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We think it’s important for families to be as prepared as possible for any natural or other disasters that may come their way.

Prepping 101: Learn from the Past to Prep for the Future

sandy thermostat

Hey, friends!  As promised, here is the cautionary tale on being prepared that I promised you in this week’s earlier post.  My dear friend, Shannon, from Financially Blonde, went through her own 10 days of trouble as they experience a long-term power outage after Hurricane Sandy.  Here, Shannon shares her experience, and some of the lessons she learned about the importance of preparedness.  Thank you so much, Shannon, for sharing your story!

I lived in Florida for five years, and during that time, we experienced some very active hurricane seasons. And I always remember the local news teams interviewing families who were “surprised” that they got hit by the hurricane and were not prepared for it. I would sit there in shock at their lack of preparedness especially after having lived through previous hurricanes and I vowed that I would not be one of them. We were fortunate in our years in Florida to never get hit by a hurricane despite a few near misses. The irony was that we moved back up to New York and had worse luck with hurricanes in New York than we did in Florida.

 

You don’t know what you got… Read more

Prepping 101

Prepping 101: Be Prepared Not Merely to Survive, but to THRIVE

Prepping 101
Prepping 101

 

 

 

 

 

 

 

Photo Credit

Happy Monday, my friends!  As a follow up to last week’s post, my dear IRL friend Michelle, who blogs about life and food over at Rockin’ the Mom Role (she’s a terrific resource for gluten-free recipes too), has written about the importance of not just surviving, but thriving, in a crisis situation.  Also on tap for this week: a real-life story about how a family survived without power for 10 days due to a weather catastrophe.  Welcome, Michelle!

Many times we hear about ‘preppers’, and as was mentioned here in last week’s post, ‘prepping’ is not merely about a fictional zombie apocalypse. Preppers are people who gain the security and mental comfort from knowing they have a plan A AND a plan B in an unforeseen emergency. There is a correlation between those who merely survive an emergency, and those who survive and THRIVE. Read more

Prepping: Why It’s Important for EVERYONE to be Prepared

The word “prepper” is still often a hot button word in conversations when it comes up, but prepping isn’t only for the “crazies”.  We got another first-hand “in your face” experience 5 days ago about why prepping is so important, and just how far our family has to go in terms of learning to be prepared.  Some of you may have read the story over on Three Thrifty Guys this past winter about how we came dangerously close to running out of propane.  Luckily, with 30-below zero temps looming at that time, we had a back-up electric heat furnace to rely on, and the only true inconveniences we experienced were the inability to bathe/shower, and the inability to cook on our stove.  We made good use of our crockpot and stunk for a couple of days, but all was, in reality, fine. Read more

How a Family of Six Keeps Healthcare Costs Low: Part 2

The Many Uses of Epsom Salt

Roughly a year ago, I wrote an article on how our family keeps healthcare costs down.  Among the tips? Eating well, practicing good safety tips (such as wearing bike helmets), and knowing when to rest and relax.  Today I thought I’d share more tips on how we manage our family health care costs.

With a larger family, it can be very easy for medical and healthcare costs to zoom out of control really quickly.  Here are some of the things we do to keep our healthcare costs low.

1.  We keep medicine costs to a minimum.  How do we do this?  Primarily by eating well, as in eating mostly whole foods, and by exercising.  When that doesn’t do the trick, we turn to natural healing alternatives such as Oil of Oregano, Epsom Salts or health supplements that are tried and true based on our experience.  On the occasion that we do need medicine, however, we make sure to shop around and to go generic whenever possible.  By using these two techniques, we’ve saved an easy 75% on medicine costs in our family, and in some instances, closer to 90%.  My mom is another perfect example: by switching the seizure med she takes for her Epilepsy to the generic version (on the advice of her neurosurgeon), she saves herself a good $90 every three months, and on a retiree’s budget, that really adds up.

