The First Step is
STEP #1
We empower you with financial knowledge
Provide expert education, guidance and coaching
Simplify cash flow management – making it easy and enjoyable
Provide tools and systems to help you take control of your future
We don’t take any financial control away from you
We create structured and strategic budget plans that align with your goals
Provide effective debt reduction strategies
Help you develop sustainable savings habits to grow your wealth
Build your confidence – not just with money, but in yourself
When you work with Your Budget Mates, you get “Mates”
Andrew and Alyssa are your personal budgeting mates who will guide you through the process.
If you’re committed to doing the work and getting your life on track,
we’re committed to supporting you every step of the way.
BUT WHAT DOES THIS MEAN FOR YOU?
Let's explore this together and get a plan happening.
Words can't describe the last 12 months with Andrew & Alyssa... but my house can!Georgia & Brayden - Clients 2023
Because every program is tailored to your needs, we’ll start with a quick consult. We do offer standard packages too, and we’ll walk you through them so you can see the real value they provide.
We believe there is no ‘one-size fits all’ solution. We offer unique, tailor-made budget plans which are individually crafted to meet the specific needs of the individual or family.
We offer 3, 6, and 12-month programs which are personalised to your family and situation.
Choose whether to get started with the essentials, hit the ‘sweet-spot’ for meaningful transformation, or skyrocket your financial goals with a comprehensive program.
That’s what we’re here for! Our budget plans are ‘done-for-you’ with as many revisions as required along your journey with us. We break everything down into language that you understand – personalised to your situation.
All of our programs are offered via regular Zoom calls. Phone, email and Zoom support is available for all chosen programs. No app is required for our budget plans.
𝐓𝐡𝐞 𝐞𝐚𝐬𝐲 𝐰𝐚𝐲 𝐭𝐨 𝐚 𝐡𝐚𝐫𝐝 𝐥𝐢𝐟𝐞 𝐢𝐬 𝐝𝐨𝐢𝐧𝐠 𝐧𝐨𝐭𝐡𝐢𝐧𝐠.
You're 68. Still renting. Landlord just gave notice. Pension barely covers the basics. Every bill brings anxiety. Can't afford to stop working. The financial stress from your 40's? Still there. Only now you have fewer options and less energy.
𝐓𝐡𝐢𝐬 𝐢𝐬 𝐰𝐡𝐚𝐭 "𝐞𝐚𝐬𝐲 𝐧𝐨𝐰" 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐜𝐨𝐬𝐭𝐬.
Refinancing that debt into your mortgage? Feels like relief today. But you just turned $30k, $50k, $100k of short-term debt into 30-year debt. Your biggest asset is now your biggest liability.
Ignoring your spending habits? Comfortable today. Devastating at retirement.
Staying in reactive mode? Easy now. Brutal later.
𝐋𝐢𝐟𝐞'𝐬 𝐩𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐚𝐫𝐞𝐧'𝐭 𝐠𝐨𝐢𝐧𝐠 𝐚𝐧𝐲𝐰𝐡𝐞𝐫𝐞. 𝐘𝐨𝐮'𝐫𝐞 𝐣𝐮𝐬𝐭 𝐜𝐡𝐨𝐨𝐬𝐢𝐧𝐠 𝐰𝐡𝐢𝐜𝐡 𝐨𝐧𝐞𝐬 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭.
After nearly 10 years coaching Australians, we've seen it hundreds of times: people waiting until it's too late. Saying "I wish I'd done something sooner."
𝐘𝐨𝐮𝐫 𝐰𝐢𝐧𝐝𝐨𝐰 𝐢𝐬 𝐨𝐩𝐞𝐧 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰. 𝐁𝐮𝐭 𝐢𝐭'𝐬 𝐜𝐥𝐨𝐬𝐢𝐧𝐠.
Every month you delay is compounding working against you. Every year of unclear spending is another year further from freedom.
𝐘𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐬𝐞𝐥𝐟 𝐢𝐬 𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐨𝐧 𝐲𝐨𝐮. 𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐭𝐡𝐞𝐦 𝐝𝐨𝐰𝐧.
