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The Problem Receipt: write the problem the way your customer says it

One sentence in your customer's words, with what the problem costs them and what they do about it today. Here's how to fill it in, and a free copy.

3 min read · Updated 1 Nov 2026

The short answer

A Problem Receipt is one sentence that describes your customer's problem in their own words: when it happens, what it costs them and what they do about it today. It separates the symptom you noticed from the problem underneath, and it's finished when it names at least one consequence you could observe.

People rarely pay because a problem is interesting. They pay because it costs them time, money, certainty, status or sleep. The Problem Receipt makes you write that cost down, in the customer’s words, before you build anything to fix it.

It’s one of the 30 tools in Humble’s 30 days, and the free copy below is the same template.

What goes on it

The receipt is one sentence and five short lines:

LineWhat you writeWhy it’s there
The sentenceWhen [situation] happens, [customer] struggles to [job]Puts a real moment and a real person in the problem
This costs themTime, money, risk, embarrassment, lost work, repeated effortThe cost is what makes someone act
Today theyWhat they already do about itYour real competitor is usually the workaround
They care becauseWhat the cost does to themThe reason they’d make time for you
Evidence I haveWho told you, and what they saidSeparates what you know from what you’re guessing
Still to verifyWhat you’re assumingYour questions for the next conversation

How to fill it in

  1. Start from one real conversation. Think of the last person who described the problem to you. If there hasn’t been one, have one first.
  2. Write the sentence in their words. Use the phrase they used. If they said “the paperwork eats my week”, write that, not “administrative overhead”.
  3. Separate the symptom from the problem. The symptom is what you noticed. The problem is what it costs them. Keep going until you reach the cost.
  4. Name what they do today. A spreadsheet, a favour from a friend, a lawyer, ignoring it. Whatever it is, you have to be better than that, at a price that makes sense next to it.
  5. Label your guesses. Anything you haven’t heard from a customer goes on the last line.

The three most common mistakes

Writing it in your language. Founders describe problems in the vocabulary of their solution. Customers describe the Tuesday it went wrong. If your receipt could be a line on your own landing page, rewrite it.

Stopping at the symptom. “Small businesses struggle with marketing” has nobody in it and no cost. Ask “and what happens then?” until you reach something that costs money or time.

Promoting a guess to a fact. A sentence that reads well is tempting to believe. If nobody has told you it, it belongs on the “still to verify” line.

Worked example

The same method, two kinds of business.

The symptom: “Agency owners need HR support.”

The Problem Receipt: when someone joins or leaves, the owner of a 20-person agency loses most of a week to contracts and paperwork they half understand.

This costs them: about a week of their time four or five times a year, and twice this year a mistake that cost money or a relationship.

Today they: copy last year’s contract and ring a lawyer when something goes wrong.

Still to verify: how often it really happens, and whether a lawyer’s bill is the cost they’d compare you to.

When it’s done

It’s done when you have a plain-language problem and at least one consequence you could observe, like a lost booking, a week of the owner’s time or a bill. Make it specific enough that someone else could go and check it, even if you’re still unsure it’s true.

Questions

What's the difference between a symptom and a problem?

A symptom is the thing you noticed from outside, usually in your words. The problem is what it costs the person living with it. "Needs better scheduling" is a symptom. "Loses two paid slots a week to no-shows" is a problem.

What if I don't have evidence yet?

Write the sentence anyway and label it a hypothesis. Then the "still to verify" line becomes your list of questions for the next conversation.

Can I write one for a problem I have myself?

Yes, as a starting point. Then check it with other people who have the problem, because your version of the cost is only one data point.

How long should it take?

About forty minutes once you've had a couple of conversations. If it takes longer, you probably need another conversation more than more writing.

Next step

Is your idea worth 30 days? Find out free.

Five questions about your idea and a straight answer. It's week zero of Humble's 30 days, and it costs nothing.

About The Edge

The Edge is Humble's publication for first-time founders: one real question at a time, answered straight, every claim linked to its source. How we write

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