M&E Van Niekerk Family Trust

FY27 Budget Overview
Version V1.1.0 · Source: Budget tab in VanNiekerk_Finances_FY27_MASTER_V2.0.3.xlsx
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Budget Summary
Metric Monthly (NZD) Annual (NZD)
Total Income13,300.00159,600.00
Total Expenses10,745.33128,943.96
Surplus / (Deficit) 2,554.67 30,656.04
Income
Income Lines
Category Monthly (NZD) Annual (NZD) Status Notes
Marcel — Salary / Drawings (net) 13,300.00 159,600.00 INPUT Primary income. Pending KiwiSaver uplift confirmation.
Emma — Salary (net)0.000.00INPUTEnter net monthly amount.
Other Income0.000.00INPUTRental, dividends, etc.
TOTAL INCOME13,300.00159,600.00
Expenses
Expense Lines
Section Category Monthly (NZD) Annual (NZD) Flag Notes
🏠 Housing & UtilitiesMortgage — BNZ Fixed Tranches (P+I)1,800.0021,600.00✅AP #26 ($2,000) → Trust account; P+I $1,789.73 + ~$210 overpayment.
🏠 Housing & UtilitiesCouncil Rates250.003,000.00✅Auckland Council 2025/2026 annual rates.
🏠 Housing & UtilitiesElectricity364.004,368.00✅12-bill average.
🏠 Housing & UtilitiesWater114.661,375.92✅Watercare advised +7.2% increase applied.
🏠 Housing & UtilitiesInternet149.001,788.00✅2Degrees Hyperfibre 2.
🍽️ Food & DiningGroceries1,800.0021,600.00✅Updated to $1,800 monthly target.
🍽️ Food & DiningMisc / Unbudgeted200.002,400.00⚠Catch-all one-off costs.
👨‍👩‍👧‍👧 Family & ChildrenKingsGate School Fees ⭐179.842,158.08✅Combined school fee direct debit.
👨‍👩‍👧‍👧 Family & ChildrenSwimming Lessons — Fultons ⭐226.002,712.00✅DD from Orbit Current (-00); funded by AP #39 ($230).
👨‍👩‍👧‍👧 Family & ChildrenKids General / Activities ⭐350.004,200.00✅Based on FY26 actuals.
👨‍👩‍👧‍👧 Family & ChildrenDCA — Evelyn (Hatch Kids)100.001,200.00✅AP #20 → Hatch. VOOG $50 / VXUS $30 / RKLB $20; NVDA paused. Kids IPS V1.1.0.
👨‍👩‍👧‍👧 Family & ChildrenDCA — Zoey (Hatch Kids)100.001,200.00✅AP #32 → Hatch. VOOG $50 / VXUS $30 / RKLB $20; NVDA paused. Kids IPS V1.1.0.
🏃 Health & FitnessSouthern Cross — Marcel + 2 Kids229.632,755.56✅Confirmed monthly premium.
🏃 Health & FitnessSouthern Cross — Emma97.761,173.12✅Confirmed monthly premium.
🏃 Health & FitnessGym Membership (Counties) ⭐163.361,960.32✅Two memberships: $77.78 (AP #16) + $85.58 (AP #34).
🏃 Health & FitnessSports Nutrition & Equipment ⭐100.001,200.00⭐AP #30 → Sports Nutrition account ($150 combined w/ Pharmacy).
🏃 Health & FitnessPharmacy & Medical ⭐50.00600.00⭐Funded from Sports Nutrition account / AP #30.
🎭 Lifestyle & PersonalEntertainment (Date Night + Weekend) ⭐600.007,200.00✅AP #22 weekly $140 → single Entertainment account (-52).
🎭 Lifestyle & PersonalEmma Allowance ⭐250.003,000.00✅Confirmed monthly amount.
🎭 Lifestyle & PersonalMarcel Allowance ⭐250.003,000.00✅Confirmed monthly amount.
🎭 Lifestyle & PersonalVehicle Expenses150.001,800.00✅Petrol + servicing/WoF.
