The Difference is
Most traditional budgeting services take your weekly wage, put it into their own accounts, and pay your bills for you.
We believe that creates dependency, not freedom. As your trusted finance coach, we do things differently.
Our Australia-wide coaching service is built on education and empowerment.
We don’t take your money; we provide the financial coaching you need to manage your money, save and achieve your goals.
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
| Your Budget Mates (Financial Coaching) | Traditional Budget Managers | |
|---|---|---|
| Your Weekly Wage | Stays completely in your own bank account. | Goes into their bank account to control. |
| Financial Control | You stay in full control. An expert money coach guides your decisions. | Zero control. You outsource all your financial responsibility. |
| Education & Growth | Holistic budget coaching designed to teach you life-long money skills. | Limited education. You remain dependent on their system. |
| Location | Remote and accessible Australia-wide. | Often restricted to local physical offices. |
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.
Rewards points, loyalty programs, buy-now-pay-later services, fast food apps, and the latest trend – getting discounts at restaurants and bars by scanning a simple QR code – seem like great perks. Who wouldn’t want $10 off their meal or drinks, right? But have you ever stopped to think about what’s really happening? These seemingly harmless...
We hear a version of this story more often than you'd think. Two people, together a long time. Good people. Not reckless, not careless, just never actually taught how to run a household's money as a team. One of them tends to hold the anxiety – checking the balance, doing the mental maths at night, trying to keep the wheels on. The other tends to...
I've lost count of how many times I've heard a broker say it. "Don't worry, my service is free." Said with a smile. Said with confidence, usually from behind a nice desk, in an office that looks like it costs more to run than most people's mortgages. And technically, they're not lying. You don't pay them a fee out of your pocket. The lender pays...
Ask someone how they're going with money, and almost everyone says the same word. Fine. Not because it's true. Because it's easier than explaining the calculator sessions at 11pm, the redraw that quietly became grocery money, or the "I'll sort it next payday" that's been said for the last six paydays running. That's the part people miss with money...
What would you do if you found yourself debt and mortgage free by your early 40's? No more mortgage repayments. No rent. No other debts. You'd feel rich, right? $800 a week is $41,600 a year of household income you didn't have before. Do you need to invest it? Well, not if you don't want to. You're rich after all… But if you've got 20+ years of...
Alyssa Mates – Newsletter, Third Edition. The power of sitting in silence… Last month I shared something a little different – the practice of grounding, of getting your bare feet on the earth and letting your nervous system breathe. I'd love to know how you went with that. Did you try it? Did it feel strange, or did it feel like coming home?...
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 ...
0 CommentsComment on Facebook
Interesting take away from Tom Panos… ...
0 CommentsComment on Facebook
Ah, this one still cracks us up...
Hope your Father’s Day is everything it’s cracked up to be! 🍑😂
May your BBQ be sizzling, your beer be cold, your footy team actually win…
…and most importantly, may your pants stay firmly above your bum crack for at least one day of the year!
A special shout-out to all the tradie dads out there – the dads who spend their days bending, lifting, crawling under things and generally giving everyone around them a little more exposure than they probably intended! 😂
Happy Father’s Day to all the dads, stepdads, grandads and father figures out there.
You’re one in a million – even if your pants are one inch too low. 😂Happy Fathers Day to all the amazing fathers, especially our tradie fathers! ...
0 CommentsComment on Facebook
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 40s? Still here. 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/ ...
0 CommentsComment on Facebook