{"title":"Life \u0026 Money Systems","description":"Plain systems for money, work, and getting paid — spreadsheets and guides you can put to work tonight.","products":[{"product_id":"tip-money-a-system-for-people-paid-in-cash","title":"Tip Money — A System for People Paid in Cash","description":"\u003cp\u003eYou can work a room, read a table, and stay calm when the kitchen is in the weeds — and still have no idea what you actually made last week. Tip money arrives in handfuls, on good nights and bad ones, and without a system it leaks away: the walkout spend after a shift, the slow-week panic, the bill you forgot was coming. This guide is the system nobody hands you at count-out.\u003c\/p\u003e\u003cp\u003eInside, across 16 pages and 15 short sections: the four-minute walkout ritual (count it, log it, split it, set tonight's spending money aside); the nightly percentage split — Bills 50%, Life 20%, Set-aside 15%, Buffer 10%, Yours 5%; a full worked month on paper; how to read tip-out, pools, and your pay stub line by line; envelopes and accounts for cash versus card tips; a rule for bad nights, great nights, doubles, and getting cut early; the fifteen-minute weekly count; how to build a two-week buffer; spending rules written for people whose friends are free when restaurants are not; scripts for awkward money moments, word for word; a copy-out nightly tracker; a 30-day start; and a cut-out quick-reference page for the fridge, locker, or apron bag.\u003c\/p\u003e\u003cp\u003eThe proof is in the worked month, and you can check every number yourself: eighteen shifts totalling $1,840 in tips kept splits into Bills $920, Life $368, Set-aside $276, Buffer $184, and Yours $92 — the five buckets add back up to exactly $1,840.\u003c\/p\u003e\u003cp\u003eHonest scope: this is general money organisation for tipped workers, written in plain language — it is not personal tax, legal, or investment advice, and the percentages are starting points to adapt to your own rent, bills, and withholding. If you are paid a steady salary with no tip or cash income, this system was not built for you and you should not buy it. If your house pools all tips and you never handle cash or see a nightly figure, the nightly ritual will only partly apply.\u003c\/p\u003e\u003cp\u003e$12\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955126079743,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/tip-money-system-01.png?v=1794112958"},{"product_id":"the-clean-sheet-resume-pack-4-one-page-resume-templates-cover-letter-ats-guide-verb-banks","title":"The Clean Sheet — Resume Pack: 4 One-Page Resume Templates, Cover Letter, ATS Guide \u0026 Verb Banks","description":"\u003cp\u003eA 19-page, print-ready resume kit for job seekers who need a clean one-page resume that passes both the ATS scan and the 6-second manager scan. Inside: four fully written sample resumes — Classic Professional (operations manager), Modern Minimal (barista turned shift lead), Service Industry (New Orleans upscale server \/ server assistant with covers, wine service, Toast POS and tip-out), and Creative (social media \u0026amp; photography freelancer) — plus the same four layouts as blank fill-in sheets you can copy by hand or rebuild in Word, Google Docs or Canva. Also included: a matching cover letter with a fully written service-industry sample, a blank version and the 4-paragraph formula; a plain-English ATS chapter covering PDF vs .docx, keyword mirroring, parse-safe headings and what breaks parsing, with a pre-send checklist; verb banks with 95+ strong action verbs grouped for service\/hospitality, retail, office\/admin, trades and creative work, plus six before-and-after bullet rewrites that turn duties into quantified achievements; the eight mistakes that get resumes binned, each with a fix; and a 10-minute final check for the back page. Search terms: resume template, one page resume, CV template, ATS resume, server resume, restaurant resume, cover letter template, job application, resume examples, fill in resume.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955281531135,"sku":null,"price":9.