Enter PIN to access
Tee & Tay Finance Dashboard
Income $8,284
Bills $1,108
Net $7,176
Barefoot Rule — know your fortnightly position
I earn $8,284/fn, spend $4,198/fn on bills, save $4,000/fn for Fiji, and have $2,000 saved toward my $10,000 goal with 21 days to go.
Fiji Savings Tracker — Jun 1 2026
Saved so far
$ 20%
of $10,000 goal
$8,000
still needed
21
days to go
Behind
save $4k/fn
$2,000 of $10,000
Deposit tracker — tap to mark paid
Current
$2,000
15 May
$4,000
29 May
$4,000
Morgan Housel
Psychology of Money
"Wealth is what you don't see. It's the cars not bought, the holidays not taken, the upgrades declined — options saved for later."
Morgan Housel
Psychology of Money
"Financial success is not a hard science. It's a soft skill — how you behave matters more than what you know."
Scott Pape
Barefoot Investor
"The goal isn't to be rich. It's to be free."
Scott Pape
Barefoot Investor
"You don't need to earn more. You need to stop the leaks. Small amounts, consistently saved, beat big windfalls every time."
Income this fortnight (baseline)
ok
Y
Lighthouse
Fortnightly Thu 1 May
$4,200
BASELINE
ok
O
DCC
Fortnightly Wed 29 Apr
$1,958
BASELINE
ok
NZ
Mealamu Security
Weekly via Wise — $563/wk
$1,126
CONFIRMED
ok
B
Board (Lita & Vince)
$350/wk x 2 = fortnightly
$700
Total income (fn) $8,284
Upcoming bills & pay — May 2026
⠿
ok
1
May
Lighthouse Pay + Fiji $4k
Transfer $4,000 to Investment $ ****4089
~$4,200
⠿
ok
4
May
Aussie Broadband
Internet monthly
$79
⠿
ok
8
May
Traffic Infringement
OVERDUE since 8 May — amount TBC — check QLD Traffic Infringement notice
$0
OVERDUE
⠿
ok
8
May
ARMA Repayment
$172 total remaining — nearly done
$42
⠿
ok
12
May
Drivers Note App
Logbook subscription — monthly
$17
⠿
ok
13
May
DCC Pay
Fortnightly to Daily Expenses ****0697
~$1,958
⠿
ok
15
May
Lighthouse Pay + Fiji $4k
Transfer $4,000 to Investment $ ****4089
~$4,200
⠿
ok
18
May
Optus Phone
Monthly
$39
⠿
ok
19
May
Origin Gas
OVERDUE $201 — gas bill — pay immediately
$201
OVERDUE
⠿
ok
20
May
SPER Repayment
$65.92/fn — 10 debts — $3,618.33 total — ends Jun 2028
$65.92
⠿
ok
20
May
Origin Energy
Electricity monthly
~$260
⠿
ok
24
May
Vehicle Rego 531WPE
EXPIRED 4 May — direct debit REJECTED — pay NOW to drive legally
$72.80
OVERDUE
⠿
ok
27
May
Claude.ai
Subscription monthly
$34
⠿
ok
28
May
Spotify
Music subscription — monthly
$22.99
⠿
ok
29
May
Water Bill — Part 2
From 29 May pay
$200
⠿
ok
29
May
Lighthouse Pay + FINAL Fiji $4k
Last deposit — $10k target reached ✓
~$4,200
⠿
ok
30
May
Water Bill — Part 1
From 15 May pay
$200
⠿
ok
7
Jun
Disney Plus
Streaming subscription — monthly
$10
⠿
ok
Jul
2026
Linkt Debt — Post-Fiji
$179.85 owing — deferred — pay on return from Fiji
$179.85
Total bills due $786.80
Still to pay $786.80
Bill planner — next 4 weeks
Financial tips
Weekly recurring expenses
⠿
ok
R
Rent
DC Group Trust weekly
$680
⠿
ok
C
Car Note
Money3 weekly
$82
⠿
ok
F
Fuel (2 cars)
$140/fn = $70/wk
$70
⠿
ok
G
Groceries / Food
$300/wk — Woolworths, Coles etc.
