Is It Time You Started Budgeting Better?
We get it, there are hundreds if not thousands of tools out there to help you with your money. You have apps, widgets, the federal governments ‘money smart’ budget planner and even The Barefoot Investor. But have any of these worked for you?
Some have tried the apps and widgets only to find that they simply didn’t work for them. Others utilised the ‘money smart’ budget planner to help them budget and all they could see was if they were in surplus or deficit, and some try the Barefoot method but still don’t understand how to structure their bank accounts or where their money keeps going…
When it comes to The Barefoot Investor method, some may have had success, but sadly (in our experience) many have not. They may have set their accounts up, been prepared for their mojo, and had their fire extinguisher setup and followed the ‘bucket’ formula, yet still remain broke, living week to week and confused about their money. Scenario: We have had couples on $300,000 per year come to us with ‘the barefoot method’ in place who have saved $2,000 in their fire extinguisher (back up fund) and had stopped saving. When asked why… the typical response is because that’s what the book has said we needed. It’s a real facepalm moment. After all, if the book helped you save $2,000, why did you stop saving when you hit $2000? At $300,000 per year income why not keep going?
If you have used other apps, systems, tools, money smart budget planner, or The Barefoot Investor to help you become better with budgets and managing your household cashflow – but have failed – it is not your fault.
- Apps track your history so you end up tracking your spending, not projecting your future spend (and therefore have no idea where you are headed).
- The federal governments money smart budget planner tells you whether you are in surplus or deficit (but doesn’t provide you with the strategy, structure or education around how to change your position).
- Other budgeting providers disempower you by taking away your ability to remain in control and reliant on yourself for your financial future, and charge you fees for life. (At a time where self-reliance, self-responsibility, and independence are seeing a resurgence, outsourcing your financial future is a massive gamble).
- The Barefoot Investor book opens the conversation about personal finances and removes the ‘taboo’ but you are following Scott’s plan (not YOUR plan). It could be that The Barefoot way didn’t work for you because you are not Scott Pape!
We live in an age where we can have everything now – apps, tools, widgets etc. How can it be that with so many answers at our fingertips that so many people still feel terrible, or out of control and lost when it comes to managing their money effectively?
Because the tools we have don’t work – especially if they are ‘free’. Sure, they might give you some insight, help you be 10% better than you were previously (therefore ‘helping’ you), but if they don’t work for you, they can leave you feeling stuck and frustrated. Worse still, if you do not have genuine savings in the bank (or contribute to savings regularly) and you don’t have a clear plan ahead for your financial future you will never achieve your financial goals. This realisation can be disempowering and make you want to give up budgeting altogether, an acceptance to the disempowering notion that ‘you’ll never get ahead.’ And we don’t thrive in life when we are feeling disempowered.
So, what makes Your Budget Mates any different?
We clear out all the financial noise and provide you with the clarity that makes sense to you – YOUR BUDGET. The answer is in our name.
For nearly 10 years we have been helping singles, couples, and small businesses from all over Australia to gain self-confidence, clarity and control of their cashflow whilst remaining 100% self-reliant. Our approach is one of education, support, structure and a removal of all the clutter that doesn’t belong, to implement YOUR systems, YOUR structure, and what YOU need to thrive.
Clients on our programs have consistently experienced:
- Achieving in excess of $30,000 savings growth within their first 12 months (replicatable year on year).
- Development of solid back-up buffers in excess of $10,000 (savings and investments kept separate).
- Massive reductions of debt (best record $100,000 across 9 different providers in just 2 years).
- Paying off car loans early than loan term (best result 9 months instead of 5 years!).
- Clearing out credit cards and reliance on credit (we’re probably not favoured by the credit providers!).
- First home property ownership (and getting into home ownership with ZERO consumer debt).
- Stepping into investment property (sometimes multiple, with clear strategies for their success).
- Confidence in themselves becoming great with money, systemized and structured.
- Happier and improved relationships with no arguments around spending money and a joint focus on goal setting.
- Dream holidays and world travel (we have the pictures of couples celebrating at tropical beach side locations!).
How? By working side-by-side with you on your own replicatable systems and habits so that you get to learn how to stand on your own two feet financially and thrive. No apps, no widgets, no spreadsheets to fill out – just simplicity, systems, tools and a plan built exclusively for YOU.
We aren’t free. We don’t get kick-backs from other financial institutions. We aren’t subsidized by the government, nor do we have any affiliations. But what we do, works.
There’s an investment you need to make when working with us. It’s an investment in you.
If you apply our methodologies and embrace your budget plan fully your life will change (for the better). Many of our clients have already made back their program fees in full, and are on track to replicate their results going forward. Others have experienced more than receiving ‘just a budget’ by experiencing a heightened sense of happiness, success, connection and true wealth.
But you need to decide if YOU are worth it. To keep doing the same things over and over again (the definition of insanity), handing over your financial control for others to sort out (a massive gamble), or actually taking back your control – your power, by choosing to become self-responsible and self-reliant for your financial future.
If you have tried budgeting and failed and feel like managing your money effectively is never going to happen for you, we encourage you to try again – but this time, do it with us.
We’ve been in this ‘game’ nearly 10 years with replicatable systems that are unique to any other provider on the market that work.
We choose to remain independent of other financial institutions so that we only have one interest when working with you – that’s YOU.
If you are ready to thrive let’s talk. Your future self will thank you.
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Written with love, heart and soul by a human – Andrew Mates (Not A.I).
Keep the human connection alive!
