10 Elements of Practical "Prepping"

A friend of mine was telling me recently how she was concerned because her father has become hooked on shows and literature surrounding the topic of "doomsday prepping". At first I didn't see the big deal. What's the harm in keeping some canned food in the basement? We could all learn something from these "preppers", couldn't we? Well I finally got around to watching the National Geographic show "Doomsday Preppers" and I immediately understood her concern.

The whole concept of "doomsday prepping" is based around the idea of a complete collapse of society due to some cataclysmic event. It's a mentality that is fueled by anxiety and often hatred toward a particular group that these individuals deem as their biggest threat.

Despite these concerns the show did get me thinking. After seeing the chaotic aftermath of Hurricane Katrina and Superstorm Sandy, and the impact of long term unemployment after the market crash in '08, there is something to be said for maintaining a reasonable level of preparedness.

Regardless of what it is that is most likely to affect us, there are practical steps we all should take to help minimize the risk and disruption of such events.

1) Savings Account
The first step toward preparedness, and something that is almost never mentioned by "preppers", is having a healthy savings account. I think "preppers" often ignore this because they're usually focused on preparing for a doomsday scenario. Realistically though, income disruption due to job loss, disability or natural disaster is a much more likely scenario. Most experts recommend having at least three months of savings at any giving time. Most of that should be in an insured savings account; however, it is also a good idea to keep at least a couple of weeks worth of cash on hand in a secure location in the event that a disruption compromises your bank account or limits access to your funds.

2) A Well Stocked Pantry
Whenever a storm is predicted in my area, and I'm sure many other areas, people flock to the grocery store to stock up on groceries. Save yourself the hassle and keep a well stocked pantry to avoid the last minute rush. Now there is a lot of marketing out there for kits costing upwards of thousands of dollars for pounds and pounds of survival food. Spare me the freeze dried spaghetti, please! We should purchase food we will actually use and rotate it out. Don't forget the bottled water or a water filter.

3) Basic Supplies
Every home should always have basic supplies appropriate to their area such as flashlights, batteries, a first aid kit, back up cooking methods, cleaning supplies and simple hand tools. If it's affordable and an available option generators and wood stoves can help add additional comfort, especially in cold climates. It wasn't all that long ago when a fire place or wood stove was considered a necessity in a northern home. Given the uptick in severe weather resulting in extended power outages, this may be a feature worth adding if you can. A small boat or blow up raft should also be considered as well for flood prone areas.

4) Documents and Records
Disaster or not, it's a wise idea to keep tangible copies of all essential records in a secure location. This should include birth certificates, marriage certificates, deeds, titles, insurance policies, wills, trusts, etc.

5) Cyber Security
We also need to make sure we're not too complacent with digital records. The unfortunate reality is hacking and cyber terrorism is an ever growing threat and could feasibly turn out to be the modern battlefield. Make sure to download your most recent account statements as they become available. If your bank or investment accounts are compromised this could end up being the only way to prove what you had in the event of a discrepancy. Also, create strong passwords and change them regularly.

6) Home Security
Many of these "Doomsday Preppers" love to show off their home artillery. While I consider the use of weapons for home defense to be a personal choice, it is not a decision that should be taken lightly or made without some serious practical education. Even the military puts the most elite soldiers though what is known as the "S.E.R.E." training program - an acronym that means "Survive, Evade, Resist, and Evacuate". Engaging with the enemy is seen as a last resort. For homeowners in some states, it's even the law. There are many practical deterrents that we can use to protect ourselves and our property such as home alarms and defense sprays before resorting to deadly weapons.

7) Awareness and Education
Even if we stock pile thousands of dollars worth of food and supplies, we still need to have practical knowledge and skills. Not everyone is handy with a hammer, but everyone should have some general awareness of their home, how it functions, and what to do if something goes awry. Whether living in an apartment or a house we should all be aware of what type of HVAC system we have, what kind of fuel it uses and how to shut it down in an emergency. Vents, drainage, roofs, exterior doors and the immediate perimeter of the building should be kept as clear as possible. House numbers should also be clearly visible from the street. Most importantly, if utilizing a generator or other back-up energy sources we must be sure to educate ourselves in their proper use to avoid potentially fatal injuries. Hunting, fishing, gardening, self defense and wilderness survival are also practical skills that would be useful in the more extreme cases where long term survival became necessary. Or, even if we found ourselves unexpectedly in a survival situation as two young snowmobile enthusiasts in my area recently did.

