Pay Day PA gives you a clear, predictable structure for your money. Setup covers income, fixed expenses, variable expenses, debts, and savings — and then shows you exactly what’s left for everyday spending.

1. Add Your Income
Your income is the foundation of your entire Pay Day PA structure. You must enter every income source with the correct amount, frequency, and next pay date.
Primary Income (Main Earner)
Enter:

• Exact amount received each pay

• Pay frequency (weekly, fortnightly, monthly)

• Next pay date

Secondary Income (If Applicable)

Add any additional income streams:

• Partner income, Centrelink payments, Pension, Child support, Rental income, , Bonuses (if regular)

Variable Income (If Your Pay Changes), you can adjust the amount the day before your pay day and the Pay Day PA program will adjust your payments and notifications.

Pay Day PA uses your income amounts, frequency, and dates to calculate:

• What needs to be covered each pay

• How much goes to bills, debt, and savings

• Your everyday account balance

• Your safe‑to‑spend amount

2. Add Fixed Expenses (One Amount Only — Includes Debts)

Fixed expenses are predictable — the same amount every time. This section now includes debts, because debt repayments are fixed commitments that must be covered each pay cycle.

You only need to enter:

• One amount

• Frequency

• Due date

Fixed expenses include:

• Rent / mortgage, Insurance (car, home, contents, health, life), Subscriptions (streaming, gym, memberships), School fees, Regular childcare costs, Fixed transport costs (monthly passes) 

Debts (now treated as fixed expenses):

• Credit card minimum repayments, Personal loans, Car loans, BNPL instalments, Overdraft repayments, ATO payment plans, Store finance, Any other recurring debt repayment

Debts are fixed because:

• They occur at regular intervals

• They have predictable repayment amounts

• They must be covered every pay cycle

Pay Day PA spreads these across your pay cycle automatically.
 

3. Add Variable Expenses (Most Recent Bill + Frequency + 12 Months of History)

Variable expenses change each bill. To get true clarity, you must enter:

You must add:

• The amount of the most recent bill

• The frequency of the bill (monthly, quarterly, bi‑monthly, etc.)

• Historical bills covering the past 12 months

This allows Pay Day PA to:

• Identify seasonal changes

• Smooth out fluctuations

• Calculate accurate averages

• Predict future bills

• Spread costs correctly across the pay cycle

Variable expenses include:

• Electricity, Gas, Water, Rates, Internet (usage‑based), Mobile (usage‑based), Medical/dental, School activities (variable term‑based)

This section is essential for accuracy and clarity.
 

4. Add Savings & Sinking Funds (Name → Amount → Date)

Savings goals in Pay Day PA are simple and structured. You only need to enter three things:

1. Give your goal a name

Examples:

• Emergency fund, Holiday, Christmas, Birthdays, Car registration, Insurance renewals, Home improvements

2. Enter the amount you want to save

This is the total target you want to reach.

3. Select the date you want the money saved by

This creates a clear timeframe.

Pay Day PA then calculates everything for you

Once the name, amount, and date are entered, Pay Day PA automatically calculates:

• Exactly how much you need to set aside each pay cycle

• How many pay cycles you have left to reach your goal

• Whether adjustments are needed

This gives you clarity, predictability, and a simple savings structure you can follow without stress.
 

5. Review Your Pay Day Plan

Once everything is added, Pay Day PA shows:

• What must be paid (fixed + variable expenses)

• What goes to savings

• What is left over in your Everyday Account that is safe‑to‑spend for that pay cycle

• Whether your income supports your full structure

This is your clarity moment — the point where overwhelm drops and your money becomes predictable.
 

6. Everyday Spending (What’s Left Over)

You do not enter everyday spending categories.

Your everyday spending is simply:

• The money left in your Everyday Account

• After bills, debt, and savings are allocated

• That you must budget across the pay cycle

This covers:

• Groceries, Fuel, Eating out, Coffee, General shopping, Personal care, Entertainment, Kids’ casual costs, Gifts, Miscellaneous

Pay Day PA does not structure everyday spending. This is the part you control.
 

7. Run Your First Pay Cycle

On pay day:

• Move money into your Bills Account

• Move money to your Savings Account

• Leave the remainder in your Everyday Account

• Budget your daily life from these funds

This is where control begins.
 

8. Build Momentum

Your second and third pay cycles reinforce the habit. Balances stabilise. Stress drops. Confidence grows.

This is where people say: “I finally feel on top of things.”
 

9. Add Coaching (Optional)

Coaching helps you understand your behaviour, not just your numbers.

• 60‑minute session: Explore challenges, goals, behaviours

• 90‑minute session: Full Pay Day PA setup

• Monthly coaching: Maintain structure and adjust as life changes
   

10. Step Into the 30‑Day Debt Challenge (Optional)

Once you’re set up and building momentum, the 30‑Day Debt Challenge deepens clarity and accelerates change.

It includes three 90‑minute sessions focused on:

• Deep clarity, Behaviour change, Debt structure, Sustainable routines

Outcome: A Predictable, Calm Money System

You finish with:

• Income mapped correctly

• Fixed expenses (including debts) organised

• Variable expenses clarified

• Savings goals structured

• A clear everyday account to manage

• A predictable pay‑day routine

• Less stress, more confidence

This guide is your reference point — return to it any time to correct mistakes, update your structure, or rebuild clarity.