The Difference is
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
IMPORTANTLY: We take ZERO financial control away from You.
That is, we EMPOWER you to manage YOUR MONEY.
| Your Budget Mates | Other 'Budget' Managers | |
|---|---|---|
| Your Weekly Wage | Stays in your bank account. | Goes into their bank account. |
| Financial Control | You stay in full control of your money, always with our support and a budget to realign your goals. | Zero control, limited education. You outsource everything including your financial responsibility. |
| Your Wellbeing | Your personal wellbeing on financial stress, anxiety, fear and achieving goals is a CORE focus of what we do. | Pure number cruncher factory for their fees. |
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.
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Many Australians in their 20s, 30s, and 40s choose "easy" financial habits today—such as overspending or refinancing personal debt into 30-year mortgages—only to face a "hard" retirement. By shifting from reactive to proactive money management, individuals can secure a debt-free retirement, avoid the "renting at 70" crisis, and build lasting...
Earning good money but stuck in a credit card cycle? Discover how Jo and Ryan went from financial stress to clarity, savings and confidence in just 12 months with a Your Budget Mates 12-month plan. #FinancialGoals
When most people hear the word "budget," they cringe. They think of spreadsheets. Restrictions. Being told what they can and can't spend. Boring meetings about numbers. Apps that track every coffee purchase. Someone else controlling their money. That's not what we do. If you're looking for someone to take control of your money, pay your bills for...
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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