📊
STEP 1: Monthly Essential Expenses
| 🏠 Housing | |
| ⚡ Utilities | |
| 🛒 Groceries | |
| 🚗 Transportation | |
| 🏥 Health Insurance | |
| 🛡️ Other Insurance Premiums | |
| 💳 Minimum Debt Payments | |
| 📱 Phone/Internet | |
| 💊 Medical/Personal |
🎯
STEP 2: Your Target & Current Status
✨
Your Results
Emergency Fund Target
$0
Total Monthly Essentials
$0
Your Shortfall
$0
Available to Save Monthly
$0
Time to Fully Funded
0
💡 Pro Tip: Start with a mini $500-$1,000 starter fund or 1 month essentials emergency fund first, then work toward your full 3-6 month reserve. Automate your savings to make it effortless!
💳
Credit Reserve Tracker (Optional)