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-clean-sheet-01_ea9fb5f6-bdfe-4055-a99f-3be0cf0cb20f.png?v=1794119183"},{"product_id":"the-miles-book-gig-driver-mileage-profit-tax-system-excel-google-sheets-quickstart-pdf","title":"The Miles Book — Gig Driver Mileage, Profit \u0026 Tax System (Excel \/ Google Sheets + Quickstart PDF)","description":"\u003cp\u003eYou drive. The app tracks the miles. The IRS wants the proof. The Miles Book is the mileage, profit and tax system built for gig drivers who drive for Uber, Lyft, DoorDash, Instacart, Amazon Flex or all five at once. The Excel workbook has four tabs with live formulas: a daily mileage log that auto-calculates your deductible miles at the current-year rate, a weekly profit tracker that separates your fares, tips and bonuses from gas, tolls and maintenance, a monthly summary that shows your real hourly rate after expenses, and a quarterly tax planner that estimates what you owe and tells you exactly how much to set aside each week. Every tab is pre-formatted and colour-coded, and the formulas update instantly when you enter a trip. The one-page quickstart PDF gets you set up in ten minutes: how to log a trip, what the IRS actually accepts as a mileage record, and the five mistakes that cost drivers hundreds at tax time. The system works in Excel or Google Sheets, on desktop or on your phone between rides. Stop losing money to untracked miles. Start keeping what you earn.\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955549671679,"sku":null,"price":15.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-miles-book-01.png?v=1794123933"},{"product_id":"the-invoice-chaser-freelancer-late-payment-system-12-escalation-scripts-3-invoice-templates-late-fee-math-printable-pdf","title":"The Invoice Chaser — Freelancer Late-Payment System: 12 Escalation Scripts, 3 Invoice Templates \u0026 Late-Fee Math (Printable PDF)","description":"\u003cp\u003eFreelancers don't have a payment problem. They have a follow-up problem. The Invoice Chaser is the late-payment system that turns awkward chasing into a process you can run on autopilot. The 16-page printable PDF starts with three invoice templates — simple, detailed and recurring — that set payment terms, late fees and the exact words that make a client pay on time next time. Then it gives you 12 escalation scripts that take you from the friendly day-after reminder to the firm final notice before legal action, each one written in plain English and ready to copy, paste and send. The late-fee math is worked out in full, with a calculator you can use to add the right fee to any invoice without arguing about it. And the client-risk scorecard tells you which clients to take a deposit from before you start work, so you never chase the same invoice twice. Stop writing off late payments as the cost of freelancing. Chase them properly, and get paid.\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955583062271,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-invoice-chaser-01.png?v=1794124281"},{"product_id":"the-wedding-ledger-wedding-budget-planning-system-3-worked-budgets-15k-30k-60k-60-vendor-questions-12-month-3-month-timelines-run-sheet-printable-pdf","title":"The Wedding Ledger — Wedding Budget \u0026 Planning System: 3 Worked Budgets ($15k \/ $30k \/ $60k), 60 Vendor Questions, 12-Month \u0026 3-Month Timelines, Run Sheet (Printable PDF)","description":"\u003cp\u003eA wedding is the most expensive party you will ever throw, and the fastest way to blow the budget is to start spending before you've written it down. The Wedding Ledger is a 20-page budget and planning system that starts with three fully worked budgets — $15,000, $30,000 and $60,000 — so you can see exactly where the money goes at your price point, then build your own line by line. The vendor comparison sheets cover the photographer, the venue, the caterer, the florist and the band, with 60 questions to ask before you sign anything, including the five that save couples an average of $2,400. The 12-month timeline and the 3-month countdown tell you what to book when, and the run sheet for the day itself keeps the ceremony, the speeches and the first dance running on time. It is designed to be printed and kept in a binder, because a wedding binder that actually gets used is worth more than a spreadsheet nobody opens. Plan the wedding. Keep the money.