8) Housekeeping and Organization
There is nothing worse than fumbling around through clutter looking for flashlights. While almost no-one can keep their house clean at all times, having a reasonable level of organization will help reduce stress when faced with an unexpected disruption. Stock piling supplies won't do much good if you don't know where anything is!

9) Vehicle Prepping
The possibility of having to respond to a high risk situation can occur not only at home, but also while on the road. First, try to keep the gas tank above half full so you'll be prepared if a power outage knocks out electricity to all of the gas stations in your area, or a quick evacuation is necessary. Also, keep some basic supplies in your vehicle such as snacks, blankets, flashlight, flares, and a first aid kit.

10) Conclusion - Keep it Simple and Practical
The "Doomsday Prepping" approach can seem extreme and overwhelming and may discourage us from taking any action at all. By focusing on realistic scenarios and breaking down preparedness into simple tasks we can better formulate a practical and personalized preparedness plan. Focus on the free stuff first, such as organization and compiling important documents and then do the rest, such as obtaining supplies and stocking the pantry gradually and as you're financially able.

Alos, check out other available online resources, but be wary of those trying to cash in on hysteria. There are some great checklists and tips available from the CDC, the Mormon Church, FEMA, and The Red Cross.

For a quick and more specific check list of things you should be considering, visit my new "Practical Prepping Check List".


Be Well!
Nicole

Happy New Year

My Take on Goal Setting and New Year's Resolutions...

It seems hard to believe that another year has come and gone. When I was young it seemed that time moved so so so slowly. I remember being very clear in what I wanted and the agonizing pace at which time seemed move as I longed to reach the ages where I could achieve what I wanted to do. Now I find that the older I get the more I have to make a deliberate effort to slow things down and check in with myself to make sure I'm not just spinning my wheels or even moving away from what I desire. Without taking time to self-reflect and set new goals for ourselves we risk spending years without any real personal growth.

Now let me be clear that just watching myself type the phrase "set new goals" immediately made a part of my brain say "ew, no we don't like goals." When we're young our family and our culture largely dictates for us what our goals should be. From the first day of kindergarten to graduation day, the milestones we need to achieve what we want are largely assigned to us without us realizing it. Then we get to a certain age when we need to start setting our own more personalized goals. 

When I first began learning about goal-setting it involved picking a specific desired achievement and then making a detailed list of objectives to describe how that goal would be achieved. If that works for you - great. For this Gemini, that is a far too rigid approach in most cases. Personally I like to take a more fluid approach toward personal growth. Like most people my enthusiasm waxes and wanes. Instead of feeling like I failed because I only practiced piano once this week instead of four times I try to focus on simple forward motion. As long as by the end of the month I've made some progress in my playing I will be happy with that. It doesn't mean I won't work as hard at it, I'm just eliminating that sense of stress and feeling of failure that comes from unnecessary check lists.

That being said, there are times when specific goal setting is necessary. There are some areas of our lives like personal finance, our jobs and even our health where we might need to be more hyper focused on completing specific tasks on a day to day basis. Maybe you like to keep a clean inbox or make a point to take a walk every day. Creating healthy habits is absolutely the foundation of long term personal growth. It's difficult to grow if we have too much clutter in our lives. Major changes however often require a different approach and an authentic emotional investment.

It's often an oversimplification to simply strive for a particular job position, body type or financial status. To really become motivated and achieve something that's going to be life changing we should, as much as possible, actually want to do it. If our New Year resolution is to "eat healthier" that shouldn't be the beginning and end of our goal. What do we really want to do? Improve our health? Learn new recipes? Be better at meal planing? Breaking major changes down into smaller parts allows us to create a process that can actually be enjoyable rather than a chore and make us actually want to stick with it. 

Weight loss for example is a common New Year's resolution. For many of us though there is so much emotional baggage surrounding weight and food that this task can quickly become overwhelming. Instead of focusing on such a broad goal we would likely be better served by choosing a related goal. We could make a point to walk daily, or eat vegetarian a couple of times per week. If you're a gadget geek trying something like the FitBit might be fun. 

