Money Mondays: Personal Savings Lessons from Prepping

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This post is by Bernie Carr,

Prepping may seem unrelated to personal finance, yet I found that these areas are intertwined.  After all, you need a certain amount of money to buy supplies, and whatever you spend on will impact your monthly budget.  At the same time prepping habits also impact your finances, hopefully in a positive way.  Here are a few money lessons that I learned from prepping.

  1. Having a small stockpile of supplies actually saves you money in the long run.    If you stock up on items that your family uses such as canned food that everyone eats, toilet paper, laundry detergent, bleach, sugar, coffee etc., you will always have ingredients or supplies on hand and never have to run to the store at the last minute for something because you ran out.
  2. Stock up on items while they are on sale and combine sales with coupons for maximum savings.  Buying in bulk also helps you save money.
  3. Learning new skills will empower you to make things that you previously only bought at the store, thereby saving you cash.  If you know how to bake bread, make yogurt at home and grow some herbs, these are items you don’t have to buy.
  4. Getting in shape and losing weight are part of a good preparedness plan and will save you money as well.  If you are overweight and out of shape, you will have trouble navigating an emergency, therefore it behooves you to get healthy.  Being healthy saves you from spending money on doctor bills, prescriptions and lost time from work.
  5. Set aside a small amount of cash in case of emergency.  If there is a power outage, credit and debit cards will not work.  You should have enough cash to cover food and gas for at least a couple of days. 
  6. When you are ready to invest in gold and silver coins make sure you take ownership of these items in physical form, not just a certificate.  Or, start collecting pre-1965 quarters and dimes which contain 90% silver.
  7. Don’t get into more debt buying preparedness items.  Figure out what you can afford and stick to a plan.  Even $5 a week will get you a good start, as long as you do it consistently.

Being frugal and learning to live on less are all great habits to have regardless of whether an emergency happens.  Even if you never experience an emergency, your finances will be greatly improved if you adopt these habits.


© Apartment Prepper 2016

Mountain House Sale


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  1. #5 on the list is a really good suggestion.

    However, it should be remembered that in case of a power outage – especially a widespread outage – even cash “might” not be of much use. Very few gas stations and stores have emergency power back-up … therefore the gas pumps, cash registers, and product scanners simply won’t work.

    IF POSSIBLE, I’d recommend doing some of your routine grocery shopping at a small local “mom-and-pop” store. In case of a power outage, the owners of the store MIGHT use a calculator and take cash when the registers and scanners don’t work …
    Obviously, this will all depend on the owners and it would be a good idea to inquire as to their policy during a power outage before becoming a regular customer.

    (This has happened to me.)

    1. Hey Paul, That is a good idea. A small store will calculate pricing manually, while a large one will just close the registers. Thanks for the comment.

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