Free tools and guides
Money tight? These are free, no strings.
If paying for a tool isn't possible right now, that's completely okay. These are real, useful versions of what we sell, and they're yours to keep. The only thing we ask is an email address so we can send them to you.
The Free Starter Kit
Fortnightly Budget Starter
List your bills, pick how often each one comes, and see your true per-fortnight total and what's left over. A lighter version of our Fortnightly Budget & Debt Payoff Planner.
Debt Payoff Starter
List what you owe and see your snowball and avalanche order, plus a rough idea of how long each debt takes on minimum payments.
Sole Trader Record-Keeping Checklist
What to keep, and when, so tax time is calmer: weekly, quarterly and yearly ticks, with links to free ATO help.
Get all three, free
Tap the button, leave your email, and we'll send all three straight back. It really is free, and no card is needed.
We'll only use your email to send the kit and, now and then, a helpful money tip or a new free tool. Unsubscribe any time. We never sell or share it. Privacy policy. Trouble? Email [email protected] and we'll send it directly.
No email needed: turn any bill into a fortnightly amount
| How often you pay it | Multiply by | Example | Per fortnight |
|---|---|---|---|
| Weekly | × 2 | $420 rent | $840.00 |
| Fortnightly | × 1 | $120 groceries | $120.00 |
| Every 4 weeks | × 0.5 | $80 subscription | $40.00 |
| Monthly | × 12 ÷ 26 | $65 phone | $30.00 |
| Quarterly | × 4 ÷ 26 | $390 power | $60.00 |
| Yearly | ÷ 26 | $780 car rego | $30.00 |
Why 26? There are 26 fortnights in a year. Halving a monthly bill makes it look bigger than it is, and that's how budgets drift.
Free help, from real people (not ours, just good)
If things feel heavy, you don't have to sort it out alone. These services are free and confidential.
- National Debt Helpline: 1800 007 007 · ndh.org.au. Free financial counsellors who can talk to lenders with you.
- Mob Strong Debt Help: 1800 808 488
- Australian Taxation Office (ATO): ato.gov.au, small business line 13 28 66. Ask about payment plans if a tax bill is hard to pay.
- Moneysmart (ASIC): moneysmart.gov.au, budget planner and debt guides
- Lifeline: 13 11 14, any time, if you need someone to talk to.
FairMark Studio tools give general information only. They're not financial or tax advice.