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
Tay's contributions & expenses
⠿
ok
Tay Buds
$50
⠿
ok
Tay Debt
$50
⠿
ok
Tay Phone
$0
Tay (fortnightly)
$100
Total bills (fortnightly)
$1,107.95
Upcoming bills & pay — May 2026
⠿
ok
1
May
Lighthouse Pay + Fiji $4k
~$4,200
⠿
ok
4
May
Aussie Broadband
$79
⠿
ok
8
May
ARMA Repayment
$42
⠿
ok
8
May
Tay Buds + Tay Debt
$100
⠿
ok
13
May
DCC Pay
~$1,958
⠿
ok
15
May
Lighthouse Pay + Fiji $4k
~$4,200
⠿
ok
18
May
Optus Phone
$39
⠿
ok
20
May
SPER Monthly
$160
⠿
ok
20
May
Origin Energy
~$260
⠿
ok
24
May
Vehicle Rego
$72.80
⠿
ok
27
May
Claude.ai
$34
⠿
ok
29
May
Lighthouse Pay + FINAL Fiji $4k
~$4,200
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)
$130
⠿
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 · Tay Buds $50/fn · Tay Debt $50/fn · SPER $160/mth
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 — $15,000 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
1 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
Savings tracker active — $24,000 target. Switch to Income tab to update.
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.
Strengths
- 3 income streams — $8,284/fn baseline
- Mealamu $563/wk steady regardless of shifts
- Board covers half of rent ($700 vs $1,360/fn)
- Lighthouse Sunday rate $77.81/hr — one extra shift = $623
- Low debt load — no mortgage, no credit cards
- KiwiSaver $48,374 growing — future property deposit weapon
Weaknesses
- Zero buffer — both accounts overdrawn in March
- 6 overdraft fees in 10 weeks = $90 wasted
- Spending leaks: duplicate gyms, Uber Eats, mystery Wise transfers
- Variable income — DCC/Lighthouse swing $371 to $5,355
- $5,609 in unexplained Wise transfers (Jan-Feb)
- No emergency fund
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
- ASSCS ends Sep = $60/fn freed up
- One extra Lighthouse Sunday shift = +$623/fn
- KiwiSaver Trans-Tasman portability for property
Threats
- Overdraft spiral — $15/pop compounds
- EOFY tax surprise if TFT claimed at both employers
- Lifestyle creep absorbing board increase
- Irregular bills: water ($787 last quarter), rego spikes
- Shift reduction at Lighthouse or DCC
- Wise transfers draining ~$2,800/month if ongoing