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How Much Do you have saved in case of Emergencies?

2»

Re: How Much Do you have saved in case of Emergencies?

  • We will always be grateful to Belmont University.  H was only there for a semester, but they allowed him to enroll late after being displaced, so he stayed on track for graduation.  They even honored his scholarship.  He had a full tuition scholarship at Loyola, and Belmont waived all tuition and fees for him.  They also ignored the fire code in their dorms so that NOLA students could stay on campus for free that semester, even though their dorms were technically at capacity.  They also provided a meal plan to him for free, and they even gave him a small book stipend.  The whole arrangement was unbelievably generous, and that school will always be a special place to us because of how they treated him.

    We hope to pay them back someday for their generosity.

    That enabled my H to use his cash gigs for clothing, toiletries, etc. My parents were also able to help him out because they maintained a joint bank account with me while I was in college to provide cash in emergencies.  I also had a credit card with a low limit, and my parents paid it that month to help.  H's parents, on the other hand, had no way of getting emergency cash to him, nor did he have a credit or debit card when he showed up in Nashville.  I have no idea what his parents were thinking, dropping their 17-year-old off in a city 8 hours away for college, without any way to send him money in an emergency.  Because Katrina definitely qualified as an emergency.  On the upside, we learned a lot from it, and H got a lot of help from strangers during those few months.  H also started taking his finances very seriously from then on, because being financially stranded like that was incredibly difficult for him.
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  • To share, a couple of things we have found helpful are:

    The recommendation for water is 1 gallon per person per day. So if you have 2 people and you plan on a 7 day water outage, then you need 14 gallons. This is for meals, and water intake, but probably also hygiene and toilet needs. Obviously, a person may not use a full gallon every day, but then you can reserve it and if needed, stretch it out for a longer period. Also, water drops or tablets, expire and actually become unsafe for use past their expiration, so some sort of filter is probably best if boiling isn't an option. 

    For blankets in the car, you can actually use "real ones" but those are so bulky, which can be a problem in smaller vehicles. So  you can buy those emergency Mylar ones on Amazon fairly cheap. Just remember to insulate UNDERNEATH yourself. If you sit on a cold car seat or the cold ground, you will not stay warm. Another car idea is to have a collapsible shovel. You can buy pricey ones or just those military entrenching tools that fold down and go into something like 8"x8"2".

    We only store up foods we already eat and just rotate them out using a first in, first out inventory method. Someone mentioned those tuna packets...I think those are awesome. Super healthy, lots of good calories, and small!

    Having an emergency radio can be helpful too - one that can be charged in a variety of ways, like solar and hand-crank.

    I'm also a big fan of having a folding knife and/or a multi-tool in each vehicle and detailed street maps of the local area.

    DH and I have a list of items to take if we had to leave our home quickly a lot like what @hoffse mentioned previously. Our lists are two-fold. One is a very quick-grab if we had to leave basically immediately. The other is the list of items to get if we have a few hours. With the list, we don't have to stop and think, we can just go grab. We also have a list to do in the home like pulling blinds, turning off water, etc.. I think back to times I have been in emergencies and the LAST thing I want to do is to try and recall the basics when I'm already amped up. It's also why pilots have check-lists to go through for every emergency in the flight deck. If you can write a list when you are calm and able to evaluate everything, then you can rely on it rather than memory when the stress is up.




  • abrewer5 said:


    hoffse said:
    Well I think we can agree that a zombie apocalypse is unlikely!  But freak weather events do happen that knock out power for days or destroy entire communities or make it difficult to leave the house for an extended period of time.  

    Frankly, anybody who lives in the Southeast should be able to handle a full-on hurricane if you live on the coast or the after-effects of flooding if you don't (short of the monster floods like SC has had recently).  I don't know why anybody would buy a house in a valley around here because we get tropical storm-like rain multiple times per year, and the last thing you want is to be living in a basin that is collecting all of that storm water.

    Anybody who lives in the top 2/3 of the country should be able to handle a blizzard and shouldn't freeze to death if they are stuck in their vehicles overnight.  If you can afford it, having a wood-burning heat source in your house is smart too.

    I'm much less worried about terrorism because our military can be mobilized in minutes. H and I got a lot of comments before going to France because "aren't we afraid of the terrorists."  No, we aren't - the odds of us being involved in a terrorist attack are extremely low, and terrorism is fully man-made.  I'm not going to let the assholes win by being afraid of living my life.

    Weather, though.... the US gets at least one big weather event every year or two and sometimes all you can do is wait for it to pass.  It's predictable enough that people should prepare for it.  It can take FEMA a few days to get everything set up, and they really shouldn't be anybody's sole disaster plan.

