Write a line each time money comes in, goes out, or moves between your accounts. The file keeps a balance for each place your money lives (cash, your bank, OPay, Moniepoint, M-Pesa, MoMo...) and shows, month by month, what came in, what went out and what you took for yourself.
Once a week, you type the real balance from each app. The file shows the difference, account by account. In the example file, this check finds a ₦45,000 transfer that a customer said she had sent and that never arrived.
Every Money in line has a "Checked in app?" column. Anything you haven’t confirmed in your own banking or mobile money app shows in orange, because a screenshot from a customer is not proof.
When a line is incomplete (no amount, no account, a Move without its destination), the file says what to fix next to it.
You get the empty file, an example file filled in for Ada, a made-up wig seller in Yaba, Lagos, with figures that add up, and a guide with pictures of each step taken from that example.
We checked it in Google Sheets: its figures match our tests. It is made for Excel 2016 or later too, using only functions both have, but we haven’t opened it in Excel ourselves yet. Any currency.
What you get
