The Missing Memo Checklist — 24 Money Things Nobody Sent You (Uni → Front Door) | FREE
The money memo nobody hands you between finishing uni and owning a front door.
Two pages. 24 ticks. Free forever.
Also includes (EP5) the one-page Payday Split Sheet — Bills · Spend · Save boxes with the sums, the Sunday setup checklist, the bonus-condition checker and the subscription audit table.
NEW (EP6): the one-page Real Pay Rise Sheet — the rise − inflation sum, the three-line payslip adder (tax + Medicare + HECS), the salary-sacrifice strip ($100 → $68 or $85), the First Home Super Saver tracker and the super check-list.
NEW (EP7): the one-page Creep Sheet — find where your last raise went (raise × 0.53 ÷ 12), the old-salary test, half-the-rise auto-transfer setup, and "creep on purpose". Works in any currency.
What's inside
- The two-number sum — your salary × 5 = your ceiling. The only number that matters when you're scrolling listings at 11pm.
- Stage 1 · Just finished uni — take-home pay, three accounts, HECS, one super fund, the $1,000 buffer.
- Stage 2 · First real job — the real pay rise (minus inflation), payday automation, FHSS, subscriptions audit, credit score.
- Stage 3 · Renting — the 30% rule, your rights, contents insurance, the "later trap".
- Stage 4 · Saving the deposit — the six ways to buy without 20%: 5% Deposit Scheme, FHSS, First Home Owner Grant, stamp duty relief, Help to Buy, guarantor.
- Stage 5 · Buying — pre-approval, hidden costs, strata reports, the ceiling not the dream.
- Official links — firsthomebuyers.gov.au, moneysmart, ATO, your state revenue office.
How it works
Pop your email in, click the button, the PDF lands in your inbox and on screen straight away. Print it or tick it on your tablet. You'll also get a memo when a new episode drops — unsubscribe any time.
Want the full 16-page planner with the deposit tracker, monthly money map and 12-month roadmap? That's the Uni → House Money Planner, $6.50, in this store.
From The Missing Memo — the YouTube channel for everyone stuck between uni and a front door. youtube.com/@TheMissingMemo
Education only — not financial advice. We don't recommend specific financial products. Talk to someone licensed before doing anything with real money. Australia, 2026–27.
NEW (EP8): the one-page Doing-Better Scorecard — five signs you're further along than you feel (the $1,000 buffer, the Sunday look, the card that goes back to zero, the super check, and "careful, not behind"), a 10-week buffer jar and a me-last-year vs me-now box. Works in any currency.
NEW (EP10): the one-page Sunk Cost Sheet — the Zero Test (cover what you've spent, ask "would I start this today?"), a Stay-or-Go box for the next 12 months only, and the 30-second quit list for subscriptions and memberships. Works in any currency.
NEW (EP11): the one-page Rebuy Sheet — the Rebuy Test ("if I had the cash today, would I buy this at today's price?"), the 20-minute switch box for your savings rate + card rate, and a place to write your rules before the feeling arrives. From the loss aversion episode.
NEW (EP13): the one-page Stop-Buying Checklist — the ten everyday things from the episode (bottled water → the new-car loan) with what each really costs a year, a tick box, a "my number" column, and the × 13.8 line that turns your total into what it's worth by 35. Pick the one that made you wince. Works in any currency.