2. We educate ourselves thoroughly on the healthcare plans available to us.  Family health insurance can be quite expensive.  However, if you’re willing to research the options, you might be able to find lower cost care in places you didn’t expect.  If health insurance is offered through your employer, there are likely a few different plans available, and it’s up to you to find out which one suits your family.  A quick Internet search will give you an idea of what healthcare options are available in your area. With so many health care companies out there, it’s important to do your research and find out which health care insurance route is best for you and/or your family.

3. We feed our minds as well as we feed our bodies.  This may seem silly to some, but we’ve found in our family that, just like you are what you eat, you are what you watch, read or listen too.  Having suffered from serious Depression for 7 straight years, I started looking to natural healing methods for help in managing my symptoms.  After experimenting with diet, I found that eating whole foods had a profound effect for good on my moods.  Being curious, I then started monitoring the types of shows I watched and the types of books I read.  I found that the more violent books and TV I partook in, the more the Depression magnified within the days following.  If I read positive books and watched funny or uplifting TV shows or movies, the Depression went away.    Our minds and the lies that they tell us often have a profound effect on our health, so we’ve found it’s best to choose what we put into those minds wisely, and our health as a family as improved as such.

The cost of healthcare can be a scary thing these days, especially if you don’t know your options.  Work today to educate yourself on what healthcare options are available for you.

What are your secrets for keeping healthcare costs low?

How to Plan for a Large Vegetable Garden

Happy Friday, frugal friends!  Today we welcome back contributing writer Anita with some terrific tips for planning a large vegetable garden.  Thanks, Anita!

Years ago when I started gardening it wasn’t my intention to grow all the veggies that my husband and I would need for a whole year, I just wanted some fresh tasting tomatoes and a few other fresh veggies.

However, with the price of vegetables and fruits in grocery stores continually on the rise, I have made it my mission to grow and preserve as much of our food as possible, as a lot of other people across this nation are starting to do.

If the thought of a large vegetable garden appeals to you, here are some tips that can help your garden progress from hobby to serious food supply and planting a survival garden. Read more

Will the Real God Please Stand Up?

where is god“I never had a problem with Christ…it was Christians that gave me problems…” – Bono, lead singer of U2

People often misinterpret Jesus Christ because of the actions of Christians.  Christians – myself included – can be hypocritical, spiteful, angry, hurtful and just downright mean.  It is because of this, I think that people often reject Jesus Christ and the Christianity that the churches preach.

However, I’ve learned over the years that many – dare I say, most – churches are off track when it comes to how they portray God and Jesus Christ.  This is not an anti-church rant, so I won’t say anymore on that subject, but suffice to say that our family hasn’t been to “church” in over 5 years.  We left our last evangelical free church due to dangerously incorrect teachings about God and Jesus Christ, and have been home-churching, straight from the Bible, ever since.  For those of you who may be concerned, yes, we have plenty of fellowship with other Christians as the Bible encourages us to do, it’s just not usually in a church building.   And, because our training has come straight from the Bible for so many years, we’ve grown in our understanding of God more in the last five years than we had in the two decades preceding that.

As such, we’ve learned a few things that I think may answer some questions in people’s minds about how this life works.  What you read below may be controversial, and of course, you’re welcome to disagree, but this is some of what we’ve come to understand about how the world works, and I’d like to share it with you, as it was life-changing for our family, and I hope it will be for you too.

Read below the excerpt from a book I started years ago, and that I may or may not ever finish.  This book is meant to be kind of a follow-up book to my first book on prayer:

I often lament for those who reject God or deny His existence.  Whether or not we believe in Him, the fact of the matter is that He does exist, and He is the Creator of all that we see.

And whether or not we choose to believe in Him or accept Him as our Rescuer, we still sit right smack in the middle of a war for our souls.

