We’re Just Like You
By name & by nature... we'll be your mate.
We live on the coast of South Australia
but we relate and connect with friends and clients Australia-wide.
“Sort Your Budget, Sort Your Life” is so true.
We See it, We Teach it, We Live It…
Our philosophy that financial wellness extends far beyond just managing money—it’s about creating overall life satisfaction and relationship harmony.
We’d love to hear from you…
We are Andrew and Alyssa Mates, a husband-and-wife team with a background in property and finance. By understanding the power of knowing our numbers we became completely debt and mortgage-free in 2022 at the age of 39 years old and now enjoy living life in beautiful Normanville, South Australia.
Andrew left a high-stress corporate career to pursue a career in finance and became a mortgage broker with Aussie back in 2012, but during his time he quickly realised that his passion was helping people eliminate debt, not accumulate it, and promptly left the industry.
Alyssa, a property enthusiast, worked alongside Andrew whilst they developed their personal plan for property and cashflow which ended up becoming their personal finance system that provided clarity, structure, and a clear path to their personal financial freedom.
Since 2009, this system has guided our decisions personally, and since 2018 we have been teaching others our methodologies of how to create their own path to financial independence by providing clarity on their current financial position, future goals, and helping them to implement steps required to achieve them—whether for household budgets, business finances, or preparing to borrow or invest.
Our approach is tailored to you, practical in nature, and focused on your self-reliance, without any third-party apps or subscriptions. We deliver an empathetic, fun, and exciting approach to budgets to ensure you receive your tailor-made plan that works for you – unique to your own circumstances and designed for your success.
If you’re ready to take charge of your financial future, reach out. This could be the most impactful step toward achieving your goals.
People say they want to get on top of their money…
But they're holding out for a dramatic beginning. A perfect pay cycle. A week with no unexpected bills. A motivational lightning bolt ⚡️
Meanwhile the real starting day looks… embarrassingly small.
It's making coffee at home instead of tapping your card at the café.
It's meal prepping on a Sunday instead of opening Uber Eats at 7pm on a Tuesday when you're tired and hungry and your willpower is gone.
It's walking past the sale rack like an adult instead of negotiating with your credit card.
Nobody wants to start there.
Because skipping one takeaway doesn't feel like financial freedom. And packing your lunch doesn't feel like a "transformation".
You're not stuck because the goal is big. 𝐘𝐨𝐮'𝐫𝐞 𝐬𝐭𝐮𝐜𝐤 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐲𝐨𝐮𝐫 𝐞𝐠𝐨 𝐭𝐡𝐢𝐧𝐤𝐬 𝐬𝐦𝐚𝐥𝐥 𝐬𝐭𝐞𝐩𝐬 𝐚𝐫𝐞 𝐛𝐞𝐧𝐞𝐚𝐭𝐡 𝐲𝐨𝐮.
You want the debt-free life.
The savings account with real numbers in it.
The holiday you actually paid for.
The version of you that stops dreading pay day and starts owning it.
But you want it without the boring middle. The part where you check your balance even when it's ugly.
The part where you track spending that makes you cringe. The part where you choose the uncomfortable truth over a comfortable swipe.
The first week of a real budget isn't sexy. It's writing down what you spent on coffee last month and feeling personally attacked. It's a spreadsheet with three things in it. It's foundations.
And foundations feel slow… until suddenly they don't.
The people who actually get ahead aren't the most motivated. They're the ones willing to start messy and small – while everyone else waits to feel ready.
Here's the truth nobody wants to hear:
The perfect time to start budgeting for a better tomorrow was yesterday. The second best time? Right now. Not Monday. Not next pay cycle. Not when things "calm down". 𝐍𝐨𝐰.
Stop procrastinating on the life you actually want. Stop settling for a bank account that doesn't reflect your potential. Stop waiting for a version of yourself that only shows up after you do the work.
Because here's what we know after working with hundreds of everyday Australians – most people actually do need a financial overhaul. Not a complicated one. Not a scary one. But a real one.
A proper look at where the money is going, where it should be going, and a clear plan to close the gap.
That's exactly what we do.
We sit down with you, cut through the noise, and build something that actually works for your life – not some textbook version of it.
If you're done waiting, done settling, and done watching your money disappear without a plan…
𝐁𝐨𝐨𝐤 𝐲𝐨𝐮𝐫 𝐝𝐢𝐬𝐜𝐨𝐯𝐞𝐫𝐲 𝐦𝐞𝐞𝐭𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐮𝐬 𝐭𝐨𝐝𝐚𝐲. It costs nothing to start. But staying stuck? That costs you every single day, and the interest is compounding…
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Your Budget Mates: Sort Your Budget, Sort Your Life | Life-Changing Budgeting for Goal Setters
www.yourbudgetmates.com.au
The Mates you need to help you reset your life - Gain financial clarity, Reduce debt & Achieve your financial goals with personalised budgeting & support. Take the first step and Book Your Discovery M...0 CommentsComment on Facebook
Seven months.
That's how long it took our clients to go from "we don't want to be mortgage-free" to celebrating complete debt freedom.
𝗡𝗼𝘁 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘄𝗲 𝗿𝘂𝘀𝗵𝗲𝗱 𝘁𝗵𝗲𝗺. 𝗕𝗲𝗰𝗮𝘂𝘀𝗲 𝘄𝗲 𝗯𝘂𝗶𝗹𝘁 𝘁𝗵𝗲𝗶𝗿 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲.
Month 1-2: Showing them the numbers
Month 3-4: Running scenarios (when they finally saw it)
Month 5: Decision made to sell
Month 7: $830,500 auction, debt-free
Every month mattered. Every conversation built on the last. Every scenario showed them something new.
𝗧𝗵𝗮𝘁'𝘀 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻.
Not overnight fixes. Not quick hacks. Just consistent, strategic work that builds toward freedom.
We achieved our own debt and mortgage freedom in 2022 at 39 years old. We know this journey takes time. We know how to walk beside you for as long as it takes.
𝗪𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 𝘀𝗲𝘃𝗲𝗻 𝗺𝗼𝗻𝘁𝗵𝘀 𝗼𝗳 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝘄𝗼𝗿𝗸 𝘂𝗻𝗹𝗼𝗰𝗸 𝗳𝗼𝗿 𝗬𝗢𝗨?
📞 Book your discovery meeting: www.yourbudgetmates.com.au
📖 Read the seven-month transformation: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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Not everyone gets how a budget is supposed to work. But when you have the right tools in place it becomes simple, easy and fun - this is what we teach you.
Over the years we have helped accountants, mortgage brokers, commercial bank managers all to thrive in their household budgets - transitioning them from chaos to a life of structure.
It's important to note that we help all people - not just those in finance. But those in finance? You would expect them to be the 'expert' in their fields, and whilst they are - so many just don't know how a budget works. It's shocking.
Be careful when following the 'experts'. This is Katy Gallagher, Australia’s Minister for Finance, a position she has held since May 2022.
Clearly no idea how a budget works!
When working with budget 'experts' please work with those that get you, that you know, like and trust. Those that know how it's done (have done it time and time again) and have a track record of success.
Don't take budget advice from people who have not achieved the goals that you want to achieve for yourself. That goes for us too.
Always challenge your experts - make sure they are the right fit, that they know what they are doing. If you can't have tough conversations with your team you have the wrong team. ... See MoreSee Less
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And having a budget that allows you to do this is mastery… ... See MoreSee Less
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