Financial Pulse

// PERSONAL CFO · ZERO JUDGMENT · FULL CLARITY

THU 8 OCT 2026
--:--:--
Survival
$1,033
bills covered · rego/repairs building
Income Hub
$1,195
after pending · next pay ~26 Aug
Loan Balance
$5,600
8.79% p.a. · $63.14/fn auto
Loan Payoff
Aug 2027
at $263/fn · $211 interest total
Emergency Fund
$2,600
+$300/pay · 26% of $10k goal
Savings
$5,206
+$50/pay · untouched ✓
GoWod Provision
~$402
Licence $230 (21 Nov) · GoWod $105 (27 Nov) · Battle.net ~$67
⚡ Action Items
→Claude Pro, Audible, Stan all moved to Survival ✓ — all three still hitting Income Hub. This week.
→Cancel Google Cloud — work use, not worth keeping. Cancel before next billing cycle.
→Pay rule stays boosted until rego, licence & brake quote all resolved — then revert to $650/$300/$100 + EMM loan attack.
→Car rego ~$900 due 21 Sep + licence renewal ~$80–120 + brake pads/repairs TBC — quote pending. Survival is building to cover all of these.
→Nov flags: Battle.net resumes (~$67, 3-monthly) · GoWod renews $104.99 (27 Nov) · Stan back to $32 (~Sep).
→Employer repayment $1,880 still not started — $271/pay when it hits. Watch every payslip.
🧾 Tax Deductions — Claim Next FY
Nearpod (ed tech, work)$142.59
Google Cloud (work dev)$25.00
EzyReg SA (MFS driver's report)$22.00
CFS training fuel — Port Wakefield (keep receipts)~$65.37
⚡ Bills Due Next 7 Days — From Survival
Rent
Mon 12 Oct · Survival
AUTO$215.00
Rent
Mon 19 Oct · Survival
AUTO$215.00
Spotify
~Mon 19 Oct · Survival
AUTO$15.99
ChatGPT
~Mon 19 Oct · Survival
AUTO$12.54
Personal Loan (auto)
~Tue 20 Oct · Income Hub
AUTO$63.14
TOTAL TO NEXT PAY $521.67
✓ Survival ~$803 — all covered, ~$281 buffer at next pay.
📊 Weekly Pulse
📅 Monthly Snapshot
🗓 Bill Calendar
✍️ Log Spending
🔄 Subscriptions
💳 Debt Attack
🤔 Can I Afford It?
Weekly pulse
Aug/Sep bills
Subscription audit
Debt attack
Pay rule check
Loan attack plan
Can I afford it?
CFO
Situation Report — Thu 8 Oct 2026
Pay day. Pay rule done. $900 → Survival, $100 → Emergency, $100 → Savings.

The car service hit hard at $1,670 — double the estimate. You handled it by pulling $700 from Emergency and shuffling transfers. It's paid, it's done, the ute is serviced. Emergency Fund at $1,300 and climbing — $400 went in this pay. Car repair mode stays active until rego, licence, and brake quote are all resolved.

Survival has $1,033 and covers this week's bills comfortably — rent Monday, Spotify/ChatGPT/loan Wednesday. Around $726 buffer left after.

Income Hub at $1,195 for the fortnight (after pending transactions). School term in full swing so spending should stay tighter than holidays.

Three things to do this week: move Claude Pro, Audible, and Stan to Survival — they're still draining Income Hub. Cancel Google Cloud. And start thinking about car rego ~$900 due 21 Sep — that's 6 weeks away and two pays.

Tax deductions logged for next FY: Nearpod $142.59, Google Cloud $25, EzyReg $22, CFS training fuel ~$65. Keep those receipts.
financial-pulse v1.4 · powered by claude · updated 8 oct 2026