# Budget Planning Checklist (Small Strata)

> Operational template only. Not legal, tax, insurance, accounting, or financial advice. Confirm current state legislation, regulator guidance, and scheme by-laws before relying on this checklist.

## 8-10 weeks before AGM
- Review prior year actuals vs budget (line by line)
- Identify recurring contracts and renewal dates
- Capture known maintenance projects and risk items

## 6-8 weeks before AGM
- Request updated insurance and service quotes
- Check arrears report and cashflow trend
- Draft levy scenarios (base / moderate / risk-adjusted)

## 4-6 weeks before AGM
- Validate capital works assumptions
- Stress-test for high-risk items (storm damage, urgent repairs)
- Prepare plain-English budget notes for owners

## 2-4 weeks before AGM
- Finalise budget motion wording
- Attach assumptions and quote references
- Include implementation timing and review cadence

## Post-AGM
- Publish approved budget and levy calendar
- Set monthly variance check routine
- Keep a decisions log for next handover