    Yes! Thank you! That's all I mean when I say being "self-reliant."

    You wouldn't believe the number of commercial pilots (many are active or retired military) who prep. Many didn't go the military route to learn to fly, but even the civilian pilots do prep. I think it falls into their need to plan and estimate future events (both in the military and while flying). If they have the basics down and done, then they can focus on the tasks at hand to mitigate other situations that arise.

    Some PPs mentioned it above - if people have no desire to try and be as comfortable as possible and make an attempt to do "well" in an emergency, then by all means, go belly up. But, most people have some desire to help themselves and others too and all they need is a plan in place, knowledge and some basic supplies. LOL to Zombie Apocalypse...because that is clearly not what we're discussing here.

    It seems like the world's weather is getting crazier and crazier. Plus, there are increasing world-wide threats. Think about the scale to which the US was "frozen" after 9/11. The US government is thwarting terror plots all the time. All the time. But, according to some intel experts, they don't have the man power to focus on all the threats. So, that means there are loops in the security in which a terror plot could be a reality. There is a big difference between living and fear and having a healthy dose of reality based on facts. FACTS: weather is crazy and sometimes unpredictable. AND, a portion of the world's Muslim population hates the USA and the West and is set on killing.

    95% of the time I don't think about this stuff. But, 95% of the time I don't think about my life insurance, my e-fund, or my auto/home insurance. Why is THIS type of insurance acceptable to the "norm" but having a store of physical goods and resources, with plans in place, is considered "living in fear?" Under that line of thinking I should cancel all my policies and spend the e-fund and live day-to-day and pay-check, to pay-check.


     

    I totally get what you're saying and I agree that it's better to prepared. The zombie reference was more in a joking way (which is why I said not realistic or relatable)...

    I think for the most part we have time to prepare for natural disasters in our country. At least in my region we know when a hurricane or blizzard will hit and we'll likely be without power and need to stock up on candles, batteries, kerosene, food, etc. Generally I'm within walking distance of my house, work or someone I knows house at all times unless I'm on travel so as far as being stranded in a car goes I don't think that would last long. But I also think this is why we take our need to be prepared for granted because the majority of the time we know when it's coming, we may not always have that luxury so you're right we (as a country) should prepare better.

    I appreciate what you're saying. I think it is good to have this discussions. But, in reality, many/most people do not take the care to prepare for even disasters in their own areas/regions. My parents just moved to a town 20 minutes from us. I've mentioned it before, we're in MN. Mom basically laughed at me when I advised her to put water and food in their cars (oh, how I try). Most people get side-tracked with busy aspects of life and "think" it's a  great concept, but sadly it never amounts to any hard and fast action.

    This one of the many reasons I like TN. We can have real, honest convos about the realities of life, especially here on MM.

  • I hadn't thought about much of this before.  We don't live anywhere that gets natural disasters often, but I suppose anything is possible.  I did live through a blizzard and... all stores stayed open and life went on like normal.  We both have blankets and water in our cars, but I like the idea of a collapsable shovel. 

    I also think should have some water, canned food, and basic medical supplies in the house.  The suggestion I think we should do asap is having cash in the house.  
  • canned goods, water, camp stove & fuel canister and  a copy of insurance cards.   We keep  $1000 in cash to grab and go. The car always has a blanket,protein bars, first aid kit and safety flashers.
  • short+sassyshort+sassy member
    2500 Comments 500 Love Its Fourth Anniversary Name Dropper
    edited October 2015

    @hoffse, I'm so glad to hear Belmont University really went out of its way for students displaced by Katrina.  I know you all come to NOLA when you get a chance but, until these posts, I hadn't realized your H had his undergrad at Loyola.  I also didn't realize the two of you have been together since you were teenagers.  Pretty neat!

    Katrina and other natural disasters really show us the best and worst of our human sides.  I mean, the news reports focused on the ugly half, "Lord of the Flies" aspect of human nature...with the lootings and the chaos.  But my experience was there was a whole lot more kind and helpful people and organizations who outpoured their support in small and big ways.

    It's just not as sexy to focus on the Red Cross trucks giving out free hot meals.  The National Guard regularly driving around the neighborhoods giving out MREs.  Paul Prudhomme...god rest his soul, he died yesterday...cooking up like crazy for weeks after the storm to give out free food from his 4-star restaurant to whoever needed a hot meal.  And the GIANT uptick in freecycle ads and Craigs List free stuff postings, as local people who didn't flood...weeded out all the stuff in their home they didn't need to give it away to anyone who did.  A million stories of neighbors helping each other rebuild and supporting local stores.  This is the type of community and banding together that is seen after the disaster is over and the news crews have left.