\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955588927743,"sku":null,"price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-wedding-ledger-01.png?v=1794124378"},{"product_id":"the-landlord-ledger-small-landlord-system-rent-roll-maintenance-workbook-excel-google-sheets-tenant-screening-condition-forms-pdf","title":"The Landlord Ledger — Small Landlord System: Rent Roll \u0026 Maintenance Workbook (Excel \/ Google Sheets) + Tenant Screening \u0026 Condition Forms (PDF)","description":"\u003cp\u003eOne bad tenant can cost a landlord more than a year of rent, and one lost receipt can cost you the deposit dispute. The Landlord Ledger is the small-landlord system that keeps both from happening. The Excel workbook has three tabs with live formulas: a rent roll that tracks every unit, every tenant, every payment and every late fee in one place, a maintenance log that records the date, the cost, the contractor and the warranty expiry for every repair, and an annual summary that turns the year's numbers into a tax-ready total your accountant will actually thank you for. The 12-page forms PDF gives you the paperwork to match: a tenant screening form with the questions you're allowed to ask and the ones you're not, a move-in condition report with room-by-room checklists, and a deposit return worksheet that makes the maths visible to both sides. It works in Excel or Google Sheets, for one property or ten. Being a landlord is a business. Run it like one.\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955595907327,"sku":null,"price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-landlord-ledger-01.png?v=1794124475"},{"product_id":"the-debt-snowball-kit-debt-payoff-system-snowball-vs-avalanche-worked-in-full-on-an-18-240-debt-stack-24-months-of-trackers-creditor-call-scripts-printable-pdf","title":"The Debt Snowball Kit — Debt Payoff System: Snowball vs Avalanche Worked in Full on an $18,240 Debt Stack, 24 Months of Trackers \u0026 Creditor Call Scripts (Printable PDF)","description":"\u003cp\u003eDebt feels endless when you only look at the total. The Debt Snowball Kit makes it finite by working one real example all the way through: an $18,240 debt stack — a credit card, a store card, a personal loan and a car loan — paid off in 24 months, month by month, with every payment, every interest charge and every balance shown. You see the snowball method and the avalanche method run side by side on the same debts, so you can decide for yourself which one gets you debt-free faster and which one keeps you motivated. The 19-page printable PDF includes 24 months of trackers you can fill in by hand, a minimum-payment trap explainer that shows why paying the minimum keeps you in debt for 11 years, and creditor call scripts for asking for a lower rate, a hardship programme or a settlement — with the exact words to use and the ones to avoid. Print it, fill in your own debts and start the clock. The total only goes down from here.\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50955604033791,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-debt-snowball-kit-01.png?v=1794124567"},{"product_id":"the-payoff-planner-interactive-debt-payoff-simulator-snowball-vs-avalanche-simulated-live-on-your-own-numbers-debt-free-dates-the-exact-interest-difference-a-payoff-order-with-a-date-for-every-debt-single-html-file-works-offline","title":"The Payoff Planner — Interactive Debt Payoff Simulator: Snowball vs Avalanche Simulated Live on Your Own Numbers, Debt-Free Dates, the Exact Interest Difference \u0026 a Payoff Order With a Date for Every Debt (Single HTML File, Works Offline)","description":"\u003cp\u003eEvery debt guide tells you to pick snowball or avalanche — smallest balance first for the quick wins, or highest APR first for the lowest cost — and then leaves you to guess what your choice is actually worth on your debts, which is how people pick a route in January and quietly give up on it by June. The Payoff Planner is an interactive debt payoff simulator, delivered as one single HTML file, that runs both routes on your real numbers at the same time so the trade-off stops being a guess: type in each debt once — name, balance, APR, and the minimum from your statement — set one extra monthly payment you can drag up and down with a slider, and both strategies are re-simulated live on every change. You get a debt-free date for each route, the total interest for each route to the cent, your total repaid and months to free on each, the date your first debt disappears on each, a verdict line that states the exact dollar difference between the two routes in plain words, an animated chart that draws your total balance falling to zero under both routes month by month, and a payoff order for whichever route you select, listing every debt in the order it