Finance

Hey Katie 👋 your plan for this morning

Still on: 10:15 am Postpartum Power

Free to work: 4:00 am–10:15 am · 11:45 am–5:00 pm (lighter) · 8:00 pm–10:00 pm

Priorities: Upload last week's bank statement, Check in with Isabel — trial follow-up

Day with the kids — keep it light, I'll still flag the important bits.

3:51 AM

Thursday 6 August

☀️ 14°C

Invoices — drafted automatically from bookings, editable here

● Xero: Kate Pickering

💰 Money — August

Paid this month

$3,330

Awaiting payment

$2,600

To invoice (drafts)

$240

Next block (1 saying yes)

Billed this month — Term $350 · Casual $0 · PT $450. “Awaiting payment” & “to invoice” are all-time.

💸 Pay yourself ≈ $1,423 / week

Set aside $409/wk for tax (~22%)

How this works ▾

Income from current bookings: $2,036/wk (classes $1,780 + PT/casual $256)

− business costs: $203/wk (only counts expenses imported + categorised from your bank — if rent/subscriptions aren't in there, your real take-home is lower. Import statements below to sharpen this.)

= profit $1,832/wk → tax set-aside $409 → take home ≈ $1,423/wk

A weekly average that smooths your 6–8-weekly and monthly invoicing — so a block payment should last if you draw ~$1,423/week. Put $1,637/month aside for tax (~$21,280/yr on ~$95,286 profit).

Rough guide from your own numbers — not financial advice. Confirm your tax rate with your accountant (you can pin it in config).

Bank & bookkeeping

Upload your CBA CSV — income auto-matches to invoices, expenses auto-categorise.

This financial year (FY26/27)

Income

$8,864.90

Expenses

$2,615.89

Net

$6,249.01

Rent: $1,666.77Subscriptions: $451.28Equipment: $200.00Advertising: $189.76Other: $106.00Bank fees: $2.08

Owner drawings (personal — not a business expense): $5,056.84

Needs a quick look (2)

Set a category on any you want (leave the rest on “— leave for now —”), then hit Save all. Each one is remembered so the same transaction auto-sorts next time — untick “remember” only for a one-off you don’t want learned.

21 Jul Transfer from CBA NetBank 6th-19th July 2026 +$213.65 remember

20 Jul Transfer from xx6050 CommBank app +$1,200.00 remember

Recent reconciled (40)

26 Jul Transfer to xx6069 CommBank app tax Owner A Drawings −$500.00

24 Jul Spotify P44D432D67 Sydney AU Card xx6015 Value Date: 22/07/2026 Subscriptions −$22.99

24 Jul Fast Transfer From OLIVIA RATHBONE 0226 Rent +$240.00

23 Jul Fast Transfer From M J COCKER PT Matt Cocker Income +$180.00

23 Jul Fast Transfer From KIMBERLEY FREEMAN Week 1/2 kimberley - Strong Starts Income +$60.00

23 Jul Fast Transfer From Tanya Inv 231 CREDIT TO ACCOUNT Katie Income +$360.00

22 Jul Canva* 04947-39433567 Sydney AU Card xx6015 Value Date: 20/07/2026 Advertising −$20.00

22 Jul BODY BEYOND BABY PTY L Subscriptions −$298.00

21 Jul CALTEX SNUG SNUG AU Card xx6015 Value Date: 18/07/2026 Owner A Drawings −$87.78

21 Jul BAXTER'S IGA/1/1 RIVERSTO SNUG AU Card xx6015 Value Date: 18/07/2026 Owner A Drawings −$203.18

21 Jul PRIME VIDE* PRIME VIDE SYDNEY AU Card xx6015 Value Date: 17/07/2026 Owner A Drawings −$12.99

21 Jul KINGBOROUGH OMMUNI 1300889272 AU Card xx6015 Value Date: 17/07/2026 Owner A Drawings −$21.80

21 Jul SQ *GET GREEK TASMANIA Kingston AU Card xx6015 Value Date: 17/07/2026 Owner A Drawings −$67.90

21 Jul SQ *GET GREEK TASMANIA Kingston AU Card xx6015 Value Date: 17/07/2026 Owner A Drawings −$14.19

18 Jul Transfer from xx6050 CommBank app Owner A Drawings +$50.00

17 Jul ANTHROPIC* CLAUDE SUB ANTHROPIC.COM CA US Card xx6015 AUD 34.00 Value Date: 15/07/2026 Subscriptions −$34.00

17 Jul Canva* 04944-47911097 Advertising −$28.00

17 Jul Canva* 04944-48165423 Advertising −$28.00

17 Jul Canva* 04944-49490171 Advertising −$28.00

17 Jul BAXTER'S IGA L0081 SNUG TAS AU Owner A Drawings −$16.48

17 Jul BAXTER'S IGA L0081 SNUG TAS AU Owner A Drawings −$43.17

17 Jul Fast Transfer From EMILY BROWN Em Clark-Brown(see you Sunday) Income +$210.00

15 Jul LIVEAT PTY LTD HOBART AU Card xx6015 Value Date: 14/07/2026 Owner A Drawings −$27.50

15 Jul Transfer to xx6050 CommBank app homeloan Owner A Drawings −$1,800.00

15 Jul Fast Transfer From MS ANNA SUTHERLAND Anna Bennett Anna Bennett Income +$240.00

14 Jul SP LITTLE AUSTRALIAN HEIDELBERG DE Card xx6015 AUD 29.90 Value Date: 12/07/2026 Owner A Drawings −$29.90

14 Jul KMART 1009 NEW TOWN AU Card xx6015 Value Date: 10/07/2026 Owner A Drawings −$156.75

14 Jul SP YOTO AUSTRALIA LONDON GB Card xx6015 AUD 35.17 Value Date: 09/07/2026 Owner A Drawings −$35.17

14 Jul Fast Transfer From HOOLEY CARMEN LOUISE INV0212 Hooley INV0212 HOOLEY Income +$210.00

14 Jul Transfer to xx6050 CommBank app Owner A Drawings −$700.00

13 Jul Canva* 04940-41383027 Advertising −$39.00

12 Jul Home Loan Pymt CommBank app tablet repay Equipment −$200.00

12 Jul Transfer to xx6050 CommBank app Owner A Drawings −$300.00

12 Jul Transfer to xx6050 CommBank app Owner A Drawings −$100.00

11 Jul Fast Transfer From ELIZABETH OSBORN Lizzie Osborn Income +$240.00

10 Jul SQ *THE BLUE STRAWBERRY ? Sandy Bay AU Card xx6015 Value Date: 08/07/2026 Owner A Drawings −$59.94

10 Jul Transfer to xx6050 CommBank app Owner A Drawings −$50.00

10 Jul Fast Transfer From MRS ZOE TAYLA DOROTHY Zoe Lai Zoe Lai Income +$180.00

9 Jul POLAR* ACT- TRIAL OVER POLAR.SH CA US Card xx6015 USD 20.90 Value Date: 07/07/2026 Subscriptions −$30.21

9 Jul International Transaction Fee Value Date: 07/07/2026 Bank fees −$1.06

PT sessions to invoice

Anna Stam · 1 session (29 Jul)

Emily Nagel · 2 sessions (22 Jul–3 Aug)

Jenene Oates · 2 sessions (3 Aug–5 Aug)

Matt Cocker · 1 session (3 Aug)

Tanya Welch · 1 session (3 Aug)

Tip: bill these together monthly. (When Xero's connected this becomes one click per client.)

Draft

$2,600.00

Sent (awaiting)

$3,330.00

Paid

$8,520.00

INV-0088 Bianca Term $30.00 Draft