Jesus has indeed won the final outcome of this war with His resurrection, but Satan still strives day and night to deceive us into believing that God, instead of being a loving Father, putting every attempt in place to get us to open our eyes and recognize the lies we are being told by Satan, that God either doesn’t exist, or is an angry dictator looking to force us into a life of control and complacency – to His boring life of “being good”. 

Oh, how I wish they understood!  How I wish they could recognize that life with Jesus is SO much more!  The Lord once gave me a vision of our family standing in a large eagle’s nest.  Covering the nest was a massive eagle’s wing.  This was the protective arm of the Lord.  The wing was situated so that there was a sliver of sight given us to the world outside our nest.  We could see the sky, and in it, a war going on.  It was terrible, with planes, bombs – the whole works.  Nothing, however, by any means, could harm us though (Luke 10:19), with the giant eagle protecting us in our nest.  The planes and bombs were miniscule in size compared to His massive stature, and in His nest, we were safe and sound.

When we start to truly understand God’s tremendous love for us, and begin to understand the power and authority that we inherit as children of God, it is then that we begin to get a glimpse of who God really is, and what his true wishes for us really are.  It is then that we start to open our eyes to the fact that God has a love for us that is so colossal that we will not nearly comprehend it till we meet with Him in person on the day of our move from this life into the next.

Most of us, as a result of the fallen state of this world, have a sadly skewed perception of what a father is.  Therefore, we see THE Father with a deceived mind.

The more I pour through the Word, the more I come to understand that our Father in Heaven, who created us all is not at all like the Hitler we are deceived into imagining, but instead, He is the Father we all have, in our biggest dreams, ever hoped or wished we could have.

As my own father grows closer to the Lord with each passing year, I often get to see first-hand examples of the love our Father in Heaven has for us.

Once a man dominated by the bondage of the cares and weights of this world, my dad is being transformed by the renewing of his mind more and more with each passing year.

He has an amazing look in his eyes – a look of abundant love, every time he sees one of us kids.  He has a smile on his face that is captivating, and a warmness in his heart that is magnetic.

Because he is truly starting to grasp the love the God has for people (we will never fully understand it while on this earth, as we literally couldn’t handle it and would likely die from the intensity), that love is radiating from inside him, and us kids, along with the many others he serves as an ambassador for Christ, are the blessed recipients.

For every action, there is an equal and opposite reaction. – Sir Isaac Newton

Whereas God’s love for all humans is so grand and all-encompassing that we could never imagine it, God’s adversary, the Devil (once God’s highest angel and right-hand being, who chose pride over servanthood, tried to take over God’s kingdom, was banished to Hell and still works to this day to destroy God’s beloved creation), has a hate for humans that is so grand that we could never imagine in it.  This hate, and the Enemy’s ability to deceive us into believing the lies we’re told about situations, is the major cause of problems on this earth.

Those who are deceived by the Devil think my dad is not right in his mind: another one lost to this crazy cult of Jesus followers.  I know, for I was once one myself.  I had no desire to give up my “fun” life of drinking, partying, and providing for myself every material thing I thought I deserved and every thing I thought was necessary for a “happy” life.  I had no desire to be “good”.  To me, good equaled the opposite of fun.  It was boring, and I didn’t want to be bored.

But in the quiet times, I realized that I truly wasn’t happy.  Hand me a drink and some friends, and all was well.  But if I couldn’t be content and happy alone and sober, what was the point?  I thought, “When I have my family, the husband and children I’ve always longed for, then I’ll be happy”, or, “When I have my dream home, I’ll be happy.”

When they finally came, I still wasn’t happy.  Depression plagued me for years.  My husband and I both came from broken homes and had baggage enough for a worldwide tour that made marriage trying and troublesome.

Even after I had accepted Jesus as my Savior, I struggled, on and off, with emptiness and sadness.  I had salvation, but nothing more.  Life after Jesus wasn’t much different than life before Jesus, save for the partying, which had largely gone by the wayside.

