Budget Dashboard
Paddy & Jacky — Portfolio overview · Last refreshed 16 April 2026
🏦
Total Cash (16 Accounts)
$170,287
Across all accounts
📈
Net Weekly Surplus
+$2,005
+$104,260/yr
🏠
Property Equity
$983,540
2 properties · $2.2M combined
💼
Total Debt
$1,216,460
NR + Osb mortgages
Weekly Cash Flow $5,564 in
Net Weekly
+$2,005
$8,688/month · $104,260/year surplus
Income
Paddy salary (net)$1,532/wk
Jacky salary (net)$2,590/wk
North Road rent$792/wk
Osborne St rent$650/wk
TOTAL INCOME$5,564/wk
Key Expenses
NR Mortgage (P&I)$1,096/wk
Osb Mortgage (P&I)$779/wk
Sports & lifestyle$330/wk
Bank of Mum & Dad$250/wk
Property running costs$310/wk
Household & living$369/wk
Personal transfers$300/wk
TOTAL EXPENSES$3,559/wk
Property Portfolio $985k equity
🏡 North Road
Property Value
$1,300,000
Loan Balance
$705,980.01
Equity
$594,020
Interest Rate
5.77%
LVR: 45.7%Target: <40%
🏡 Osborne Street
Property Value
$900,000
Loan Balance
$510,479.68
Equity
$389,520
Interest Rate
5.50%
LVR: 43.3%Target: <40%
Combined Equity $983,540
Total Debt $1,216,460
Total Property Value $2,200,000
Superannuation
Paddy super$10,400
Jacky super$14,000
Paddy contribution$17,795/yr
Jacky contribution$24,000/yr
Combined super$24,400
Account Balances — 16 Accounts Total: $170,287.05
⚠ Items to Review
🛒
Groceries: Set at $130/wk based on 2024 actuals — confirm if still accurate
🚗
Council rates: NR $48/wk, Osb $38/wk — check current rates notices
🏠
Landlord insurance: $30/wk estimate from 2024 ($1,416/yr) — verify current policy
⚡
Utilities: $55/wk — internet $32 + est. elec/gas $23 — review actuals
🏥
Health insurance: $75/wk — Jacky $21 + Paddy $53 from 2024 — check current premiums
🚇
Myki: $10/wk estimated — review actual usage
Auto Transfer Schedule $4,585/wk out
NR Repayments$1,200/wk
Osborne Repayments$870/wk
Insurance & Sub$460/wk
Weekly (groceries)$500/wk
North Road (costs)$220/wk
Other$200/wk
Offset Buffer$200/wk
Car$225/wk
Bonus & Savings$150/wk
Osborne (costs)$150/wk
Trivial + Jacky + Adventure + Presents$400/wk
Puhie's Punters$10/wk
Total auto-transfers out$4,585/wk
Remaining in Main Account~$979/wk