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The 90-Day No-Paycheck Survival Plan

The budget sheet is built. Find out what needs work before the money gets tight.

Which bills need paying? What cash can you reach? What changes if the paycheck stops? Put your numbers into a workbook that is already set up, then follow the plan to decide what to tackle first.

  • A budget tab for your household numbers.
  • A score tab and instructions for using it.
  • Steps for reviewing cash, bills, and benefits costs.
  • A ninety-day preparation plan you can work through.
Cover of The 90-Day No-Paycheck Survival Plan
$57 once
Twelve sections + Excel workbook.

The workbook is built for Microsoft Excel. It has not been tested in Google Sheets or Apple Numbers.

Get the Workbook + Plan ($57)

Digital download: one PDF and one Excel file. All sales are final, except where the law requires otherwise. Refund policy.

Most people do this math for the first time the night the paycheck stops.

Which bills are must-pay, which are not, and how many months the cash covers. It is easier to work that out now, at a kitchen table with time to think.

The plan gives you the sheet and the order to do it in.

Real pages from the plan, and the real rows from the workbook.

Plan, contents page Contents page listing the twelve sections of The 90-Day No-Paycheck Survival Plan.
Twelve sections in a set order, from your starting numbers to a quarterly check.
Plan, section 01 Section 01 worksheet page with fill-in lines for cash, monthly must-pay costs and the months of cover they give.
Worksheet pages you fill in as you go through the plan.
Plan, section 05 Section 05 of the plan: a timeline from hour 0 to hour 72 after a termination meeting, with what to do in each window and a note on severance timing.
Steps in order for when the paycheck stops, each one pointing at the workbook tab to use.
Workbook, Monthly Budget tab
Type into the blue cells. The totals, your floor burn rate and your debt-to-income ratio calculate, and they feed the score tab on their own.

The workbook has three working tabs: Instructions, Monthly Budget, and a scorecard, plus a disclaimer tab. The score in this workbook is its own five-part check and is not the same as the free calculator on this site.

What is prepared, and what you finish.

Already prepared

  • The budget tab, with every category laid out and the sums built in.
  • The score tab, fed by the budget tab, with a priority list that updates from your inputs.
  • Twelve sections that walk you from your starting numbers to a quarterly review.
  • A section on reading a severance offer. The word-for-word scripts are in the $149 plan, not here.

What you finish

A budget filled in with your numbers and a clearer list of what to address, in the order the plan suggests.

First use

  1. 1Read the workbook instructions.
  2. 2Enter your household numbers.
  3. 3Review the gap and choose the first task in the plan.
Example, not a product result. If someone cuts a bill by $100 a month and keeps that cut for a year, that is $1,200 less spending. The workbook helps you look at your own numbers. It does not decide whether you can make that cut.

Who it fits, and what it cannot do.

For anyone who wants their bills and cash on paper before a gap in pay, whether a layoff looks likely or not.

The plan does not promise a fixed savings amount or financial security within ninety days. The workbook is built for Microsoft Excel and has not been tested in Google Sheets or Apple Numbers. Benefits and insurance costs in the plan are US figures.
No. This plan stands on its own. The guide checks for changes at work; this plan works on your bills and cash. Buy either one alone.
A PDF reader for the plan and Microsoft Excel for the workbook. Other spreadsheet apps may open the file, but they have not been tested with it.
After payment, our checkout and delivery platform emails you a download link for the PDF and the workbook. Checkout is not open yet. Until it is, the buy button is marked coming soon and nothing is charged.

The 90-Day No-Paycheck Survival Plan

$57 once
Twelve sections + Excel workbook. No subscription.

Workbook built for Microsoft Excel.

Get the Workbook + Plan ($57)

Digital download. All sales are final, except where the law requires otherwise. Want a quick read first? Try the free cash check.

Get the Workbook + Plan ($57)