Whatever goal we have it should resonate in a way that we get excited about what we're trying to achieve. 

Be Well,

- Nicole

31 Days of Living Well and Spending Zero - Days 17 - 31

October is over and so is the challenge! Days 17-31 were packed with some great ideas for avoiding spending. A few highlights...

Day 17 - Free Halloween Costumes: I was certain that my daughter would insist on a Disney Princess costume for Halloween this year; however, when I suggested she make use of her dress up clothes and go as a fairy princess she was all for it! While I certainly can't guarantee that children will always be this agreeable, I think often times we adults assume our children want store bought things when they're already happy with what they have.

Day 22 - Sell your stuff: If you're in need of some extra cash take some time to look around and see what's worth selling. You'd be amazed at what people will buy. Even odd little nick-knacks can fetch a few bucks on e-bay. It adds up quick!

Day 25 - Try Bartending (ooops Bartering): Okay, when I was doing the challenge I misread this one. It's supposed to be bartering, but my eyes read "bar tending" (I was thinking they made a typo and formed it as one word). Anyways....I like both. 

Let's start with bar tending. Now I'm not much of a alcohol drinker, but I am a big drinker of coffee and coffee related beverages. Now if you're like me you know that buying these beverages can be a major budget buster. Unfortunately espresso machines are not cheap. There are however some great alternatives. At my house we use a Bialetti Moka Express Espresso maker that can be used on the stove top and purchased usually for less than $50. This along with  a wand-type milk frother, which can be found for less than $10, has saved us a lot of money. Want the coffee shop atmosphere? Turn off the TV, throw on some jazz or acoustic music and dim the lights. Voila!

Now for bartering.... I like bartering because not only can you save some money but it's also social and can be very rewarding. I've had several great bartering experiences. I once traded snow tires for a Nintendo Wii. Last year I dog sat in exchange for having an antique doll house refurbished. More recently I traded my old saxophone for a really nice electric piano. If I hadn't arranged these barters I'm fairly certain I would not have the electric piano, and the dollhouse would likely still be in disrepair (I since donated the Wii). 

Day 27 - Free Family Activities - This is one of my favorites because it echos one of my top pieces of advice which is, instead of buying something - do something! Whether it's a quiet day at home, playing games, going on a hike, bike riding, or finding a local event with free admission there are many ways we can have fun simply by spending time together. Mall dwelling should mostly be avoided. Shop when you actually need something, not as something to do!

Day 30 - Plan for the Holidays - Thanksgiving and Christmas are fast approaching, and if you're like most of us that means some inevitable expenses. Everyone feels differently about the appropriate amount to spend during this time of year, so I'm not going to get into a lecture about what you should or should not buy. The important thing is that we make a plan. Make a list or mark on a calendar what will be purchase, when and the estimated cost. If you're hosting Thanksgiving start buying the non-perishables now. Appropriate planning will help reduce a lot of unnecessary stress and allow us to enjoy this festive time of year.

A special thanks to the Living Well, Spending Less blog for this fantastic challenge!

Be Well,

- Nicole

31 Days of Living Well and Spending Zero - Day 16

Days 8-16 of the challenge were primarily about cleaning and organizing. I am a big fan of cleaning and organizing as part of a holistic financial wellness plan. It can be easy to forget what is shoved in the back of closets. As an example my daughter has become really interested in board games recently. Remembering that we had some board games collecting dust we took a trip down to the basement where she found the game "Clue". Would you believe it had never even been played?!? I don't even remember how we came to acquire it! Thus something that was collecting dust became a found treasure for my daughter.

It can be easy to have a knee jerk reaction to run out and buy a new game, toy, piece of clothing etc without stopping to take stock of what we already have. What about you? Have you ever been cleaning or organizing and been thrilled to find something you forgot you had?

31 Days of Living Well and Spending Zero - day 7

Ok, so maybe I won't post every day. Anyways, I'm back to post about my family's progress toward the zero spending goal. So far it's going very well. I don't have any non-essential spending to report. We did end up doing a rather large grocery shopping on Saturday at the club store we belong to, but that being said we stayed focus on buying only essential ingredients and avoided snack food and beverages.

