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Work & Business

Invoicing, records, audits, disputes and the job hunt — for people running something small or looking for the next thing.

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How many two-word business names are actually in the hat?
2026-10-23 · 2 min read

A name generator built from a prefix list and a suffix list is just a grid — multiply the two list sizes and that's every combination it can ever produce.

businesswork
Why a bulk rename needs a plan before a script
2026-10-16 · 2 min read

Renaming hundreds of files by a template is one substitution repeated many times — but skip the collision check and two different files can land on the same new name.

devdatarecords
Calculating hours worked from clock times, by hand
2026-10-11 · 1 min read

A timesheet is just a subtraction with a break taken out — except when the shift crosses midnight, which is where most hand calculations quietly go wrong.

everydaydate-timework
A treasurer's report by hand: the statement and the reconciliation
2026-09-30 · 2 min read

Reading the money out to a committee means two separate checks — does income minus expenditure explain the change in balance, and does that match what the bank says.

accountingbusinessmoneyaudit
Mail merge by hand: one template, many finished letters
2026-09-30 · 2 min read

Mail merge is just find-and-replace repeated once per row of data — the only rule that matters is what happens when a row is missing a value.

businessrecordswork
Earthwork cut & fill: the average-end-area method
2026-09-25 · 2 min read

Estimating how much dirt a trench or grading job moves comes down to two cross-section areas, a distance, and a swell allowance — here's the formula and a worked run.

businesstradesconstructionmathestimating
Pricing a powder-coating job: the real cost per part
2026-09-25 · 2 min read

A powder-coat quote is coating material plus labour plus setup, scaled for waste and marked up to a margin — skip a line and you're coating for free.

businesstradesestimatingmoney
Should you pay points on a mortgage? The break-even math
2026-09-24 · 3 min read

Paying upfront points for a lower rate only wins if you keep the loan past the break-even month — two payment formulas and one division answer it for your own numbers.

mortgageloanspersonal-financemoneybusiness
What a car really costs: total ownership, not the sticker price
2026-09-24 · 2 min read

The cheaper car on paper can cost more to own once depreciation, finance interest, insurance, fuel and servicing are added up — here's the arithmetic that catches it before you sign.

moneybusinesspersonal-financecar
Is chasing a lapsed customer worth it? The win-back math
2026-09-24 · 3 min read

A win-back campaign is only worth running if the profit that customer represents beats what the campaign costs to send — five numbers and two multiplications settle it either way.

businessmarketingmoneysmall-business
Comparing two loan offers: total cost beats monthly payment
2026-09-14 · 3 min read

The offer with the lower monthly payment can still cost more overall once you multiply by the term and add the fees — the fix is one formula and a habit of comparing totals, not payments.

loanspersonal-financemoneybusiness
Home insurance coinsurance: what being underinsured actually costs
2026-09-14 · 3 min read

A property policy can cut a claim payout — not just cap it — if you're insured below the coinsurance percentage the policy requires, and checking is one formula you can run before a loss happens.

insurancehomemoneybusiness
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