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...
And another lovely 5 star review to wrap the year up...
Thank you for allowing us to support you on your road to success! ... See MoreSee Less
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Just received a lovely review from a client.
If you want to know what we did to help our client, you can check out their success story here: yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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𝗪𝗲’𝗿𝗲 𝗻𝗼𝘁 𝗰𝗹𝗼𝘀𝗲𝗱. 𝗪𝗲’𝗿𝗲 𝗻𝗼𝘁 𝘀𝗹𝗼𝘄𝗶𝗻𝗴 𝗱𝗼𝘄𝗻. 𝗪𝗲'𝘃𝗲 𝗼𝗻𝗹𝘆 𝗷𝘂𝘀𝘁 𝗯𝗲𝗴𝘂𝗻...
And if you’re already thinking about 2026 – this is when the gap between intention and action closes.
While many businesses shut their doors or hit pause over the break, 𝗬𝗼𝘂𝗿 𝗕𝘂𝗱𝗴𝗲𝘁 𝗠𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻𝘀 𝗼𝗽𝗲𝗻 𝗮𝗻𝗱 𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗮𝘁 𝗳𝘂𝗹𝗹 𝗰𝗮𝗽𝗮𝗰𝗶𝘁𝘆 to support people who are ready to take control of their money and move into 2026 with clarity and confidence.
If you’re:
🗺️ Starting to map out goals for the new year
🧭 Wanting a clear financial strategy (not just good intentions)
🔁 Ready to stop repeating the same financial cycles
Or simply want 2026 to feel different…
𝗡𝗼𝘄 𝗶𝘀 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗮𝗰𝘁, 𝗻𝗼𝘁 𝗝𝗮𝗻𝘂𝗮𝗿𝘆.
The quieter weeks are often the best time to do the thinking that most people put off. It’s when decisions get made without noise, pressure or urgency – and when real progress begins.
👉 𝗪𝗲 𝗿𝗲𝗺𝗮𝗶𝗻 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝘁𝗼 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝘆𝗼𝘂𝗿 𝗴𝗿𝗼𝘄𝘁𝗵, 𝘆𝗼𝘂𝗿 𝗴𝗼𝗮𝗹𝘀 𝗮𝗻𝗱 𝘆𝗼𝘂𝗿 𝘀𝘂𝗰𝗰𝗲𝘀𝘀 𝗶𝗻 𝟮𝟬𝟮𝟲.
Because 2026 doesn’t start in January, it starts with the decisions you make now.
👉 𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿𝘆 𝗠𝗲𝗲𝘁𝗶𝗻𝗴 𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝗯𝗿𝗲𝗮𝗸 and step into the new year already moving forward – not starting from scratch.
To book: yourbudgetmates.com.au/personal-budget-strategy-meeting-australia/ ... See MoreSee Less
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🎄 Christmas Without The Guilt 🎄
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This festive season, let's talk about ditching old, outdated traditions that no longer serve us. For many of us, Christmas is filled with pressure: buying gifts we can't afford, over-extending ourselves, and clinging to traditions just because “that’s how it’s always been.” But why? It’s time to focus on creating traditions that truly reflect your values and the life you’re living now.
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Let go of the guilt, embrace meaningful connections, and celebrate Christmas on your terms. 💚
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Read more here: Christmas Traditions | Guilt From Dead People
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#Christmas #NewTraditions #GuiltFreeChristmas #IntentionalLiving #YourBudgetMates ... See MoreSee Less
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