Day 4: The homework for day 4 was, "plan a meal swap" with the main focus being to cook in bulk. We don't really have anyone locally that we can practically do this with, so we opted to not participate in the swap but definitely did take on the recommendation of cooking in bulk. We've done this before and we're always glad we did. It's also one of the reasons we went to the club store. on Day 4. We stocked up on large quantities of meat and produce which facilitated the created of several portions of Potato Leek Soup, Shepherd's Pie and Pot Roast with fixings. What I liked best was that last night instead of rushing through making dinner I was able to come home, pop the pre-made Shepherd's Pie into the oven and then enjoy a game of Candy Land with my daughter. Not to mention there was far less clean-up after dinner.

Day 5: Day 5 was "eat out at home" day. We haven't done this yet, but I definitely plan on trying the home made Frapucinos!

Day 6: Day 6 was "get a free education" day. This goes back to my #1 money saving tip - "instead of buying something, do something. Personally, I'm working on building my skills on the two musical instruments I play. I'm also taking some time to brush up on my industry knowledge using the free classes available on Coursera. My husband will be back out in the woods hunting next week. Whatever it is, whether the re-invigoration of a once favored pass time or taking up something new by not wasting our days shopping we will find that we have much more time to build more fruitful skills.

Day 7: Day 7 is for "Week 1 Reflection". So far it's going really well. Personally, I'm not a big shopper to begin with. I loath shopping actually, but there are still silly little ways we all waste money even if we're not mall dwellers. I think for my family the biggest realization was that we have to do a better job meal planning, and also to stay away from the coffee shops. We love our mochas, but not enough for them to be a line item on our budget.

The next two days are all about cleaning the house. While I appreciate the gesture, the author of the blog hosting this clearly does not work a 9-5 like I do. Hauling out the house in the middle of the week doesn't exactly fit my lifestyle. So, I'm going to work that in where it works best for me. My husband and I actually did a pretty big cleaning a couple of weeks ago, so I might come up with some alternatives for the next couple of days. Stay tuned!

Be Well,
- Nicole

Embracing Autumn; The Other "New Year"

There is something about the cooler weather and shorter days of late August that never ceases in offering me a sense of pleasant anticipation. For me, the feeling of fall brings with it a sense of "returning to normal". I know that my perspective does not apply to everyone, but I know there are others out there who can relate to what I'm saying here. While I love the summer with it's warm weather, cook-outs, camp-outs and swimming, the hectic frenzy of weddings, family reunions and late nights celebrated in a haze of humidity can also be very draining. By this time of year I'm ready for a change in pace.

More than any other time of the year, fall has always presented as my best time for renewal. Maybe it's my introverted nature or years of being habituated by the rhythm of the school calendar. Perhaps it's the fatigue that comes from the sense of urgency created by the short New England summer to cram in as much fun as possible. Whatever it is, the sense of everything slowing down offers me the best opportunity to reexamine and re-energize.

Items to consider...

Intellectual Development - With the coming school year we are all inundated by the marketing messages of, "back to school." Regardless of whether or not we ourselves are students, or parents of one, this is a good time to think about where we're at with our own intellectual development. I use the term intellectual development instead of "education" because I think when we hear the word "education" we are apt to think of classes and textbooks. While taking a class is certainly part of this, it's not the only means of working our minds.

On a professional level we may work in a field that requires continuous education in which case we may be meeting this need by happenstance. For others we may not have this requirement and may need to make more of a personal effort to gain additional expertise in our profession. If your line of work does not require specific continuing education requirements, see what's available for literature, quality web content and conferences to help keep you up to speed in your field.

On a personal level, exploring areas such as our own spirituality, hobbies and interests are other avenues where we can experience intellectual development. It could be as simple as reading the biography of someone we admire, or as in depth as attending a retreat or going back to school.

Why is this important? - If we don't occasionally look outside of our own world we can become very self-centered. Before we know it we don't see past our own little world of self, children, spouse, job and all of the little in's and out's of our daily lives. By taking some time to learn something new we make connections with the world around us and are better able to balance our own sense of being with that of others.

