CHALLENGE ~ WEEK 15
$ Survival Money $
Fill your Piggy Bank for your Emergency Fund.
During the previous challenges, we have asked you to save the weekly amount or what you can each week. If you have done so, you should have $105 saved to date. If you have been saving more, Good for you! Even if you save a small amount like $5 or $10 a week. It's a good place to start.
We need to prepare for the day when the banks are closed for good or when your financial situation takes an unexpected turn for the worse. At least you will have something to fall back on.
To start, review your Credit Reports (Experian, Equifax, Transunion) for anything that should not be on your report. Dispute it and removed it from your reports.
Do you have a budget? If not, create a budget to estimate monthly income and expenses. Your goal is to reduce debt by making regular payments of at least the minimum due and pay your bills on time.
Find a way to reduce the payments on your insurance coverage including flood, health, homeowners or renters insurance. Shop around for a better rate to reduce your payment and reduce your debt. You will be better prepared in case of an emergency if you have a plan in place.
Keep important records safe and save important documents and receipts digitally, in addition to preserving the original documents in a waterproof, fireproof container.
Protect your property by taking photos and videos of household items, vehicles, house, barn, and landscape. You may have to show proof of possession to the insurance company in case you need to repair, replace, or rebuild after a disaster.
Make sure to have cash on hand and secure it in a place so that you are able to access it in case of an emergency or when the Automatic Teller Machines (ATMs) are not available.
If this is not your thing, contact local organizations and non-profits that employ qualified and nationally certified counselors or coaches to receive guidance on how to organize your finances.
The suggested items are for your Panty and 72 Hour kit. Add or substitute the items of the list to suit the people you are planning for.
HERE IS YOUR CHALLENGE
Food Storage Purchase
Every week you should purchase water even if it is not mentioned in the challenges.
Water (1 gallon per day per person)
Gravy packets etc.
Extra Item Purchase
Spring is here! Now is the time to purchase winter gear that is on sale. Find what you need on sales and purchase it.
Waterproof Boots (Hiking, Mud, etc)
Hat or Skull Cap
Hand and Foot Warmers
If you have a wood burning fireplace or stove, have it checked out and cleaned. You may also want to have your heater or filter on your furnace checked .
Skill or Drill
Review the Emergency Financial First Aid Kit (EFFAK) as a guide to financial preparedness.
Save $15 or as you budget allows. Save something.
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