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financial self-sufficiency: how self-sufficiency effects personal finances

Many times people find themselves unprepared for an event that puts a strain on their bank account or ability scrounge up funds to pay for even some basic things. At times like this we think to ourselves “I wish I could do something differently so that I could save some money on this or that”. Learning financial self-sufficiency requires changing one’s thinking and maybe even living habits or daily rituals so that money can be saved, obligations or emergencies covered, stress can be relieved and life lived.

My aim in this article is to help with advice and direction in others’ journey to this destination of financial self-sufficiency through planning, budget, self-control, action, being proactive and thinking ahead.

Defining financial self-sufficiency

Let’s define practical thinking: It is defined as; ways to adapt to your environment or changing your environment to fit you, so that you are able to pursue a goal.

There are a few different ways to define financial self-sufficiency. One way I would define it is changing your financial environment to fit to you and your financial needs, such as not needing a lot of money to have the necessities of life and be happy. Living frugally, keeping your own personal cost of living down and providing as much as you can for yourself such as I have touched on some of these topics in other articles here on Being Prepared Today.

An Entrepreneur is one example of financial self-sufficiency. Finding new ways to actively generate or make money work for them creates Financial self-sufficiency. By doing so, they do not depend on a company, corporation or the government for their well-being or social survival. They are supporting themselves.

Educate yourself on various topics so you have the know-what and know-how to get things done. I have linked here in the picture, a book called The Ultimate Self-Sufficiency Handbook. It will be of immense help in any goal to be educated in certain areas of getting things done for yourself, your family and your self-sufficiency.

Frugal living and penny-pinching can help financial self-sufficiency

Cutting unnecessary spending, eating only home-cooked meals and leftovers as much as possible as well as saving any extra money as often as you can will lead you to this frugal lifestyle that is a staple of financial self-sufficiency and independence.

Growing a garden every year and learning how to store, can and jar foods will save you some money in the long run.

Buy certain non-perishable foods when they’re on sale and have a rotating food or cold storage.

That doesn’t mean to live like you’re broke by any means. It means to live smart, not beyond your means and build a lifestyle that suits you while at the same time having everything you need.

Be debt free – save first spend after. Even if you need to take out a loan or borrow money, pay it off as fast as possible. You will save money on interest by shortening the length of your loan payments.

Set goals or objectives. Take action so that your actions become habits. This is by far one of the most effective moves you can make towards being effectively financially self- sufficient.

Living off the land

This is one that a lot of people think of when the term ‘self-sufficiency’ is spoken. It is also another very effective way towards that goal of independence.

Growing your own food is effective because you not only save money on food from the grocery stores, you know where that food came from and how it was treated. Or rather, not treated with harsh chemicals and poisons. It can be a clean source of wholesome foods for you and your family.

Hunting game and raising animals such as chickens, cattle or pigs provides meat and eggs and usually doesn’t cost outrageously to keep them fed. Nor do you need tons of land to do it. So many people choose to raise Hens in their backyard because of the price of food and eggs inflating to ridiculous heights. Check your local laws concerning this however!

A lot of people here in America are still living off the land as much as possible and an increasing number of people are learning to grow food for themselves. There is a movement happening now, as folks want to be food secure.

Farmers and homesteaders

Homesteaders are ultra efficient in their methods because most have had the traditions passed down in their family for generations. Don’t let that discourage you as you can always learn for yourself and from others!

Food prep for winter is a skill that you can definitely start practicing. Plenty of people still jar and can their own foods from their gardens for winter and even all year ’round use. Pickling and preserves/jams are the most common but you can also do salsa, tomatoes, fruit and pie fillings too. Smoking and curing meats is a skill that some have perfected into an art form. Myself, I love smoking meats and making jerky on my smoker.

There are markets called farmers markets or town markets. Some participate in markets to bring in cash to support the rest of the farm/homestead as outlined below. They produce or craft wares that will be sold at these local farmers market

Small business and entrepreneur

Small businesses support can their lifestyle by selling or bartering surplus of goods, whether grown or handcrafted. Doing the small business thing if you have surplus of items, you will even bring in a bit of extra cash if there is a decent demand for what you are creating.

There are plenty of ways to bring in a supplemental income online as well by e-commerce, drop shipping and even affiliate marketing. This requires some measure of creativity and ambition so check it out and see if you have what it takes! you could open the door to so many possibilities.

financial self-sufficiency
Farmers Market

Families or homesteads will participate in farmers markets, own nurseries for trees and plants as well as buy and sell livestock and animals. They are the backbone of communities and can be the ultimate example of independence and self-sufficiency. A lot of times you will buy products that you never knew were produced by families or small businesses like these.