Housekeeping - Nothing bogs us down practically and spiritually more than unnecessary clutter. It's time to get organized! There are few things in life that offer as much instant gratification as cleaning out a closet or cluttered desk. Yet we will always tend to put these sorts of things off if we don't set aside the time to deal with them.

If your not sure where to begin the best first step is often going room by room and seeing what can simply be tossed or donated. Closets and basements are usually the best places to start. From there it's a matter of going from space to space to sort out what goes where. The goal should be for everything to have it's own place and to avoid just sticking things in random places. If you need supplies to assist with storage and organization discount stores like Big Lots can be a great place to obtain containers and shelves. there are also TONS of great blogs solely dedicated to home organization.

Finances - As an extension of housekeeping, examining our finances using the "Prosperity Check" is a must this time of year. The stretch between summer vacation and the holidays is a great time to sit down and see where we're at financially. It's also a good time to plan a budget and savings plan for Christmas shopping, holiday parties and other year end obligations so we're not having to do financial gymnastics at the last minute to cover these expenses if we choose them.

Our Health - With access to fresh produce at it's peak and cooler temperatures prevailing, the fall is an ideal time to take a look at our diet and fitness habits. While I'm not a health and fitness expert I do feel confidant in saying that whatever approach we take it should be moderate and sustainable. Avoid fad diets, harsh cleanses and quick fixes. Sending yourself on a physical roller-coaster will inevitability be felt mentally as well and in the end will only prove to do more to move us away from our goals than toward them.

We also need to consider our mental health as well. What's working? What's not working? Are we taking time to decompress throughout the day, or are we frenetically bouncing from one task to the next? Are we embracing our spiritual practice or pushing it aside? There is nothing like a cool, rainy fall day to take some time for prayer and/or meditation.

Make Your Plan - Whether we choose to focus on one of these things, all of these things, or subjects not even covered here the most important point to all of this is that we're checking in with ourselves to make sure we're on track toward personal growth and that we're not holding ourselves back with procrastination and excuses.

Be Well,
Nicole

The Mystery of the Boomerang Generation

I am a young 30 something, right on the cusp of the millennial generation.What makes a Gen Y person like me different than a Millennial? I remember life before cell phones and computers. I grew up with a television the size of an oven. We had rotary phones, enormous sedans, and permed hair. I well remember the Gulf War and when Russians were the default bad guys in action films. The Clinton years, grunge and MTV were the hallmarks of my youth. Then something changed.

No this isn't going to be yet another writing about the worthlessness of "kids these days." There are a lot of things that I think Millennials do better than those of us who came before them. They demand tolerance and equality. They are largely very thoughtful and intelligent. They also have big dreams and reject conventional consumerism. While all of these traits are a breath of fresh air, they can also make for their own undoing.

A number of studies have shown that marriage is down, birth rates are down and the workforce is aging because so many young people are simply not participating in the "normal" passages of adulthood. In some respects I think it's great that young people are carving out their own definitions of what their lives should be like rather than just adhering to societal norms. At the same time, there has to be some balance and an understanding that not every aspect of life is going to be a profound experience. 

Sometimes we all have to work the job we don't like or take the boring general education class. These days when so much of our lives are customizable it can be easy to forget that sometimes you just have to do what you have to do. Unfortunately for these "boomerang" kids, they don't appear to see that as an option. There is a mentality of, "I went to college for X, so I am only going to do X." Especially in cases of non-traditional or arts based majors it seems that no one ever explained to them that they might need to get creative, or work a day job for a while.

It's not that I'm trying to bash these folks, nor do I look down on them. Some of these individuals are people I know and love. They're well intended, but they're beating themselves up and gradually giving up on their dreams because their expectations are just way too high in regards to where they expect to be in the short term. 

So, what's the solution? There is no real system that can be applied to existential crises such as this. What I have found when people like this open up to me is that they tend to respond well if they understand that in various ways we've all been there. We all hate our jobs sometimes, wish we lived in a different area or feel like our lives are just simply boring. It doesn't make us failures or mean we sold out. We just recognize that our lives move through cycles and hiding out in our childhood bedrooms is not a solution. Sometimes we're doing exciting things and sometimes we're not.

The bottom line is that life moves in cycles. Despite what the internet culture has lead us to be conditioned to, we can't always have what we want, when we want. We have to learn to embrace the process of reaching our goals and celebrate not only achieving what we want, but the also small accomplishments along the way.