👉 Read more: yourbudgetmates.com.au/the-easy-way-to-a-hard-life/ ...
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"𝐈 𝐖𝐢𝐬𝐡 𝐖𝐞'𝐝 𝐃𝐨𝐧𝐞 𝐓𝐡𝐢𝐬 𝐒𝐨𝐨𝐧𝐞𝐫"
Almost every couple says this when they finally sit down with us.
Not because they were broke. Because they stayed in 𝐫𝐞𝐚𝐜𝐭𝐢𝐯𝐞 𝐦𝐨𝐝𝐞 until things got painful.
Reactive living keeps you stuck. Active decisions create options. 💡
The people who take action before hitting rock bottom? They tell us the same thing:
"I wish I'd done this years ago."
The difference isn't circumstances. It's the choice about when to act.
If you're thinking "we should probably do something"... That's your sign.
Ready to get started? Book your discovery meeting with us today: www.yourbudgetmates.com.au ...
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𝐆𝐨𝐭 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧… 𝐛𝐮𝐭 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐞𝐫 𝐧𝐞𝐯𝐞𝐫 𝐚𝐬𝐤𝐞𝐝 𝐭𝐨 𝐬𝐞𝐞 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭? 🤔
Seriously?
How do you build a financial plan for someone without first understanding what their money is actually doing?
How much comes in.
How much goes out.
What gets spent.
What gets wasted.
What gets saved.
What debt is being paid down.
And, perhaps most importantly, 𝐰𝐡𝐚𝐭’𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐥𝐞𝐟𝐭 𝐚𝐭 𝐭𝐡𝐞 𝐞𝐧𝐝 𝐨𝐟 𝐭𝐡𝐞 𝐦𝐨𝐧𝐭𝐡?
A financial plan can look fantastic on paper.
Investments. Super. Insurance. Property. Retirement projections. The whole lot. But if the underlying cashflow doesn’t stack up, you’ve potentially built a very pretty plan on a very shaky foundation.
And this is where we think the humble 𝐛𝐮𝐝𝐠𝐞𝐭 gets seriously overlooked.
Your budget isn't just about cutting back on takeaway coffees and telling yourself you shouldn't have bought those shoes.
It is the 𝐫𝐞𝐚𝐥-𝐰𝐨𝐫𝐥𝐝 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐛𝐞𝐡𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐠𝐫𝐞𝐚𝐭𝐞𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧.
If your financial planner hasn't asked to see your budget or understand your actual cashflow… 𝐌𝐚𝐲𝐛𝐞 𝐭𝐡𝐚𝐭'𝐬 𝐚 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐰𝐨𝐫𝐭𝐡 𝐚𝐬𝐤𝐢𝐧𝐠.
👉 We’ve unpacked exactly what can happen when financial planning is done without a budget.
Read the full article here: yourbudgetmates.com.au/financial-planning-without-a-budget-what-happens/
𝐒𝐨𝐫𝐭 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭. 𝐒𝐨𝐫𝐭 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞.
#FinanceCoach #MoneyCoach #BudgetCoach #FinancialPlanning #YourBudgetMates ...
Financial Planning Without A Budget: What Happens When A Financial Plan Has No Budget To Stand On? - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Got a financial planner but no budget underneath it? Here's what actually happens to your retirement plan – and how to fix it before it's too late.0 CommentsComment on Facebook
𝐋𝐢𝐟𝐞'𝐬 𝐏𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐀𝐫𝐞𝐧'𝐭 𝐆𝐨𝐢𝐧𝐠 𝐀𝐧𝐲𝐰𝐡𝐞𝐫𝐞.
You're just choosing which ones you want.
The problem of building new money habits now? Or the problem of financial stress in retirement?
Saying no to some spending today? Or having no choices tomorrow?
Not choosing is still a choice. And it's usually a choice for harder problems down the track.
Every month you delay is compounding working 𝐚𝐠𝐚𝐢𝐧𝐬𝐭 you instead of for you.
Your window is open right now. But it's closing. ⏳
For your best chances at an amazing retirement, sort your budget now.
Book your discovery meeting with us to learn more: www.yourbudgetmates.com.au ...
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