L-EDGER RULE BOOK

If you borrow, you follow.

GENERAL RULES

1. Every loan is documented.
   Amount, date, due date, name, and terms — no exceptions, no oral deals.
2. Return money on or before the due date.
   If you can’t, inform before the deadline. Silence = penalty.
3. Only one active loan at a time.
   No second loan until the first is fully cleared.
4. All loans are tracked.
   Your name stays on record. Your history speaks for you.
5. No updates = No loans.
   Regular communication is part of the deal.
6. Respect the process.
   This is not a favor. It’s a financial agreement.

MONEY LIMITS & CONDITIONS

1. No lending from my emergency cash.
   There’s a separate reserve (“Neat Notes”). That’s untouchable.
2. You can request, but I decide the final amount.
   I’ll lend what I can afford — not always what you ask for.
3. Interest (margin) is fixed and agreed beforehand.
   Once agreed, it cannot be changed. No arguments later.
4. Early payment is encouraged.
   You pay before the due date? You earn my trust.

DELAY RULE (TIME = MONEY)

1. If you exceed the due date, the margin doubles.
   No debate, unless you provide a valid emergency reason like:
   • Major health issue
   • Family emergency
   • Serious personal crisis
2. Excuses won’t work after the date is passed.
   I need to hear your reason before or on the due date.
3. No communication = full penalty.
   Late without a word? You pay double. No more questions. No pleases.

BEHAVIOR & FUTURE ELIGIBILITY

1. Respect the deal or lose future help.
   Break one rule, and your name is flagged.
2. This is not charity.
   Don’t mix feelings into finance. If you're not serious, don’t borrow.
3. No peer pressure.
   Just because someone else got a loan doesn’t mean you will.
4. Don’t ask others to speak for you.
   You borrowed, you talk. No middlemen.
5. My decision is final.
   Lending is at my will. If I say no, it stays no.

TRUST POLICY

1. Build trust through action, not promises.
   Quick returns = easier access next time.
   Delays = locked out or higher margins.
2. Every borrower is on record.
   Good or bad, your history decides your chances.

Final Note:

This rule-book isn’t personal. It’s protection — for me, and for you.

Follow the rules, and we’re good. Break them, and you’re out.