falls with the month it hits zero — plus a print-friendly view of the whole plan from the Print button, so the plan can live on paper as well as on your phone. It opens with a clearly labeled sample already loaded so you can watch it work before typing anything, and one tap clears the sample for your own debts; your entries save automatically in the browser on your device, a Reset button wipes them and brings the sample back, and the file works fully offline with no account, no login, and no subscription. Proof you can check from this listing alone: the built-in sample is five debts — a $620 medical bill at 0% ($25 minimum), an $850 store card at 26.99% ($25), a $1,475 credit union card at 9.99% ($30), a $3,240 credit card at 22.99% ($75), and a $5,600 personal loan at 11.49% ($112) — $11,785 in total, paid with the $267 of combined minimums plus a $150 extra. Simulated month by month, with interest charged monthly at APR ÷ 12 and rounded to the cent and every minimum held fixed, the snowball route finishes in 36 months with $2,825.45 of interest and its first debt gone in month 4, and the avalanche route finishes in 35 months with $2,439.11 of interest — a difference of exactly $386.34, which is precisely what the planner's verdict line reports when you open it, and the engine behind it was verified against an independently written simulation, matching to the cent. What this is: a planning tool that makes the cost of each payoff order visible before you commit to one. What this isn't: financial advice, and it never connects to your bank, moves money, or pays anything for you — your numbers are stored only in your own browser and are never uploaded. It assumes the minimums you enter stay fixed, that no new charges, fees, or penalty APRs land mid-plan, and that in a real month the timing of due dates can shift things slightly; if you cannot cover your minimums, are facing collections or legal action, or are considering bankruptcy, a nonprofit credit counselor should see your real numbers first, and the planner says so on its own page. Do not buy it if you carry only one debt — with nothing to reorder, a free calculator tells you the same thing — or if you want an app that syncs accounts automatically; this is deliberately a private, offline file you control. The price is $15, once, for a verified simulation engine you keep forever with nothing to renew: on the sample stack alone, the decision it prices is worth $386.34 and one month of your life, and it will re-price that decision every time your balances change. Ideal for anyone carrying several credit cards or a mix of cards and loans, people choosing between the debt snowball and debt avalanche methods, and anyone searching for a debt payoff calculator, debt-free date planner, snowball vs avalanche comparison, or an interactive debt tracker that works offline.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50978157527295,"sku":null,"price":15.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-payoff-planner-01.jpg?v=1794291746"},{"product_id":"the-nightly-count-interactive-shift-tip-tracker-for-cash-paid-workers-true-hr-on-every-shift-week-month-totals-running-averages-the-tip-money-split-on-every-night-single-html-file-works-offline","title":"The Nightly Count — Interactive Shift \u0026 Tip Tracker for Cash-Paid Workers: True $\/Hr on Every Shift, Week \u0026 Month Totals, Running Averages \u0026 the Tip Money Split on Every Night (Single HTML File, Works Offline)","description":"\u003cp\u003eIf you work for tips, the number you remember at the end of the night is almost never the number you earned — part of it went back as tip-out, the hours blur together, and a great Friday quietly covers a terrible Tuesday, so you can't say what a shift actually pays you or whether the job is getting better or worse. The Nightly Count is an interactive shift and tip tracker, delivered as one single HTML file, built for cash-paid and tipped workers: one row per shift — date, hours, tips, tip-out — and it computes everything else. Each row shows its net (tips − tip-out) and its true $\/hr the moment you type it; a headline panel keeps four running figures current — your overall true $\/hr across every logged shift, total net tips kept, average gross tips per shift, and average net per shift; two period tables break the same numbers down by week (Monday to Sunday) and by month, each with shifts, hours, gross tips, tip-out, net, and