Ivoin Notes

English notes

English articles. Chinese notes are under 中文.

  1. Review income, spending, savings goals, and a rough debt date in one workbook

    A weekly money review: monthly planned versus actual, a transaction log, savings progress, and a first-pass snowball or avalanche date. Not financial advice.

    personal-financebudgetspreadsheets

  2. Plan a first 90 days on RedNote without hiring a China agency

    A planning setup for Western DTC teams: a calendar from any start date, China shopping peaks, note formats, KOC outreach, and KPIs. No follower promises.

    rednotexiaohongshucontent-planning

  3. Plan the Thanksgiving menu, shopping list, and cook timeline before the day

    Work backwards from dinner time: dishes by course, a categorized shopping list, and an hour-by-hour cook schedule. Not dietary advice.

    thanksgivingmeal-planningspreadsheets

  4. Set a 2027 budget you can actually keep

    One monthly number per category, a transaction log, and a dashboard for income, spending, and what is left. No twelve different budgets.

    budget2027spreadsheets

  5. How to split shared bills without a group-chat argument

    A month-end method for 2–6 roommates, couples, or trip mates: who paid, what share applies, and who settles whom.

    roommatesshared-expensesspreadsheets

  6. Track shared child expenses and who owes whom

    Set each parent's share, log a cost once, and read the balance in a sentence. A record, not legal, tax, or financial advice.

    coparentingexpensesspreadsheets

  7. Compare snowball and avalanche before you pick a payoff order

    List each balance, rate, and minimum, then compare months, interest, and payoff order. The interest figure is a rough estimate, not advice.

    debtspreadsheets

  8. Plan the debt payoff and the trip without mixing the money

    See a snowball versus avalanche estimate, then build a trip budget that fits what is left. Interest figures are educational, not advice.

    debttravelspreadsheets

  9. See who is actually doing the housework

    Name the people, list the chores with points, and check off the week. A log for households, not a lecture. The workbook's labels are in Chinese.

    choresfamilyspreadsheets

  10. A 2027 habit tracker you will still open in March

    Pick fewer habits, track them on a year grid and a monthly page, and review once a week. A printable setup for Letter or A4.

    habitsprintable2027

  11. Run a house-cleaning week from one workbook

    Price the job, log the client, send a numbered invoice, and keep a room checklist. Not tax or legal advice. Check local sales-tax rules yourself.

    cleaning-businessinvoicingspreadsheets

  12. Track LLC expenses without pretending it is a tax return

    A year log of small-business expenses in editable Schedule C-style categories, plus income and a monthly profit view. Not tax advice.

    small-businessexpensesspreadsheets

  13. Track quotes so follow-ups and win rate are visible

    Give every estimate a number and a status, flag anything quiet for seven days, and read win rate and pipeline by month and service.

    quotesfreelancingspreadsheets

  14. Two sheets for a small shop: expenses and quotes

    Keep job costs in one workbook and estimates in another, then read profit and win rate without mixing them. Not tax advice.

    small-businessquotesexpenses

  15. Plan a trip in one workbook: days, money, and the bag

    Put dates, a day-by-day list, planned versus actual spending with a currency conversion, and a packing list in one place before you leave.

    travelbudgetspreadsheets

  16. How to track freelance invoices without a subscription

    Client IDs, invoice statuses, a Friday review, and a one-page invoice. A spreadsheet routine for freelancers who send a handful of bills a month.

    freelanceinvoicingspreadsheets