Accounting · Real Life

Life adds up.
Are you counting?

Every financial decision you make has a double entry. One side shows up in your bank account. The other one doesn't. Meet Bill — he's learning to read both.

Read latest entry Start from zero
Double Entry Life FY 2026
Bill
B I L L
CASH
EQUITY
STRESS
FUTURE

"Bill grows with the story.
You can start with yours."

Origin

Meet Bill

Bill is 38. He has a salary, a mortgage, a car on finance, and a vague feeling that his money is going somewhere he can't quite see. Every episode, we open his personal ledger — and apply accounting concepts to understand what's really happening.

Bill's Monthly Ledger — Baseline
Net income +€2,500
Mortgage −€800
Car finance −€350
Groceries −€400
Utilities −€150
Fuel & transport −€80
Subscriptions −€70
Miscellaneous −€200
Monthly surplus +€450
🏠
Property
House worth €180k. Mortgage residual: €120k. Equity: €60k.
💰
Savings
€25,000 in liquid savings. No investments yet.
🚗
Car
Financed at €350/month. Losing value every day — whether he sees it or not.
📊
Net worth
Assets minus liabilities: −€35,000. Bill is technically underwater. He doesn't know it yet.
⏱️
Working since
15 years. Enough to know better. Not quite enough to act on it.
The Ledger

All entries

Each entry is a moment in Bill's life — and a concept from accounting made real. You can start anywhere. Every entry stands on its own.

Entry 01 Now available
Where does my salary go?
Bill receives €2,500 net. By the end of the month, he can't account for where it went. The difference between income and cash flow — and why your bank app is lying to you.
Cash Flow vs Income →
Entry 02 Aug 2026
The cost your bank statement hides
Bill buys a car on finance. His bank shows a surplus. His ledger tells a different story.
Depreciation —
Entry 03 Sep 2026
Your personal balance sheet
Bill opens a spreadsheet and tries to count everything he owns — and everything he owes. The number surprises him.
Assets & Liabilities —
New here?

You're not late.
You're just meeting Bill where he is.

Bill is already in motion. His ledger is open. You can follow along from today — or go back to Entry 01 and start from the beginning. Either way, every entry makes sense on its own.

Start with Entry 01

No account needed. No catch. Just Bill and his ledger.