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.
𝗔𝗿𝗲 𝘆𝗼𝘂 𝘀𝘁𝘂𝗰𝗸 𝗶𝗻 𝘁𝗵𝗲 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗰𝘆𝗰𝗹𝗲? 🔄
Refinance to clear debt. Feel relief. A few years pass. More debt appears. Refinance again. Repeat.
Sound familiar?
Refinancing without fixing your spending habits is like mopping up water while the tap's still running. You can work harder, move faster, get a bigger mop – but until you turn off the tap, you're just going to keep mopping forever.
We get it. Refinancing feels like the solution. Lower payments. Breathing room. Problem solved... except it's not. You've just moved the problem and made it bigger.
𝗧𝗵𝗲 𝗴𝗼𝗼𝗱 𝗻𝗲𝘄𝘀? When refinancing is paired with the right strategy, it actually works.
We help families break free from the refinance cycle with personalized budget plans that fit YOUR life, YOUR income, and YOUR goals. Not restrictive. Not deprivating. Just real strategies that help you:
✅ Get crystal clear on where your money actually goes
✅ Make confident spending decisions (without the guilt)
✅ Reduce debt strategically while still enjoying life
✅ Build toward mortgage freedom, not further away from it
You don't have to choose between living well today and securing your future. You can do both – with the right plan.
Ready to stop refinancing your problems and start solving them?
☎️ Book your discovery meeting with us today: www.yourbudgetmates.com.au
📖 Read more: yourbudgetmates.com.au/refinancing-debt-youre-turning-your-biggest-asset-into-your-biggest-liabil...
𝗬𝗼𝘂𝗿 𝗕𝘂𝗱𝗴𝗲𝘁 𝗠𝗮𝘁𝗲𝘀: 𝗟𝗶𝗳𝗲-𝗖𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝗚𝗼𝗮𝗹 𝗦𝗲𝘁𝘁𝗲𝗿𝘀. ... See MoreSee Less
Refinancing Debt: You're Turning Your Biggest Asset Into Your Biggest Liability - Your Budget Mates
yourbudgetmates.com.au
Stop refinancing your problems. Learn how personalised budget strategies create real debt reduction and mortgage freedom.0 CommentsComment on Facebook
2026 is going to pass either way.
365 days will tick by whether you use them wisely or waste them.
The only question is whether you'll end it celebrating your progress or making the same excuses you made last January.
"I'll start next month."
"Things are too crazy right now."
"I just need to get through this first."
Sound familiar?
Those are the same things you said last year. And look where that got you.
This year, try something different.
Start now. Commit fully. Follow through completely.
And see what happens when you actually give yourself a chance to succeed.
www.yourbudgetmates.com.au
𝗦𝘁𝗼𝗽 𝗽𝗿𝗼𝗰𝗿𝗮𝘀𝘁𝗶𝗻𝗮𝘁𝗶𝗻𝗴, 𝘀𝗼𝗿𝘁 𝘆𝗼𝘂𝗿 𝗯𝗲𝘀𝘁 𝗹𝗶𝗳𝗲 – 𝗡𝗢𝗪! ... See MoreSee Less
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Today, our national day of celebration, we celebrate what makes this country great. The opportunities. The lifestyle. The fair go.
But here's a question...
Are you actually living the Australian dream you deserve?
Or are you stuck in a cycle of paycheck to paycheck, debt stress, and money worries that rob you of enjoying the life this country offers?
Because financial freedom is part of the Aussie dream too.
Being able to take the kids to the beach without stressing about the cost. Firing up the barbie without checking your balance first. Actually enjoying your long weekend instead of worrying about bills.
That's what we all deserve.
But it doesn't happen by accident. It happens by design.
So today, while you're celebrating everything that makes Australia great, ask yourself...
What would financial freedom give YOU back?
What would your life look like without the constant money stress?
And what are you willing to do to make that your reality in 2026?
This is YOUR year. YOUR country. YOUR opportunity.
Make it count.
www.yourbudgetmates.com.au
𝗛𝗮𝗽𝗽𝘆 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮 𝗗𝗮𝘆! ... See MoreSee Less
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You can't control everything that happens in 2026.
Job changes. Family emergencies. Unexpected expenses. Life happens.
But you CAN control whether you have a plan, a system, and the commitment to follow through.
And that makes all the difference.
Because when life throws you curveballs (and it will), having a system means you bend instead of break.
Having a plan means you adjust instead of quit.
Having accountability means you keep going instead of giving up.
So no, you can't control everything.
But you can control what matters most.
www.yourbudgetmates.com.au
𝗗𝗼𝗻’𝘁 𝗴𝗶𝘃𝗲 𝘂𝗽 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝘂𝘁𝘂𝗿𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲. ... See MoreSee Less
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