Success Story #1
Finance Coach for First Home Buyers
For Georgia & Brayden
Struggling to build structure on apprentice wages, Georgia and Brayden couldn’t secure a loan.
Partnering with a dedicated finance coach, they paid off their personal debt and secured their new home loan approval in just 6 months.
Our financial coaching gave them the exact roadmap they needed.
ISSUES:
- Unable to pay off personal debt
- Unable to save for a deposit
- Wanting to build their first home but couldn’t secure a loan
- Lack of structure and planning for household cash flow
“People always told me never to let anyone else budget your money but there is an exception with Alyssa and Andrew. My partner and I have been able to purchase our first home and pay off my bad debt, and I have more money than I’d ever think I’d have especially being an apprentice! The best part is that they don’t control your money you have free range of your money if you need it.”


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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The RBA just lifted the cash rate to 4.60%. The highest in almost 15 years.
And right on cue, the conversation becomes:
Call your broker. Fix your rate.
Absolutely, talk to your broker. 𝐁𝐮𝐭 𝐝𝐨𝐧'𝐭 𝐬𝐭𝐨𝐩 𝐭𝐡𝐞𝐫𝐞.
Your broker can review your mortgage, your rate and your repayment options.
But your broker isn't your finance coach. They can't build your buffer, show you where your money's going or tell you whether your family could absorb the next rate rise, unexpected bill or bad month.
That's your job.
After nearly a decade of coaching families, we've seen it over and over. The households that cope best aren't necessarily the ones earning the most. 𝐓𝐡𝐞𝐲'𝐫𝐞 𝐭𝐡𝐞 𝐨𝐧𝐞𝐬 𝐰𝐡𝐨 𝐤𝐧𝐨𝐰 𝐭𝐡𝐞𝐢𝐫 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐚𝐧𝐝 𝐡𝐚𝐯𝐞 𝐚 𝐩𝐥𝐚𝐧.
If a 0.25% rate rise is enough to break your budget, the rate was never the whole problem. It didn't create the problem. It exposed it.
So yes, call your broker, 𝐭𝐡𝐞𝐧 𝐛𝐮𝐢𝐥𝐝 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭.
Because when the next financial curveball comes along, your broker won't be able to save you. 𝐘𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭 𝐢𝐬 𝐰𝐡𝐚𝐭 𝐡𝐚𝐬 𝐭𝐨 𝐡𝐨𝐥𝐝.
In our latest article, we cover:
✅ Why a 0.25% rise can tip some households into crisis
✅ Why a fixed rate only delays the pain
✅ Five steps to build a budget that can absorb the next shock
𝐍𝐨 𝐩𝐥𝐚𝐧 𝐢𝐬 𝐬𝐭𝐢𝐥𝐥 𝐚 𝐩𝐥𝐚𝐧. It's just the one where the bank, the RBA and the next bad month decide for you.
👉 Read the full article: yourbudgetmates.com.au/rba-rate-rise-household-budget/
#YourBudgetMates #RBA #RateRise #BudgetCoaching #PersonalFinance ...
RBA Rate Rise: How To Build A Household Budget That Can Absorb The Shock - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Learn why an RBA rate rise exposes financial fragility, and how a proper household budget can absorb the shock and prepare you for what's next.0 CommentsComment on Facebook
Refinancing that debt into your mortgage may feel like relief today.
But you just turned $30k, $50k, $100k of short-term debt into 𝟑𝟎-𝐲𝐞𝐚𝐫 𝐝𝐞𝐛𝐭.
And now your biggest asset is your biggest liability.
After nearly 10 years coaching Australians, we've seen this pattern destroy retirements.
The hard truth? You have an overspending problem. And it needs fixing 𝐍𝐎𝐖.
Hard work today = financial freedom at 65.
Easy path today = still working at 70.
Which path are you choosing?
Get clear on your budget and stop overspending today.
Book your discovery meeting with us to learn more: www.yourbudgetmates.com.au ...
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Following yesterday's RBA rate announcement, there's more pressure on small business right now than there's been in a long time.
Mortgage rates have risen. Council rates have risen. Insurance, electricity, fuel, software, suppliers, wages, and just about everything else involved in running a business have gone up too.
And we're not watching this from the outside.
We help clients work through rising costs, mortgages, debt and cashflow pressure every single day. But we're living in the same economic environment ourselves. The business has costs. The household has costs. Both need to work, at the same time, in the same market everyone else is in right now.
That's exactly why we believe so strongly in what we do. When money gets tighter, having a plan for your cashflow isn't a luxury. It's what lets you actually see what's happening, make decisions from clarity instead of panic, and stay in control instead of just hoping next month is easier.
We're a small business too. We've got a family, bills, rising costs, and a future we're building the same way our clients are.
To every client and every professional who's supported Your Budget Mates, booked with us, referred someone, recommended us, shared a post, sent a message, or just cheered us on quietly from the sidelines: thank you. Genuinely.
Every bit of that support is the reason we're still doing this work, and still proud of it.
And here's the part worth sitting with.
If we don't support small business through periods like this, some of them simply won't be here when things ease up.
So yes, shop around. Compare. Make good financial decisions. We'd never tell you not to.
But if you value what a small business gives you, support it. Recommend it. Use it.
Because we'd love to still be here helping you sort your budget, sort your cashflow, and sort your life for a lot of years yet. But we can't do it without your support...
Thank you for supporting us. ❤️ ...
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