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Whether you’re looking to reduce debt, improve your cash flow, save for your first home or simply feel more confident managing your money, Your Budget Mates provides personalised finance coaching to help Australians achieve lasting financial success.
Unlike traditional budget management services, we don’t take control of your money… we teach you how to confidently manage it yourself.
Searching for a finance coach, money coach, budget coach usually means you’re looking for answers – not just advice.
You may be wondering why you’re earning a good income but never seem to get ahead, why saving feels impossible, or why money has become a source of stress in your life or relationship.
A finance coach helps bridge the gap between knowing what you should do and actually doing it.
Unlike a financial adviser, who focuses on investments and wealth creation, or an accountant who manages tax and compliance, a finance coach works alongside you to improve your everyday financial habits.
Through personalised financial coaching, you’ll learn how to:
Finance coaching isn’t about restricting your lifestyle.
It’s about helping you make smarter financial decisions so you can enjoy today while building a stronger tomorrow.
Whether you’re preparing to buy your first home, wanting to pay off debt, build your savings or simply feel more confident with money, Your Budget Mates finance coaching provides practical guidance, education and accountability every step of the way.
Coaching that is personalised and designed around real life… not spreadsheets that get forgotten after a week.
At Your Budget Mates, we believe everyone deserves to feel confident about their finances.
As trusted finance coaches, Andrew and Alyssa have spent years helping Australians gain control of their finances through personalised coaching, practical education and ongoing accountability.
They’ve supported hundreds of individuals, couples and families to reduce debt, improve cash flow, build savings and achieve financial goals they once thought were out of reach.
What makes their approach different is that every coaching program is tailored to the individual.
No generic templates.
No judgement.
No unrealistic budgeting rules.
Just practical financial coaching designed around your goals, lifestyle and future.
Andrew has spent a decade proving that financial transformation isn’t about earning more – it’s about knowing your numbers and making them work.
Equipped with a Diploma in Finance and Mortgage Broking (but not a broker), Andrew builds budget plans that actually fit real life. No spreadsheets that gather dust. No advice that sounds good but doesn’t land. Just clarity, structure, and the skills to manage your own money with confidence.
He’s witnessed hundreds of Australians break free from debt, buy their first homes, and stop living paycheck to paycheck – not through magic formulas, but through honest conversations and plans they could actually stick to. Andrew works with individuals and couples who are ready to stop playing the same old record and start building the financial future they deserve.
When he’s not in client sessions or building strategies, you’ll find him walking the beach or on a road trip with Alyssa – living proof that financial freedom buys you time, not just money.
“The numbers don’t lie. And once you stop being afraid of them, they stop having power over you.”
Alyssa is one of the only finance coaches in Australia combining practical money management with mindset, grounding practices and woo – unashamedly and proudly.
Debt and mortgage-free by 38, Alyssa brings nearly a decade of coaching experience to her work with individuals and couples. But what sets her apart is what she pays attention to beneath the numbers – the patterns driving the spending, the beliefs running quietly in the background, the nervous system that flinches when the banking app opens.
She draws on astrology, biofield tuning and mindset work alongside solid financial coaching, because she has seen repeatedly that people don’t fail at budgeting because they lack discipline. They fail because nobody has helped them look at what is actually driving the behaviour.
Alyssa works with warmth, directness and genuine intuition – reading between the lines, asking the question that opens the door. Alyssa lives what she teaches: bare feet on the grass, tuning forks in the toolkit, walking the beach near her home.
“The answers are within you – if only you would take the time to listen”
At Your Budget Mates, we provide personalised financial coaching that helps Australians take control of their money and build lasting financial confidence.
Whether you’re looking to reduce debt, improve your cash flow, save for a home or simply feel more in control of your finances, we’ll create a tailored plan that works for your goals, lifestyle and income.
No two financial situations are the same, which is why we don’t believe in one-size-fits-all advice. Instead, we work with you to build a plan that suits your income, goals and lifestyle.
When you work with us, you’ll get a completely personalised experience:
Our role as your finance coach is to give you the knowledge, tools and accountability to confidently manage your own money yourself. We’ll help you navigate money basics, financial jargon that feels overwhelming, and explore triggers and mindsets that are driving your financial habits.
We’re here to help you build lifelong financial habits, reduce money stress and create real, lasting change. Because true financial success comes from understanding your finances – not handing them over to someone else.
Many people think they need to be struggling financially before they speak to a finance coach.
The reality is quite the opposite.