My Conclusions

This shouldn’t intimidate or overwhelm you or make you think ‘Hillbillie’ or anything like it. If anything you gain an appreciation for the natural cycle of the world and of life in general. You will learn quite a few cool things about self-sufficiency along the way and be knowledgeable in these areas.

There are plenty of other ways to save money and cut back on costs of various things such as biking or walking whenever you can, saving and recycling aluminum and other metals as well as line drying clothes and composting. All these things if done right, will save money and help you provide for yourself and your family. Whatever choices you make, with commitment, a little hard work and forward thinking your path will lead you to the independence you seek.

I hope you have found this article to helpful and informative. If you have any comments, questions or input please do so in the box below.

Thanks.

This article contains Affiliate links through which, when clicked on, I may make a commission from any purchases made.

Preventing Spring Flooding Disasters: Essential Tips for Homeowners and Communities

 The causes of spring flooding disasters
  As the weather warms up and the snow starts to melt, it can lead to a buildup of water that can cause spring flooding in our communities. In many areas, snow accumulation over the winter can create a large snowpack on the ground and in high country.
  When the temperatures start to rise, the snowpack starts to melt and release water into nearby streams and rivers. As spring flooding disasters are often caused by this type of snowmelt, which can quickly overwhelm drainage systems and cause the water to spill over into surrounding areas. There are several factors that can contribute to the severity of spring flooding disasters.
  For example, heavy snowfall over the winter can create a larger snowpack, as we have seen this year, which means there is more water that can be released when the snow starts to melt. If the snow melts too quickly, this can exacerbate the situation and lead to flooding. Additionally, if there is a sudden heavy rainfall during the spring, this can add even more water to the situation and make flooding more likely.
Spring Flooding
Snowpacks for this year in the western US

 Possible Dangers and Destruction from Snow Melt-Off Flooding

  Spring flooding disasters caused by snow melt-off can lead to a number of dangers and destruction. In addition to the obvious damage to homes, buildings, and infrastructure, flooding can cause significant danger to those in affected areas, such as riverside properties. The high levels of water can be fast-moving and unpredictable, making it difficult to navigate the area. Additionally, the water can be contaminated with harmful bacteria and chemicals, making it possibly extremely hazardous to come into contact with.

Spring Flooding
River overflowing its banks into walkway
  Flooding can also have significant long-term impacts on communities. For example, a flood can cause damage to homes and infrastructure that can take weeks or even months to repair. This can lead to significant economic losses for individuals and for the community as a whole. The destruction that can be caused by flooding can also lead to psychological stress for those impacted, especially if they are displaced from their homes or lose important possessions or family heirlooms due to the flood.
 How to Be Aware and Avoid These Dangers
  The key to avoiding the dangers associated with spring flooding disasters caused by snow melt-off is staying aware of the situation and being prepared. Stay ahead of these dangers and prepare for winter by winterizing your property. Install landscaping that will divert water away from your property or more importantly your home.
  One of the most important things you can do is stay apprised of weather warnings and reports in your area. If there is a risk of flooding due to snowmelt, monitor the situation closely and be prepared to evacuate if necessary. It’s also important to be aware of your surroundings if a flood does occur. Avoid walking through floodwaters, as the water can be contaminated and dangerous. Additionally, be aware of any downed power lines or other hazards that may be present due to the flooding.
Sand bagging to keep water at bay is one of the most widely used solutions but only works to a point.  They can become overwhelmed fast when enough water is present.
Spring Flooding
sandbagging solutions

Another widely used method is levy building and is much more durable but on a grander scale, most of which are built by municipalities, cities and/or counties.

Spring Flooding
Dirt Levy built to contain a river
  One way you can prepare for potential spring flooding is by having an emergency kit on hand. This kit should contain basic supplies such as food, water, and medication, as well as flashlights, batteries, and a first-aid kit. You should also consider having a plan in place for where you will go if you need to evacuate your home.
Having a few emergency supplies and emergency checklist is a huge step toward being prepared as well.
 Ways to Recover if a Snow Melt-Off Flooding Disaster Effects You
  If you are impacted by a spring flooding disaster caused by snow melt-off, there are several ways you can start the recovery process.
  The first step is to make sure you and your loved ones are safe. If you need to evacuate your home, make sure to follow the advice and instructions of emergency officials.
  Once you are safe, contact your insurance company to report any damage to your property.
Spring Flooding
Community Service and Action
Communities coming together to help each other is a very effective action that can be taken to mitigate flood damage as ideas and motivation come together for the purpose of everyone’s well being and safety.
  Document the damage with photographs and keep track of any expenses related to the flooding. Depending on the severity of the flooding, you may also be eligible for federal disaster assistance.
  Contact your local emergency management agency for more information. In the aftermath of a flood, it’s important to take steps to prevent further damage to your home. This may involve drying out your home and belongings, removing any contaminated materials, or making necessary repairs. Be sure to work with reputable contractors and follow any safety guidelines provided by officials.
 Conclusion
  Spring flooding disasters caused by snow melt-off can be devastating for individuals and communities alike. By staying informed, being prepared, and taking necessary precautions, you can mitigate the impact of a flood if one occurs.
  Remember to always prioritize your safety and the safety of your loved ones in the event of a flood. With these steps in mind, you can be better prepared to weather any spring flooding disasters that come your way.
You can search more ways to prepare for winter run off and other ways to be prepared at Ready.gov
A news article to different resources and other ideas, check it out.
I hope this article is helpful and informative.
If you have any questions, comments or input, please feel free to do so in the box below.
Thanks

