Seriously… Are you ready for
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.
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.
Paid off their debt and secured approval for a new home loan after 6 months on apprentice wages.
Cleared $100,000 in debt in 2 years, and are now saving over $1,000 a week towards their dream of home ownership.
Rekindled their relationship and are now more knowledgeable about their money, have over $30,000 in savings and are on track for future investing.
Are now on the same page of understanding, are able to listen to one another without judgement, and have their first holiday in years
Unlocked their investment property strategy to become debt and mortgage free in their 40โs 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.
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
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.
But what does this mean to you?
Let's explore this together and get a plan happening.
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!
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...
Four years ago, you refinanced. Consolidated $30,000 of personal debt into your home loan. New balance: $450,000. Problem solved. Life moved on. Last year you're back at the broker's office. Another $50,000 of personal debt needs fixing. Another refinance to clear debt, and while youโre at it fund your next holiday. New balance: $550,000. Problem...
Fast forward to January 2026. Past the noise of the silly season... just you, in January, a new year. A new reset. A new opportunity to begin again... Happy New year! Every January, people set big financial goals โ pay off debt, save more, buy their first home, stop stressing about money. But by mid-year, most are right back where they started....
Itโs not every day that one of your clients becomes 100% debt and mortgage free, especially in their early 40โs. We are proud to say that we have recently assisted in this experience for one of our couple clients and it was phenomenal. We planted a seed when Greta and Jason started working with us in March 2025 with a simple question. How would...
I recently had a mortgage broker reach out to me with serious concerns about their client. Here's the pattern they had witnessed: 2021: Refinanced client's personal debts into home loan. New balance: $450,000. 2024: Refinanced client's personal debts into home loan again. New balance: $550,000. October 2025: Client has more personal debt that needs...
You're Here For A Reason: Maybe it's the sleepless nights worrying about money. Maybe it's another argument with your partner about spending. Maybe it's the sinking feeling every time you check your bank balance, or the shame of being declined for a loan you desperately needed. Whatever brought you to this moment, you've felt it. That pain. That...
Be brutally honest with yourself for a second.
If you keep doing what you've been doing, 2026 will look exactly like 2025.
Same stress.
Same cycle.
Same excuses.
Same balance in your account (or less). Same arguments about money. Same feeling of being out of control.
I know that's hard to hear. But it's true.
Nothing changes if nothing changes.
You can wish things were different. You can hope they improve. You can tell yourself "this year will be better."
Or you can actually DO something about it.
The choice is yours. But you have to choose.
www.yourbudgetmates.com.au
๐ง๐ต๐ถ๐ป๐ธ๐ถ๐ป๐ด ๐ฎ๐ฏ๐ผ๐๐ ๐บ๐ฎ๐ธ๐ถ๐ป๐ด ๐ฎ๐ฌ๐ฎ๐ฒ ๐๐ผ๐๐ฟ ๐ฏ๐ฒ๐๐ ๐๐ฒ๐ฎ๐ฟ ๐๐ฒ๐? ... See MoreSee Less
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You don't accidentally eliminate debt.
You don't magically build savings.
You don't drift into financial freedom.
It only happens when you have three things: a system, a plan, and accountability.
Not motivation. Not "trying harder." Not good intentions.
A SYSTEM that works when motivation fades.
A PLAN that's specific and achievable.
ACCOUNTABILITY that keeps you moving when life gets hard.
Because here's what nobody talks about...
January motivation lasts about 3 weeks. Maybe 4 if you're lucky.
But a system? That lasts forever.
So, stop chasing the feeling of motivation and start building the structure that actually changes your life.
www.yourbudgetmates.com.au
๐ช๐ต๐ฎ๐โ๐ ๐๐ผ๐๐ฟ ๐ฝ๐น๐ฎ๐ป ๐ณ๐ผ๐ฟ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐๐๐ฐ๐ฐ๐ฒ๐๐ ๐ถ๐ป ๐ฎ๐ฌ๐ฎ๐ฒ? ... See MoreSee Less
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Every month you wait is another month of lost opportunity.
Lost savings. Lost progress. Lost momentum toward the life you actually want.
January sets the tone for your entire year. The decisions you make right now โ or the decisions you avoid making โ will determine whether December 2026 is a celebration or another year of "I wish I had..."
So let me ask you something...
What's stopping you from starting today?
Not next week. Not next month. Today.
Because the truth is, there will always be a reason to wait. Always be something "more important." Always be an excuse that sounds reasonable.
But your future self? The one living in December 2026?
They're watching what you do right now.
www.yourbudgetmates.com.au
๐๐ผ๐ปโ๐ ๐น๐ฒ๐ ๐ฎ๐ป๐ผ๐๐ต๐ฒ๐ฟ ๐๐ฒ๐ฎ๐ฟ ๐๐น๐ถ๐ฝ ๐ฎ๐๐ฎ๐โฆ ... See MoreSee Less
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๐๐ผ๐ ๐บ๐ฎ๐ป๐ ๐บ๐ผ๐ฟ๐ฒ ๐๐ฒ๐ฐ๐ฒ๐บ๐ฏ๐ฒ๐ฟ๐ ๐๐ถ๐น๐น ๐๐ผ๐ ๐๐ฎ๐๐๐ฒ?
2026 doesnโt care about your excuses. It doesnโt care that you โtriedโ last year or that life got busy. If you keep doing the same thing youโve always done then December 2026 will look exactly like December 2025.
Painful, right? That feeling when you check your bank balanceโฆ or when you realize another year has passed without progress.
Thatโs the cost of inaction.
You say youโll start next month. You say youโll save โsomeday.โ You say youโll deal with debt later. But later doesnโt exist. Later is just ๐ฎ๐ฐ๐ณ๐ฆ ๐ด๐ต๐ณ๐ฆ๐ด๐ด, ๐ฎ๐ฐ๐ณ๐ฆ ๐ญ๐ฐ๐ด๐ต ๐ฐ๐ฑ๐ฑ๐ฐ๐ณ๐ต๐ถ๐ฏ๐ช๐ต๐ช๐ฆ๐ด, ๐ฎ๐ฐ๐ณ๐ฆ ๐ณ๐ฆ๐จ๐ณ๐ฆ๐ต.
Hereโs what happens when you choose to take action:
๐ธ Debt gone
๐ฆ Savings built
๐ First home purchased
โค๏ธ Calm, confident money choices
Weโll give you the plan, the system, and the support. The rest is up to you.
Stop being lazy. Step up. Stop wishing. Start doing.
2026 is your chance to break the cycle.
Read more: yourbudgetmates.com.au/2026-the-year-you-take-control-of-your-money/ ... See MoreSee Less
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