My Money, My Rules (English Edition) — FY 2027-28 Money Planner for Indian Homes: Your Own 10 Rules + 12 Monthly Closes, Write-In

You don’t earn too little. You just don’t know where it went.

By the 25th the account is nearly empty. Salary came in, rent and the EMI went out, then food delivery, a cab, a friend who needed a loan… and savings is zero again. Most people try an expense app or a diary and quit in the third week. Nobody can log every cup of coffee.

This planner never asks you to. You write your rules once a year and sit down once a month for twenty minutes. As the first page puts it: “Rules once. A close once a month. Nothing daily.”

One month, the whole close

On the 1st, one page to plan: income expected, the big costs coming up, and the one rule to watch this month. At the end of the month, the rest — with your bank and UPI list open beside you.

• Plan — income expected, big costs and dates
• Income — what was expected and what came, cash included
• Spending — not every coffee, just the heads: planned, spent and the difference
• Savings — what was saved, where it went, which goal it moved
• Lending, EMIs and loans — lent, borrowed, returned, still due
• Rules — kept or not, one mark against each rule
• One honest line — and the month’s four numbers at a glance
• Notes and receipts — paste the slips that matter

Your rules. The book only gives the structure.

The book hands you no rules. It first shows what a good rule looks like — short, clear, with a number or a date in it. One of its samples: “Any purchase above ₹2,000 waits three days.” Then you write your own ten, and every month one page shows which ones held and which broke.

There are rules for hard moments too, decided in advance: when a relative asks for a loan, when someone comes home to sell a policy, when someone says ‘double your money’. You won’t have to think in the moment — you already wrote it down.

The money no app keeps track of

In an Indian home, money isn’t only in the bank. It is lent to a cousin, kept as gold in the cupboard, sitting in an office kitty or a chit fund, given as shagun at weddings. Each of these has its own place here — a lending register, gold and silver, committee instalments, shagun given and received, and even the monthly milk, newspaper and house-help account.

For your family, everything in one place

Where the important papers are and who at home knows. Whether every account and policy has a nominee. And a page called “If something happens to me” — so nobody has to run around on a hard day. There is deliberately no space anywhere for a full account number, a PIN or a password.

At the end of the year, the whole year in one place

Each month’s four numbers — in, out, saved, loans due — come together on one page at the year’s end. Then a page to compare with last year. In your first year that column stays empty; next year, this book’s numbers become ‘last year’.

There is no investment, insurance or tax advice in this book. In its own words: “This book is for writing your own plan — not investment, insurance or tax advice.”