Smart Shopping Toolkit
The nine shopping tools — unit-price grid, percent-off & real-price, multi-buy break-even, reward true-value, cost-per-use, and the 10-second shopper card.
Free downloads
Every reusable template from a book, gathered into one PDF and sized for your printer. Run a fresh copy whenever a new bill, payslip, or month arrives. No sign-up, no email — just the templates.
The nine shopping tools — unit-price grid, percent-off & real-price, multi-buy break-even, reward true-value, cost-per-use, and the 10-second shopper card.
The nine payslip tools — anatomy map, gross-to-net waterfall, tax-bracket worksheet, hours/salary/overtime, the employer-match finder, and the “paid right?” recompute grid.
The bill-check templates — usage cost, tariff comparison, estimated-vs-actual, true annual cost, the subscription audit.
The borrowing worksheets — payment breakdown, term compare, overpayment, LTV & equity, the all-in affordability check.
All eleven saving tools — compound growth table, rule-of-72 card, goal planner, APY grid, real-return and fee-drag worksheets.
All nine budget tools — the monthly snapshot, allocation grid, irregular-cost converter, debt-service check, and the whole-picture budget.
Every formula on one page plus a fill-in worksheet — true cost, markup vs margin, pricing, break-even, cash runway, and tax set-aside.
Every formula on one page plus four worksheets — the real-hourly recompute, platform-fee stack, honest quote-from-target-hourly, and the monthly keep/cut/grow decision sheet.
All seven everyday-math tools — percent card, fraction table, mental-math drills, ratio & recipe scaler, algebra step-through, unit conversions, and a data log for mean/median/mode/range.
All seven money-math tools — paycheck & overtime, whole-picture budget, compound-interest table, debt payoff (avalanche/snowball), unit-price comparator, marginal-tax worksheet, and break-even.
All seven kitchen-math tools — fraction worksheet, conversion card, recipe scaling sheet, nutrition-label worksheet, cost-per-serving & grocery budget card, meal timing & temperature planner, and a mental-math card for the cupboard door.
All seven garden-math tools — bed area worksheet, soil & mulch volume sheet, plant spacing & count sheet, yield & harvest planner, season and planting calendar, container sizing card, and a mental-math card for the garden centre.
All seven work-math tools — markup & margin sheet, percentage change sheet, break-even sheet, payslip & invoice sheet, chart-check questions, an averages and weighted-average sheet, and a decision sheet for comparing two options on return and payback.
The whole book on one spread — the eight Tells, the three-statement wire map, the five-minute fast-scan, and a blank Detective's Report you can run against any real set of accounts.
All ten Detective's Tells, the formula card (cash-conversion, DSO, gross margin, current, quick, debt-to-equity, Benford), the full-audit routine, and a blank Detective's Report you can run against any real set of accounts.
All eight Detective's Tells, the formula card (annualise, rule of 72, APR, price-on-cash, true-cost-of-a-plan), the twenty-minute Monthly Money Check, and a blank Money Report to run each month on your own paperwork.
Template A, the formula sheet — percentages, grams, preferment, temperatures, and what the scale said afterwards. Template B, a bake planned backwards from when you want to eat. Template C, a bake costed from your own receipts.
Template A, the shopping list — quantity, waste, order and price for every material. Template B, the weekend plan with the waits written in. Template C, the set-out sheet: the line, the corners and the fall of the ground.
Template A, the shopping list — quantity, spare, order and price for every material. Template B, the two-weekend plan with the waits written in. Template C, the set-out and cutting sheet: post centers from one zero, the fall, a 3-4-5 corner and the cuts.