The Three Stages of Money Management
Are you stuck in the "Child" stage of money management, or have you achieved true "Mastery"? Most Australians earn well but watch their money disappear due to impulsive habits. In this article, we break down the three levels of financial maturity and show you exactly how to transition from reactive spending to intentional, resilient choice. Stop...













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! ... See MoreSee Less
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"We can't believe what we've achieved."
๐ง๐ต๐ฎ๐'๐ ๐๐ต๐ฎ๐ ๐ผ๐๐ฟ ๐ฐ๐น๐ถ๐ฒ๐ป๐๐ ๐๐ฎ๐ถ๐ฑ ๐ฎ๐ณ๐๐ฒ๐ฟ ๐๐ต๐ฒ ๐ฎ๐๐ฐ๐๐ถ๐ผ๐ป.
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.
๐ช๐ต๐ฎ๐ ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ฑ? ๐ง๐ต๐ฒ๐ ๐ณ๐ถ๐ป๐ฎ๐น๐น๐ ๐๐ฎ๐ ๐๐ต๐ฎ๐ ๐๐ฎ๐ ๐ฝ๐ผ๐๐๐ถ๐ฏ๐น๐ฒ.
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.
๐ช๐ต๐ฎ๐ ๐ฏ๐ฟ๐ฒ๐ฎ๐ธ๐๐ต๐ฟ๐ผ๐๐ด๐ต ๐ฎ๐ฟ๐ฒ ๐ฌ๐ข๐จ ๐๐ฎ๐ถ๐๐ถ๐ป๐ด ๐ณ๐ผ๐ฟ?
๐ Book your discovery meeting: www.yourbudgetmates.com.au
๐ Read the breakthrough story: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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๐๐๐๐๐ก๐ง ๐ฆ๐จ๐๐๐๐ฆ๐ฆ: ๐๐ฒ๐ฏ๐-๐๐ฟ๐ฒ๐ฒ ๐ถ๐ป ๐ง๐ต๐ฒ๐ถ๐ฟ ๐๐ฎ๐ฟ๐น๐ ๐ฐ๐ฌโ๐
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.
๐ช๐ต๐ฎ๐ ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ฑ ๐ถ๐ป ๐๐ฒ๐๐ฒ๐ป ๐บ๐ผ๐ป๐๐ต๐?
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.
๐ช๐ฒ ๐บ๐ฎ๐ฝ๐ฝ๐ฒ๐ฑ ๐ถ๐ ๐ผ๐๐. ๐ช๐ฒ ๐ฟ๐ฎ๐ป ๐๐ต๐ฒ ๐ป๐๐บ๐ฏ๐ฒ๐ฟ๐. ๐ช๐ฒ ๐๐ต๐ผ๐๐ฒ๐ฑ ๐๐ต๐ฒ๐บ ๐๐ต๐ฒ ๐ฐ๐ฟ๐๐๐ต ๐ฝ๐ผ๐ถ๐ป๐ ๐๐ต๐ฎ๐ ๐๐ฎ๐ ๐ฐ๐ผ๐บ๐ถ๐ป๐ด.
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.
๐ง๐๐ ๐ฅ๐๐ฆ๐จ๐๐ง:
โ Auction day: 20 registered bidders
โ Opening bid: $675,000
โ Final sale: $830,500 (a record for Rosewater!)
โ Completely debt-free in their early 40's
โ Family home protected
โ Two decades of wealth-building ahead with zero debt
๐๐๐ ๐ต๐ฒ๐ฟ๐ฒ'๐ ๐๐ต๐ฎ๐ ๐ฟ๐ฒ๐ฎ๐น๐น๐ ๐บ๐ฎ๐๐๐ฒ๐ฟ๐...
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.
๐ง๐ต๐ฎ๐'๐ ๐๐ต๐ฒ ๐ฑ๐ถ๐ณ๐ณ๐ฒ๐ฟ๐ฒ๐ป๐ฐ๐ฒ ๐ฏ๐ฒ๐๐๐ฒ๐ฒ๐ป ๐ฎ๐ฑ๐๐ถ๐ฐ๐ฒ ๐ฎ๐ป๐ฑ ๐๐๐ฟ๐ฎ๐๐ฒ๐ด๐. ๐๐ฒ๐๐๐ฒ๐ฒ๐ป ๐ถ๐ป๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป ๐ฎ๐ป๐ฑ ๐๐ฟ๐ฎ๐ป๐๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป.
We don't just help you manage money. We help you make decisions that change your life.
