The Life Ledger
Every purchase is a trade.
This ledger contains the tools you need to audit those trades with precision. Use the Time-to-Value Calculator to translate dollars into the literal hours of your life required to earn them, and the Clothing ROI Calculator to determine the "Cost Per Wear" of your wardrobe.
Stop looking at price tags and start measuring the true impact on your life and your labor.
Shop consciously. Own intentionally.
Logic Check:
Finding Your True Hourly Rate
Calculate the cost of an item by comparing it to what actually hits your bank account. To find your Take-Home Wage for the calculator above:
Find your Net Pay: Look at your last paycheck and find the "Net Pay" (the amount actually deposited, after taxes and deductions).
Check your Hours: Look at the total hours worked for that specific pay period.
The Math: Divide your Net Pay by your Total Hours.
Example: If your take-home pay is $1,200 for a 40-hour week, your Take-Home Wage is $30/hour, regardless of what your official "Salary" says.
The Procurement Audit:
Attire ROI
The sticker price you see at the register is a vanity metric. A Household CFO knows that the only number that actually matters is the Cost Per Wear (CPW).
How to use this tool: Don't just calculate for things you want to buy. Audit the "dead capital" already hanging in your closet. Use the math to see which items are working for you and which ones are simply financial leaks.
Investment Assets: High sticker price, but low CPW (The coat you wear every day for 5 years).
Vanity Leaks: Low sticker price, but high CPW (The "bargain" dress you wore once and never again).
The Math: Divide the Price of the Item by the Number of Times you’ve worn it (or expect to wear it).
Example: A $200 pair of boots worn 100 times costs $2/wear. A $40 "sale" top worn twice costs $20/wear.