It was then that I realized that I didn’t really know God much at all.  I had known what I had heard from pastors and the like.  It seemed, though, that they all had different thoughts and opinions about who God was.  Some ranted and raved and warned the people to repent before the coming judgment and wrath of God.  Others soothed by saying judgment ended with Christ and that God was our buddy, our new BFF, always waiting to join us for fun in this awesome life.

But around me, and when I looked out into the Christian world, things truly looked about the same as they did for non-Christians, and I didn’t get it.  Is this all there is? I would ask God and ask myself.  Surely, I must be missing something.

It was about this time, the summer of 2007, when I had had enough of mediocrity in life.  Understand, I wasn’t wanting for material things.  What I desired was a deeper understanding of God and his supposed “good news”.  I felt like an outsider as I read the New Testament.  The writers of the New Testament wrote as if they were handing us a key to an unlimited treasure chest.  Verses such as 1 John 3:1’s “Behold what manner of love the Father has bestowed upon us, that we should be called children of God, and we are!”  baffled me.  The disciple John speaks in this verse as if we have won the lottery, but I just wasn’t “feelin’ the love”.  What was I missing?  Where was the disconnect?

In August of 2007, I called on my dear friend, Jess.  Jessie, whom God ordained as one of my closest friends and a spiritual mentor, has a faith in God like I have never seen.  So it was the natural choice that I went to her with my questions and doubts.  There were things I needed to know.  Who is God?  Why are these bad things happening in our lives?  Is this really of God?  If God is love, why is there so much hurt, turmoil and chaos in the world?

Through this process, I learned about God in a way that would be different than I ever imagined.  I’ve still got a long way to go – I’m the first to admit it.  But what God has revealed to me through this journey are things that I believe will help people to understand who God really is, and clear up many misconceptions that are out there, deceiving people into believing that a life with Jesus Christ is not for them. 

God is a good God, and the Devil is a bad devil.

This is the first lessons that Jessie taught me through the Bible. If you read the beginning of the book of Genesis, you’ll see that life was AWESOME.  God had provided everything Adam and Eve needed for life: food, shelter, etc.  There was no sickness, and no sin – until Satan came running, trying to convince Eve that God was holding out on her in an attempt to lure her away from God and into a life of sin and despair.  Eve, and then Adam, took the bait, inviting the sin into this world that has so damaged the lives of people for thousands of years.

Free Will – Both a blessing and a Curse

God made the choice to give all humans free will.  Why?  Because He wanted His children to love Him by choice, not by force.  The down side of free will, however, is that it gives humans the option to make bad choices, such as the choices we made that got us into debt.  It’s the evil plans of the Enemy, and also often times those bad choices, that cause most of the problems we have to deal with on earth, not God’s will, as so many churches teach (for more info, read Deuteronomy 28 and Psalm 91).  God is not in control of your life unless you ask Him to be – He will not force His way into your life – and unless you go to Him, seeking guidance and direction for every decision, so that you can make the best choices for your life, you’ll be running things on your own.  I’ve been there and done that, and in my humble opinion, it sucks.  We can’t see the goings on in the dimension of the spiritual world, so without God, we are not running on all cylinders, so to speak.  “Hearing” God, or feeling His will in your spirit, only comes after you’ve worked to develop a true relationship with Him, and get to know His voice as opposed to the lying voice of the Enemy.  Knowing God in this way will help you to navigate around the trouble the Enemy has planned.  This concept alone has completely changed my life, and the lives of my family as well.  Read this excerpt from my book on prayer:

