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Finances Frugality

How to Plan for an Uncertain Future

Okay, folks. We’ve got some work to do. Sitting on the couch isn’t going to make things any better – it will only make you insane.

Best case scenario is we have another recession. We live through this, our friends and family live through this, but we have some financial challenges to deal with.

Worst case scenario is we lose some family and friends and end up facing a Depression that makes the Great Depression look like child’s play.

That’s what we’re facing. Either we square up and meet it head on, or we let it kick us in the private parts while we skulk off to cry.

Either way, we can’t escape this. The only direction we can go is through it, so it’s time to get to work.

That was the pep talk I gave myself when I felt myself becoming sad at our current situation. As skilled as I am at living on less, seeing the names of my friends in the obituary column really hit hard.

But do you remember that old TV show the A-Team? You younger folk might remember the movie based upon that old series. It was my favorite show when I was a kid. And my very favorite scenes were when Hannibal made a plan and the team prepared to take care of business.

I have personally chosen to look at this as a challenge. I’m not only a minimalist, I’m one of the foremost frugal living experts in the United States. If anyone knows how to live cheap, it’s me. That said, this is a completely different situation from any I’ve ever faced. Even during the Great Recession I was able to go out and get a job. It may not have been the fanciest job, but I could get a job.

This time I’m at the age where, if I go out and get a job, I could kill myself. Since I enjoy living too much for that, I intend to tough it out on as little as possible for the duration.

When creating a plan, you need to focus on immediate needs first. For us, that meant whipping up some face masks so that my daughter could be a bit safer at work and I could be safer should I need to leave the house.

I had a few problems with that need, however. Not only had it been close to a decade since I’d sewn anything, I’d eliminated almost all of my sewing supplies. On top of that, I had never sewn a mask in my life, so I didn’t know where to start since I was horribly out of practice.

I could have thrown up my hands and said it was impossible but I knew that it wasn’t. I had a needle and some thread; add some material and a bit of creativity and I knew I could handle it. I gave the kid my card and asked her to pick out some fabric and interfacing (non-woven interfacing increases the effectiveness according to several family members in the nursing community) while I sat my butt down and began watching mask-making tutorials on YouTube.

I took ideas from a number of different videos and went to work. I no longer had a dedicated set of fabric scissors, so I repurposed the kid’s rotary paper cutter for the cutting part. After scrounging a bit around the house I selected an old tee-shirt to sacrifice to the cause (elastic shortage in this area) and got to work.

As I stitched, the kid came into the kitchen hauling a 1970’s era sewing machine. Her dad had picked it up at a yard sale and gifted it to her several years ago. She’d never used it; did I think it would make the sewing faster?

About that time a friend called. She was at the same store that sold the fabric: did I need anything? I begged her for some sewing machine needles and oil. When those arrived, I cleaned that machine and used it to finish the first mask.

While I was at it I sewed several masks for myself and some friends. I want as many of my friends to make it through this as possible so it made sense. I’ve seen enough of my friends in the obituary column. I’ve kept myself busy at that project for these past few days.

Now that the immediate project is done, I’m making plans for my next project, which is ensuring that we have some fresh food if money gets really tight, supply lines break down, or inflation makes the prices go up. I’m not exactly fond of yard work so I’ve decided to plant what I can in repurposed containers and to establish a three sisters garden in my back yard. You don’t need to weed a three sisters garden, which makes it perfect for my personality. As an added bonus, it will remind me of my grandmother, who made me promise ages ago to never forget the Native American blood that flows through my veins. While I may have been too young to remember the tribe she told me our ancestors were from, I’ve kept that promise to the best of my ability. This little garden will give homage to my ancestors.

These are just little steps that I’ve taken, steps that have not only kept me busy but have allowed me to prepare for what’s coming. If anything comes to mind that might make the coming days easier, I jot it down in a notebook to consider once I complete my current projects.

This is something that all of us need to be doing. Take a serious look at your life and ask yourself what you can personally do to prepare for any hard times in your future. Try to look at this as a challenge: just what can you do to not only make things easier, but that will stretch your abilities a bit?

Instead of paying your bills blindly, examine them to see if there is any expense you can eliminate. Do you subscribe to several streaming services? Eliminate one. Can you reduce your phone, cable, or other utilities? Can you open a window and avoid using the air conditioner this summer, at least for a while? If you go to a laundromat, can you scrape together a bit of money and invest in a small washing machine? If not, have you ever tried washing your laundry in a bucket or a bathtub? If you’re not an essential worker and are stuck at home, why not give it a try? That will allow you to save money you would otherwise spend at a laundromat.

There are so many different ways to save money! Just look around your house for ideas. If you can’t come up with any, read one of my books on the subject. The less you spend, the better off you will be moving forward. The best time to prepare is before you need to; the next best time is now.

Think about it this way: you can either feel sorry for yourself or you can do something about your situation. The first option doesn’t help a damn bit, but the other one just might save your ass.

It’s up to you.

~#~

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I’ve written a lot of books sharing my odd view of life in hopes of helping others. My most notorious book is titled The Shoestring Girl: How I Live on Practically Nothing and You Can Too, but The Minimalist Cleaning Method is pretty popular as well. You can find them at the following places:

Amazon
Barnes and Noble
Apple iBooks
Smashwords (non-DRM)

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