🎭 Lifestyle & PersonalEmma Hair & Beauty ⭐100.001,200.00✅Confirmed monthly amount.
🎭 Lifestyle & PersonalGift Expenses50.00600.00✅Increased after FY26 review.
🛡️ InsurancesHome & Contents Insurance (State)186.072,232.84✅Apr 2026 renewal baseline.
🛡️ InsurancesKia Sorento Car Insurance (State)167.882,014.56✅Monthly premium.
🛡️ InsurancesAsteron Life — Income & Life Cover250.943,011.28✅Marcel personal policies.
📱 Subscriptions & DigitalDigital Subscriptions (combined)100.191,202.28✅Netflix/Prime/Google/YouTube/Spotify/SurfShark.
💰 Savings & Sinking FundsHatch Investments DCA (main)1,000.0012,000.00✅Hatch auto-invest split.
💰 Savings & Sinking FundsEmergency Fund50.00600.00✅AP #07 → -58 (renamed from Short Term Savings).
💰 Savings & Sinking FundsHoliday / Travel Sinking Fund ⭐1,000.0012,000.00⭐Based on FY26 travel spend.
💰 Savings & Sinking FundsHomewares & DIY Sinking Fund ⭐150.001,800.00⭐Added from FY26 review.
🙏 Giving & LoansDonations66.00792.00✅Tearfund monthly giving.
🙏 Giving & LoansStudent Loan — Emma100.001,200.00✅DD from Orbit Current (-00); funded by AP #36.
🙏 Giving & LoansOther / Unallocated0.000.00⚠Reserve row for extras.
TOTAL EXPENSES10,745.33128,943.96
Payment Method & Account Mapping
How each line is funded — DD = direct debit (pulled from Personal account) · AP = automatic payment (pushed out, internal = into a shared Orbit envelope account)
Budget line Monthly (NZD) Type AP # Destination account
Mortgage (BNZ)1,800AP → 3rd party26Trust account 02-0404-0365815-000
Council Rates250Direct Debit—Personal account
Electricity364Direct Debit—Personal account
Water114.66Direct Debit—Personal account
Internet149Direct Debit—Personal account
Groceries1,800AP → internal41Groceries -51 (fortnightly $830.77)
Misc / Unbudgeted200AP → internal14Orbit Current -00
KingsGate School Fees179.84Direct Debit—Personal account
Swimming — Fultons226DD via Orbit39 funds itDD from Orbit Current -00
Kids General / Activities350AP → internal21Children Expenses -57
DCA — Evelyn100AP → 3rd party20Hatch Kids (FNZ)
DCA — Zoey100AP → 3rd party32Hatch Kids (FNZ)
Southern Cross — Marcel + Kids229.63Direct Debit—Personal account
Southern Cross — Emma97.76Direct Debit—Personal account
Gym (Counties Fitness)163.36AP → 3rd party ×216 + 34Counties Fitness
Sports Nutrition + Pharmacy150AP → internal30Sports Nutrition -53
Entertainment600AP → internal22Entertainment -52 (weekly $140)
Emma Allowance250AP → 3rd party09Emma's personal account
Marcel Allowance250AP → 3rd party25Marcel's personal account
Vehicle Expenses150AP → internal19Vehicle Expenses -54
Emma Hair & Beauty100AP → internal17Emma Hair -56
Gift Expenses50AP → internal24Gift Expenses -60
Home & Contents Insurance186.07Direct Debit—Personal account
Kia Car Insurance167.88Direct Debit—Personal account
Asteron Life250.94Direct Debit—Personal account
Digital Subscriptions100.19Credit card—Settled from Personal account
Hatch DCA (main)1,000AP → 3rd party40Hatch (FNZ)
Emergency Fund50AP → internal07Emergency Fund -58
Holiday / Travel1,000AP → internal28Holiday Savings -61
Homewares & DIY150AP → internal23Home and Garden -59
Donations66AP → 3rd party33Tearfund
Student Loan — Emma100DD via Orbit36 funds itDD from Orbit Current -00 (IRD)
Budget Notes