Our family got to experience the benefits of having a close relationship with God and being able to discern His instructions to us not too long ago on a car drive with my kids.  We were approaching a 4-way stop in which both roads had speed limits of 55 miles per hour.  I stopped, and with no one waiting at the signs going the other way, would have normally proceeded through the sign.  But the Lord immediately spoke to my spirit.  Wait.  Having gotten better at hearing His voice through the reading of the Word, I immediately obeyed.  I looked, and saw approaching on my left a distracted drive who obviously didn’t see the sign and had no intention of
slowing down.  At 55 miles per hour, he came to and passed through the intersection quite fast, and didn’t slow down or realize what he had done until about 100 feet after he’d blown through that stop sign.  I know that in the “olden days” before the Word of God had been planted in my heart, I would have looked
no further than the intersection, proceeded through that sign, as was my right, and been t-boned at 55 mph with my kids in the car.  The results for all involved would’ve been disastrous.  Thanks to the wisdom that comes from spending daily time in the Word, all that resulted was some embarrassment and hopefully some conviction for the distracted driver, and, of course, a very grateful mom and her 4 children.  Experiences like this have happened to my family and I more times than I
can count. 

It’s very, very difficult for people to admit that there is an Enemy out there wanting to take their lives, and to admit they make choices that can bring trouble to their lives and the lives of their families.  Facing the fact that we and we alone had gotten our family into a dangerous amount of debt was horrible.  The guilt, shame and sadness (all from the Enemy) tortured us for years.  It was horrible, but we didn’t know or understand how to change.  So we started to pray that God would give us His wisdom in all situations.

That’s when things started to change.

Prayer works.  The more we sought to know God and His Will, the more we asked for His Wisdom, the more we humbled ourselves and made Him and His will the center of our lives instead of ourselves the center of our lives, the more our lives changed for the better.  Don’t get me wrong; we still struggle with things, because we live in a world where there is an Enemy after us and where people have free will to do things they shouldn’t do.  But now that we know and understand God’s will, through the studying of the Word and through a close relationship with Him, it is MUCH easier to navigate around the troubles the Enemy has laid out for us. This is the difference.  Now that we understand God’s tremendous love for us and what His real will is for our lives, we no longer take the Enemy’s crap – we fight back, with what we know about the truth that is God’s will for us as it’s laid out in the Bible.

We now have our own Bodyguard, so to speak, helping us, protecting us, and guiding us, and it’s delivered us out of more troubling spots than I could probably ever fit into a book.  And the true “good news of the Gospel” is that He’s available to you as well.

If this post has left you with questions, the very best place I can send you, beside to the Bible, is to Andrew Wommack Ministries.  This guy knows the Bible and knows it well.  Visit www.awmi.net and go to Teaching Articles on the left sidebar, and have a very, very Merry Christmas.

 

 

What Are You Thankful For?

 

With Thanksgiving 2013 just a day away, and coming off of the loss of one of our beloved kitties, we are working hard to focus on all that we have, because most all of us, likely you included, have lots to be thankful for.

Are you having a hard time being thankful this year?  Has the crappy side of life thrown you some tough stuff this year, and it’s been difficult for you to see the positive side of life?  I understand, as we’ve had our own fair share of crap to deal with this year.  So, for my own sake, and hoping it will bring joy to you as well, I’ve put together some stats about what people might have to be thankful for.  Hope you enjoy them.

I am thankful for:

1.  A warm place to sleep at night.  According to the National Law Center on Homelessness and Poverty, roughly 1, 750,000 Americans are homeless right now.  I am thankful today that every single day, we’ve got a warm place to live and sleep, and that living outside, whether tent camping or whatever, is a choice for my family and I, and not a stark reality.

2.  Plenty of food to eat.  From World Hunger:  ” The United Nations Food and Agriculture Organization estimates that  nearly 870 million people of the 7.1 billion people in the world, or one in eight, were suffering  from chronic undernourishment in 2010-2012.  I am thankful that every single day we’ve got food to eat.  It may not be the fanciest food, but we never go without.

3.  Friends and family.  Years ago, I knew a guy who would often spend Christmas and Thanksgiving all alone.  Sometimes he’d go to a movie, but mostly he’d hang out by himself at his apartment.  He’d been raised in a broken home, mom and dad were both dead due to tragic circumstances, there was a much older half brother who he didn’t know very well, and the grandparents who’d raised him had passed on.  Being a great guy but a bit insecure (understandably), he wasn’t always the greatest at developing and maintaining close relationships, therefore he would often be forgotten on holidays, although there were years that people remembered and invited him.

