The key to keeping your preparations realistic is to weigh the possibility of a particular event actually happening against the amount of work needed to prepare for it.
Given the likelihood of a disaster happening, and the possibility of being ready for it, let's look first at the five disasters you should prepare for. Whether you lose your job, or you take a drastic cut in pay or hours, having less to live on is a reality for most everyone at least once in a career.
While the possibility of these five are very real (for some of us, anyway), preparing for each one, specifically, can be costly and may not do much to help you escape the outcome.
Putting together your own kit ensures you have only those items that are appropriate for your particular needs. Camp stoves can be handy for this purpose, and solar chargers for a cell phone or radio can be purchased for as little as $20 online.


Most established families have (or should have!) some kind of emergency fund to live on, typically three months income, but having extra essentials on hand may prove to be more useful. In addition to added medical bills, there can be loss of income, an increase in time spent traveling for treatments, or even a major move in school or home location. While there is no harm is doing some of the legwork for the following disasters (especially those steps that are identical to preparing for other disasters), spending a disproportionate amount of time and money preparing for these events may not be worth the trouble.
By starting small, you can be in compliance with my favorite prepping rule: prepare for what makes sense. Each area of the country has its own pattern of weather-related extremes, but since their possibility is no surprise (only their timing and severity), you should be taking appropriate steps throughout the year to have an adequate supply of food, water, and essentials on hand for any disruptions weather may cause.
A bare minimum of what you would need for your basic comfort and biological needs for 72 hours is a great place to start.


Disruptions lasting a few minutes to a few days can happen for a variety of reasons, including freak accidents and scheduled repairs. Being prepared for the worst through illness can be as simple as securing extra coverage on a life insurance plan or getting your advance directive in order before you fall ill.



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