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Tee & Tay Finance Dashboard

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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 $12,000 saved toward my $24,000 goal with 32 days to go.
Click any value to edit — totals recalculate. Tick = paid. Drag between sections.
Income this fortnight
$8,284
Lighthouse + DCC + Mealamu + Board + Tay
Fixed bills (weekly)
$1,012
×2 fn = $2,024
Fortnightly surplus
$6,260
Income minus fortnightly bills
Fiji saved
$12,000
of $24,000 — departs 1 Jun 2026
Payday checklist — do this every fortnight when income lands
Step 1 — Bills account
Daily Expenses bucket
DCC auto-lands in Bills ****0697 already. Top up from Income if needed. Covers rent, fuel, groceries, utilities.
60% of income → Bills ****0697
Step 2 — Spending account
Splurge bucket
Your guilt-free money. Eating out, hobbies, entertainment. Once it's gone it's gone — no topping up.
10% of income → Spending ****9800
Step 3 — NetBank Saver
Mojo bucket
Emergency fund only. Build to $15,000 then stop. Never touch it unless a real emergency — not a sale, not a holiday.
10% of income → NetBank Saver (Mojo)
Step 4 — NetBank Saver
Fire Extinguisher
Debt first (ARMA → Tay debts → SPER → car). Once debts cleared → redirect here for property deposit.
10% of income → NetBank Saver (Fire Ext.)
Fiji phase (until 29 May)
Fiji savings — pay yourself first
Before ANYTHING else on Lighthouse pay day — transfer $4,000 to NetBank Saver. This is non-negotiable until the $24k goal is reached.
$4,000 → NetBank Saver (Fiji) on each Lighthouse payday
Income received
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Y
Lighthouse
Fortnightly Thu 1 May
$4,200
BASELINE
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O
DCC
Fortnightly Wed 29 Apr
$1,958
BASELINE
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NZ
Mealamu Security
Weekly via Wise — $563/wk
$1,126
CONFIRMED
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B
Board (Lita & Vince)
$350/wk x 2 = fortnightly
$700
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T
Tay
Household contribution fortnightly
$300
Total income (fn)$8,284
Bills — weekly amounts (enter weekly, ×2 = fortnightly)
:
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R
Rent
DC Group Trust weekly
$680
:
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C
Car Note
Money3 weekly
$82
:
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F
Fuel (2 cars)
Weekly estimate
$130
:
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G
Fitness Cartel
$45.90 fortnightly = $22.95/wk
$22.95
:
ok
T
Linkt Tolls
Weekly estimate
$20
:
ok
E
ASSCS Study
$60/fn = $30/wk — ends Sep 2026
$30
:
ok
W
Water provision
$300/qtr provisioned weekly
$23
Tee (weekly)$1,007.95
Tay's Expenses
:
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T
Tay Buds
Debt repayment fortnightly
$50
:
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T
Tay Debt
Debt repayment fortnightly
$50
:
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T
Tay Phone
Edit amount + frequency
$0
Tay (weekly)$100
Combined weekly total$1,107.95
Fortnightly cost (×2)$2,215.90
Coming up — next 30 days
:
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1
May
Lighthouse Pay + Fiji $4k
Transfer $4,000 to NetBank Saver
~$4,200
:
ok
4
May
Aussie Broadband
Internet monthly
$79
:
ok
8
May
ARMA Repayment
Debt fortnightly
$42
:
ok
8
May
Tay Buds + Tay Debt
Debt repayments fortnightly
$100
:
ok
13
May
DCC Pay
Fortnightly to Bills account
~$1,958
:
ok
15
May
Lighthouse Pay + Fiji $4k
Transfer $4,000 to NetBank Saver
~$4,200
:
ok
18
May
Optus Phone
Monthly
$39
:
ok
20
May
SPER Monthly
QLD penalties
$160
:
ok
20
May
Origin Energy
Electricity monthly
~$260
:
ok
24
May
Vehicle Rego
Monthly instalment
$72.80
:
ok
27
May
Claude.ai
Subscription monthly
$34
:
ok
29
May
Lighthouse Pay + FINAL Fiji $4k
Last deposit — $24k target reached
~$4,200
Total bills due$786.80
Still to pay$786.80
Fiji savings tracker
Saved so far
$12,000
Target
$24,000
Departs 1 Jun 2026
50% of goal
$4,000 per Lighthouse pay
ok
20 Mar
$4,000
ok
3 Apr
$4,000
ok
17 Apr
$4,000
4
1 May
$4,000
5
15 May
$4,000
6
29 May
$4,000
3
pays left
$12,000
still needed
32
days to go
On track
at $4k/fn
Bill planner — next 4 weeks
Smart tips
Barefoot daily habits —
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1. Pay yourself FIRST
$4,000 to NetBank Saver on payday, before any bill. Non-negotiable.
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2. Know your 3 numbers
Check CBA app: Bills balance, Spending balance, days until payday.
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3. Every dollar gets a job
When pay arrives: savings first, then bills, then what's left = your spending.
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4. Spot one leak today
Check for unnecessary spend: duplicate gym, Uber Eats, impulse buys.
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5. Read your one-line rule
Scroll up. Read your position sentence. Can you say it without looking?
0 of 5 complete today
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 $46,992 NZD growing (future property 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
Barefoot Investor Buckets
Enter income to calculate
$
Daily Expenses60%
Rent, groceries, utilities, subscriptions, transport
enter income above
Splurge10%
Eating out, hobbies, entertainment — guilt-free
—
Mojo10%
Emergency fund — $15,000 target. Untouchable.
—
Fire Extinguisher10%
Debt payoff first → then property deposit
—
Super (AUS)Auto
11.5% employer SG — deducted from gross automatically
KiwiSaver (NZ)Auto
6% employee + employer — via Mealamu. Balance: NZD $46,992
"Money is a servant. Tell it where to go, or it will leave."
— Bob Proctor
↑
Click to upload or drag & drop your CommBank CSV
Export from NetBank: Transaction History → Export CSV. Spending, Bills or Income account all work.
Click to edit values — totals auto-recalculate — tick = paid
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