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.
From child to master on your journey to financial success… which one are you? Everything around you is your choice. When you choose to take responsibility, change starts. Where Do You Sit? There are three stages in your relationship with money. Most people never make it past the first one. Some reach the second and stay there for life. Very few...
Fast Summary: Modern financial convenience—tap payments, delivery apps and digital grocery shopping—often leads to "mindless consumerism." By shifting back to physical cash and conscious shopping habits, Australian households can combat rising grocery costs (which have climbed from $200 to $350+ per week for many) and regain financial...
Fast Summary: Many Australians receive expert advice from brokers, planners, and accountants in isolation, leading to "fragmented" strategies that may hinder long-term wealth. This case study of Greta and Jason explores how a holistic, coordinated approach allowed a couple in their early 40s to transition from being "investment heavy" to 100% debt...
The choices you're making in your 20’s, 30’s & 40’s matter more than you think! After nearly 10 years as finance coaches and helping hundreds of Australians transform their financial lives, we've noticed a pattern. A choice that people make often without even realising they're making it. It's the choice between easy now and easy later....
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.
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...
𝗔𝗿𝗲 𝘆𝗼𝘂 𝘀𝘁𝘂𝗰𝗸 𝗶𝗻 𝘁𝗵𝗲 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗰𝘆𝗰𝗹𝗲? 🔄
Refinance to clear debt. Feel relief. A few years pass. More debt appears. Refinance again. Repeat.
Sound familiar?
Refinancing without fixing your spending habits is like mopping up water while the tap's still running. You can work harder, move faster, get a bigger mop – but until you turn off the tap, you're just going to keep mopping forever.
We get it. Refinancing feels like the solution. Lower payments. Breathing room. Problem solved... except it's not. You've just moved the problem and made it bigger.
𝗧𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀? When refinancing is paired with the right strategy, it actually works.
We help families break free from the refinance cycle with personalized budget plans that fit YOUR life, YOUR income, and YOUR goals. Not restrictive. Not deprivating. Just real strategies that help you:
✅ Get crystal clear on where your money actually goes
✅ Make confident spending decisions (without the guilt)
✅ Reduce debt strategically while still enjoying life
✅ Build toward mortgage freedom, not further away from it
You don't have to choose between living well today and securing your future. You can do both – with the right plan.
Ready to stop refinancing your problems and start solving them?
☎️ Book your discovery meeting with us today: www.yourbudgetmates.com.au
📖 Read more: yourbudgetmates.com.au/refinancing-debt-youre-turning-your-biggest-asset-into-your-biggest-liabil...
𝗬𝗼𝘂𝗿 𝗕𝘂𝗱𝗴𝗲𝘁 𝗠𝗮𝘁𝗲𝘀: 𝗟𝗶𝗳𝗲-𝗖𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝗚𝗼𝗮𝗹 𝗦𝗲𝘁𝘁𝗲𝗿𝘀. ... See MoreSee Less
Refinancing Debt: You're Turning Your Biggest Asset Into Your Biggest Liability - Your Budget Mates
yourbudgetmates.com.au
Stop refinancing your problems. Learn how personalised budget strategies create real debt reduction and mortgage freedom.0 CommentsComment on Facebook
2026 is going to pass either way.
365 days will tick by whether you use them wisely or waste them.
The only question is whether you'll end it celebrating your progress or making the same excuses you made last January.
"I'll start next month."
"Things are too crazy right now."
"I just need to get through this first."
Sound familiar?
Those are the same things you said last year. And look where that got you.
This year, try something different.
Start now. Commit fully. Follow through completely.
And see what happens when you actually give yourself a chance to succeed.
www.yourbudgetmates.com.au
𝗦𝘁𝗼𝗽 𝗽𝗿𝗼𝗰𝗿𝗮𝘀𝘁𝗶𝗻𝗮𝘁𝗶𝗻𝗴, 𝘀𝗼𝗿𝘁 𝘆𝗼𝘂𝗿 𝗯𝗲𝘀𝘁 𝗹𝗶𝗳𝗲 – 𝗡𝗢𝗪! ... See MoreSee Less
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Today, our national day of celebration, we celebrate what makes this country great. The opportunities. The lifestyle. The fair go.
But here's a question...
Are you actually living the Australian dream you deserve?
Or are you stuck in a cycle of paycheck to paycheck, debt stress, and money worries that rob you of enjoying the life this country offers?
Because financial freedom is part of the Aussie dream too.
Being able to take the kids to the beach without stressing about the cost. Firing up the barbie without checking your balance first. Actually enjoying your long weekend instead of worrying about bills.
That's what we all deserve.
But it doesn't happen by accident. It happens by design.
So today, while you're celebrating everything that makes Australia great, ask yourself...
What would financial freedom give YOU back?
What would your life look like without the constant money stress?
And what are you willing to do to make that your reality in 2026?
This is YOUR year. YOUR country. YOUR opportunity.
Make it count.
www.yourbudgetmates.com.au
𝗛𝗮𝗽𝗽𝘆 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮 𝗗𝗮𝘆! ... See MoreSee Less
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You can't control everything that happens in 2026.
Job changes. Family emergencies. Unexpected expenses. Life happens.
But you CAN control whether you have a plan, a system, and the commitment to follow through.
And that makes all the difference.
Because when life throws you curveballs (and it will), having a system means you bend instead of break.
Having a plan means you adjust instead of quit.
Having accountability means you keep going instead of giving up.
So no, you can't control everything.
But you can control what matters most.
www.yourbudgetmates.com.au
𝗗𝗼𝗻’𝘁 𝗴𝗶𝘃𝗲 𝘂𝗽 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝘂𝘁𝘂𝗿𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲. ... See MoreSee Less
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