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Hello Bailey
Your money game plan
This view puts the highest-value decisions first: current pay, upcoming bills, savings protection, loan rhythm and purchase control.
Current phase
Active
salary mode on
You're already in the ANZ role, so the dashboard is no longer in transition mode.
Monthly baseline
$1,366.82
known recurring costs
Bills to keep covered first
Move-out lens
$520/wk
rent planning baseline
Use as the early affordability test
Mode
Full-time ANZ
salary mode live
ANZ fixed-pay mode is active and the dashboard is using salary planning.
Expected pay
$2,418
per fortnight
Fixed ANZ pay baseline now in use
Protected saving
$483.67
20% of future pay
Kept out of purchase decisions
Spend + fuel
$350
per fortnight
$200 Everyday 1 (Spending) + $150 Flex Saver (Car)
Loan position
1 open$8,000
Combined balance across your loan from a $8,000 total borrowed base.
Loan progress snapshot
0% principal repaidYour fortnight: payments and payday
02 Sept to 15 Sept · Expected pay $2,418.35
Where payday goes
Everyday 2 (Bills)
Direct bills + safety buffer
Everyday 1 (Spending)
Everyday spending
Flex Saver (Car)
Petrol / car use
Cash out
Cash withdrawal
Bills top-up reserves 30 days plus partial advance funding. Transfers between accounts are not additional expenses.
Upcoming this fortnight
Next loan: $750.00 on 11 Sept.
Left from this pay
$483.67
After Bills funding, spending, petrol and cash. Before any transfer to ubank.
September projected remainder
$4,671.56
3 pays totalling $7,255.05, less $2,583.49 scheduled costs and cash. Full-month estimate, not cash available now.
Working modules
Existing features, grouped by job-to-be-done.
Log Income
PaydayAdd pay and use the move prompt before touching your accounts.
Open moduleBills
RulesRecurring costs, dates, priority and account routing.
Open modulePayments
VarianceLog money out or extra incoming and compare it against your cycle budget.
Open moduleLoan
DebtBalance, interest, principal split and payoff timing.
Open modulePurchase Check
DecisionCheck big buys before they weaken savings.
Savings
GoalsGoals first. Surplus then goes emergency.
Stocks
InvestingASX watchlist, portfolio and allocation.
Timeline
CalendarUpcoming, paid, overdue and recurring entries.
Settings
ControlANZ presets, transition settings and reminders.
Profile
AccountName, colours, setup and access.
Risk radar
Any non-essential buy should pass the purchase checker first so protected savings and bills are not touched.
Your loan is scheduled once a month on the 11th for $750. Payday routing only includes it in the fortnight where that date actually lands.
The 20% savings rule is treated as protected cash, so purchase checks cannot freely spend it.
Planning trend preview
Based on your saved bills, pay basis and the account snapshot you update at payday. This does not rely on manual daily spend logging.
Fortnight plan
$1,017
Monthly plan
$2,125
Bailey operating brief
The front page is tuned around your live ANZ pay setup, upcoming bills, protected savings, and clean money-routing decisions.
ANZ mode
Active
Full-time ANZ mode is active now.
Move-out mode
$2,080
Starter rent baseline at $520/wk before utilities.
Protected cash
$483.67
20% of every ANZ pay stays out of purchase checks.
Decision rule
Check first
Large purchases run through affordability before moving money.