Our Solution Ends with
GUARANTEE, IF YOU PUT IN THE WORK
You’ll need to share your spending habits
Review and track your bills
Fill in a form or two
Be present at online catch-ups
Be accountable for your excesses
Be open to change and self empowerment


Paid off their debt and secured approval for a new home loan after 6 months on apprentice wages.

Cleared $100,000 in debt in 2 years, and are now saving over $1,000 a week towards their dream of home ownership.

Rekindled their relationship and are now more knowledgeable about their money, have over $30,000 in savings and are on track for future investing.

Are now on the same page of understanding, are able to listen to one another without judgement, and have their first holiday in years

Unlocked their investment property strategy to become debt and mortgage free in their 40’s paving the way for their future investment property journey with the right structure and foundations in place.
Because of you, I can walk tall, proud of my achievements knowing that not only am I creating a solid foundation for my future but teaching and handing down crucial skills and attitudes towards money to my children.Andrea - Client 2020
Shift your perspective on money – see money as a tool for exchange in an abundant world where you always have what you need, when you need it.
Create a judgement-free financial foundation where blame, guilt and stress are replaced with clarity, calm and confidence.
Take control of your financial future and develop a mindset that supports guilt-free spending by aligning your actions with your financial goals.
Create structured and strategic budget plans that align with your goals, and your ability to manage your cashflow.
Stay focused on your core goals, align them with your strategic budget plan and shift your limiting beliefs.
Get self-confirmation here
𝐄𝐯𝐞𝐫𝐲𝐝𝐚𝐲 𝐀𝐮𝐬𝐬𝐢𝐞𝐬. 𝐌𝐢𝐝𝐝𝐥𝐞 𝐢𝐧𝐜𝐨𝐦𝐞. 𝐂𝐫𝐞𝐝𝐢𝐭 𝐜𝐚𝐫𝐝 𝐠𝐨𝐧𝐞. $𝟏𝟕,𝟎𝟎𝟎 𝐬𝐚𝐯𝐞𝐝 𝐢𝐧 𝟏𝟐 𝐦𝐨𝐧𝐭𝐡𝐬. 🔥
Jo and Ryan are like a lot of Aussie households. A middle income, a child and bills to pay. But one was paid fortnightly and the other monthly, and every month, around the three-week mark, the money ran out.
The credit card covered the gap. The monthly pay cleared the card. Then they were short again, and the cycle repeated.
When we presented our fees, their first thought was “how can we afford this?” Then it flipped: “how can we NOT afford to do this?”
Here’s where they are after 12 months:
✅ Credit card paid off and closed, two weeks ahead of target.
✅ $17,000 in savings across structured accounts.
✅ Two new cars bought without damaging the budget.
✅ No more week-three stress cycle.
✅ No more checking the bank account multiple times a day.
✅ The confidence to manage their budget themselves.
There was no magic trick here, and you don’t need a high income to do it. We turned their reactive monthly cycle into a weekly one, with a bank account structure that caps spending at a set amount every single week, guilt-free, no matter when income lands. The pantry was always full. The cars always had petrol. A broken windscreen and septic tank issues in the first few months? All absorbed, because the buffer was there.
Ryan says it best: “We set a goal to pay off our credit card debt and we smashed it (earlier than planned!).” ❤️
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/run-out-of-money-before-payday-budget-success-story/
#YourBudgetMates #CreditCardDebt #CashFlow #BudgetCoach #FinancialFreedom #BudgetingWorks ...
Money Gone By Week Three, Credit Card Gone, $17,000 Saved: Jo And Ryan’s Your Budget Mates Story - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Everyday couple, middle income, money gone by week three. See how Jo & Ryan fixed their cash flow, cleared their credit card and saved $17,000.0 CommentsComment on Facebook
A strong strategy doesn’t just manage debt or investments. It 𝐚𝐥𝐢𝐠𝐧𝐬 𝐞𝐯𝐞𝐫𝐲 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 with your goals.
For our clients Greta & Jason, taking a full-picture view of their finances meant they could make smarter choices across the board. The results?
✔️ Paid off their mortgage faster
✔️ Reduced debt efficiently
✔️ Freed up cashflow for life priorities
✔️ Gained peace of mind for the future
Strategy turns individual actions into meaningful progress. It’s not just about numbers — it’s about 𝐜𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥𝐢𝐟𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐜𝐨𝐧𝐭𝐫𝐨𝐥.
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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A mortgage is not just a loan.
Investments are not just numbers.
Debt is not just a monthly payment.
Our clients Greta & Jason were doing all the right things individually, but it wasn’t until they looked at their 𝐞𝐧𝐭𝐢𝐫𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐢𝐜𝐭𝐮𝐫𝐞 that everything clicked. Suddenly, they could see how each decision affected the next, and how all their efforts could work together to achieve their bigger goals.
That’s the power of strategy. It isn’t about a single transaction – it’s about 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥𝐢𝐟𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭, 𝐬𝐭𝐞𝐩 𝐛𝐲 𝐬𝐭𝐞𝐩, with clarity and confidence.
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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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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