Most of our clients earn good incomes. They’re professionals, business owners, couples and families who are working hard but still wondering where their money disappears each month.
Financial coaching may be right for:
Individuals
Gain clarity, confidence and control over your personal finances.
Couples
Improve communication around money and work towards shared financial goals together.
Families
Create financial stability while managing the increasing cost of living.
First Home Buyers
Build savings, improve your financial position and prepare for home ownership.
Business Owners
Separate business and personal finances while building stronger financial habits.
Anyone Wanting More Financial Confidence
If you want to stop feeling overwhelmed by money and start making real progress, finance coaching can help.
Take a read through our financial success case studies where clients have achieved financial freedom OR secured their first home deposit OR paid off their mortgage.
If you’ve tried budgeting before but couldn’t stick to it, or you’re earning more than ever yet still don’t feel ahead financially, our finance coaching programs are designed for Australians like you.
You don’t need to earn more… You simply need a better plan.
Working with Your Budget Mates is simple, practical and designed to fit around your lifestyle.
As an online finance coach, we work with clients across Australia using Zoom, making it easy to receive professional coaching no matter where you live.
Discovery Meeting
We begin by understanding your financial position, challenges you’re facing and current situation. We’ll review your income, expenses, debts and future goals.
Personalised Financial Plan
Together we’ll create practical strategies tailored specifically to your lifestyle and priorities.
Ongoing Coaching
Regular coaching sessions help you stay accountable, overcome challenges and celebrate your wins.
Continuous Support
As your circumstances change, your financial plan evolves with you.
Having a finance coach online Australia means you always have someone in your corner keeping you focused, motivated and moving forward.
The goal isn’t just to build a budget.
The goal is to build lifelong confidence with money.
For almost a decade, Your Budget Mates has helped hundreds of Australians transform their finances through education, accountability and practical coaching… not judgement.
Our coaching is built on one simple belief: You stay in control of your money.
Unlike some budgeting services that take over your bank accounts, we teach you how to confidently manage your own finances for life.
Our proven results speak for themselves:
Our coaching combines education, accountability and genuine support to help you build lasting financial habits that continue long after your program finishes.
When your budget works, everything else becomes easier.
A finance coach helps you improve your everyday financial habits through personalised coaching, education and accountability.
Yes. Finance coaching focuses on helping you improve your financial behaviours and decision-making, while financial advisers generally provide investment and wealth management advice.
Absolutely. Many of our clients work with us to develop realistic debt reduction strategies while improving their overall financial wellbeing.
Not at all. Many of our clients earn good incomes but want to improve cash flow, save more effectively or prepare for future financial goals.
Yes. Helping couples communicate better about money and work towards shared financial goals is one of our most popular coaching services.
Yes. All coaching sessions are delivered online, allowing us to work with clients anywhere in Australia.
We’ll discuss your goals, challenges and current financial situation before explaining how our personalised finance coaching works.
You don’t have to figure it all out on your own.
Whether you’re trying to get out of debt, save for your first home, reduce financial stress, start spending with prupose and not pressure, or simply gain more confidence with your money, we’re here to help.
Book Your No-Obligation Discovery Meeting and let’s talk about your goals.
We’ll learn more about your situation, explain how our coaching works and help you decide which program is the right fit for you.
Here's what's tricky about financial advice in Australia...
Your broker secures great loans. Your planner builds your wealth. Your accountant handles your tax. Each one is brilliant at what they do.
But there's a dangerous gap most people don't know exists: who's making sure it all works together for YOU? 🚨
That's where Your Budget Mates comes in. 💡
We don't replace your professionals – we compliment and coordinate with them.
When Greta & Jason came to us, we brought their broker, planner, and accountant together and asked a different question: "What's the STRATEGY for Greta & Jason’s life?"
By connecting the dots between all their expert advisors, we helped deliver an incredible achievement – Greta & Jason becoming 100% debt and mortgage free in their early 40’s. 🎉
Their professionals did outstanding work. We just made sure the entire team was on the same page.
Is anyone coordinating YOUR complete picture? 🤔
📖 Read their journey ➡️ yourbudgetmates.com.au/australias-fractured-financial-advice-model-greta-jasons-story-revisited/
𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬 ...
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A complete finance strategy is like a road map for your money where every decision has direction and purpose.
Our clients Greta & Jason connected their debt, mortgage, and investments, and suddenly their path to freedom became clear.
Implementing their plan resulted in:
✔️ Reduced stress
✔️ Increased cashflow
✔️ Confident decision-making
Want help creating a full-picture plan? Book your discovery meeting with us today: www.yourbudgetmates.com.au
𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬 ...
