The Emergency Fund Formula: A Proven Plan to Build Six Months of Savings Faster Than You Think

Kim Ingram

Jul 2026 · Kim Ingram

Ebook

273

Pages

Tools

Eligible

About this ebook

The Emergency Fund Formula is a detailed, practical guide to Building an Emergency Fund from Zero to Six Months for readers who want a clear path from understanding the topic to using it confidently in real situations. The book is designed as a structured learning companion rather than a shallow overview: it introduces the core ideas, explains why they matter, then develops them through realistic examples, guided practice, scenario-based explanations, and common mistakes to avoid. Readers are taken step by step from foundational concepts into everyday applications, with each chapter building on the previous one so the material feels progressive, usable, and easy to revisit. The main areas of focus include The Financial Safety Net, Where Are You Now, Rewire Your Money Mindset, Your 6-Month Target, The Savings Ladder, The 30-Day Savings Sprint, Case Study: From $0 to $5,000 in One Year, The 80/20 Expense Audit, Side Hustles That Actually Move the Needle, The Automation Advantage, giving the book a concrete learning arc that moves from orientation and confidence-building to applied communication, problem solving, and independent practice. The writing style is direct, supportive, and accessible, making the book suitable for self-study, classroom reinforcement, professional development, or personal improvement. It emphasizes practical understanding over abstract theory, so readers can immediately connect the lessons to conversations, decisions, habits, and challenges they are likely to face outside the page. By the end of the book, readers should have not only a stronger grasp of the subject, but also a collection of repeatable strategies, useful language patterns, mental models, and practical routines they can continue applying after they finish reading.

Discover more

About the author

Kim Ingram is a personal finance writer, speaker, and certified financial counselor based in Portland, Oregon. Over the past fifteen years, she has helped thousands of individuals and families move from financial insecurity to stability through her workshops, one-on-one coaching sessions, and online courses. Her approach emphasizes practical, actionable strategies over abstract theory, with a particular focus on the psychological and behavioral shifts that make lasting financial change possible.

Kim's career in personal finance began unexpectedly. After a series of medical emergencies and a period of unemployment left her without savings and facing significant debt, she rebuilt her financial life from scratch over the course of four years. That experience shaped her belief that financial education should be accessible, judgment-free, and grounded in the real constraints people face. She started writing about her journey on a small blog that grew into a community of readers navigating similar challenges. The blog eventually led to speaking engagements at libraries, community centers, and corporate wellness programs across the Pacific Northwest.

She holds a certification in financial counseling from the Association for Financial Counseling and Planning Education and has completed continuing education in behavioral finance and debt management. She has contributed to The Wall Street Journal, Consumer Reports, and NerdWallet, and her work has been featured on NPR and PBS. She serves on the advisory board of the Financial Health Network, a nonprofit dedicated to improving financial wellness for underserved populations.

Kim lives in Portland with her husband and two children. When she is not writing or coaching, she volunteers with a local nonprofit that provides free financial literacy workshops to high school students and families in transition. *The Emergency Fund Formula* is her first book.

Rate this ebook

Tell us what you think.

Reading information

Smartphones and tablets

Install the Google Play Books app for Android and iPad/iPhone. It syncs automatically with your account and allows you to read online or offline wherever you are.

Laptops and computers

You can listen to audiobooks purchased on Google Play using your computer's web browser.

eReaders and other devices

To read on e-ink devices like Kobo eReaders, you'll need to download a file and transfer it to your device. Follow the detailed Help Center instructions to transfer the files to supported eReaders.

Flag as inappropriate