The Malaysian Money Sheets Pack

Your Budget Doesn't Fail Because You Lack Discipline. It Fails Because the Records Never Turn Into Answers. In These Sheets, Every Entry Instantly Becomes One — Budget vs Actual, Monthly Profit, Overdue Invoices. Your Job Is 10 Minutes a Week of Typing. Two Google Sheets files with the formulas already built. The Household pack: budget-vs-actual that matches itself, sinking funds for Raya and weddings, a debt page. The Micro-Business pack: monthly P&L calculated straight from your sales and expense logs, invoices that count their own overdue days until you mark them paid, and a price-floor calculator. These are not empty tables — the thinking part is pre-built. To the person who has installed and deleted three budget apps — and the person running a Shopee or pre-order side business on bank-balance instinct: The problem was never your discipline. On paper or in apps, nothing happened after you recorded. The numbers never turned into "which category is already over this month," "did the business actually profit," or "which invoice has been burning for how many days." When records don't turn into answers, recording stops. This pack is built in reverse: the answer-producing formulas come pre-built, and your job shrinks to ten minutes of typing a week. File 1, the Household pack (5 tabs): - Monthly Budget: set planned amounts for 10 categories; actual spending (auto-totalled from your log) and the difference appear beside them. "Food out is already over" becomes visible mid-month - Spending Log: the only tab you touch — date, category, what, RM - Sinking Funds: enter yearly costs for Raya, weddings, road tax, insurance, family support; the monthly set-aside calculates itself. The mechanism that stops December and February from wrecking the card - Debt Page: every debt on one page, total automatic File 2, the Micro-Business pack (6 tabs): - Sales Log & Expense Log: one row per transaction - Monthly P&L: set the year once; every month's money-in, money-out, and profit calculate themselves from your logs. "Did this month make money?" gets a numeric answer - Invoice tracker: Days Overdue counts up daily by itself until you type Y for paid. Glance weekly, chase anything past 7 - Price Floor calculator: enter unit costs and your hourly value; the never-sell-below price appears The 7-page PDF guide covers each tab, the 10-minute weekly routine that makes it stick (6 minutes logging → 3 minutes glancing → 1 action), and a table of the common ways people break these sheets, with the fix for each. This is a record-keeping tool — it gives no tax advice. But when filing questions come, people with clean records find them easy questions. Who this is for: three-time budget quitters, small sellers who want to see profit in numbers for the first time, and anyone who never wants to write a formula. Who this is not for: businesses that need accounting software. If you have staff and hundreds of SKUs, this is not your tool. RM29 — both your household and your side business get self-answering books, without writing a single formula. Refunds follow the policy shown on the purchase page. FORMAT: 1 ZIP file (PDF, 7 pages). Instant download after payment. English. General information, not financial, legal or tax advice. No income is promised. For the buyer's personal use only.