    Okay, I promise, no more Katrina posts from me, lol.

    @MommyLiberty5013, thanks for including the helpful info about 1 gallon of water per person, per day.  That's why I keep a ridiculous 36 gallons in my storage shed during hurricane season.  It will hold the two of us over (plus our dog and cat) for two weeks.  There was a bad tropical storm a few years ago that knocked out the power in NOLA for one week.  No evacuation ordered, but without power for that long, there is always a boil water order issued.  It was much more convenient to have so much water stashed.

    And don't forget pets!  You need 1 gallon of water per person per day PLUS whatever amount of water your pets drink per day.

  • I just thought of one other thing to keep in the car if you live in a cold climate... kitty litter or salt.  I've "stranded" myself in the middle of Chicago once because my car was parked on a slab of ice, and I couldn't get it to go anywhere (it was RWD which I learned that first winter I had it, that RWD is a mistake in a cold climate).  Anyway, it would have been nice if I had salt or kitty litter to help gain some traction under the rear wheels.  
  • I just thought of one other thing to keep in the car if you live in a cold climate... kitty litter or salt.  I've "stranded" myself in the middle of Chicago once because my car was parked on a slab of ice, and I couldn't get it to go anywhere (it was RWD which I learned that first winter I had it, that RWD is a mistake in a cold climate).  Anyway, it would have been nice if I had salt or kitty litter to help gain some traction under the rear wheels.  
    HAHA, speaking of RWD, we live in an area with lots of graduate students, one of the houses up the street from me is a rental that is always occupied by a group of grad students. I woke-up in the middle of the night one night last winter to one of these grad-students attempting to back their RWD car all the way up the street, it took them 30 minutes to get one block up the hill, and probably half their gas tank. H and I just sat in our bedroom laughing as they kept trying to find different ways to get this car home. 
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  • I just thought of one other thing to keep in the car if you live in a cold climate... kitty litter or salt.  I've "stranded" myself in the middle of Chicago once because my car was parked on a slab of ice, and I couldn't get it to go anywhere (it was RWD which I learned that first winter I had it, that RWD is a mistake in a cold climate).  Anyway, it would have been nice if I had salt or kitty litter to help gain some traction under the rear wheels.  
    Ohhhh RWD in cold climates... such a terrible idea.  I remember my dad having a RWD company car for a short period when I was a child.  I also remember to a 360 across a four lane highway.  Luckily no one was hurt, but he got a new car after that.  
  • brij2006brij2006 member
    5000 Comments Fifth Anniversary 500 Love Its First Answer
    edited October 2015
    I just thought of one other thing to keep in the car if you live in a cold climate... kitty litter or salt.  I've "stranded" myself in the middle of Chicago once because my car was parked on a slab of ice, and I couldn't get it to go anywhere (it was RWD which I learned that first winter I had it, that RWD is a mistake in a cold climate).  Anyway, it would have been nice if I had salt or kitty litter to help gain some traction under the rear wheels.  
    Yes to the kitty litter.

    My H has a RWD car and drives country roads for 50 miles each way too and from work, every single day.  We live in Rural northern Illinois.  He drives that thing better in the snow than a FWD vehicle, and I'm the same way.  That's what we learned on, so we know how to react to it.  Put me in a FWD car, and I'm a mess.

    As far as stuff to pack in the car, we put the following in each of our cars at the end of October.
    - Small bag of kitty litter (large bag in H's RWD car for added weight)
    - 2 sets of hand and boot warmers
    - Extra pairs of socks
    - Extra pairs of gloves
    - 2 blankets (in case we're traveling together)
    - collapsible shovel
    - 2 hats
    - scarf
    - granola bars, nuts, freeze dried food
    - water and gatorade (we open and pour a tad out since it gets so cold that they usually freeze to fluctuating temps).
    - extra phone charger
    - flashlight and batteries

    My H was stranded in a diesel truck 2 miles from town during a blizzard that got to negative 40 degrees, and it snowed 20 inches.  His phone was going dead from trying to contact people to come get him, but even snow plows were removed from the roads.  The diesel truck had plenty of fuel, but started jelling up because of the cold.  Him and the other guy he was with had to ditch the truck and start walking.  He said it took them 45 minutes to make it the 300 feet to the nearest house (thank God there was a house nearby).  He slept on the living room floor of a complete stranger overnight, before the storm slowed and they could get back into town.

    He will never be stranded with nothing again.

    ETA: I just realized that I really need to revise my list now that we have a baby.  Need to make sure we have plenty in the car for her as well now.

