The maths behind the ritual.
Worked guides on one number at a time — break-even ROAS, landed cost, safe discounts, paycheck budgets, the 52-week challenge — written the way the workbooks think: a formula, an example, a verdict.
How to set up a family budget spreadsheet you will still open in March
Most family budget spreadsheets die by February. Set one up around a single number, a ten-minute weekly check and categories that match real life — step by step.
Ends in Household Money Ritual — the workbook that does this maths
How to budget as a couple: one shared number instead of monthly arguments
Joint, separate or hybrid accounts? How to split bills fairly, agree on a no-questions allowance and run a ten-minute weekly money check together.
Black Friday for small online shops: 6 numbers to know before the sale
Before Black Friday, know six numbers: profit per order, max discount, break-even ROAS at the discount, cash in stock, lowest cash to January and your real payout rate.
How much stock to buy before Black Friday (without trapping your cash)
A worked method for Black Friday stock: coverage until the next delivery, a peak-week multiplier, safety stock — and which slow sellers to clear instead of reorder.
How to plan a holiday budget that survives January
A holiday budget that holds: list people × amounts, add the five categories everyone forgets, save it weekly from October, and track what is left as you buy.
Paying off Christmas: a 90-day plan for holiday credit card debt
$1,800 of holiday spending on a card at 24% APR: 11 years and $2,487 of interest on minimum payments, or 3 months and $72. How to set the payment and find it.
How to raise prices without losing profit: the break-even customer loss
A 10% price rise on a 40% margin can lose 20% of customers and still earn the same. The break-even formula, a worked example, and how to roll it out in January.
The January money reset: 5 numbers to write down before the year starts
Skip the resolutions. Write down five numbers in January — net worth, monthly essentials, months of safety, debt-free date and savings rate — and check them once a month.
The Shopify profit margin calculator every store owner should run before Black Friday
Your Shopify dashboard shows revenue, not profit. Learn to calculate real per-order profit margin from COGS, shipping, fees and ads, with a worked $45 order.
Cash runway: how many months you actually have, and why 13 weeks beats 12
Learn to calculate cash runway correctly with net burn, why a 13-week forecast beats a 12-month one, and a worked example starting from $38,000.
Etsy fees: what a $30 sale actually leaves you, line by line
Break down every Etsy fee on a $30 sale — listing, transaction, payment processing, Offsite Ads, currency conversion — and learn to price so they're covered.
Your freelance hourly rate isn't what you quoted: the effective rate method
Calculate your real freelance hourly rate from ALL hours worked, not just billable ones, with a worked $80/h quoted to $41/h effective example.
Sinking funds explained: how to stop 'surprise' expenses that aren't actually surprises
Learn what a sinking fund is, the formula (amount ÷ months left), and how a household setting aside $310/month ends surprise expense months for good.
Amazon FBA profit per unit: the real number after fees, storage, and ads
Revenue is not profit. Calculate true Amazon FBA profit per unit after referral fees, fulfillment fees, storage, and PPC, with a worked example.
Inventory turnover ratio for small shops: how to find the cash trapped on your shelves
Learn to calculate inventory turnover ratio and days of stock per SKU, spot slow movers with the 90-day test, and set a reorder point that works.
How much emergency fund do you actually need? A formula, not a rule of thumb
Calculate the right emergency fund size from your essential monthly costs, not total spending, with a worked household example and a starter goal.
LTV to CAC ratio for small businesses: how to calculate it without fooling yourself
Calculate CAC and LTV from real cohort data, understand the 3:1 rule's limits, and compute CAC payback months with a worked small-business example.
Rental property cash flow: the calculation that matters more than the purchase price
Calculate rental property net cash flow, cap rate, and cash-on-cash return with a worked $240,000 example, plus the 1% rule used correctly.
Break-even ROAS: the one number every product needs before you spend a dollar on ads
ROAS is not profit. Learn how to calculate break-even ROAS and target ROAS per product from price, COGS, shipping and fees — with a worked example and a free formula.
Debt snowball vs avalanche: which one gets you a date — and how to pick in five minutes
Snowball pays smallest balance first, avalanche pays highest rate first. Here is what each one costs in interest and months, and a simple rule for choosing.
Budgeting by paycheck: why monthly budgets fail when you are paid every two weeks
Paid biweekly? A monthly budget breaks in the third week. Here is the paycheck budget method: assign every bill to the check that covers it and keep one safe-to-spend number.
The 52-week savings challenge, fixed: reverse it, scale it, and stop quitting in March
The classic 52-week challenge saves $1,378. Here is why most people quit by spring, the reverse version that fixes it, and how to scale it to any goal.
How to calculate landed cost per unit (and why your margin is smaller than your invoice says)
Landed cost = unit price + freight, insurance, duty, customs and fees, converted at the rate you paid. Step-by-step method with allocation by value, weight or units.
How much can you discount before you lose money? The break-even uplift, explained
A 20% discount often needs 40–80% more units just to break even. Learn the max safe discount and break-even uplift formulas before Black Friday.
The reseller death pile: how unlisted inventory quietly kills a flipping business
Bought but not listed is the most expensive stock a reseller owns. How to measure the death pile, sell-through and real profit per item on eBay, Poshmark and Depop.
How much house can you actually afford? The 28/36 rule, the cash at closing and the number lenders skip
Lenders tell you what they will lend. This is how to work out what you can carry: the 28/36 rule, real monthly housing cost with taxes, insurance and PMI, and the cash you need at closing.
Vending machine profit per machine: the four costs that turn $400 of sales into $90
How to calculate net profit per vending machine: sales minus restock, location commission, card fees and the real cost of every service visit — plus payback and when to pull a machine.
A grocery budget for a family of four that actually holds: the three numbers, and the takeaway leak
Set a weekly grocery budget for a family of four, catch the eating-out creep that hides a third of food spend, and cut food waste with three numbers checked every Sunday.
The Household Money Ritual, Lite: same formulas and verdicts, tables capped at 30 rows. E-mail in, file out — plus a note when a new guide ships.
