Survival Prepping on a Budget

Survival Prepping on a Budget? Preparation is always the key to surviving whatever life throws at you. Some people try to be prepared for short term situations because they usually think that life will go back to normal quickly. 

Survival Prepping on a Budget article cover image of a woman doing finances

If you’re prepared to rough it without electricity or being able to run down to the store to buy food for only a day or two, you’re probably woefully unprepared. If you’re like most people, you don’t have a lot of money to spend on things that you don’t need to use right now. 

Survival Prepping on a Budget

That’s why it can be all too easy to push survival preparations to the back-burner. But you can take care of your survival needs even if you’re on a budget. You have to do it piecemeal and follow through with your plans.

Make a Plan So You Don’t Buy Haphazardly

Not being familiar with how survival prepping should be handled can lead you to make mistakes with the items you should have on hand for you and your family. 

If you think that prepping means making sure you have enough supplies to make it in the event of a crisis that disrupts the ordinary way of life, you’d be right. But that doesn’t mean that you run out to the huge food storage warehouse and start throwing cans of tuna in the cart. 

Not knowing for sure what you need to get is a fast way to end up short on supplies, not to mention it’s a way to waste the money you have. Having a successful survival method means that you have to plan it. 

You can’t run to the store and haphazardly buy whatever looks like it’ll keep for a while. It would help if you had a checklist of what you should get. This checklist should always start with the items that you must have first. 

Not every item for prepping is needed right away. You always want to start with the most important things first. These will be items that your survival will depend on. 

Usually, what this means is that you plan to buy the basics. It would be best if you started with basic food and water supply since you can’t survive without either of these for very long. 

If that makes you nervous, remember that you can start the short term with the plan to build toward a long-term supply. So your first step would be to aim to stock up a three-day supply of food and water. 

You’ll need to do this for every member of your family – including your pets. For your water supply, you’ll want to look for ones labeled emergency water pouches or survival water pouches. 

These come in packets for easy storage, and you can get them in a three-day supply. That’s your first goal. Keep your plan focused on setting aside supplies for 72 hours, then move on from there. 

Once you have your water supply set aside, then you’ll want to move to your food supply. Just like with the water, you’ll want to make sure that you have a three-day supply of food on hand. 

Figure this for each person. What you’ll want to look for are the emergency food bars that offer around 400 calories a bar and come in different food flavors. 

Be Picky About What You Splurge On

When planning for your survival, it can be easy to get caught up in what you think you have to have. This can lead to unnecessary splurging, which will then eat into the money you have to spend on what you need.  Survival Prepping on a Budget is all about being concerned about how you spend that precious money.

As you start to prepare, you’ll find that you’re faced with many different choices on what you need. Some of these items will be worth you spending more money on, but some of the things aren’t. 

If you’re faced with a situation and need to get out of your house, you’re going to need a way to carry a 3 day supply of food and water. You should have these items already set aside and waiting for you to grab and go. 

These are often referred to as bug out bags or BOBs. These bags should be made of durable material and should be strong and should be water-resistant. 


Buying cheap bug-out bags has the potential to ruin your supplies – so in this case, it’s a good idea to splurge on a good bag. What you want to look for are bags that have good load-bearing ability. 

You’re also going to want to make sure that you have a good dependable communication system. This system could be your only link to knowing what’s going on, and it can be invaluable for helping you to be able to reach your loved ones. 

What you’ll want to splurge on are communication devices such as ham radio or world band radio. You might also want to consider a short-wave radio. Splurge on a decent antenna and a solar charging system. 

What you don’t want to splurge on are items that have many features, can’t be carried along if you need to get out fast, or don’t have a lot of bang for the buck. For example, you’ll need a camp stove. 

You’ll want to splurge on a good one, but you don’t have to get one that has a ton of extras. A camp stove for $20 works just as well as the ones you can find for almost $100. 

When it comes to your eating supplies, you do want to splurge on heirloom seeds. This will be the foundation of your survival once you have your short-term supplies in place. 

This is what you’ll use to create your long-term survival garden as well as keep you and your family fed for the future. 

Buying in Bulk to Cut Costs

It makes sense when you’re buying the way you usually buy your supplies to buy what you need until you can replenish your supplies. But buying supplies for survival prepping works better when you buy them in bulk. Survival Prepping on a Budget means getting more, for less, every time you can.

