Your Budget Mates - Finance Coaches Australia

20/10/2026

A mortgage is not just a loan.
Investments are not just numbers.
Debt is not just a monthly payment.

Our clients Greta & Jason were doing all the right things individually, but it wasn’t until they looked at their 𝐞𝐧𝐭𝐢𝐫𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐢𝐜𝐭𝐮𝐫𝐞 that everything clicked. Suddenly, they could see how each decision affected the next, and how all their efforts could work together to achieve their bigger goals.

That’s the power of strategy. It isn’t about a single transaction – it’s about 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐥𝐢𝐟𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭, 𝐬𝐭𝐞𝐩 𝐛𝐲 𝐬𝐭𝐞𝐩, with clarity and confidence.

Want help creating a full-picture plan? Book your discovery meeting with us today: www.yourbudgetmates.com.au

𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬

17/10/2026

Here's what's tricky about financial advice in Australia...

Your broker secures great loans. Your planner builds your wealth. Your accountant handles your tax. Each one is brilliant at what they do.

But there's a dangerous gap most people don't know exists: who's making sure it all works together for YOU? 🚨
That's where Your Budget Mates comes in. 💡

We don't replace your professionals – we compliment and coordinate with them.

When Greta & Jason came to us, we brought their broker, planner, and accountant together and asked a different question: "What's the STRATEGY for Greta & Jason’s life?"

By connecting the dots between all their expert advisors, we helped deliver an incredible achievement – Greta & Jason becoming 100% debt and mortgage free in their early 40’s. 🎉

Their professionals did outstanding work. We just made sure the entire team was on the same page.

Is anyone coordinating YOUR complete picture? 🤔

📖 Read their journey ➡️ https://yourbudgetmates.com.au/australias-fractured-financial-advice-model-greta-jasons-story-revisited/

𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬

14/10/2026

A complete finance strategy is like a road map for your money where every decision has direction and purpose.

Our clients Greta & Jason connected their debt, mortgage, and investments, and suddenly their path to freedom became clear.

Implementing their plan resulted in:

✔️ Reduced stress
✔️ Increased cashflow
✔️ Confident decision-making

Want help creating a full-picture plan? Book your discovery meeting with us today: www.yourbudgetmates.com.au

𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬

13/10/2026

𝐇𝐢𝐠𝐡 𝐢𝐧𝐜𝐨𝐦𝐞. $𝟏𝟎𝟎,𝟎𝟎𝟎 𝐢𝐧 𝐝𝐞𝐛𝐭. 𝐃𝐞𝐛𝐭-𝐟𝐫𝐞𝐞 𝐢𝐧 𝟐 𝐲𝐞𝐚𝐫𝐬. 🔥

When Dave and Michelle first walked through our door, they were done. Done with false promises, done with slick apps that delivered nothing, and done with feeling like failures despite earning a high income.

They’d spent four years with another budget provider, watching $100,000 of debt barely move. They were barely saving $50 a week, if they saved at all. A broker passed them our details, and they held onto that referral for a whole year, too scared to hope again.

But they showed up. Here’s where they are now:

✅ Over $100,000 of consumer debt cleared.
✅ Savings up from around $50 a week to over $1,000 a week.
✅ No car loans, personal loans, credit cards or AfterPay.
✅ A 5-year car loan paid off in just 9 months.
✅ A car accident along the way that didn’t derail them, because their budget was ready.
✅ Now preparing to build their forever home 🏡

There was no magic trick here, and no shortcut. We looked at their real numbers, closed down the old systems that weren’t serving them, and built a clear plan they actually owned. By the end of the first three months they were saving $200 a week, and they chose to keep going.

Michelle’s review says it best: “If you want financial freedom, support and great sounding boards give Andrew and Alyssa a call.” ❤️

Thank you to Aaron Vogt of Preferred Finance for believing in what we do and passing Dave and Michelle our details 👏

If you’re reading this and thinking wow, what a great result… what’s NOT budgeting costing you?

