The Difference is
Most traditional budgeting services take your weekly wage, put it into their own accounts, and pay your bills for you.
We believe that creates dependency, not freedom. As your trusted finance coach, we do things differently.
Our Australia-wide coaching service is built on education and empowerment.
We don’t take your money; we provide the financial coaching you need to manage your money, save and achieve your goals.
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
| Your Budget Mates (Financial Coaching) | Traditional Budget Managers | |
|---|---|---|
| Your Weekly Wage | Stays completely in your own bank account. | Goes into their bank account to control. |
| Financial Control | You stay in full control. An expert money coach guides your decisions. | Zero control. You outsource all your financial responsibility. |
| Education & Growth | Holistic budget coaching designed to teach you life-long money skills. | Limited education. You remain dependent on their system. |
| Location | Remote and accessible Australia-wide. | Often restricted to local physical offices. |
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.
We meet a lot of couples in their late 40's and early 50's who, on paper, are doing everything right. They've got a financial planner. They've got investments ticking along. They've got a super balance they check once or twice a year that they quietly hope is "enough." They sit down for their annual review, nod along to graphs projecting their...
Rewards points, loyalty programs, buy-now-pay-later services, fast food apps, and the latest trend – getting discounts at restaurants and bars by scanning a simple QR code – seem like great perks. Who wouldn’t want $10 off their meal or drinks, right? But have you ever stopped to think about what’s really happening? These seemingly harmless...
We hear a version of this story more often than you'd think. Two people, together a long time. Good people. Not reckless, not careless, just never actually taught how to run a household's money as a team. One of them tends to hold the anxiety – checking the balance, doing the mental maths at night, trying to keep the wheels on. The other tends to...
I've lost count of how many times I've heard a broker say it. "Don't worry, my service is free." Said with a smile. Said with confidence, usually from behind a nice desk, in an office that looks like it costs more to run than most people's mortgages. And technically, they're not lying. You don't pay them a fee out of your pocket. The lender pays...
Ask someone how they're going with money, and almost everyone says the same word. Fine. Not because it's true. Because it's easier than explaining the calculator sessions at 11pm, the redraw that quietly became grocery money, or the "I'll sort it next payday" that's been said for the last six paydays running. That's the part people miss with money...
What would you do if you found yourself debt and mortgage free by your early 40's? No more mortgage repayments. No rent. No other debts. You'd feel rich, right? $800 a week is $41,600 a year of household income you didn't have before. Do you need to invest it? Well, not if you don't want to. You're rich after all… But if you've got 20+ years of...
𝐓𝐡𝐞 𝐞𝐚𝐬𝐲 𝐰𝐚𝐲 𝐭𝐨 𝐚 𝐡𝐚𝐫𝐝 𝐥𝐢𝐟𝐞 𝐢𝐬 𝐝𝐨𝐢𝐧𝐠 𝐧𝐨𝐭𝐡𝐢𝐧𝐠.
You're 68. Still renting. Landlord just gave notice. Pension barely covers the basics. Every bill brings anxiety. Can't afford to stop working. The financial stress from your 40's? Still there. Only now you have fewer options and less energy.
𝐓𝐡𝐢𝐬 𝐢𝐬 𝐰𝐡𝐚𝐭 "𝐞𝐚𝐬𝐲 𝐧𝐨𝐰" 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐜𝐨𝐬𝐭𝐬.
Refinancing that debt into your mortgage? Feels like relief today. But you just turned $30k, $50k, $100k of short-term debt into 30-year debt. Your biggest asset is now your biggest liability.
Ignoring your spending habits? Comfortable today. Devastating at retirement.
Staying in reactive mode? Easy now. Brutal later.
𝐋𝐢𝐟𝐞'𝐬 𝐩𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐚𝐫𝐞𝐧'𝐭 𝐠𝐨𝐢𝐧𝐠 𝐚𝐧𝐲𝐰𝐡𝐞𝐫𝐞. 𝐘𝐨𝐮'𝐫𝐞 𝐣𝐮𝐬𝐭 𝐜𝐡𝐨𝐨𝐬𝐢𝐧𝐠 𝐰𝐡𝐢𝐜𝐡 𝐨𝐧𝐞𝐬 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭.
After nearly 10 years coaching Australians, we've seen it hundreds of times: people waiting until it's too late. Saying "I wish I'd done something sooner."
𝐘𝐨𝐮𝐫 𝐰𝐢𝐧𝐝𝐨𝐰 𝐢𝐬 𝐨𝐩𝐞𝐧 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰. 𝐁𝐮𝐭 𝐢𝐭'𝐬 𝐜𝐥𝐨𝐬𝐢𝐧𝐠.
