Printable Worksheet Companion
Use these worksheets with Bills Without Surprises to identify obligations, review statements, map due dates to available income, and build a bill-paying routine you can repeat.
No sign-in required. PDF • approximately 185 KB
What’s Inside
The companion contains 14 printable worksheets and checklists drawn from the book. Start with the opening worksheet, then use the sections that match the bill-management decision in front of you.
Start Here: Your Starting Point
Identify the bill or due date causing the most uncertainty and define the result you want from the next three months.
Find and Organize Your Bills
- Obligation Sweep
- Variable Expense Estimate
- Irregular Bill Planner
- Bill Inventory
Review and Schedule
- Statement Review
- Due Date Calendar
- Paycheck to Bill Map
Pay Safely and Handle Shortfalls
- Autopay Safety Checklist
- Monthly Shortfall Priority Plan
- Late Payment Recovery Checklist
Build a Repeatable Routine
- Three Month Bill Tracker
- My Bill Paying Routine
- My Bill Rule
How to Use This Companion
1. Download
Save the companion PDF or print the pages you want to use.
2. Complete
Use verified statements, notices, and records. Mark missing information as unknown rather than guessing.
3. Review
Replace estimates with actual amounts and dates when current information becomes available.
4. Keep Private
Record only the minimum identifying information needed and store completed worksheets privately.
Protect Your Information
Do not write passwords, PINs, security answers, verification codes, full Social Security numbers, or complete bank, card, loan, or account numbers in these worksheets. Use only the minimum identifying information needed to recognize a bill, and keep completed copies in a private location.
Need Help Accessing the Companion?
If the file does not open or download correctly, visit KemetCompass.com for current reader-support information.
Read Beyond the Obvious.
These resources provide general financial education and do not provide individualized financial, legal, tax, banking, credit, housing, utility, insurance, or debt advice.