Income this fortnight (baseline)
ok
Lighthouse
$4,200
BASELINE
ok
DCC
$1,958
BASELINE
ok
Mealamu Security
$1,126
CONFIRMED
ok
Board (Lita & Vince)
$700
ok
Tay
$300
Total income (fn)
$8,284
Upcoming bills & pay — May 2026
⠿
ok
1
May
Lighthouse Pay + Fiji $4k
~$4,200
⠿
ok
4
May
Aussie Broadband
$79
⠿
ok
8
May
Traffic Infringement
$0
OVERDUE
⠿
ok
8
May
ARMA Repayment
$42
⠿
ok
12
May
Drivers Note App
$17
⠿
ok
13
May
DCC Pay
~$1,958
⠿
ok
15
May
Lighthouse Pay + Fiji $4k
~$4,200
⠿
ok
18
May
Optus Phone
$39
⠿
ok
19
May
Origin Gas
$201
OVERDUE
⠿
ok
20
May
SPER Repayment
$65.92
⠿
ok
20
May
Origin Energy
~$260
⠿
ok
24
May
Vehicle Rego 531WPE
$72.80
OVERDUE
⠿
ok
27
May
Claude.ai
$34
⠿
ok
28
May
Spotify
$22.99
⠿
ok
29
May
Water Bill — Part 2
$200
⠿
ok
29
May
Lighthouse Pay + FINAL Fiji $4k
~$4,200
⠿
ok
30
May
Water Bill — Part 1
$200
⠿
ok
7
Jun
Disney Plus
$10
⠿
ok
Jul
2026
Linkt Debt — Post-Fiji
$179.85
Total bills due
$786.80
Still to pay
$786.80
Bill planner — next 4 weeks
Financial tips
Weekly recurring expenses
Payday checklist
⠿
ok
Rent
$680
⠿
ok
Car Note
$82
⠿
ok
Fuel (2 cars)
$70
⠿
ok
Groceries / Food
$300
⠿
ok
Fitness Cartel
$22.95
⠿
ok
Linkt Tolls
$20
⠿
ok
ASSCS Study
$30
⠿
ok
Water provision
$23
Tee (fortnightly)
$1,007.95
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
Bucket health check
Barefoot daily habits —
Auto-calculated from income above — or override here
$
Daily Expenses60%
Rent, groceries, utilities, subscriptions, transport
enter income above
→ 60% — Daily Expenses ****0697
Splurge10%
Eating out, hobbies, entertainment — guilt-free
—
→ 10% — Splurge ****9800
Mojo10%
Emergency fund — $1,000 target. Untouchable.
—
→ 10% — Mojo ****4003
Fire Extinguisher10%
Debt payoff first → then property deposit
—
→ 10% — Fire Extinguisher ****8937
Investment $10%
Grow wealth — Fiji savings now, property deposit next
—
→ 10% — Investment $ ****4089
Super (AUS)Auto
11.5% employer SG — grows every pay cycle automatically
$17,624 current balance
→ Commonwealth Essential ****1574
KiwiSaver (NZ)Auto
6% employee + ~4% employer via Mealamu. First home deposit weapon.
$48,374.03 current balance
→ NZ KiwiSaver — research Trans-Tasman portability
Daily Expenses ****0697
NEEDS TOP UP
$-165.91
Splurge ****9800
ACTIVE
$51.14
Mojo ****4003
START BUILDING
$0.01
Fire Extinguisher ****8937
KILL ARMA FIRST
$0.93
Investment $ ****4089
FIJI PHASE
$0.40
✓
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.
Be Frugal.
Build the money system. Grow Start AU. Stack cash.
China can wait — April 2027 from a position of strength.
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
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.
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