This year, I am choosing to be thankful for all of the people in my life, whether or not they drive me up the wall. 🙂

4. Choices.  Living in America, we have lots and lots of choices.  The large majority of us can choose to earn money, or to not earn money, through the many, many opportunities here in America.  We can choose (for now, anyway) the religion of our choice, or choose no religion at all.  We can choose between more than two sets of clothing.  We can choose which pair of shoes to wear today.  We can choose, most of us, to go places or stay home.   We can choose between several different brands/types of whatever it is that we need or want to buy at the store.   We have enough opportunities and choices in this great nation that by and large we don’t have to be “under our circumstances” but instead, can choose to conquer them.

Know too that we in the Frugal Farmer family are very, very thankful for all of you.  Your faithfulness, encouragement and support of our site and our mission to live a debt-free, simplified life mean so very much to us, and help us to keep on going each and every day as we strive toward financial independence and a self-sufficient life.  Thank you, so much, for that, and have a happy, happy Thanksgiving.

What do you have to be thankful for?

Stockpiling Basics: How to Stockpile on a Budget

 

Some people might think stockpiling is unnecessary, but let me tell you: As a Minnesotan, we’ve had more than our fair share of days when we’ve been stuck in the house due to a 36-inch snowstorm or a stretch of 30-below zero winter days.

Have you ever thought about having a stockpile of food set aside for a disaster or time of need, but were scared of taking action due to potential costs?  If so, you’re in luck, because there are ways to stockpile on even the tightest of budgets.  Go to almost any commercial site on survival food and you’ll find it easy (and highly recommended) to spend thousands and thousands of dollars on a 1-to-2 year supply of food for your family.  But creating your own stockpile survival is often easier and most always cheaper.

Before you write off stockpiling as only for “preppers”, consider the victims of recent hurricanes and other natural disasters.  These poor folks were often stuck in their homes with no electricity and/or no access to transportation, as they waiting for hard-working city officials to restore power and clear streets, of which tasks far outnumbered the number of personnel assigned to the jobs.  Residents often had to wait 2 weeks or even longer before they could get to a store or cook food, and with the financial picture of most Americans being what it is these days, leaving town for a sunny destination or even a far away family member’s home that allowed for food and power sources was simply not an option.

Therefore it’s in your own best interest to have at least a small stockpile of foods and medicines on hand in case of a natural or other disaster that might keep you locked in your home.  Here are some things you can stock up on and still have money left over to pay the bills if you’re on a tight budget.

Core Foods

Core foods should consist of main meals for breakfast, lunch and dinner.  Here is some of what we try and stock up on.  Some needs to be prepared, and some doesn’t.  You may be in a situation where you still have power, but can’t leave your home due to blocked roads or extreme hot or cold temperatures.  Here are some basics that will get you through if the normal food supply is running low:

Rice (check the big box stores – we get ours for $10 for a 25 lb box)

Pasta – big bags(5 lbs.) go for roughly $6 at the shopping clubs

Beans: pinto, black, navy – whatever your family likes best.  You can get a huge bag of beans for about $7

Oatmeal: 2 – 5lb. containers for $7.98

Fully cooked meats, soups, stews, veggies and meals of your liking.  (Price, your choice.  It depends on how much rice, beans and pasta your family can handle, but these are definitely optional and not necessities, unless you’re stuck without power, so we always like to have at least some on hand.)  Let’s estimate $50 for this category.

**Note: This is a crucial part of stockpiling – only get the things your family likes to eat.  Don’t waste your money on stuff you hate just to have something in the house.