Retail stores and online stores will always offer a better deal on supplies when purchasing more of them. You can quickly pay around $15 for a month’s supply of emergency survival food bars – but if you buy them in bulk, you can often get a deal where you only pay $60 for a six-month supply, so you end up saving $30. 

The best areas to look for savings on bulk items are going to be in all your basics. You can save money by buying your water in bulk. You’ll save if you do the same for your food or seed supply, too. 

It’s cheaper to buy sees for a year than it is for a few months. Since you’ll need these items anyway, it makes sense to buy them in larger quantities. If you know you want to buy a bulk item, set aside a little money at a time for a larger purchase. 

Also, watch for sales where you can buy items in bulk. Many stores will offer double coupons or bulk purchase deals on things you’ll need. Follow the lead of couponers who do strictly to save money. 

You’ll need a checklist when you’re buying in bulk, not to forget how much of each item you have. Staples are where you’ll begin. Start by purchasing bulk packages of rice. 

You’ll often find these in 50-pound bags. Make sure that you buy your sugar in bulk, too. You can find these in 25-pound bags, and often, they’ll be plastic wrapped together, enabling you to buy them in twin packs or more. 

Get your flour in bulk as well, but make sure before you buy that you have proper storage containers in place to prevent pests from getting into your food items. 

Buying coffee and tea in bulk will also cut your costs. Create a store of powdered milk as well. Stock up on different types of beans, too. Buy your canned goods by the case. 

Survival Prepping on a Budget pink piggy bank

You can find these in 12 to 24 can packs. Any food that you normally eat that comes in a can you’ll want to stock up on. These canned foods are often useful for many years from the date when you purchase them. 

What you’ll want to do is keep an eye on the expiration date and rotate them into your normal meal planning if you have to. Then replace your stock with a new batch that has a later expiration date. 

Besides making sure that you buy water and food in bulk, you’ll want to get your hygiene items this way as well. Stock up on supplies like shampoo and soap, razors, toilet paper, feminine products, diapers, deodorant, toothpaste, and lotion for dry skin. 

Stock up on detergent and bleach – especially bleach – because it can be used to disinfect. Getting your medical supplies in bulk will save you money, too. You’ll need to create a store of bandages, gauze, medical tape, disposable gloves, compress, thermometer, antibiotic ointments.

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Make sure to add a first aid kit, wraps, medication to treat sickness or injuries, tweezers, eye drops, sunburn cream, insect bite, and poison ivy treatments. 

Adding to Your Arsenal of Supplies a Little at a Time

Indeed, we often have an all-or-nothing mentality. When it comes to making sure our needs or the needs of our loved ones are met, we want to go all out. With survival prepping, being fully prepared can be expensive. 

But fortunately, you don’t have to buy every one of the supplies that you’ll eventually need all at once. Buying what you would need to survive for the first 72 hours is a good start, and you don’t even have to buy all that at once. 

You can start by focusing your spending power on getting enough water and food for everyone in your household for one day. Then stock for the second day and so on. 

Once you’ve reached your store of three days’ worth of supplies, then you can start adding to your arsenal – hoarding enough for a week, a month, three months, and finally, a year and more.

As you start your supply, look at it like you’re going grocery shopping and get the items you would typically buy at the store but buy them in bulk. If you don’t have a food warehouse membership, that’s not a problem; you can buy what you need online. 

And you don’t have to stick with one supply at a time, such as buying several bags of 25 pounds of rice until you have a reserve. You want to concentrate on getting some of each category of the supplies and then rotate back through it again.

So you would buy your staples one week, making sure you get a large bag of rice. The next week, you would buy the flour, then after that the sugar, and within weeks, you would have your staples knocked off your list. 

That’s the way that you would handle every category. It’s probably wiser to buy your hygiene items while you’re buying your staples because you’ll need those things. 

When you write your list of supplies, put a heading for each area you’ll need to cover for your survival. After food and water, you should have areas marked as tools, shelter, communication, purification, heat, and so on. 

Under the heading of tools, you’d want to start stocking up on items like knives, self-defense weapons, multi-tools, axes, binoculars, shovels, and paracords flashlights, fishing gear, fire starter, manual can opener, cast iron pan, and more. 

