About The Missing Memo Checklist
The money memo nobody hands you between finishing uni and owning a front door.
Two pages. 24 ticks. Free forever.
Also includes the one-page Payday Split Sheet (Bills · Spend · Save boxes with the sums, the Sunday setup checklist, the bonus-condition checker and the subscription audit table), the one-page Real Pay Rise Sheet (the rise minus inflation sum, the three-line payslip adder, the salary-sacrifice strip, the First Home Super Saver tracker and the super checklist) and the one-page Creep Sheet (find where your last raise went, the old-salary test and the half-the-rise auto-transfer setup). Works in any currency.
What's inside
- The two-number sum: your salary × 5 = your ceiling. The only number that matters when you're scrolling listings at 11pm.
- Stage 1 · Just finished uni: take-home pay, three accounts, HECS, one super fund, the $1,000 buffer.
- Stage 2 · First real job: the real pay rise (minus inflation), payday automation, FHSS, subscriptions audit, credit score.
- Stage 3 · Renting: the 30% rule, your rights, contents insurance, the "later trap".
- Stage 4 · Saving the deposit: the six ways to buy without 20%: 5% Deposit Scheme, FHSS, First Home Owner Grant, stamp duty relief, Help to Buy, guarantor.
- Stage 5 · Buying: pre-approval, hidden costs, strata reports, the ceiling not the dream.
- Official links: firsthomebuyers.gov.au, Moneysmart, the ATO and your state revenue office.
How it works
Pop your email in at checkout and the PDF lands in your inbox and on screen straight away. Print it or tick it on your tablet. Education only, not financial advice.