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  • I was just thinking about this and discussing it with DH. He thought I was crazy to want to stock up on some water. Now that we have a baby I have been adamant about making sure we are responsible, thinking about her safety, and provide for her in any and all situations. That is really what a parent is for during times of stress/disaster/need or really all the time. We live in the northwest so our weather isn't horrible but every few years we get a whammy of a storm.

    I remember in 2006 I had to walk the 4.5 miles home in the snow from my job at Macy's. Luckily I was able to buy the last pair of "snow boots" in my size before my manager shut down the store. I had chosen to leave my car at work that night as I was not confident in my skills or others skills to keep my car in one piece and me safe. The buses stopped running and people were abandoning their cars everywhere. I lived with my brother at the time. The police weren't letting anyone with 4WD down his street at a certain point. He wasn't even allowed to come get me. There were many of us walking that night. Then we were without power for a week. He left to stay somewhere else but I still had to work. Luckily, his house had gas for water and stove. I was able to use his big Rottweiler, pepper, as a source of heat as well. I remember wrapping Christmas presents by firelight. Now I always wear athletic shoes and have a jacket/sweatshirt even in the summer.

    We need to stock up our car for winter, just in case one or all three of us gets stranded or has to walk to a safe place. Then we need to work on something for our apartment.

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  • I was just thinking about this and discussing it with DH. He thought I was crazy to want to stock up on some water. Now that we have a baby I have been adamant about making sure we are responsible, thinking about her safety, and provide for her in any and all situations. That is really what a parent is for during times of stress/disaster/need or really all the time. We live in the northwest so our weather isn't horrible but every few years we get a whammy of a storm.

    I remember in 2006 I had to walk the 4.5 miles home in the snow from my job at Macy's. Luckily I was able to buy the last pair of "snow boots" in my size before my manager shut down the store. I had chosen to leave my car at work that night as I was not confident in my skills or others skills to keep my car in one piece and me safe. The buses stopped running and people were abandoning their cars everywhere. I lived with my brother at the time. The police weren't letting anyone with 4WD down his street at a certain point. He wasn't even allowed to come get me. There were many of us walking that night. Then we were without power for a week. He left to stay somewhere else but I still had to work. Luckily, his house had gas for water and stove. I was able to use his big Rottweiler, pepper, as a source of heat as well. I remember wrapping Christmas presents by firelight. Now I always wear athletic shoes and have a jacket/sweatshirt even in the summer.

    We need to stock up our car for winter, just in case one or all three of us gets stranded or has to walk to a safe place. Then we need to work on something for our apartment.

    I feel like keeping extra water isn't all that crazy of an idea.  A few years ago on 4th of July, the closest town to us had a boil order issued on the water supply as they found Ecoli during some random testing, but gave very few details about who all was affected, and if it affected nearby other water districts, like ours.  Needless to say the stores in town all got sold out of water really quick.  We had plenty of bottled water left over from camping so we used that, and found out the next day it didn't affect our supply as we weren't on city water.  But, some people really ended up hard up as a certain part of town ended up without clean water for a week.  
  • My husband is what you call a "prepper" - just not an "extreme prepper"... 

    My bathroom and spare bedroom closets are stocked with gallon water jugs - easily over 30 but who is counting. 
    -he insists on keeping 2 gallon ziploc bags of ice in our freezer incase the power goes out - so the food in our freezer doesn't go bad as quick
    -we have a 5lb bag of rice in the closet, we are always stocked full with pasta and some canned goods - but thats not good enough for him and he says we need to refill our supply.
    -he has a fire starter and a water purrifier water bottle incase we need to get drinking water from the stream. 
    -And enough ammo for a small war - but you can never have enough ammo. I mean after all a good amount of 22 we will need to kill us some squirrel for food - or trade because at the end of the world 22 ammo will be worth more then gold. 
    -He has a 2 "bug out bags" -one large one for the house and a smaller one in the car. Both of which contain a change of clothes, socks,lots of powerbars, gloves, an emergency survival blanket, a medical kit, a fire starter kit, a few boxes of ammo and a few other things i cant remember. 
    -and a few large thick plastic sheeting and rolls of duct tape incase the power goes out for a few days, then we can insulate ourselves in the living room with the fire place. 

    i'm sure theres more but i can't remember. But just wait until we have the money... there will be lots more - a diesel generator is his big one. Diesel because at the end of the world - everyone will want gas. Just think of NJ after hurricane Sandy. My BIL had a diesel truck and never had a problem.

