You were laid off, and a major bill is due in about two weeks. The fear is rarely one bill on its own. It is the whole pile at once — unsorted, at night, with no clear answer to the only question that matters right now: how long does the money I actually have last, if I am careful starting today?
The Emergency 90-Day Job-Loss Budget Reset is a calm, 10-page budgeting organizer for the first 90 days after a job loss. You see your real numbers once, triage every expense into Survival, Pause, or Cut, calculate your runway two ways — with no income at all, and with the income you expect — plan the 13 weeks one at a time, and keep the plan honest with a ten-minute weekly cash check. Example numbers are included throughout, so you can see each page working before you enter your own figures.
What it is
This is a printable kit, a fillable phone version, and a 90-day triage calculator spreadsheet that work together as one steady plan:
- START HERE — where your files live in your Etsy account, how to open them, and which file is for what
- Breathe First: Your Numbers — money you have, money expected, and the only two due dates that are truly urgent
- The Triage Rules — Survival, Pause, or Cut, with three questions for anything you are unsure about
- Triage Worksheet: Survival Bills — the keep-paying list, with exact amounts and due dates
- Triage Worksheet: Pause & Cut — money stopped this week, with restart dates so a pause never feels like a loss
- Your 90-Day Runway — the floor, with no income at all, and the plan, with expected income, plus gap-closing steps in order
- Week-by-Week Cash Plan — the first month in detail; the spreadsheet chains all 13 weeks
- Hardship Call Scripts — what to say to mortgage, utility, phone, and card companies before a due date, plus a call log
- Weekly Cash Check & Bill Calendar — the ten-minute weekly routine that keeps the plan true
- Day 90: Reset & Restart — close the 90 days on paper, then restart paused items in order, as income allows
The fillable PDF version is included — open it on your phone and tap-type into 153 fields. No printing is required.
The 90-Day Triage Calculator (.xlsx, for Excel and Google Sheets) does the arithmetic for you: Survival, Pause, and Cut totals, a runway calculator, a 13-week cash plan that carries your ending cash from week to week, and a bill due tracker — with demo data so you can see it working in about a minute.
Why it was created
A job loss turns money into a fog. Income has stopped or changed, bills keep arriving on their old schedule, and every decision feels urgent at the same time. This kit was created to replace that fog with three sorted lists and one honest number. Triage comes first because not every bill has the same weight in an emergency, and pausing something on purpose — with a restart date written down — is very different from simply falling behind. The runway calculation comes second, because a real number, even a tight one, is calmer to plan around than a fear with no edges.
Who it’s for
- Anyone who has just been laid off or lost a job and needs a first-90-days money plan
- Households moving from two incomes or a steady paycheck to uncertain income
- People who want hardship call scripts ready before a due date, not during a panic call
- Anyone who does better with a weekly routine than with a complicated budgeting system
How to use it
Start with Breathe First: Your Numbers. Write down what you actually have and what you realistically expect, and mark only the two most urgent due dates. Work through the Triage Rules, then sort every expense on the two worksheets — Survival on one, Pause and Cut on the other, with restart dates for anything paused. Calculate your runway both ways, then build the Week-by-Week Cash Plan for the first month and let the spreadsheet chain the remaining weeks. Use the Hardship Call Scripts before due dates if you need to call a lender or provider, and log each call. Each week, run the ten-minute Weekly Cash Check so the plan stays true, and at Day 90 use the Reset & Restart page to close the period on paper and restart paused items in order as income allows.
This kit is a general budgeting organizer with example numbers and scripts for you to adapt. It is not financial, legal, or tax advice, and it guarantees no outcome with any lender, provider, or agency — options and rules vary, so confirm everything with the company or agency involved.
Get the kit
RELIEF. Get the Emergency 90-Day Job-Loss Budget Reset for $14.95, or find DealShore on Etsy.
Get free sample pages + new kit alerts — email contact@dealshore.com