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𝐇𝐢𝐠𝐡 𝐢𝐧𝐜𝐨𝐦𝐞. $𝟏𝟎𝟎,𝟎𝟎𝟎 𝐢𝐧 𝐝𝐞𝐛𝐭. 𝐃𝐞𝐛𝐭-𝐟𝐫𝐞𝐞 𝐢𝐧 𝟐 𝐲𝐞𝐚𝐫𝐬. 🔥
When Dave and Michelle first walked through our door, they were done. Done with false promises, done with slick apps that delivered nothing, and done with feeling like failures despite earning a high income.
They’d spent four years with another budget provider, watching $100,000 of debt barely move. They were barely saving $50 a week, if they saved at all. A broker passed them our details, and they held onto that referral for a whole year, too scared to hope again.
But they showed up. Here’s where they are now:
✅ Over $100,000 of consumer debt cleared.
✅ Savings up from around $50 a week to over $1,000 a week.
✅ No car loans, personal loans, credit cards or AfterPay.
✅ A 5-year car loan paid off in just 9 months.
✅ A car accident along the way that didn’t derail them, because their budget was ready.
✅ Now preparing to build their forever home 🏡
There was no magic trick here, and no shortcut. We looked at their real numbers, closed down the old systems that weren’t serving them, and built a clear plan they actually owned. By the end of the first three months they were saving $200 a week, and they chose to keep going.
Michelle’s review says it best: “If you want financial freedom, support and great sounding boards give Andrew and Alyssa a call.” ❤️
Thank you to Aaron Vogt of Preferred Finance for believing in what we do and passing Dave and Michelle our details 👏
If you’re reading this and thinking wow, what a great result… what’s NOT budgeting costing you?
👉 Read the full story: yourbudgetmates.com.au/high-income-debt-free-budget-success-story/
#YourBudgetMates #DebtFree #BudgetCoach #HighIncomeDebt #FinancialFreedom #BudgetingWorks ...
High Income, $100,000 In Debt To Debt-Free In Two Years: Dave And Michelle’s Your Budget Mates Story - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Earning a high income but stuck in $100,000 of debt? See how Dave & Michelle became debt-free in two years and now save $1,000+ a week for a home.0 CommentsComment on Facebook
𝐒𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝. 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐝𝐨𝐰𝐧 $𝟓𝟎,𝟎𝟎𝟎+. 𝐇𝐨𝐥𝐢𝐝𝐚𝐲𝐬 𝐩𝐚𝐢𝐝 𝐮𝐩𝐟𝐫𝐨𝐧𝐭. 𝐉𝐮𝐬𝐭 𝐚 𝐛𝐮𝐝𝐠𝐞𝐭. 🔥
Luke and Carrie run their own business, which means their income changes from week to week. For most self-employed families, that makes budgeting feel almost impossible.
They didn’t need a bigger income. They needed structure and visibility around their cash flow.
Here’s where they are after two and a half years:
✅ Mortgage reduced by well over $50,000.
✅ Several family holidays, interstate and overseas, paid for in advance.
✅ Income grown year on year by setting targets and forecasting business growth.
✅ Shared goals, transparency and trust as a couple.
✅ A plan they can adjust as life changes.
There was no magic trick here, and no shortcut. Month after month, Luke and Carrie looked honestly at their numbers and directed their money on purpose. Along the way they went through personal and professional changes, and because they had a structure they could adjust, they never had to start again.
Then came the part we love most. Paying for flights with money they actually have and own, and saying yes to the kids on holiday because it was already part of the holiday budget. They went from “hoping it’ll come out in the wash” to knowing it’s accounted for.
Carrie says it helped them “dream a little bigger than we thought we could.” ❤️
Thank you, Luke and Carrie, for trusting us with your money and for sharing your story. We’re so proud of you both 👏
If you’re reading this and thinking wow, what a great result… what’s NOT budgeting costing you?
👉 Read the full story: yourbudgetmates.com.au/self-employed-couple-budget-success-story/
#YourBudgetMates #SelfEmployed #BudgetCoach #MortgageFree #FinancialFreedom #BudgetingWorks ...
Self-Employed With A Mortgage Down $50,000+ And Family Holidays Paid Upfront: Luke And Carrie’s Your Budget Mates Story - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Self-employed with irregular income? See how Luke & Carrie cut their mortgage by $50,000+, took family holidays and grew their income with a budget.0 CommentsComment on Facebook