$300
⠿
ok
G
Fitness Cartel
$45.90 fortnightly = $22.95/wk
$22.95
⠿
ok
T
Linkt Tolls
$179.85 owing — deferred until post-Fiji (Jul 2026)
$20
⠿
ok
E
ASSCS Study
$60/fn = $30/wk — ends Sep 2026
$30
⠿
ok
W
Water provision
$300/qtr provisioned weekly
$23
Tee (fortnightly) $1,007.95
Payday checklist
1
Pay yourself firstSplit immediately: 60% Daily Expenses ****0697 · 10% Splurge ****9800 · 10% Mojo ****4003 · 10% Fire Ext ****8937 · 10% Investment ****4089
2
Transfer $4,000 to Investment $ ****4089Fiji deposit — do this before anything else on Lighthouse paydays
3
Check upcoming bills this fortnightReference the upcoming list above. Confirm all bills are funded.
4
Debt domino paymentARMA $42/fn → SPER $65.92/fn → Car Note $164/fn
5
Update this dashboardTick off paid items, update Fiji dot, check net worth
Barefoot Investor bucket allocations
Auto-calculated from income above — or override here
$
Daily Expenses60%
Rent, groceries, utilities, subscriptions, transport
enter income above
Splurge10%
Eating out, hobbies, entertainment — guilt-free
—
Mojo10%
Emergency fund — $1,000 target. Untouchable.
—
Fire Extinguisher10%
Debt payoff first → then property deposit
—
Investment $10%
Grow wealth — Fiji savings now, property deposit next
—
Super (AUS)Auto
11.5% employer SG — grows every pay cycle automatically
$17,624 current balance
KiwiSaver (NZ)Auto
6% employee + ~4% employer via Mealamu. First home deposit weapon.
$48,374.03 current balance
Bucket health check
Daily Expenses ****0697
NEEDS TOP UP
$-165.91
Below $0 — top up from income
Splurge ****9800
ACTIVE
$51.14
$51 of $828 fortnightly budget
Mojo ****4003
START BUILDING
$0.01
$0 of $1,000 target — 0% built
Fire Extinguisher ****8937
KILL ARMA FIRST
$0.93
Domino order: ARMA → SPER → Car Note
Investment $ ****4089
FIJI PHASE
$0.40
$0 of $24,000 Fiji target — 0% complete
Barefoot daily habits —
✓
1. Pay yourself FIRST
Transfer bucket amounts the moment pay lands. Savings before bills — always. Non-negotiable Barefoot.
✓
2. Know your 5 numbers
Daily Expenses ****0697 · Splurge ****9800 · Mojo ****4003 · Fire Ext ****8937 · Days until next payday.
✓
3. Every dollar has a job
Daily Expenses → ****0697 · Splurge → ****9800 · Mojo → ****4003 · Fire Ext → ****8937 · Investment → ****4089.
✓
4. Find one money leak
Check transactions: duplicate subscriptions, Uber Eats over $50, grocery trips over 4/week, any bank fee.
✓
5. Barefoot Date Night
One drink, 30 mins, sit with Tay. Check buckets, upcoming bills, Fiji progress, next debt to domino. Monthly minimum.
0 of 5 complete today
2026–2027 — The Foundation Years
Save. Hustle.
Be Frugal.
Build the money system. Grow Start AU. Stack cash.
China can wait — April 2027 from a position of strength.
2 COMPLETE 2 ACTIVE 5 UPCOMING
Goals Timeline
✓
Bali TripFeb 2026
First big trip of the year — done
DONE
✓
Start AU App Launch2026
App live — building toward $300K Year 1 revenue
DONE
→
Fiji HolidayJun 1 2026
$10,000 target — $2,000 saved, 2 more $4k deposits to go
ACTIVE
⚑
Mojo — Emergency FundOngoing
$1,000 target — untouchable. Not a sale. Not a holiday. Never.
ACTIVE
◎
Implement Barefoot System FullyJul 2026
On return from Fiji — all 5 buckets running on autopilot. No exceptions.
NEXT
◎
Vietnam TripDec 2026
Budget $3,000–$4,000 — earmark from Splurge + savings by Oct
UPCOMING
◎
Contact Mortgage Broker — Perth PropertyDec 2026
Get on the property ladder — Perth is affordable, low pricing entry point
UPCOMING
▷
Canton Fair — ChinaApr 2027
Deferred — go from a position of strength with systems + savings in place
2027
Mojo — Emergency Fund
Untouchable except for a true emergency.
Not a sale. Not a holiday. Never.
$ 0%
of $1,000 target
$0$1,000
$250
25%
$500
50%
$750
75%
$1K
DONE
$14,999.99 to go Building
Start AU — Year 1 Revenue Goal
$ of $300,000
~$25,000/month needed to hit target · update as revenue comes in
0% complete $300,000 to go
Senior Advisor — Your 2026/27 Play
Skip Canton Fair 2026 — right call. Get Barefoot running properly post-Fiji, stack your Mojo and Fire Extinguisher, and let Start AU compound. By April 2027 you'll land in China with $20K+ in savings, a mortgage broker conversation underway, Vietnam ticked off, and real business revenue to show. That's negotiating from strength, not hope. Save aggressively. Stay frugal. Every dollar now is leverage later.