Winter preparation for the family

I’ve been there and so have a lot of people. Getting  caught off guard when the outdoor temps suddenly change to cold or freezing. Then you remember; crapola, I  forgot to cover the A/C condenser outside!  Even getting items that are sensitive to getting wet pulled under a cover of some sort.  Or, as silly as it seems, draining your sprinkler system and opening valves so they don’t freeze and break or burst. Winter preparation as an individual or for the family could be the difference between comfort and discomfort or, worst case, life and death.

If you are prepared for the hazards and harshness of winter you are more likely to stay safe, comfy and healthy when temps start to fall.

Winter preparation
A Snowy Winter

 

Winter preparation thoughtfulness

Every year, preparation  for winter time is a necessity in at least 50 percent of the U.S. With snow and freezing temperatures covering the northern half of the country, often times, extreme Winter preparation is needed to protect livestock, agriculture, plumbing, homes, roads and infrastructure as well as our elderly and children.

It is because of necessity that we think of these things. Those of us who live in these cold climates are accustomed to thinking in this way but not all consider every angle nor everything.

Being mindful by planning ahead and watching weather reports during winter will increase productivity, safety and preparedness.

 

Winter preparation at home

Where to start? Good question. Every climate will have different necessities of course. I would make a checklist of the things you can think of that are most important first. A list you can fall back on every fall to prepare your household for winter. Things that need to be done outdoors because that’s where the temperature will change of course. Things like sprinkler systems or making sure the wood pile is protected from precipitation. Then secondary items like the home inspection type etc..

Stock up on food supplies like canned and dry goods if you don’t already have a food storage and always have a spare/extra bag of pet food for your furry family members.

Winter preparation
Covered wood

Give a double check on your home, insulation, furnace, windows, openings, plumbing etc… Make sure your windows and doors have no drafts, this could lead to unnecessary power consumption or loss of heat in your home. Get any outdoor exposed plumbing insulated and covered. The water freezing could cause the pipes to burst. You don’t want to replace piping in the winter time. Trust me.

Winter preparation
Insulate outdoor piping

Tie up any loose ends around the house like putting the leaves from the front lawn in the composter or rolling up and storing all your garden hoses if needed.

Another idea I feel is fairly important personally is to spray the outside and openings of your home twice with an insect blocker to keep spiders and other intruders out. They will most certainly want to move in before the weather turns cold so get to this in the late summer and maybe mid fall.

Give everything a once over. The little things can become a time consuming nuisance if not thought of.

 

 

Ranchers and farmers have quite the task before them when it comes to prepping for the winter months. Mending fences and fixing feeders or water troughs are things to be done so that they are not needing fixing in the middle of the cold months.

 

Power outage mindfulness

Outages can come both during a storm and when there is no weather occurring. The weight of snow can fall power lines and poles and while on the flip side too much power consumption in any given area during a severe freeze can over load the grid causing a blackout.  Following a Winter storm prep checklist is going to help you make it through am extended severe storm emergency.

In these cases, make it a point to have a backup power source like a battery storage or even a generator. The food in your fridge will want to go bad. The cold will creep into your home. If you run it for even a few hours you could warm a room in your home, wash laundry, charge phones or laptops and keep food cold in your freezer or fridge. Solar power would be good backup but even more so if you have a battery storage system.

Every prepared family in colder climates have extra blankets and batteries at the very least.

 

Concern for Elderly, Children and even yourself

Winter preparation
Helping family and elderly

Looking out for each other during harsh times and checking up on our elderly family, neighbors and friends is one of the most charitable things we as humans, could do. Being thoughtful could just save someone’s life or help them to be a little more comfortable. One never knows what someone else’s plight might be unless we make the effort to help.

Be educated and know what to do in emergencies. Have a knowledge of some first aid procedures and how to treat frostbite as well as hypothermia. Read up on what other people do in these situations as well as what they might do to be prepared, so that you and your family also, can be prepared.

I hope this has been helpful and informational. If you have any comments, questions or input please do so in the box below.

Thx

Save energy during winter

Farmers Almanac winter prep

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