The Short Month Kit
by Provision House
$23
Some months, there isn't enough money for every bill. The rent is due. The light bill is due. The car payment is due. And you're sitting at the kitchen table with the bank app open, trying to decide who gets paid and who gets let down.
The Short Month Kit turns that night into a plan.
Four printable sheets walk you through the short month in order. When you finish, you know which bills keep your family safe and get paid first, exactly what to say to a company you can't pay in full, whether your credit card is helping you or charging you, and which debt to pay off next.
What's inside:
The Bill Order Sheet. Every bill on one page, and the four bills that keep your family safe circled: housing, utilities, food, and getting to work.
The Phone Call Script. The exact words to say when you call a company you can't pay in full this month, plus a page to write down every agreement you make.
The Three-Statement Test. Three statements, two numbers each, and you know whether your credit card is a way to pay or a way to borrow.
The Payoff List. Every buy now pay later plan, store card and loan on one list, smallest balance first.
Think about what the short month costs you without a plan. Late fees stacked on late fees. Paying whoever calls the loudest while the important bills slip. Lying awake at night doing math in your head.
With the Short Month Kit, the circled bills get paid first, the companies you can't pay this month already heard from you, and every payment plan is on one page. The next short month, you're not guessing. You're following your own plan.
Print the sheets. Grab a pencil. Sit down with the sheets once this week, then again every payday.
This is a printable PDF download. Nothing ships.