👉 Read the full story: https://yourbudgetmates.com.au/high-income-debt-free-budget-success-story/

Earning a high income but stuck in $100,000 of debt? See how Dave & Michelle became debt-free in two years and now save $1,000+ a week for a home.

13/10/2026

𝐒𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝. 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐝𝐨𝐰𝐧 $𝟓𝟎,𝟎𝟎𝟎+. 𝐇𝐨𝐥𝐢𝐝𝐚𝐲𝐬 𝐩𝐚𝐢𝐝 𝐮𝐩𝐟𝐫𝐨𝐧𝐭. 𝐉𝐮𝐬𝐭 𝐚 𝐛𝐮𝐝𝐠𝐞𝐭. 🔥

Luke and Carrie run their own business, which means their income changes from week to week. For most self-employed families, that makes budgeting feel almost impossible.

They didn’t need a bigger income. They needed structure and visibility around their cash flow.

Here’s where they are after two and a half years:

✅ Mortgage reduced by well over $50,000.
✅ Several family holidays, interstate and overseas, paid for in advance.
✅ Income grown year on year by setting targets and forecasting business growth.
✅ Shared goals, transparency and trust as a couple.
✅ A plan they can adjust as life changes.

There was no magic trick here, and no shortcut. Month after month, Luke and Carrie looked honestly at their numbers and directed their money on purpose. Along the way they went through personal and professional changes, and because they had a structure they could adjust, they never had to start again.

Then came the part we love most. Paying for flights with money they actually have and own, and saying yes to the kids on holiday because it was already part of the holiday budget. They went from “hoping it’ll come out in the wash” to knowing it’s accounted for.

Carrie says it helped them “dream a little bigger than we thought we could.” ❤️

Thank you, Luke and Carrie, for trusting us with your money and for sharing your story. We’re so proud of you both 👏

If you’re reading this and thinking wow, what a great result… what’s NOT budgeting costing you?

👉 Read the full story: https://yourbudgetmates.com.au/self-employed-couple-budget-success-story/

Self-employed with irregular income? See how Luke & Carrie cut their mortgage by $50,000+, took family holidays and grew their income with a budget.

13/10/2026

𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞: 𝟒𝟑𝟔 → 𝟖𝟎𝟎. 𝐈𝐧 𝟏𝟏 𝐦𝐨𝐧𝐭𝐡𝐬. 𝐍𝐨 𝐜𝐫𝐞𝐝𝐢𝐭 𝐫𝐞𝐩𝐚𝐢𝐫 𝐬𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭. 𝐉𝐮𝐬𝐭 𝐚 𝐛𝐮𝐝𝐠𝐞𝐭. 🔥

In November 2025, our client was about to refinance their mortgage to clear their debt.

Then their broker, Michael Faraonio, did something that doesn’t happen often enough. He looked past the quick fix and saw that refinancing would only treat the symptom and leave the spending untouched. So instead of writing the loan, he sent the client to us.

Here’s where they are now:

✅ Credit score up from 436 to 800.
✅ Over $30,000 in debt cleared.
✅ Now over $30,000 in available funds, with nothing owing but the mortgage.
✅ A backup buffer of nearly $10k in place.
✅ Genuine savings with consistent weekly contributions.
✅ No credit card.
✅ A cruise potentially booked for next year 🚢.

There was no magic trick here, and no shortcut. Month after month, this client sat down with us, looked honestly at where their money was going, and made small, unglamorous decisions that slowly added up. Somewhere along the way the stress of debt started to lift, and what replaced it was something they hadn’t felt in a long time: breathing room. They went from dreading what was in their account to trusting it, and from “how are we going to get through this?” to “where do we want to go next?”

Refinancing debt without fixing the habits behind it can turn your biggest asset into your biggest liability.