    Read "Lights Out" or "One Second After" and you'll be supporting all of this too. They are actually really good books. He's a little crazy but its still very smart and if/when we do ever need it - i'll be very glad he was ready. I don't think we will see the end of the world but as we've seen - any large natural disaster even can empty the grocery store for a week, leave you without power or running water, they'll start rationing gas, etc. 
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  • My husband is what you call a "prepper" - just not an "extreme prepper"... 

    My bathroom and spare bedroom closets are stocked with gallon water jugs - easily over 30 but who is counting. 
    -he insists on keeping 2 gallon ziploc bags of ice in our freezer incase the power goes out - so the food in our freezer doesn't go bad as quick
    -we have a 5lb bag of rice in the closet, we are always stocked full with pasta and some canned goods - but thats not good enough for him and he says we need to refill our supply.
    -he has a fire starter and a water purrifier water bottle incase we need to get drinking water from the stream. 
    -And enough ammo for a small war - but you can never have enough ammo. I mean after all a good amount of 22 we will need to kill us some squirrel for food - or trade because at the end of the world 22 ammo will be worth more then gold. 
    -He has a 2 "bug out bags" -one large one for the house and a smaller one in the car. Both of which contain a change of clothes, socks,lots of powerbars, gloves, an emergency survival blanket, a medical kit, a fire starter kit, a few boxes of ammo and a few other things i cant remember. 
    -and a few large thick plastic sheeting and rolls of duct tape incase the power goes out for a few days, then we can insulate ourselves in the living room with the fire place. 

    i'm sure theres more but i can't remember. But just wait until we have the money... there will be lots more - a diesel generator is his big one. Diesel because at the end of the world - everyone will want gas. Just think of NJ after hurricane Sandy. My BIL had a diesel truck and never had a problem.

    Read "Lights Out" or "One Second After" and you'll be supporting all of this too. They are actually really good books. He's a little crazy but its still very smart and if/when we do ever need it - i'll be very glad he was ready. I don't think we will see the end of the world but as we've seen - any large natural disaster even can empty the grocery store for a week, leave you without power or running water, they'll start rationing gas, etc. 

    That is absolutely true.  It doesn't necessarily have to be ice, just make sure the freezer is totally filled in the event of a long power outage.  We did this when our power ended up being out for a week.  Once the power was back on, our freezer was still the temperature of a refrigerator and we were able to keep most of the items.  We also did not open the freezer for that entire time.

    We have a diesel generator now.  It's good sized and was $600.  If you have a membership or know someone who does, Costco/Sam's are usually your best bet for a good quality but still low cost generator.  I live in a duplex and it will run both refrigerators and at least one A/C window unit per unit, plus small stuff like fans and radios.  Every year before hurr. season starts, my H fires it up to make sure it is working properly.  We safely dispose of all the diesel from the year before and go refill our containers with new diesel.  We keep (I think) 10 gallons of diesel on hand. 

  • I was just thinking about this and discussing it with DH. He thought I was crazy to want to stock up on some water. Now that we have a baby I have been adamant about making sure we are responsible, thinking about her safety, and provide for her in any and all situations. That is really what a parent is for during times of stress/disaster/need or really all the time. We live in the northwest so our weather isn't horrible but every few years we get a whammy of a storm.

    I remember in 2006 I had to walk the 4.5 miles home in the snow from my job at Macy's. Luckily I was able to buy the last pair of "snow boots" in my size before my manager shut down the store. I had chosen to leave my car at work that night as I was not confident in my skills or others skills to keep my car in one piece and me safe. The buses stopped running and people were abandoning their cars everywhere. I lived with my brother at the time. The police weren't letting anyone with 4WD down his street at a certain point. He wasn't even allowed to come get me. There were many of us walking that night. Then we were without power for a week. He left to stay somewhere else but I still had to work. Luckily, his house had gas for water and stove. I was able to use his big Rottweiler, pepper, as a source of heat as well. I remember wrapping Christmas presents by firelight. Now I always wear athletic shoes and have a jacket/sweatshirt even in the summer.

    We need to stock up our car for winter, just in case one or all three of us gets stranded or has to walk to a safe place. Then we need to work on something for our apartment.

    I feel like keeping extra water isn't all that crazy of an idea.  A few years ago on 4th of July, the closest town to us had a boil order issued on the water supply as they found Ecoli during some random testing, but gave very few details about who all was affected, and if it affected nearby other water districts, like ours.  Needless to say the stores in town all got sold out of water really quick.  We had plenty of bottled water left over from camping so we used that, and found out the next day it didn't affect our supply as we weren't on city water.  But, some people really ended up hard up as a certain part of town ended up without clean water for a week.  
    True. I good friend of mine who used to live in WV had extreme flooding in her area and public water became unsafe very quickly. It doesn't take much for water to be contaminated.
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