Beverages

This is easy.  Keep on hand these three basics:

Water (we buy the gallon jugs.  One gallon for each family member per day.  I would have at least a two-week supply on hand, so if you have a 4-person family, that’s 28 gallons of purified drinking water).  $28 at the most for a two-week supply, $56 for a month-supply.

A large box of powdered milk, for drinking and/or baking.  Yeah, it’s gross, but desperate times call for desperate measures.  Walmart sells generic powdered milk, 64oz. for under $14

Optional: you may want to have on hand some type of powdered flavoring, such as Koolaid, for your water, as a special treat.  I wouldn’t spend any more than $5 on this though

Spices

We keep a stockpile of 5 basic spices:

Salt $1.50 for 2- 26oz containers

Pepper $7.64 for 18 oz.

Garlic Powder $5.94 for 21 oz.

Chili Powder $5.28 for 20 oz.

Cinnamon   $4.58 18 .oz

This may not cover all of your spice preferences, but it will cover the basics.  You may want to exchange the garlic and/or chili powder for your own favorites too, but we’ve found that these five basics can get us by for most recipes.

Baking Supplies

It’s always good to have some basic baking supplies on hand too, for if an emergency arises and grocery stores are unavailable.

Flour $4.76 for a 10-lb. bag

White Sugar $4.79 for a 10-lb. bag

Brown Sugar $3.98 for 4-lbs.

Baking soda –$1.24 for 2 lbs.

Baking powder  $5.78 for 60 oz.

Vanilla flavoring $6.88 for 16 oz.

Cocoa $6.78 for 23 oz.  (What?  Chocolate is not a necessity?  I vehemently disagree!)

Butter (can be frozen) 4- 1 lb. boxes for $7.98

Eggs – not especially storable – this is where backyard chickens come in VERY handy.  That being said, I have skipped the eggs in things like pancakes and biscuits, and added a bit more water as needed to moisten, and they were perfectly acceptable to eat.

First Aid

You’ll also want to have at least a basic first aid kit available.  What should be in the basic kit?

Bandaids

1 Ace Bandage (for sprains and to use as a tourniquet if necessary)

Ibuprofen

Acetaminophen

Benadryl Allergy liquid for kids (faster acting in a liquid form for allergic reactions)

Neosporin or some other antibacterial ointment

Caladryl (for poison ivy, etc.)

Basic first aid instruction kit

Total cost for these items should run you about $30

Total spent on your basic stockpiling supply?  Roughly $250.  And this food list should easily last your family a month.

That being said, $250 is a lot of money to most people.  So how can you get the best bang for your buck and fit your stockpiling supply into an already tight budget?

1. Stockpile a little at a time.  Mr. CBB over at Canadian Budget Binder is a pro at this.   He always budgets a bit into his weekly grocery budget for stockpiling.  Check out his money-saving grocery tips here.

2.  Hit the sales.  It’s crucial to take advantage of great sales, both for your regular grocery shopping and for your stockpile.  When our favorite spaghetti sauce went on sale for 99 cents a jar, we bought 15 jars for the stockpile.  Add in the pasta, and we’re talking $1.75 for each meal for our family of six.

3.  Stick to the basics.  Your stockpiling supply is not meant to be full of gourmet meals.  Of course, if you can afford it, go all out.  But for those on a tight budget who are simply concerned about being able to feed their families in a time of crisis, stick to the basics.  The important thing here is that you have food to eat, water to drink, and basic medical supplies for emergencies that can be handled at home.

Remember that for homes with babies or toddlers, those on regular medications, those with pets, and others with specific needs, you’ll need to stock up on those necessary supplies as well.

What do you think of our basic stockpiling list?  Are we missing anything?