Simple Ways to Save Today!

I thought I'd go with something quick and to the point today - simple ways to save. None of this is likely to be new, but we can all use reminders. It's easy to mindlessly spend. Occasionally we all need some motivation to put those credit cards away. So what should we be doing?

STOP Window Shopping:
Many of us waste time roaming the malls or browsing online at the latest cell phones, cars, clothes, books, etc. We might think that there is no harm in it, but trust me, marketing is an incredibly powerful tool to those who know how to use it well. If you browse you will want to spend. So, unless there is something you're truly interested in purchasing, stop window shopping! There are far better things we can do to fill our time.

Revisit What You Have:
Most of us having things lying around that at one time we had to have, but that's now collecting dust. Some common ones are exercise equipment, video game systems, hobby kits, musical instruments, golf clubs, bicycles etc. If we're looking for something new to entertain ourselves, why not revisit something we already invested in?

Buy Used:
There are very few things I have in my house that are new. As much as possible I buy what I can second hand, especially furniture.

Scout Online For Clothes:
I rarely shop for clothes in the store. There are tons of savvy shopper out there who have made a business for themselves by purchasing and reselling clothes on e-Bay. I can usually find brand name tops and pants for a fraction of what they cost in the store. The trick is to find brands that you know fit consistently so there is no worry about returns. Not a fan of e-Bay? Even regular retailers most often offer their best deals and selection through their online clearance sections. I always recommend checking these out before heading to the store. Not to mention what you'll save in time and gas!

Eat Real Food:
This one helps your wallet and your waste line. My husband and I have always joked that when we were first married, the poorer we were the better we ate. To us things like soda, cookies, beer & wine, and other snack foods were always viewed as a treat that we often did not have room for in our budget. As an affect we got out of the habit of buying many of these items. Yet it seems that many people just take these items as "must-haves" on their shopping list. I'm not saying you have to be a health nut, just consider the cost of this habit.

Plan Meals:
A big trouble spot in my budget has always been eating out. When life gets busy, the first thing that usually gets sacrificed is meal planning and grocery shopping. It takes time, but making a point to go through the flyers and make a shopping list that includes everything you'll need to get through the week will be well worth the time. A great tool to help with this is www.emeals.com. I've used e-meals off and on over the years. It's a great way to get in the habit of meal planning and also to try out new recipes. It's a fantastic system and a huge time saver!

Plan Backyard Adventures:
You don't have to go on an exotic vacation to have a good time. There are often times dozens of things to do within our own communities or just a short drive away. Instead of focusing on expensive vacations, see what's available locally or as a weekend getaway.

Don't Take My Advice

Demystifying Gurus & Making Informed Choices

There are a lot of great motivational folks out there, especially in the financial field, and many of them offer fantastic advice. At the same time, however, it can often be noted that many of these gurus can come off as fanatical. They present their solutions as all or nothing and if we dare to consider a differing opinion then we're doomed to disaster. This is all part of being a media mogul and it's something we need to be aware of when we follow these sorts of advice giving celebrities.

Whether it's the FICO score obsessed, Suze Orman or the debt-phobic, Dave Ramsey, the use of fear and absolutes is a common tactic among such gurus who are out to sell you on their brand. The more they can convince us that they have the best and only real method of obtaining financial success the more they can get us to spend on their system. It's all sales and marketing so we need to be educated consumers when we take in information just as we should be when we make tangible purchases.

Now don't get me wrong, I think there are a lot of great ideas presented by the individuals mentioned above. I find Dave Ramsey's radio show to be incredibly motivating and I've recommended his book to many of my friends and family. But, do I think you're a loser if you lease a car? No. Do I think it's sometimes necessary to borrow money for college? Yes. Yet when it comes to tackling debt and building savings, I don't think you'll find a better system out there.

The point is when we allow ourselves to become enchanted by gurus of any kind we can often end up feeling let down. We spend money on books, products and seminars only to have the initial enthusiasm wear off and end up back where we started. When we take in this sort of guidance it should be to motivate us and help us make better choices and not to simply conform ourselves into someone else's ideal.

Be Well!
- Nicole