Seriously… Are you ready for

Honesty?Education?Ownership?Self-Belief & Gratitude?Goal Achievement?

Let's Find Out... Can You Change?

Sort your budget, Sort your life.

Are you genuinely happy with your current financial status?

Or are you just pushing through day-by-day?

IT'S TIME FOR A LIFE RESET

We have helped hundreds of Australians to manage their money effectively, achieve their Financial Goals, Reduce Debt and Gain Confidence, Clarity and Control of their money goals.

ybm-arrow-budgeting
WE DO THIS BY...

Helping YOU to discover the amazing possibilities of your financial future,
develop positive financial habits & SMASH your financial goals!

Whether you’re looking to purchase your first home, or wanting to plan for future investment
– we can help provide strategies for all levels of financial situations.

FORMULA:

ClarityConfidenceControl

you-budget-mates-success-stories-mortgage-savings-investments-winners-budgeting

Georgia & Brayden

Paid off their debt and secured approval for a new home loan after 6 months on apprentice wages.

your-budget-mates-success-stories-mortgage-savings-investments-finance-personalised

Dave & Michelle

Cleared $100,000 in debt in 2 years, and are now saving over $1,000 a week towards their dream of home ownership.

your-budget-mates-success-stories-mortgage-savings-investments-couple-goals

Sean & Olivia

Rekindled their relationship and are now more knowledgeable about their money, have over $30,000 in savings and are on track for future investing.

your-budget-mates-family-travel-understanding-finance-spend-budget-plan-save

Derek & Lisa

Are now on the same page of understanding, are able to listen to one another without judgement, and have their first holiday in years

greta-jason-debt-free-success-story-your-budget-mates-adelaide-barossa-gawler

Greta & Jason

Unlocked their investment property strategy to become debt and mortgage free in their 40โ€™s paving the way for their future investment property journey with the right structure and foundations in place.

Our Clients become BORROWER or INVESTOR READY by gaining clarity on their personal budget and TAKING ACTION.

The BIG Question

So, WHY are you here?

The Brutal Truth

You are here because you earn good money from your wage or business,
but you are overwhelmed with financial burdens,
and feel you’re not achieving your goals,
or you don’t know where your money is going.

Most of the time, it’s all three.

But that’s ok
We’re here to help and get you sorted!

You
Are
Here
for a
REASON
Your Reason

Our Holistic Approach

Life is hectic, money is tight and the stress is real.

We get it… we have been there too.
THIS IS WHY we’re here to support you by breaking down your current financial goals into manageable steps to help you achieve them.

It’s our holistic approach.
That makes us different from the rest.

LEARN WHY
WE ARE DIFFERENT

What... Are you Working Towards?

What's Your Plan
to Achieve This?

FINANCIAL FREEDOM is everyone's goal

But what does this mean to you?

Let's explore this together and get a plan happening.

Our Big Difference

IMPORTANTLY: We take ZERO financial control away from You.
That is, we EMPOWER you to manage YOUR MONEY.

Your Budget MatesOther 'Budget' Managers
Your Weekly WageStays in your bank account.Goes into their bank account.
Financial ControlYou 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 WellbeingYour 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!

Sort your budget, sort your life.

Here’s a Tip (or Two)

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When was the last time your children saw, felt, and connected with money?

Even coins?

Are you teaching them to tap a card at point of sale? Or are you teaching them to use cash?

Would love to know in the comments below!
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"We can't believe what we've achieved."

๐—ง๐—ต๐—ฎ๐˜'๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—น๐—ถ๐—ฒ๐—ป๐˜๐˜€ ๐˜€๐—ฎ๐—ถ๐—ฑ ๐—ฎ๐—ณ๐˜๐—ฒ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ฎ๐˜‚๐—ฐ๐˜๐—ถ๐—ผ๐—ป.

Seven months earlier, they'd rejected the idea of being mortgage-free. They wanted investment properties. They wanted to grow wealth.

Now they're standing in their early 40's, completely debt-free, with their entire financial future unlocked.

๐—ช๐—ต๐—ฎ๐˜ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ? ๐—ง๐—ต๐—ฒ๐˜† ๐—ณ๐—ถ๐—ป๐—ฎ๐—น๐—น๐˜† ๐˜€๐—ฎ๐˜„ ๐˜„๐—ต๐—ฎ๐˜ ๐˜„๐—ฎ๐˜€ ๐—ฝ๐—ผ๐˜€๐˜€๐—ถ๐—ฏ๐—น๐—ฒ.

Not what they thought they wanted. What was actually possible. What would actually move them forward instead of keeping them stuck.

That's the breakthrough we create. Not forcing you toward our goals. Showing you what YOUR goals could look like with strategic positioning.

We've been doing this for 9 years. We achieved our own debt freedom in 2022. We know how to create those breakthrough moments.