 

 

 

Emergency Preparedness 101

Aside from personal finance and debt relief stuff, the other topic we’re pretty interested in here at The Frugal Farmer is self-sufficiency.  Even a simple storm can render families unable to access fresh water or food from the grocery store, so preparedness and self-sufficiency isn’t just for the conspiracy theorists.  That being said, with all of the talk about U.S./South Korea/North Korea relations lately, I’ve been reminded of an article I received years ago from a prepper friend.  The article, among other info, contains a list of the top most valuable items that disappeared quickly during the Sarajevo War.   Now, granted, we don’t live in a third world country here, but recent storms like Hurricane Sandy left residents nearly as vulnerable as what these Sarajevo War residents went through.  Here’s what one person had to say about how to prepare when things change quickly where you live: Read more

Ways to Handle Unexpected Family Expenses

The following is a guest post.  If you are interested in guest posting for The Frugal Farmer, see our Guest Post tab at the top of the page or by clicking here.

About today’s author: Dave Stephenson is a dedicated internet blogger that loves to write about lifestyle and the world, covering topics including family, health, and pets, all the way through to technology, media and travel.

 

Ways to Handle Unexpected Family Expenses

Most families understand the fact that raising a family is filled with costly expenses, many of which are unexpected and require a little financial flexibility.  An unexpected expense could be anything: unplanned home repairs and spur-of-the-moment medical expenses are certainly two of the most frequent.

Without proper planning, unexpected family expenses can quickly drain a budget and leave very little money left over for anything else.  So what’s the best way to handle these financial “surprises”?  There are a number of ways to get around such problems and keep the household running smoothly:

 

What are you really responsible for?

 When a financial emergency pops up, most people are so stressed with wondering how they will come up with the money that they don’t really consider the notion that they may not be responsible for the entire bill.  It is important to take a step back, assess the situation and establish exactly what your rights and responsibilities are in such an instance.  For example, if there is a water leak in a rented home, it is the landlord, not the tenant, who is responsible financially.  Before footing the bill, whatever it is for, it is essential to check out the matter thoroughly.  If the matter is health related, for example,  will the health insurance cover any of the required treatment?  Or if the washing machine breaks down is it still under warranty?  Don’t rush into grabbing your check book and doling out money until you’ve assessed the situation and determined what you’re really responsible for.

 

Create a family budget

 No one can predict the future, so budgeting for a specific emergency expense is impossible.  But what’s not impossible is planning for everyday expenses such as the mortgage or rent, groceries, utility bills, and school fees.  Bills that a family pays every month, or on a regular basis, are easy to predict and plan for.  So, create a family budget and stick to it.  Then, it will be easier to carve out some extra cash to set aside for any unexpected bill that might arise.  The key is to make sure that the extra funds aren’t used to cover everyday expenses.

 

Buy only what you can afford

 A common mistake that many families make when managing their money is buying things they just can’t afford.  A good rule of thumb is to always pay with cash or a debit card, which draws directly from one’s bank account.  In this way, credit cards are not used for day-to-day expenses and sinking further into debt is avoided overall.

 

Preparing for a fiscal emergency

 Having that emergency fund set aside is a great idea, but how realistic is this when most families today are surviving paycheck to paycheck?  Making room in one’s budget for unexpected expenses isn’t as hard as it may seem – the trick is to just start small.  For example, every time a deposit is made into your checking account, use online banking to transfer a small portion of the income into a separate savings account that is not easily accessed.  Click here to read more about different family banking options.

Another good tip is to put any extra money into the emergency fund – a tax return, a bonus at work or an extra paycheck are all ideas of extra money you can add to your emergency fund.  Families can also fund their emergency account by putting off a large planned purchase, such as an expensive family vacation or a new car, or perhaps by bringing supplemental money into the family by doing things such as holding a garage sale and putting the proceeds into the spare account.  Because the purpose of this account is to tide the family over in times of financial duress or a spell of unemployment, the overall goal should be to have three to six months worth of living expenses set aside to meet such unexpected financial emergencies.

By preparing your family and putting some of the above tips into place, unexpected family expenses will have much less of a negative impact on your family, both emotionally and financially.  Decide today to prepare your family.