๐ช๐๐ฌ ๐ง๐๐๐ฆ ๐ช๐ข๐ฅ๐๐๐:
๐น Seven months of strategic planning
๐น Scenario modelling at multiple price points
๐น Capital gains tax calculations before the decision
๐น Complete financial visibility
๐น Support through every moment of doubt
๐น Strategic positioning at exactly the right time
๐ช๐ฒ ๐ฑ๐ผ๐ป'๐ ๐ณ๐ผ๐ฟ๐ฐ๐ฒ ๐๐ผ๐ ๐ถ๐ป๐๐ผ ๐ฎ ๐ฏ๐ผ๐ . ๐ช๐ฒ ๐ฑ๐ผ๐ป'๐ ๐ด๐ถ๐๐ฒ ๐๐ผ๐ ๐ด๐ฒ๐ป๐ฒ๐ฟ๐ถ๐ฐ ๐ฎ๐ฑ๐๐ถ๐ฐ๐ฒ. ๐ช๐ฒ ๐ฑ๐ผ๐ป'๐ ๐๐ฎ๐ธ๐ฒ ๐ฐ๐ผ๐ป๐๐ฟ๐ผ๐น ๐ผ๐ณ ๐๐ผ๐๐ฟ ๐บ๐ผ๐ป๐ฒ๐.
We give you clarity. We build your strategy. We walk beside you until you're standing in a completely different financial position.
๐๐๐ข๐จ๐ง ๐จ๐ฆ:
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.
๐ฌ๐ข๐จ๐ฅ ๐ง๐จ๐ฅ๐ก:
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.
๐ฌ๐ผ๐๐ฟ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐๐ฟ๐ฎ๐ป๐๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป ๐๐๐ฎ๐ฟ๐๐ ๐๐ถ๐๐ต ๐ผ๐ป๐ฒ ๐ฑ๐ฒ๐ฐ๐ถ๐๐ถ๐ผ๐ป: ๐๐ผ ๐ณ๐ถ๐ป๐ฎ๐น๐น๐ ๐ด๐ฒ๐ ๐ฐ๐น๐ฒ๐ฎ๐ฟ ๐ผ๐ป ๐๐ต๐ฎ๐'๐ ๐ฎ๐ฐ๐๐๐ฎ๐น๐น๐ ๐ฝ๐ผ๐๐๐ถ๐ฏ๐น๐ฒ.
๐ ๐ฅ๐ฒ๐ฎ๐ฑ ๐๐ต๐ฒ ๐ณ๐๐น๐น ๐๐๐ฐ๐ฐ๐ฒ๐๐ ๐๐๐ผ๐ฟ๐: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/
๐ ๐ฅ๐ฒ๐ฎ๐ฑ๐ ๐๐ผ ๐ฐ๐ฟ๐ฒ๐ฎ๐๐ฒ ๐๐ผ๐๐ฟ ๐ผ๐๐ป ๐๐๐ฐ๐ฐ๐ฒ๐๐ ๐๐๐ผ๐ฟ๐? ๐๐ผ๐ผ๐ธ ๐๐ผ๐๐ฟ ๐ฑ๐ถ๐๐ฐ๐ผ๐๐ฒ๐ฟ๐ ๐บ๐ฒ๐ฒ๐๐ถ๐ป๐ด: www.yourbudgetmates.com.au
๐ฌ ๐๐ฟ๐ผ๐ฝ ๐ฎ ๐ ๐ถ๐ป ๐๐ต๐ฒ ๐ฐ๐ผ๐บ๐บ๐ฒ๐ป๐๐ ๐ถ๐ณ ๐๐ผ๐'๐ฑ ๐น๐ผ๐๐ฒ ๐๐ผ ๐ฏ๐ฒ ๐ฑ๐ฒ๐ฏ๐-๐ณ๐ฟ๐ฒ๐ฒ ๐ถ๐ป ๐๐ผ๐๐ฟ ๐ฐ๐ฌ๐!
#DebtFree #MortgageFree #FinancialFreedom #YourBudgetMates #SuccessStory #AustralianBusiness #WealthBuilding #FinancialStrategy #DebtFreeJourney #SA #Adelaide ... See MoreSee Less
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Complete financial visibility.
๐ง๐ต๐ฎ๐'๐ ๐๐ต๐ฎ๐ ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ฑ ๐ฒ๐๐ฒ๐ฟ๐๐๐ต๐ถ๐ป๐ด.
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.
๐ง๐ต๐ถ๐ ๐ถ๐ ๐๐ต๐ฎ๐ ๐๐ฒ ๐ฑ๐ผ ๐ฑ๐ถ๐ณ๐ณ๐ฒ๐ฟ๐ฒ๐ป๐๐น๐.
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.
๐ฅ๐ฒ๐ฎ๐ฑ๐ ๐๐ผ ๐๐ฒ๐ฒ ๐ฌ๐ข๐จ๐ฅ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐๐ถ๐๐๐ฎ๐๐ถ๐ผ๐ป ๐๐ถ๐๐ต ๐ฐ๐ผ๐บ๐ฝ๐น๐ฒ๐๐ฒ ๐ฐ๐น๐ฎ๐ฟ๐ถ๐๐?
๐ Book your discovery meeting: www.yourbudgetmates.com.au
๐ Read how visibility led to freedom: www.yourbudgetmates.com.au/debt-mortgage-free-in-their-40s-greta-jasons-your-budget-mates-story/ ... See MoreSee Less
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