๐—ช๐—ต๐—ฎ๐˜ ๐—ฏ๐—ฟ๐—ฒ๐—ฎ๐—ธ๐˜๐—ต๐—ฟ๐—ผ๐˜‚๐—ด๐—ต ๐—ฎ๐—ฟ๐—ฒ ๐—ฌ๐—ข๐—จ ๐˜„๐—ฎ๐—ถ๐˜๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ?

๐Ÿ“ž Book your discovery meeting: www.yourbudgetmates.com.au

๐Ÿ“– Read the breakthrough story: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/
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๐—–๐—Ÿ๐—œ๐—˜๐—ก

๐—–๐—Ÿ๐—œ๐—˜๐—ก๐—ง ๐—ฆ๐—จ๐—–๐—–๐—˜๐—ฆ๐—ฆ: ๐——๐—ฒ๐—ฏ๐˜-๐—™๐—ฟ๐—ฒ๐—ฒ ๐—ถ๐—ป ๐—ง๐—ต๐—ฒ๐—ถ๐—ฟ ๐—˜๐—ฎ๐—ฟ๐—น๐˜† ๐Ÿฐ๐Ÿฌโ€™๐˜€

March 2025: "We don't want to be mortgage-free. We want investment properties."

December 2025: Completely debt-free. $830,500 auction result. Zero mortgage. Zero consumer debt.

๐—ช๐—ต๐—ฎ๐˜ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐—ถ๐—ป ๐˜€๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€?

We showed them what they couldn't see.

Their investment property looked good on paper โ€“ positively geared, low rate, capital growth. But their owner-occupied loan was bleeding them dry. No tax benefit. Fixed rate about to explode their cashflow in February 2026.

๐—ช๐—ฒ ๐—บ๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ฑ ๐—ถ๐˜ ๐—ผ๐˜‚๐˜. ๐—ช๐—ฒ ๐—ฟ๐—ฎ๐—ป ๐˜๐—ต๐—ฒ ๐—ป๐˜‚๐—บ๐—ฏ๐—ฒ๐—ฟ๐˜€. ๐—ช๐—ฒ ๐˜€๐—ต๐—ผ๐˜„๐—ฒ๐—ฑ ๐˜๐—ต๐—ฒ๐—บ ๐˜๐—ต๐—ฒ ๐—ฐ๐—ฟ๐˜‚๐˜€๐—ต ๐—ฝ๐—ผ๐—ถ๐—ป๐˜ ๐˜๐—ต๐—ฎ๐˜ ๐˜„๐—ฎ๐˜€ ๐—ฐ๐—ผ๐—บ๐—ถ๐—ป๐—ด.

Then we gave our clients a choice. Not our agenda. Just clarity on what staying looked like versus what selling could unlock.
They chose freedom. We built the strategy to get there.

๐—ง๐—›๐—˜ ๐—ฅ๐—˜๐—ฆ๐—จ๐—Ÿ๐—ง:

โœ… Auction day: 20 registered bidders
โœ… Opening bid: $675,000
โœ… Final sale: $830,500 (a record for Rosewater!)
โœ… Completely debt-free in their early 40's
โœ… Family home protected
โœ… Two decades of wealth-building ahead with zero debt

๐—•๐˜‚๐˜ ๐—ต๐—ฒ๐—ฟ๐—ฒ'๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐—บ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€...

It wasn't just about the money. It was about the confidence to make a massive decision without second-guessing. It was about having someone in their corner saying "yes, you can do this" when doubt crept in.

๐—ง๐—ต๐—ฎ๐˜'๐˜€ ๐˜๐—ต๐—ฒ ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—ฏ๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐˜†. ๐—•๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—ถ๐—ป๐—ณ๐—ผ๐—ฟ๐—บ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฎ๐—ป๐—ฑ ๐˜๐—ฟ๐—ฎ๐—ป๐˜€๐—ณ๐—ผ๐—ฟ๐—บ๐—ฎ๐˜๐—ถ๐—ผ๐—ป.

We don't just help you manage money. We help you make decisions that change your life.

๐—ช๐—›๐—ฌ ๐—ง๐—›๐—œ๐—ฆ ๐—ช๐—ข๐—ฅ๐—ž๐—˜๐——:

๐Ÿ”น Seven months of strategic planning
๐Ÿ”น Scenario modelling at multiple price points
๐Ÿ”น Capital gains tax calculations before the decision
๐Ÿ”น Complete financial visibility
๐Ÿ”น Support through every moment of doubt
๐Ÿ”น Strategic positioning at exactly the right time

๐—ช๐—ฒ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—ณ๐—ผ๐—ฟ๐—ฐ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ถ๐—ป๐˜๐—ผ ๐—ฎ ๐—ฏ๐—ผ๐˜…. ๐—ช๐—ฒ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—ด๐—ถ๐˜ƒ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ด๐—ฒ๐—ป๐—ฒ๐—ฟ๐—ถ๐—ฐ ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐—ฐ๐—ฒ. ๐—ช๐—ฒ ๐—ฑ๐—ผ๐—ป'๐˜ ๐˜๐—ฎ๐—ธ๐—ฒ ๐—ฐ๐—ผ๐—ป๐˜๐—ฟ๐—ผ๐—น ๐—ผ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ป๐—ฒ๐˜†.

