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:
| Line | What you write | Why it’s there |
|---|---|---|
| The sentence | When [situation] happens, [customer] struggles to [job] | Puts a real moment and a real person in the problem |
| This costs them | Time, money, risk, embarrassment, lost work, repeated effort | The cost is what makes someone act |
| Today they | What they already do about it | Your real competitor is usually the workaround |
| They care because | What the cost does to them | The reason they’d make time for you |
| Evidence I have | Who told you, and what they said | Separates what you know from what you’re guessing |
| Still to verify | What you’re assuming | Your questions for the next conversation |
How to fill it in
- 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.
- Write the sentence in their words. Use the phrase they used. If they said “the paperwork eats my week”, write that, not “administrative overhead”.
- 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.
- 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.
- 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.
The symptom: “Groomers hate no-shows.”
The Problem Receipt: when a client doesn’t turn up, an independent dog groomer loses a paid slot they can’t refill at short notice.
This costs them: the price of the appointment, usually several times a month.
Today they: send reminder texts by hand the night before, when they remember.
Still to verify: how many slots a month they actually lose, and whether a deposit policy already fixes it for most of them.
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.
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