true $\/hr, so a slow week can no longer hide inside a good month; and the Tip Money system's split — Bills 50%, Life 20%, Set-aside 15%, Buffer 10%, Yours 5% — is applied to your total net in its own panel and to every single night individually, from a button on each ledger row or all rows at once. Proof you can check from this listing alone: the tool opens with a clearly labeled sample of six shifts — Oct 30 (6 hrs, $138.00 tips, $16.00 out), Oct 31 (7 hrs, $192.00, $24.00), Nov 2 (6 hrs, $142.00, $18.00), Nov 3 (5.5 hrs, $118.50, $15.00), Nov 6 (6.5 hrs, $154.25, $20.00), Nov 7 (8 hrs, $210.00, $25.00) — 39 hours, $954.75 gross, $118.00 tipped out, $836.75 net, a true $21.46\/hr, and a Tip Money split of $418.37 \/ $167.35 \/ $125.51 \/ $83.68 \/ $41.84, which is exactly what the tool displays when you open it; the shares are rounded to the cent with the Bills share absorbing the one-cent rounding difference, so they always add back to your exact net, and the math engine was verified against an independently written recomputation of every figure, matching on all scenarios including the edge cases. The edge cases are handled honestly and say so on the page: a shift with 0 hours still counts its tips but shows no $\/hr and is flagged instead of dividing by zero; a night where tip-out is larger than tips goes negative and is shown negative, in red, counted negative in every total — never rounded up to zero; and if your whole total is negative, the split shows negative shares with an explanation rather than pretending there is something to set aside. Any row can be edited in place or deleted, new shifts take one tap, a Print button produces a clean paper ledger, and everything saves automatically in the browser on your device — no account, no login, no subscription, and the file works fully offline. One tap clears the sample for your own shifts, and Reset brings the sample back. What this is: a private counting tool that tells you what your shifts really pay. What it isn't: it counts tips only — true $\/hr does not include an hourly wage unless you add a night's wage to its tips yourself (the page explains this) — and it is not tax, payroll, or financial advice, and it never uploads your numbers anywhere. Do not buy it if your pay has no tip or cash component to track, if you need an app that syncs between devices or connects to a payroll system, or if you want wage, tax, and overtime calculations — this is deliberately a focused, offline ledger for the tip side of the night. The price is $15, once, for the file, yours to keep: on the sample alone it turns six blurry nights into one exact number — $21.46 an hour — and it will do the same for every shift you log from tonight on. Ideal for servers, bartenders, server assistants, barbacks, delivery drivers, valets, and anyone paid partly in cash tips who searches for a tip tracker, shift log, tip-out calculator, true hourly rate tracker, or a nightly earnings ledger that works offline.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50978193867007,"sku":null,"price":15.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-nightly-count-01.png?v=1794291895"},{"product_id":"the-budget-board-interactive-monthly-budget-planner-every-income-source-bills-sorted-by-due-date-spending-limits-with-over-limit-flags-an-honest-leftover-a-savings-goal-tracker-single-html-file-works-offline","title":"The Budget Board — Interactive Monthly Budget Planner: Every Income Source, Bills Sorted by Due Date, Spending Limits With Over-Limit Flags, an Honest Leftover \u0026 a Savings-Goal Tracker (Single HTML File, Works Offline)","description":"\u003cp\u003eMost budgets fail in the same place: the bills live in one app, the spending lives in your head, and the leftover is whatever you hope is true until the day it isn't. The Budget Board is an interactive monthly budget planner, delivered as one single HTML file, that puts the whole month on one board. You get a headline strip with the four numbers that matter — leftover, total income, total fixed bills, and spent so far; an income section that takes multiple sources as separate lines, because a main job and side work do not arrive the same way; a fixed-bills section where every bill carries an amount and a due day (1–31) and the list is always displayed in due-date order, earliest first, no matter what order you type them in, with the first due bill named in the totals; a spending-categories