We give you clarity. We build your strategy. We walk beside you until you're standing in a completely different financial position.

๐—”๐—•๐—ข๐—จ๐—ง ๐—จ๐—ฆ:

As mentors who achieved debt and mortgage freedom ourselves in 2022 at 39 years old, we know this journey. We've lived it. And we know how to guide you through it.

Nine years. Hundreds of clients. Countless debt-free celebrations.

This is what we do. This is what separates us. This is why people come to us when they're ready for real results.

๐—ฌ๐—ข๐—จ๐—ฅ ๐—ง๐—จ๐—ฅ๐—ก:

What would YOUR life look like debt-free in your early 40s?

Two decades of wealth-building with no debt holding you back. Complete freedom to invest from strength. Your family home protected forever.

๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜๐—ฟ๐—ฎ๐—ป๐˜€๐—ณ๐—ผ๐—ฟ๐—บ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐˜€๐˜๐—ฎ๐—ฟ๐˜๐˜€ ๐˜„๐—ถ๐˜๐—ต ๐—ผ๐—ป๐—ฒ ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป: ๐˜๐—ผ ๐—ณ๐—ถ๐—ป๐—ฎ๐—น๐—น๐˜† ๐—ด๐—ฒ๐˜ ๐—ฐ๐—น๐—ฒ๐—ฎ๐—ฟ ๐—ผ๐—ป ๐˜„๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—ฝ๐—ผ๐˜€๐˜€๐—ถ๐—ฏ๐—น๐—ฒ.

๐Ÿ“– ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ณ๐˜‚๐—น๐—น ๐˜€๐˜‚๐—ฐ๐—ฐ๐—ฒ๐˜€๐˜€ ๐˜€๐˜๐—ผ๐—ฟ๐˜†: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/

๐Ÿ“ž ๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐˜๐—ผ ๐—ฐ๐—ฟ๐—ฒ๐—ฎ๐˜๐—ฒ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ผ๐˜„๐—ป ๐˜€๐˜‚๐—ฐ๐—ฐ๐—ฒ๐˜€๐˜€ ๐˜€๐˜๐—ผ๐—ฟ๐˜†? ๐—•๐—ผ๐—ผ๐—ธ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฑ๐—ถ๐˜€๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด: www.yourbudgetmates.com.au

๐Ÿ’ฌ ๐——๐—ฟ๐—ผ๐—ฝ ๐—ฎ ๐Ÿ™Œ ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐—ฐ๐—ผ๐—บ๐—บ๐—ฒ๐—ป๐˜๐˜€ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฑ ๐—น๐—ผ๐˜ƒ๐—ฒ ๐˜๐—ผ ๐—ฏ๐—ฒ ๐—ฑ๐—ฒ๐—ฏ๐˜-๐—ณ๐—ฟ๐—ฒ๐—ฒ ๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐Ÿฐ๐Ÿฌ๐˜€!

#DebtFree #MortgageFree #FinancialFreedom #YourBudgetMates #SuccessStory #AustralianBusiness #WealthBuilding #FinancialStrategy #DebtFreeJourney #SA #Adelaide
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Complete financial v

Complete financial visibility.

๐—ง๐—ต๐—ฎ๐˜'๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐—ฑ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜†๐˜๐—ต๐—ถ๐—ป๐—ด.

Our clients couldn't see what we could see. They were too close to it. Too invested in what they thought they wanted.

We stepped back. We showed them the full picture. The good parts and the challenging parts. The opportunities and the crush points.

When they finally SAW it clearly, the decision became obvious.

Sell the investment. Clear the home loan. Unlock their future.

$830,500 auction result. Debt-free in their early 40's.

๐—ง๐—ต๐—ถ๐˜€ ๐—ถ๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐˜„๐—ฒ ๐—ฑ๐—ผ ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜๐—น๐˜†.

We don't just crunch numbers. We create visibility. We show you what you can't see on your own. We give you the clarity that leads to confidence.

After 9 years and hundreds of clients, we know that visibility is power. When you can see clearly, you can decide confidently.

๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐˜๐—ผ ๐˜€๐—ฒ๐—ฒ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜€๐—ถ๐˜๐˜‚๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐˜„๐—ถ๐˜๐—ต ๐—ฐ๐—ผ๐—บ๐—ฝ๐—น๐—ฒ๐˜๐—ฒ ๐—ฐ๐—น๐—ฎ๐—ฟ๐—ถ๐˜๐˜†?

๐Ÿ“ž Book your discovery meeting: www.yourbudgetmates.com.au

๐Ÿ“– Read how visibility led to freedom: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/
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