The 6-Month Emergency Fund Plan
Find your number, then a savings schedule with three worked incomes, where to keep the money, a use-it rule, a refill plan and a yearly check.
In Under $15
By Whole Life HQ4 parts · about 4,400 words · printable · read online
Open your copy
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OpenWho it's for
Anyone building a first emergency fund who wants a number to aim for, a monthly schedule that fits their income and a plan for using and refilling it.
What you receive
- 4 written parts, about 4,400 words
- A worksheet for your essentials and four milestones, from a starter fund to six months
- A savings schedule with three filled-in incomes
- Where to keep the money, a three-question use-it rule, a refill plan and a yearly check
4 printable pages, in reading order
- Part 1: Why six months, and what your number is
- Part 2: The savings schedule, with three examples
- Part 3: Where to keep it, and how to save when money is tight
- Part 4: Using the fund, refilling it and your yearly check
See inside
The first 4 pages, as they print.
Look inside
The first page, word for word. 4 printable pages in total.
Part 1: Why six months, and what your number is
General money education, not financial advice. This planner explains how to build and use an emergency fund and gives you worksheets for doing it. It does not tell you how much you must save, where to open an account or which product to buy. Your situation is your own. For help with it, you can use the official sources named in each part, such as consumerfinance.gov and fdic.gov, or talk to a nonprofit credit counselor.
An emergency fund is money set aside for the things you cannot plan to the day but know will happen to someone: a car repair, a medical bill, a broken laptop, a gap between jobs. It is not for sales, vacations or things you could see coming. It is a buffer that lets a bad week stay a bad week, rather than turning into debt.
How to use this planner. Part 1 helps you find your number. Part 2 builds a savings schedule, with three made-up examples at different incomes. Part 3 covers where to keep the money and how to save when money is tight. Part 4 covers when to use the fund, how to refill it and a yearly check. Print the sheets or fill them in on screen. Read the examples first if you like to see finished pages.
What is in each part
- Why six months, and what your number is
- The savings schedule, with three examples
- Where to keep it, and how to save when money is tight
- Using the fund, refilling it and your yearly check
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Downloads included
4 printable pages: see the list
- Part 1: Why six months, and what your number is
- Part 2: The savings schedule, with three examples
- Part 3: Where to keep it, and how to save when money is tight
- Part 4: Using the fund, refilling it and your yearly check
They open in your library, and you can print them, once they are yours.
Who wrote it
Written by the Whole Life HQ team.
Not yet reviewed by an outside expert.
We plan to ask a finance educator to review it. Until then it is general information, not professional advice.
General education, not financial, tax or legal advice. For decisions about your own money, talk to a qualified professional.
How you get it
- In your libraryAfter you pay, it is in your library straight away.
- Any devicePhone, tablet or computer. Print it if you like paper.
- Yours to keepIt stays in your account, and you can come back any time.
