An emergency fund is coins kept for surprises, often a few months of costs.
An emergency fund is coins kept for things nobody planned. Nico keeps his in a jar on a back shelf.
A fund is often a few months of costs. Nico's costs are 20 coins a month, so three months is 60 coins.
When a storm cracked the window, the repair cost 15 coins and the storm kept customers at home. The jar covered the gap, and the shop stayed open.
A surprise is still a surprise, but a jar makes it a smaller worry. A grown-up can help decide what counts as an emergency.
These are some of the questions on the sets. The printable sheets have more and an answer key.
60 coins. 20 + 20 + 20 = 60.
23 coins. 35 − 12 = 23.
A surprise. Nobody plans a burst pipe, and it cannot wait.
37 coins. 60 − 23 = 37.
With a grown-up, talk about a surprise that cost something, like a repair. How did they cover it, and what would help next time?
Ask about a surprise cost you have had, like a repair, and how it was covered. Keep it about how, not about your family's amounts.
