• One Surprise Bill Away From Broke? — main guide cover
  • Complete digital bundle for One Surprise Bill Away From Broke? The Emergency Fund Playbook
  • Emergency Fund Tracker — Excel tracker preview
  • The Emergency Fund Toolkit — bonus toolkit
1 4

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Build an Emergency Fund

Build the buffer that stops every surprise turning into debt

Main guide, page 1
Main guide, page 2
Main guide, page 3
Toolkit, page 1
Toolkit, page 2

Most months work. Then the car, the tooth or the boiler. Work out how big your buffer needs to be from your own essentials, keep it where you will not raid it, and refill it on a rule after every hit. You start from whatever you have now.

You get: the guide, worksheets and an Excel tracker.

€14,90
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Three files included
  • 01The main guideTells you what to do, in orderPDF · 30 pp
  • 02The Emergency Fund ToolkitHelps you make the decisionsPDF
  • 03Emergency Fund Control TrackerKeeps the numbers and your progressExcel

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Sound familiar?

One unexpected bill and the whole month falls over

Nothing dramatic has gone wrong. The budget works until something breaks, and then the card comes out and the balance never quite goes back down. Without a buffer, every ordinary surprise turns into debt.

The shift

Where you are now, and where you will be

  1. Right now Every surprise goes on the card After the guide Surprises come out of the fund
  2. Right now Savings and spending live in the same account After the guide The money sits somewhere separate and reachable
  3. Right now Emergency means whatever feels urgent today After the guide You decided what counts before it happened
  4. Right now The buffer never gets rebuilt After the guide The fund refills on a rule, not on willpower

What you get

Three files that work together

The guide tells you what to do. The worksheets help you decide. The tracker keeps the numbers, so you can see the progress.

One Surprise Bill Away From Broke? — main guide cover
File 1

Tells you what to do, in order

The main guide

A fund sized against your actual essentials, kept somewhere reachable but not spendable, and refilled on a rule instead of on willpower. You will decide what counts as an emergency before you...

  • Why one surprise bill can wreck the month
  • What an emergency fund is, and is not
  • Your personal risk map
  • Pick your starter target
  • and 25 more chapters

PDF · 30 pages

The Emergency Fund Toolkit — bonus toolkit
Included

Helps you make the decisions

The Emergency Fund Toolkit

Calculators and planners that turn the target into a number, and the number into a date.

  • Emergency fund starter calculator
  • Surprise bill triage sheet
  • 30-day starter savings challenge
  • One-month essentials calculator
  • Paycheck transfer planner
  • Emergency contacts and providers
  • Refill-after-use plan
  • Irregular expense sinking fund planner
  • Household emergency plan
  • My emergency fund action plan
Emergency Fund Tracker — Excel tracker preview
Included

Keeps the numbers and your progress

Emergency Fund Control Tracker

Sizes the fund, tracks every contribution, and stress-tests it against the surprises that actually happen.

  • Start here: the five steps, the emergency test and the colour key
  • Dashboard with coverage charts
  • Essentials and target calculator
  • Emergency test: is this really an emergency?
  • Sinking funds for predictable irregular costs
  • Contribution log and emergency use log
  • Stress test against real scenarios
  • Monthly review

Chapter by chapter

What is in the guide

Why one surprise bill can wreck the month

What an emergency fund is, and is not

Your personal risk map

Pick your starter target

Emergency fund vs sinking funds

Where to keep the money

Build it without feeling deprived

When to use the emergency fund

Show all 29 chapters Show fewer chapters

The first 30 days: your emergency fund reset

Build the first small buffer fast

The paycheck transfer rule

Emergency fund targets by life stage

The emergency fund ladder

Where your emergency money should live

What counts as an emergency?

The refill rule after life happens

Protect the fund from yourself

Emergency fund while paying debt

Your monthly emergency fund review

If your income drops suddenly

Medical bills: do not panic first

Car repair without the credit-card panic

Pet emergencies count too

Rent gap survival plan

Build one month of essentials

From one month to three months

Create a household emergency plan

Keep the fund alive

Your emergency fund action plan

Before you decide

What you will be able to do

  • How to size the fund against your real essential costs, not a round number
  • The difference between an emergency fund and a sinking fund, and why you need both
  • Seven ways to build a buffer without feeling deprived
  • Where to keep the money so it is reachable but not spendable
  • What actually counts as an emergency, decided in advance
  • How to refill the fund after life happens, without starting from zero

This is for you if

  • You earn enough but a single bill can undo the month
  • You have tried saving and then spent it
  • You want a buffer in place before you start investing

It is probably not for you if

  • You are looking for investment returns
  • You need to deal with debt first — start with The Debt Reset
  • You already hold three to six months of essentials

Pay less for more

This guide is also in a bundle

Same files, more guides, lower price per guide. Every guide keeps its worksheets and Excel tracker.

  • FormatPDF + Excel
  • Guide length30 pages
  • Reading timeabout 45 min
  • LanguageEnglish
  • Edition2026 Edition
  • DeliveryDownload after checkout

After you buy

From checkout to page one in two minutes

  1. 01

    Pay once

    Card or PayPal at checkout. No account needed, nothing renews.

  2. 02

    Download straight away

    The link is on your order confirmation page and in your inbox a minute later.

  3. 03

    Open anywhere, keep for good

    The PDFs open on any phone, tablet or computer. The tracker works in Excel, Numbers and Google Sheets.

Before you buy

Questions people ask first

Is anything posted to me?

No. This is a digital download. The cover images are mockups of what the files look like, not an object that arrives.

What do I need to open the tracker?

It is an .xlsx file: Excel, Numbers on a Mac and Google Sheets all open it. The guide and the worksheets are PDFs and open anywhere.

Does this guide get updated?

Guides are revised when something in them stops being accurate. If you own this one, email us with your order number and we send you the current edition at no cost.

What if something goes wrong?

If a file is damaged, a download does not work, or the guide is not what this page described, email us within 14 days and you get your money back in full. Full terms are in the refund policy.

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