First Home Buyer Planner Australia: Uni → House Budget, Deposit & FHSS Tracker (Printable PDF)

You don't need to be "good with money". You need a structure that runs when you don't.

Uni → House is the Missing Memo Money Planner — 16 pages that take you from "I'll buy later" to a number, a date, and a plan.

INSIDE:

• The two-number sum — your salary × 5 = your ceiling; 5% of that = the deposit that gets you in the door

• Real pay rise calculator — raise % minus inflation %, plus the once-a-year "ask" prep box

• Three accounts setup — Bills · Spend · Save, done once, automated forever

• Monthly money map — one pay cycle on one page (planned vs actual)

• Rent check — the 30% rule and the "later trap"

• Deposit target + 12-month savings tracker — how much, how long, 5%-per-box progress bar

• FHSS tracker — using super as a deposit engine (rules + contributions log)

• Six ways in — 5% Deposit Scheme, FHSS, First Home Owner Grant, stamp duty relief, Help to Buy, guarantor — tick what's yours

• Debt & HECS — what lowers your ceiling, and the 12-month clean-run pledge

• Suburb shortlist — inside the ceiling only

• Buying checklist — pre-approval → inspections → strata questions → keys

• 12-month roadmap — four quarters, a five-minute review each

Australian, current at September 2026 (scheme caps and grants noted with sources). Print it, or fill it in on a tablet in GoodNotes / Notability / Xodo / Adobe.

Education only — not financial advice. No financial product is recommended. Talk to someone licensed before doing anything with real money.

Instant download. No physical product is shipped.

From the YouTube channel The Missing Memo — money stuff nobody sent you, uni → front door. youtube.com/@TheMissingMemo