Tax Agent — AUS & NZ
Know what you owe.
Dual income — AUS (DCC + Lighthouse) and NZ (Mealamu). Enter your fortnightly income below for a live tax estimate. Lodge by 31 Oct 2026 (AUS) and 7 Jul 2026 (NZ).
Australia — FY2025-26 Tax Estimate
$ /fn → annual $0
Enter your total AUS fortnightly gross income (DCC + Lighthouse combined)
Est. Annual Tax
$0
Take-Home (Annual)
$0
Bracket breakdown
Includes Medicare Levy (2%). Excludes HECS/HELP. Estimate only — consult your tax agent.
New Zealand — FY2025-26 Tax Estimate (Mealamu)
NZD $ /fn → annual NZD $0
Est. Annual Tax (NZD)
NZD $0
Take-Home (NZD Annual)
NZD $0
Bracket breakdown
Key Tax Dates
NZ FY ends31 Mar 2026
NZ IR3 lodge by7 Jul 2026
AUS FY ends30 Jun 2026
AUS lodge by (self)31 Oct 2026
AUS lodge by (tax agent)May 2027
Documents to Collect
Payment summaries / income statements (DCC + Lighthouse)
Mealamu NZ income records
Bank interest statements (all accounts)
Work-related expense receipts
Vehicle logbook / fuel receipts (if claiming)
Phone/internet bills (if partial work use)
Super (AUS) contribution confirmation
KiwiSaver annual statement (NZ)
TFN (AUS) + IRD number (NZ)
Bill Scanner
Photo → Calendar.
Take a photo of any bill, invoice, or statement. It'll be parsed automatically and added to your Google Calendar with one tap.
Last updated: —
Strengths
  • 3 income streams — $8,284/fn baseline
  • Mealamu $563/wk steady regardless of shifts
  • Board covers half of rent
  • Low debt load — no mortgage, no credit cards
  • KiwiSaver $48,374 growing — future property deposit weapon
  • ARMA nearly cleared — $172 left, then that cash is freed up
Weaknesses
  • Zero buffer — accounts hit $0 between pays
  • Spending leaks: Uber Eats, impulse buys, daily convenience runs
  • No emergency fund — Mojo bucket still building
  • Fiji savings behind — $2k saved vs $10k target with 3 weeks to go
Opportunities
  • ATO refund ~$6,000 — lodge NOW
  • Post-Fiji: $4k/fn redirects to property deposit ($28k+ Jun–Dec)
  • FHSS scheme — voluntary super contributions up to $50k for first home
  • KiwiSaver Trans-Tasman portability for Perth property deposit
  • Start AU app — $300K Year 1 revenue target unlocks everything
Threats
  • Energy drink habit — buying at service stations ($5/visit daily = $1,800+/yr). Switch to bulk at Costco or IKEA and save $1,400+ a year instantly
Your financial snapshot
Bucket Calculator — enter income
$
Daily Expenses 60% —
Splurge 10% —
Mojo 10% —
Fire Ext. 10% —
Investment 10% —
Total accounted for —
Transfer these amounts the moment pay lands. Non-negotiable.
Your wealth picture
Super (AUS) $17,624.00
KiwiSaver (NZ) $48,374.00
Daily Expenses ****0697 $0.01
Investment $ ****4089 $0.01
Mojo ****4003 $0.93
Fire Ext. ****8937 $0.00
Splurge ****9800 $0.00
Total tracked wealth $65,998.95
Fire Extinguisher — Debt Dominos
Kill smallest first. Every payment freed up attacks the next one.
1
ARMA
$172 left — almost gone
2
SPER
10 debts · $3,618.33 total · ends Jun 2028
$65.92/fn
3
Car Note (Money3)
$164/fn — last
Once all clear → redirect to property deposit
Financial Health Score
Live snapshot — Fiji gauge updates as you save.
0%
FIJI GOAL
0%
DEBT CTRL
0%
PLAN SCORE
"Money is a servant. Tell it where to go, or it will leave." — Bob Proctor
Bank Statement Analyzer
Upload CommBank CSV for financial advisor insights
+
↑
Click to upload or drag & drop your CommBank CSV
Export from CommBank: Accounts → Transaction History → Export CSV. Works with any of your 5 accounts.
Click to edit values — totals auto-recalculate — tick = paid
Tee Dashboard |