section where each category gets a monthly limit and a spent-so-far, with the remaining amount, a percent-used bar, and — when you go over — a red over-limit flag with the exact amount over, never a quiet stop at zero; a second leftover figure that shows what remains if every category is spent to its limit, so a good-looking month cannot hide money that is already committed; and a savings-goal tracker with a name, a goal amount, saved so far, a progress bar, the percentage, and the exact amount still to find. Proof you can check from this listing alone: the board opens with a clearly labeled sample month — income of $2,850.00 (main job) plus $640.00 (side shifts), six bills totaling $1,651.00 (Rent $1,250.00 due day 1, Electric $96.00 day 8, Phone $68.00 day 12, Car insurance $142.00 day 15, Internet $60.00 day 21, Gym $35.00 day 24), and five categories with $1,120.00 of limits and $794.55 spent, including Eating out deliberately over its $180.00 limit at $196.50 so you can watch the flag work — and the board's headline leftover reads $1,044.45, which is exactly $3,490.00 − $1,651.00 − $794.55; the sample's savings goal, a $3,000.00 emergency fund with $1,140.00 saved, reads 38% with $1,860.00 to go. Every figure in the tool was verified against an independently written recomputation, matching on all scenarios including the uncomfortable ones: if your fixed bills alone exceed your income, the board prints the shortfall in red and starts the month negative, because a planner that clamps bad news to $0.00 is lying to you; save past a goal and the percentage honestly reads over 100% with the extra shown. Rows can be added, edited, and removed in every section; a Print button gives you a clean paper copy of the board; and everything saves automatically in the browser on your device — no account, no bank connection, no subscription, and the file works fully offline. One tap clears the sample for your own month, and Reset brings the sample back. What this is: a one-month-at-a-time planning board you update as the month moves. What it isn't: financial advice; it does not track individual transactions or daily spending, does not carry balances between months (print the board at month's end, then update the spent figures), and does not move, hold, or connect to any money. Do not buy it if you want an app that imports bank transactions automatically, a multi-month or multi-account system, or a daily expense diary — this is deliberately one honest page for one month. The price is $12, once, for the file, yours to keep: the sample month shows exactly what it does — it turns five scattered numbers into one leftover you can trust, minus sign included when there is one. Ideal for anyone building a first real monthly budget, households combining several incomes, people paying down fixed bills on a schedule, and anyone searching for a monthly budget planner, bill due-date organizer, spending limit tracker, leftover calculator, or savings goal tracker that works offline.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50978261598463,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-budget-board-interactive-monthly-budget-planner-every-income-source-bills-sorted-by-due-date-spending-limits-with-over-limit-flags-an-honest-leftover-a-savi-9958761.png?v=1794513862"},{"product_id":"the-route-book-delivery-driver-earnings-safety-playbook-offer-math-deadhead-control-night-safety-vehicle-tax-basics","title":"The Route Book — Delivery-Driver Earnings \u0026 Safety Playbook: Offer Math, Deadhead Control, Night Safety, Vehicle \u0026 Tax Basics","description":"\u003cp\u003eThe app says you made $23.67 an hour. The car took $75.60 of the night getting it done. Both numbers are real — and only one of them is on your screen.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eThe pain it solves:\u003c\/strong\u003e judging delivery work by gross. A $142 night over 168 miles nets $66.40 after the car is honestly paid — $11.07 an hour, not the $23.67 the app showed — and the biggest offer of the evening is routinely the worst-paid work in it, because nobody taught you to test an offer on total miles and real minutes before accepting it. This book is that test, plus the systems around it: deadhead control, night safety, vehicle costs, and the mileage log that turns your driving into a deduction instead of a guess.