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...
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For those that served, and those that are yet to serve. Thank you for your service.
Lest. We. Forget. ... See MoreSee Less
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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... ... 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
At Your Budget Mates, we don't just create plans. We walk the journey with you.
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Our clients successes aren't just about numbers, it's about having a team who genuinely cares.
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When support is real, transformation feels possible.
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You don’t have to walk alone. Let us walk with you, together.
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Ready to start budgeting successfully? Let’s talk – www.yourbudgetmates.com.au ... See MoreSee Less
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