When it comes to survival information, far too many of the so-called experts focus on events that quite honestly probably don’t even come close to having a one in a billion chance of happening. While talking about asteroids slamming into the earth or some dystopian vision of the apocalypse might be a good way to get attention, the reality of those events happening isn’t very likely. I didn’t say they can’t happen, I’m just not that worried about it.
The truth is a SHTF disaster could be as simple as losing your job or a summer storm causing thousands of dollars’ worth of damage to your home when you’re already strapped for cash. In all likelihood, those are the types of crisis situations that are most likely to happen. Unfortunately, these are also the types of situations that receive the least amount of attention on prepping websites. Not many people share articles about the dangers of losing your job!
Are you prepping for Personal and Localized Disasters?
The last thing I want to do is discourage anyone from prepping; hell, even the people who are prepping for events like the zombie apocalypse are probably going to be better off during a small-scale event than their unprepared neighbors. That being said, as someone who regularly talks about preparedness, I think it’s important to really think about what you’re actually preparing for.
How realistic are your preparedness plans?
The reality of prepping is that when you reach that metaphorical SHTF moment, there is a very high chance that the event will be either hyper-personal or extremely localized in nature. A job loss, a freak winter storm that shuts down your city, or even an event like Hurricane Katrina are all examples of localized or personal disasters. While they aren’t the Walking Dead, they are things that can feel like an end of the world event when you’re living through the situation firsthand.
If you’re not prepared financially then you’re not prepared.
Another aspect of prepping that is sadly often ignored is the area of personal financial security. It’s certainly not as exciting as the Doomsday Preppers Crap that a lot of people try selling, but the reality of the situation is that if you are not prepared financially then you’re not prepared for anything.
The odds of losing your job or being hit with a major personal financial crisis are much higher than an asteroid slamming into your local Costco. Hey, if the Asteroid keeps you up at night then have at it, but I’m telling you that if you’re not preparing for these mundane small-scale events, you’re not preparing for the reality of the world we live in.
What can you do to Prepare for the Personal SHTF Moments?
The reality is that most Americans are already living from paycheck to paycheck, and according to most studies well over 50% of the country doesn’t have enough emergency savings to deal with an emergency event where they would need to come up with $500.
Think about that; that means that for many Americans a refrigerator breaking down could be their SHTF moment. While romanticizing preparedness might be a good time for some, logically thinking about the reality of your situation is the only way to truly solve your preparedness equation.
Figure out how long you can actually last without an income.
If you lost your job today, how long could you go before you hit that SHTF moment?
Start taking a personal inventory of what you have, how long it will last, and how much money you have in reserves. Next, start thinking of ways to build up your stockpiles of food, water, emergency supplies, and all of the other essential necessities of life – that includes the boring things that nobody ever writes about like socks, toilet paper, bath soaps, and the things you know you will use on a daily basis.
- Can you have a garage sale and sell your old junk?
- What can you cut back on? Those $5 Lattes might be a good start!
- Can you downgrade services like your cable or cellphones to a cheaper plan?
Supplement your income, Now!
One of the best ways to secure your future is to not put all your eggs in one basket. Even if you have a job that you consider secure, it’s still a good idea to have a backup plan.
- What skills do you have?
- Are you good at fixing things?
- Can you sew or do some other sort of craft?
Chances are you have at least a couple of skills that can be used to start a small side business. It doesn’t have to be big, but it will give you a fallback plan should something go bad – and hey, you never know you could find out you make a lot more money working for yourself!
Worst case scenario: you have a little extra cash to throw at that emergency savings fund. Yes, you do need one of those!
Get out of Debt!
Living debt free is an extremely important part of any well-rounded preparedness plan. It’s not sexy, it’s not exciting, but it is essential to your long-term survival. It’s about thriving, living a comfortable existence, and having peace of mind while everyone else is living amid the chaos.
Here are some ideas to help get you started:
- 5 Ideas on how you can become Debt Free
- How To Prepare, Save Money & Guarantee You Have Food When the SHTF
- The Importance of Starting an Emergency Fund
Next Steps that you should take…
Now that you’ve started thinking about the most likely threats that you will face, you need to really dig down and do a little work.
- Take the Time to Understand What you Could Lose During a Disaster: By understanding what you stand to lose, you will have a better idea of what you need to prepare for now!
- Perform a Realistic Threat Assessment: This guide will help you understand what threats are most likely based on your unique situation. It gives you the tools you need to prepare for those threats and the ability to identify problem now before they become a deadly hazard.
- Perform a SWOT Analysis: Once you’ve identified the threats, you need to determine your level of preparedness and your ability to face those threats. The best way to do that is to perform a survival SWOT Analysis