-control-of-your-money/ ... See MoreSee Less
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Where do you want to be financially by December 2026?
Not where you "should" be. Not where someone else thinks you should be. Where do YOU actually want to be?
Debt cleared? Real savings in the bank? First home purchased? No more money arguments?
Now here's the harder question...
If nothing changes from today – if you keep doing exactly what you've been doing – how will you actually get there?
You won't. And you know it.
Make 2026 count and let it be your best year yet!
www.yourbudgetmates.com.au
𝗪𝗵𝗮𝘁'𝘀 𝘆𝗼𝘂𝗿 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗴𝗼𝗮𝗹 𝗳𝗼𝗿 𝟮𝟬𝟮𝟲? ... See MoreSee Less
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