Ledger

Log a spend

Every spend comes straight off today's number. Underspend and tomorrow goes up on its own. Tag food and groceries and the month's food total tracks itself.

Food this month

The weekly trip

The 4th, 14th and 23rd. Gaps of 10, 9 and 12 days, so nothing runs out between trips, and none of the three lands on a bill day. If a month goes badly, push the 4th to the 5th or 6th rather than dropping it.

Standing orders

Counts run themselves down each day. Press "Ordered" when it ships and it adds a case and logs the spend.

Log the weekly shop

Until it is logged, the app holds this money back so the daily number cannot spend it.

Recent

Next payday

Log an advance

An advance is not income. It is the same paycheck arriving early, so it adds to your balance and shrinks the deposit it borrows from.

Fill in this order

Add to a layer

Amount

Layer

Contributions fill the next unfilled layer first. Nothing reaches the emergency fund until the float is full and the tax catch-up is closed.

The plan

Contributions

Prior-year balance

Log a payment

This is the prior-year debt, separate from the current-year tax reserve. It grows at roughly 8% a year plus penalty, so paying it beats banking against it.

Payoff projection

Payments

The month, day by day

Edit bills

Name, amount, day of the month. Both checks are written on the 1st, so they sit on day 1 regardless of when they clear.

Update from the workbook

Drop the Freelance Bookkeeping .xlsx here or tap to choose a file

Reads the Dashboard, IRS Payoff, Tax Reserve and Reserve Plan tabs. Nothing is uploaded anywhere. The file is parsed on this device and only the numbers are kept.

Daily routine

1 · Export the checking CSVdaily

2 · Update the balance in Setupdaily

3 · Log trips and advancesdaily

4 · Import the workbook hereweekly

5 · Reconcile against the real balance1st Saturday

Chores calendar reminds you at 8:30pm. The point is not the bookkeeping, it is seeing the 1st and the 25th coming while you can still act.

This device and the cloud

What is on each side

Backup

Sync protects you against losing a device. It does not protect you against deleting something and that deletion reaching the other device three seconds later. Take a file now and then.

Money

Checking balance

As of

Float, never go below

Budget per trip

Trips per month

Planned trip days

Weekly shop

Food budget per month

Plan starts

Shop day

Step the float up as it builds: $200 September, $400 October, $600 November. $600 covers the worst check month so far, April at $575.61.

Money coming in

Payroll only. Leave advances out, or the app will tell you that you can afford money you have already spent.

Danger

Clears every spend, trip, advance, contribution, bill and setting on this device.

Between now and payday

Quick log

Log a spend

Food this month

The weekly trip

Standing orders

Log the weekly shop

Recent

Next payday

Log an advance

Fill in this order

Add to a layer

The plan

Contributions

Prior-year balance

Log a payment

Payoff projection

Payments

The month, day by day

Edit bills

Update from the workbook

Daily routine

This device and the cloud

What is on each side

Backup

Money

Money coming in

Danger