The Stewardship Ledger

A method, not a spreadsheet.

For four generations, my family kept three ledgers in the desk drawer at Beacon Hill: 
one for the household, one for the family enterprise, one for the estate. They balanced 
them by hand each Sunday after morning service.

This is that practice, brought into our century.

Six volumes within a single book:

I.   Personal Cashflow — Twelve months of household income and expenditure across 
     fifty pre-arranged categories in the Brahmin tradition.

II.  Personal Net Worth — A quarterly inventory of what one owns, what one owes, 
     and what remains. The single number a gentleman ought to know about himself.

III. LLC Profit & Loss — The household enterprise's revenue and expense across 
     twelve months. Margin calculations performed automatically.

IV.  LLC Tax Tracker — Quarterly estimated payments to the Treasury, sixteen 
     deductible categories, and a running tally of what is owed.

V.   Annual Summary — The single page one reads on New Year's Eve. 
     Personal and enterprise side by side.

VI.  Cover & Method — A letter on stewardship, and instructions on how the 
     ledger is properly kept.

Six hundred and fifty formulas built in. Zero errors. Compatible with Excel, 
Numbers, Google Sheets, LibreOffice. Delivered as a single file the moment 
your order is placed.

A ledger is not a budget. A budget tells you what to do; a ledger tells you 
what you have done. The first is for the young, the second is for the responsible.

— Sir Edmund Cavendish-Hale, Beacon Hill