Every month you delay is compounding working against you. Every year of unclear spending is another year further from freedom.
𝐘𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐬𝐞𝐥𝐟 𝐢𝐬 𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐨𝐧 𝐲𝐨𝐮. 𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐭𝐡𝐞𝐦 𝐝𝐨𝐰𝐧.
👉 Read more: yourbudgetmates.com.au/the-easy-way-to-a-hard-life/ ...
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"𝐈 𝐖𝐢𝐬𝐡 𝐖𝐞'𝐝 𝐃𝐨𝐧𝐞 𝐓𝐡𝐢𝐬 𝐒𝐨𝐨𝐧𝐞𝐫"
Almost every couple says this when they finally sit down with us.
Not because they were broke. Because they stayed in 𝐫𝐞𝐚𝐜𝐭𝐢𝐯𝐞 𝐦𝐨𝐝𝐞 until things got painful.
Reactive living keeps you stuck. Active decisions create options. 💡
The people who take action before hitting rock bottom? They tell us the same thing:
"I wish I'd done this years ago."
The difference isn't circumstances. It's the choice about when to act.
If you're thinking "we should probably do something"... That's your sign.
Ready to get started? Book your discovery meeting with us today: www.yourbudgetmates.com.au ...
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𝐆𝐨𝐭 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧… 𝐛𝐮𝐭 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐧𝐞𝐫 𝐧𝐞𝐯𝐞𝐫 𝐚𝐬𝐤𝐞𝐝 𝐭𝐨 𝐬𝐞𝐞 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭? 🤔
Seriously?
How do you build a financial plan for someone without first understanding what their money is actually doing?
How much comes in.
How much goes out.
What gets spent.
What gets wasted.
What gets saved.
What debt is being paid down.
And, perhaps most importantly, 𝐰𝐡𝐚𝐭’𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐥𝐞𝐟𝐭 𝐚𝐭 𝐭𝐡𝐞 𝐞𝐧𝐝 𝐨𝐟 𝐭𝐡𝐞 𝐦𝐨𝐧𝐭𝐡?
A financial plan can look fantastic on paper.
Investments. Super. Insurance. Property. Retirement projections. The whole lot. But if the underlying cashflow doesn’t stack up, you’ve potentially built a very pretty plan on a very shaky foundation.
And this is where we think the humble 𝐛𝐮𝐝𝐠𝐞𝐭 gets seriously overlooked.
Your budget isn't just about cutting back on takeaway coffees and telling yourself you shouldn't have bought those shoes.
It is the 𝐫𝐞𝐚𝐥-𝐰𝐨𝐫𝐥𝐝 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐛𝐞𝐡𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐠𝐫𝐞𝐚𝐭𝐞𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧.
If your financial planner hasn't asked to see your budget or understand your actual cashflow… 𝐌𝐚𝐲𝐛𝐞 𝐭𝐡𝐚𝐭'𝐬 𝐚 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐰𝐨𝐫𝐭𝐡 𝐚𝐬𝐤𝐢𝐧𝐠.
👉 We’ve unpacked exactly what can happen when financial planning is done without a budget.
Read the full article here: yourbudgetmates.com.au/financial-planning-without-a-budget-what-happens/
𝐒𝐨𝐫𝐭 𝐲𝐨𝐮𝐫 𝐛𝐮𝐝𝐠𝐞𝐭. 𝐒𝐨𝐫𝐭 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞.
#FinanceCoach #MoneyCoach #BudgetCoach #FinancialPlanning #YourBudgetMates ...
Financial Planning Without A Budget: What Happens When A Financial Plan Has No Budget To Stand On? - Finance Coach Australia-Wide | Money & Finance Coaching
yourbudgetmates.com.au
Got a financial planner but no budget underneath it? Here's what actually happens to your retirement plan – and how to fix it before it's too late.0 CommentsComment on Facebook
𝐋𝐢𝐟𝐞'𝐬 𝐏𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐀𝐫𝐞𝐧'𝐭 𝐆𝐨𝐢𝐧𝐠 𝐀𝐧𝐲𝐰𝐡𝐞𝐫𝐞.
You're just choosing which ones you want.
The problem of building new money habits now? Or the problem of financial stress in retirement?
Saying no to some spending today? Or having no choices tomorrow?
Not choosing is still a choice. And it's usually a choice for harder problems down the track.
Every month you delay is compounding working 𝐚𝐠𝐚𝐢𝐧𝐬𝐭 you instead of for you.
Your window is open right now. But it's closing. ⏳
For your best chances at an amazing retirement, sort your budget now.
Book your discovery meeting with us to learn more: www.yourbudgetmates.com.au ...
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