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eWhat's inside (18 pages, US Letter, printable):\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe acceptance test: two formulas — $\/mile on total miles, and true $\/hour after vehicle cost — with honest guidance for setting your own floors, and a fifteen-second mental version for the phone screen\u003c\/li\u003e\n\u003cli\u003eThree fully worked offers, every line recomputed: an $8.50 offer that nets $15.82\/hr true (decline), an $18.00 offer over 17 miles that nets $12.94\/hr true (the trap — decline), and a $6.25 offer over 2.7 miles that nets $21.58\/hr true (accept) — plus a stacked pair worked the same way at $22.10\/hr true\u003c\/li\u003e\n\u003cli\u003eDeadhead control: the ratio formula, a worked week at 36.2% deadhead (94 of 260 miles), what trimming it to 28% is worth (~$490 a year at the example cost), and the five rules that move it\u003c\/li\u003e\n\u003cli\u003eStacking and batching treated strictly as general practice plus arithmetic — including the wait-cost rule: at an $18\/hr floor, every waiting minute costs about $0.30, so a 12-minute wait must add $3.60 just to break even\u003c\/li\u003e\n\u003cli\u003eA night safety system in two parts: the car and the door (pre-shift checks, doorstep protocol, the wrong-feeling rule), and fatigue and incidents, built on NHTSA's findings — 4–5 hours of sleep linked to more than five times the crash rate of 7–8 hours, high-risk windows of midnight–6 a.m. and 2–4 p.m., and the caffeine-plus-nap strategy\u003c\/li\u003e\n\u003cli\u003eVehicle costs from AAA's Your Driving Costs 2024 ($12,297 a year for a new car, ~82¢\/mile; fuel 14.90¢\/mile; maintenance, repair and tires 10.13¢\/mile), a four-line method for your own cost per mile, and a per-mile sinking fund that puts about $101.30 a month aside at 1,000 miles a month\u003c\/li\u003e\n\u003cli\u003eTax mileage basics: the IRS 2025 standard mileage rate of $0.70\/mile, year-labelled wherever it appears; the Publication 463 adequate-records standard (date, mileage, destination, business purpose, kept at or near the time); a worked 12,400-mile year worth an $8,680 deduction at the 2025 rate; and a pointer to The Miles Book in this store as the logging tool built for it\u003c\/li\u003e\n\u003cli\u003eA nightly 10-minute close-out and weekly scorecard system, edge-case decision rules (long waits, wrong addresses, breakdowns, dangerous weather), and four printable tools: a pocket offer-screening card, a shift log, a weekly scorecard, and a cost-per-mile worksheet\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eOne discipline, kept throughout:\u003c\/strong\u003e no platform's stacking, pay, or acceptance policy is stated as fact anywhere in this book, because those rules change and could not be verified to the standard the rest of the book is held to — stacking is covered as general practice and arithmetic only, and page 18 says exactly what was hedged and why. Every verified figure is sourced on page 18: IRS, AAA, and NHTSA.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eHonest scope:\u003c\/strong\u003e this is a working manual for delivery and gig drivers who own their vehicle costs and want to know their true hourly rate. It is not tax, legal, insurance, or financial advice — the tax chapter is general information that points you to a professional for your first-year method choice, and the insurance note is deliberately general because cover depends on your policy. It is not a platform tutorial: no app screens, no app-specific tricks, and nothing that depends on one company's current rules. If you drive under a fleet or employer arrangement where someone else carries the vehicle and the taxes, this book's math does not describe your job — do not buy it. If the car and the taxes are yours, it does.\u003c\/p\u003e\u003cp\u003ePrice: $15 for the 18-page printable PDF — less than one accepted Offer B costs you in an evening.\u003c\/p\u003e\u003cp\u003eDigital download — delivered instantly after checkout.\u003c\/p\u003e","brand":"mxtches101","offers":[{"title":"Default Title","offer_id":50978557264127,"sku":null,"price":15.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0851\/1147\/2383\/files\/the-route-book-delivery-driver-earnings-safety-playbook-offer-math-deadhead-control-night-safety-vehicle-tax-basics-4714739.png?v=1794513746"}],"url":"https:\/\/mxtches101.myshopify.com\/collections\/life-money-systems.oembed","provider":"Elsewhere","version":"1.0","type":"link"}