Are You Ready for Disaster?


You can prepare for tough times by learning several strategies that make you ready for emergencies.

Each week, I have a financial advice column called “Ask Chuck” at the Christian Post, and I was intrigued recently when a reader asked me about how best to prepare for disasters.

Talk radio hosts have joked that the lobbyists for cows and chickens have conditioned us to run for eggs and milk at the first sign of a snowflake, but a grocery store run can’t fix everything.

In Genesis 41, you can read about how God gave Joseph the interpretation for a dream that was troubling Pharaoh, the ruler of Egypt. The dream foretold of a 7-year famine that was going to follow seven years of prosperity. Joseph advised that 20 percent of the country’s resources should be saved during the good years for tough times. That’s still good advice. In fact, I wrote a book about preparing to survive and even thrive in a difficult economy, called The S.A.L.T. Plan, to provide concrete tools based on Biblical truths.

The S.A.L.T. Plan provides Biblical insight for walking through strategies to be ready for emergencies.

First, save and eliminate all consumer debt, applying half of surplus income to debt and half toward a savings fund. One of the best ways to be ready for hard times is to have resources saved in advance.

Second, prepare for unemployment as well as stormy weather. A wise saver has 18 months living expenses or 140% of current income in the bank.

Still, the most important preparation any of us can make is to be prepared to meet the Lord.  When the weatherman says a storm is coming, people get ready, but when we read in the Bible that Jesus is coming, they ignore it.

As Psalm 18:32, “It is God who arms me with strength and keeps my way secure.”


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