For shelter, you would want to make sure you have a supply of Mylar emergency thermal blankets, sleeping bags, a good tarp, and tents. Weather gear can go into that category as well. 

These would be items like a poncho, rain boots, etc. Purification methods are needed because if you find water, you can use that if needed. Some of the methods used are filters or water purification tablets. 

Buying at Certain Times to Save You Money When Survival Prepping on a Budget

It’s a well-known fact that when a crisis is raging, there’s often panic among the masses. One of these reasons is that the media will often excite situations to drive up the ratings. 

This works because it whips people into a frenzy, and they make a run on supplies. You’ve probably seen empty grocery store shelves during times of uncertain weather. 

When this is going on, it will often create a state where the demand will exceed the supply, which only fuels more panic. What retailers do in response to this panic is they will jack up the prices. 

While it’s wrong of them to feed on people’s fears, it’s simply what they do, and it’s been done time and time again everywhere. So while you want to make sure that you get all the supplies you need to have your survival preparation supplies on hand, you want to be careful as far as the timing goes. 

By paying attention to specific times and what’s going on in the world around you, you can save money. When the news is all about doom, gloom, and panic, you shouldn’t buy any of your prepper supplies. 

You’ll only end up being overcharged. The time to purchase supplies for your survival prepping is when life is business as usual. This way, you won’t pay more than you should. 

However, there’s also another time that you should buy your necessary supplies, and that’s during times when there are sales. Throughout the years, various retailers will hold sales. 

You’ll see sales on holidays like Black Friday, Cyber Monday, and other days. Watch for the supplies you need to go on sale then, especially if they’re the more expensive items. 

Pay attention to in-store sales, discount sales, and bulk buying sales. You can usually find something on sale in every one of the categories on your list. Keep it handy (and updated) and carry it with you at all times just in case. You will find that Survival Prepping on a Budget is easier than you originally thought.

Survival and prepping is something every household should be doing, regardless of their level of income. Dire situations don’t discriminate when it comes to wreaking havoc on society, and you want to be just as ready as your neighbors (if not more so) when anything causes you to go into a bug-out mode. 

No amount of prepping is too small. If all you can buy is an extra 3-pound bag of rice, then do it. A couple of cans of soup here and there is also a start. Don’t wait until you have plenty of extra money to buy everything all at once. 

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A List of Home Based Businesses to Support Your Loved Ones

If the world becomes infected with an airborne illness or highly contagious disease such as Ebola, you may find that it’s impossible to do many of the things you would normally do for work. A List of Home Based Businesses might be just the thing you need!

Start Building a Work at Home Business to Support Your Loved Ones

It may be too hazardous actually to travel to an office, and you may find that you need to look for alternatives to work at home. Working online can be a simple way for you to earn a basic income when you’re not able to keep your usual routine. That is why I have A List of Home Based Businesses for you.

If you have a good computer and Internet connection, there are many things you can do to create some income while you’re waiting for life to return to normal. The easiest way to make money online quickly is to provide a service.

So start creating a list of any type of service that you can provide to other people through online methods. You may need to have multiple streams of income to meet your needs while working at home.

A List of Home Based Businesses to consider when it comes to working online include:

Writing – Many people need writers who can create articles and web content for their online businesses. You can work with people all over the world without ever having to leave your home and provide a service that is in demand.

Taking Orders

Many companies hire people to take orders through online services and the phone. Just about any business that needs to take orders can utilize people who work from home to do it.

Graphics and Design

Many businesses need people who can create graphics and design web pages. All of this work can be done from home using websites such as Elance, ODesk, or Fiverr to reach out to new clients. It really isn’t that hard to even start a digital Etsy store! How I Made $200 a Day From my Couch talks more about what I learned and put to the test.

Affiliate Marketing

You can create blogs and websites that help to promote other people’s products. In return, you can receive a commission for any product purchased through your personal link.

Just about every retailer has an affiliate program online that allows you to earn money for reviewing products and making recommendations. Recommend things you use at home!

Hidden Talents

It can help to think about what it is you can do that not many other people can. There are all kinds of opportunities online for you to share your talents.

For example, if you’re skilled at something such as building, sewing, or cooking, you can make money teaching others how to do it – or creating things to ship out from home, too!

Creating an income stream from online work can help you get through difficult times when it’s impossible to get to work outside of your home. But you’ll want to begin as soon as possible so that you have time to build your business before you need to depend on it 100%.