Thank you Michael Faraonio for being a stand-out broker. Putting your client’s long-term outcome ahead of a quick refinance is exactly why this story has the ending that it does 👏

If you’re reading this and thinking wow, what a great result… just imagine – what’s NOT budgeting costing you?

👉 Read the full story: https://yourbudgetmates.com.au/credit-score-436-to-800-in-11-months/

13/10/2026

Thank you, Luke & Carrie! 🙌

Two and a half years ago, they trusted us with their money. This week they sent us a video we’ll be keeping forever.

Self-employed. Income that changes week to week. And here’s what they’ve built:

💰 Mortgage reduced by well over $50,000
✈️ Holidays to Queensland and New Zealand paid for in advance, not on credit cards
🤝 Shared goals, transparency and trust as a couple
😌 Less friction, because they’re both on the same page
📊 A plan they can adjust as life changes

Their words: paying for flights with money they actually have and own is “very liberating.” ❤️

Thank you for letting us be part of your journey. We’re so proud of you both, and we can’t wait to keep going.

▶️ Watch their story above.

Want to know where your money is going? Book your discovery meeting now. 👇
https://yourbudgetmates.com.au/personal-budget-strategy-meeting-australia/

12/10/2026

Complete financial clarity changes everything.

By connecting all areas of their finances – debt, mortgage, investments, and cashflow – our clients, Greta & Jason could finally make the decisions that moved them toward their life goals.

💸 One plan, aligned strategy, big impact:

✔️ Paid off their home
✔️ Achieved debt freedom
✔️ Freed up cashflow
✔️ Built confidence in their decisions

Your financial freedom starts with seeing the 𝐰𝐡𝐨𝐥𝐞 𝐩𝐢𝐜𝐭𝐮𝐫𝐞, not just pieces.

Want help creating a full-picture plan? Book your discovery meeting with us today: www.yourbudgetmates.com.au

𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭 𝐌𝐚𝐭𝐞𝐬: 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 𝐅𝐨𝐫 𝐆𝐨𝐚𝐥 𝐒𝐞𝐭𝐭𝐞𝐫𝐬

12/10/2026

𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞: 𝟒𝟑𝟔 → 𝟖𝟎𝟎. 𝐈𝐧 𝟏𝟏 𝐦𝐨𝐧𝐭𝐡𝐬. 𝐍𝐨 𝐜𝐫𝐞𝐝𝐢𝐭 𝐫𝐞𝐩𝐚𝐢𝐫 𝐬𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭. 𝐉𝐮𝐬𝐭 𝐚 𝐛𝐮𝐝𝐠𝐞𝐭. 🔥

In November 2025, our client was about to refinance their mortgage to clear their debt.

Then their broker, Michael Faraonio, did something that doesn’t happen often enough. He looked past the quick fix and saw that refinancing would only treat the symptom and leave the spending untouched. So instead of writing the loan, he sent the client to us.

Here’s where they are now:

✅ Credit score up from 436 to 800.
✅ Over $30,000 in debt cleared.
✅ Now over $30,000 in available funds, with nothing owing but the mortgage.
✅ A backup buffer of nearly $10k in place.
✅ Genuine savings with consistent weekly contributions.
✅ No credit card.
✅ A cruise potentially booked for next year 🚢.

There was no magic trick here, and no shortcut. Month after month, this client sat down with us, looked honestly at where their money was going, and made small, unglamorous decisions that slowly added up. Somewhere along the way the stress of debt started to lift, and what replaced it was something they hadn’t felt in a long time: breathing room. They went from dreading what was in their account to trusting it, and from “how are we going to get through this?” to “where do we want to go next?”

Refinancing debt without fixing the habits behind it can turn your biggest asset into your biggest liability.

Thank you Michael Faraonio for being a stand-out broker. Putting your client’s long-term outcome ahead of a quick refinance is exactly why this story has the ending that it does 👏

If you’re reading this and thinking wow, what a great result… what’s NOT budgeting costing you?