No More Surprise Bills: The Sinking Funds & Emergency Fund Workbook (PDF)

For educational and personal use only. This workbook teaches general methods with invented examples. It is not financial, tax, legal or other professional advice; you make your own decisions. See kitson-workshop.pages.dev/terms.html.

Find every irregular bill before it finds you, size a fund for each one, and build your emergency fund step by step.

WHAT'S INSIDE

- How to find every irregular expense (car repairs, gifts, annual bills) from a year of statements- Simple math to size each fund, including catch-up amounts and per-paycheck transfers- A starter buffer first, then a real emergency fund, and how to rebuild after using it- 12 printable worksheets and trackers: expense finder, bill calendar, fund sizing, fund ledgers and more

WHO IT'S FOR

Budgeters tired of surprise expenses throwing the month off.

FORMAT

Instant download: one PDF, US Letter, 33 pages, including printable worksheets. Written from scratch by Kitson Workshop; every worked example was checked with code.

HONEST LIMITS

Savings targets in examples are common rules of thumb and invented numbers, not advice for your situation. Pairs well with our Budget & Debt Payoff Planner spreadsheet.

WHAT SHOULD WE WRITE NEXT?

Email kit376351@gmail.com with the subject "Kitson idea". The most-requested topics get written next.

REFUNDS

Digital download. If the file won't open or isn't as described, email kit376351@gmail.com within 14 days and I'll fix it or refund you.