Emergency Fund Starter
Save your first $1,000 cushion, then build toward three months.
A step-by-step plan for finding the money, choosing where to keep it and building an emergency cushion in stages. Includes 5 chapters, a Savings Goal Planner and a Cushion Target Calculator. One-time payment, lifetime access.
- 5 step-by-step chapters
- Savings Goal Planner
- Cushion Target Calculator
- Downloadable PDF
A guide you use, not a file you forget
Emergency Fund Starter runs as a web app in our member area. Read a chapter, use the tools, tick off the action, and pick up exactly where you left off.
5 guided chapters
Short, step-by-step chapters with a progress bar that shows what you have read and what comes next.
Savings Goal Planner
Set your current goal (start with the $1,000 Stage 1 cushion), what you had saved before you began, how many months you want to reach it in, how many months have passed and how many paychecks you receive per month. Log each deposit below. The planner shows your progress, what is left, the amount needed per month and per paycheck, and whether your deposits so far are on track. Figures are for planning only.
Cushion Target Calculator
List only your essential monthly expenses: the costs you would still pay if income stopped and you cut everything optional. Set how many months of cover you are aiming for. The calculator shows your essential monthly total and your Stage 1 ($1,000 starter), one-month and full targets, plus how far your current balance has come. All targets are illustrative planning numbers.
Action Roadmap
One concrete action per chapter, collected in a checklist so you always know the next thing to do in your kitchen.
Downloadable PDF
Every chapter in one clean, printable document. Save it as a PDF to read offline or keep a copy in the kitchen.
Chapter by chapter
A clear overview of what Emergency Fund Starter covers, so you know exactly what you are getting before you buy.
Format & delivery
- Interactive web app: chapters, tools and an Action Roadmap. Nothing to install.
- Your reading progress and tool entries are saved automatically in your browser.
- A downloadable PDF of every chapter for offline reading or printing.
- One-time payment in USD. No recurring charges.
- 01
What an Emergency Fund Is For (and What It Isn't)
A clear definition of an emergency, the three stages of a cushion from $1,000 to three months of essentials, and how to work out your own targets.
- 02
Find the Money: Small Cuts, Windfalls and Unused Items
Practical sources for your first deposits: a 30-day spending scan, a table of small cuts, a plan for windfalls, selling things you no longer use and round-up habits.
- 03
Where to Keep It: Separate, Liquid and Insured
What features to look for in an emergency savings account, how deposit insurance generally works, and how to set the account up so it is easy to reach in a crisis but hard to spend by accident.
- 04
Automate It: Payday Transfers and Per-Paycheck Math
Turn your target into a per-paycheck number, schedule the transfer for payday and use a floor-and-percentage system if your income changes month to month.
- 05
Using It and Refilling It Without Losing Ground
A decision checklist for spending from the fund, a step-by-step refill plan, ways to stop the fund from being raided and a monthly review routine.
One product. One price.
Pay once and keep access. Your login is emailed right after payment.
Emergency Fund Starter
$19USD · one-time payment
- 5 step-by-step chapters
- Savings Goal Planner
- Cushion Target Calculator
- Downloadable PDF
- Progress tracking and Action Roadmap
Secure checkout · Instant access · 7-day refund policy
Questions, answered
Emergency Fund Starter is an interactive web app with 5 chapters, 3 built-in tools (including an Action Roadmap) and progress tracking. You can also save every chapter as a PDF for offline reading or printing.
Right after payment we email your login details to the address you used at checkout. Log in on our website and the app opens in your browser. Nothing to download or install.
Yes. You pay $19 (USD) once and keep access to Emergency Fund Starter. There are no recurring charges.
Yes. The app works in any modern browser on phone, tablet or desktop. Your progress and tool entries are saved in the browser you use.
No. The first chapter starts from the basics, every method is explained step by step with worked examples, and the built-in tools do the arithmetic for you.
Write to us within 7 days of your purchase for a full refund. See our Refund Policy for the details.
No guide can promise that, and we never do. Emergency Fund Starter teaches methods, routines and tools; any result depends on your own income, expenses and circumstances. It is educational content, not financial, legal or tax advice.
7-day refund policy
If Emergency Fund Starter is not right for you, email us within 7 days of purchase for a full refund. Details in our Refund Policy.