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How to Grow Your Emergency Fund According to Dave Ramsey

It may seem like a daunting task, to grow your emergency fund but Dave Ramsey’s methods take the confusion out of it all. There are a few different ways to add money to your emergency fund without stressing and making sure all other bills are paid.

How to Grow Your Emergency Fund According to Dave Ramsey

Simple ways to grow your emergency fund according to Dave Ramsey:

If there is even the smallest spot in the budget you can slim down. Cut out the gym memberships you may not be using now that the weather has changed. This will help you add a little extra money to your growing emergency fund.

Make simple cuts in your budget

5 Painless Ways to Cut Household Expenses

When we talk about painless ways to cut household expenses, the first piece of advice that always gets thrown out is “stop drinking $5 coffees every day”. Well, if you’re anything like me, you were never drinking $5 coffees every day anyway! $5 is a lot of money and it adds up fast.

Cutting household expenses and adjusting to a new budget doesn’t have to be too uncomfortable. Let’s talk about easy ways to make some simple financial changes for long-term success.

Conduct an audit.

The first step in saving money is to figure out what’s coming in, what’s going out, and most importantly, where it’s all going. Print off your bank statements for the past 3 to 6 months. If you’ve already made some recent changes, 3 months of bank statements will do. If you really want to dig in and figure out where your money has been running off to, print the full 6 months.

Grab a few highlighters and go through your bank statements line by line. Set it up however you want, but for example, you can use pink for income, yellow for necessary expenses, and green for unnecessary expenses or items to cut out.

Next, go through all of the unnecessary expenses and figure out which ones will be the least painful to cut. Make a list of which expenses we will cut first, second, third, and so on.

You can do this in phases so it’s not a huge change all at once. If you have big leaks in your budget and are drowning in debt, you should take this process more seriously and cut expenses as much as possible right away.

e found a great book to help keep this all straight: Busy Family Bill Organizer.

Grow Your Emergency Fund: Patch the leaks.

Rather than quitting everything cold turkey and cutting out all of your expenses at once (which isn’t realistic in the long-term), make small changes to “patch the leaks”, so to speak. Any money that’s unaccounted for month to month is a leak. Any money that goes to fast food unnecessarily is a leak.

Some leaks you may not think about at first may include utilities, food, and entertainment expenses. This doesn’t mean you have to cut out entertainment completely, or that you have to switch to the off-brand for all of your food.

It just means you’re going to be aware of where every single penny of your income is going, so you can make sure it’s accounted for and being spent responsibly. Everyone should have an entertainment budget, and nobody should have to eat off-brand bread! 😉

Negotiate Utilities

Cable, internet, and cell phone bills can make up a large chunk of your monthly expenses if you’re not careful. If you use the internet for work, downgrading to a slower internet speed isn’t practical. However, you can easily cut the cable and get Netflix or Hulu if TV is a priority to you.

Call your cell phone company and negotiate a lower rate. Ask about military or veteran discounts, AARP discounts, etc. Any discount they may have, see if you can get it! Some companies even offer discounts for law enforcement, first responders, and teachers. If the discounts are there and you qualify, you might as well utilize them.

Grow Your Emergency Fund: Watch your food expenses.

Even if you aren’t eating fast food every day, grocery bills alone add up fast. Our grocery bill was drastically reduced once we started meal planning and using curbside pick-up services. Ordering your food online and picking it up outside the store may be one of the best money-saving inventions ever.

Using curbside pick-up means no more last-minute impulse purchases in the checkout line. It means no more Target runs that should have been $50 but were more like $200!

Reevaluate entertainment costs.

How much are you spending on entertainment each month? Whether it’s a Playstation subscription or video game or going to the movies or bowling, what’s your budget? If you don’t have one yet, now is the time to work on creating one.

Like I said earlier, entertainment is important. We don’t need to cut it off completely, but being aware of how much we are spending and making sure it relates to how much it enhances our life is a critical step to cutting household expenses.

One last thing to check, if you didn’t with your audit, is your recurring subscriptions via Paypal. Also check your Cash App, Zelle, or other payment methods you use. The idea is to track every single dollar that comes in and goes out. Once you start doing this one simple thing, the rest falls into place rather seamlessly!

Grow Your Emergency Fund: Sell something​

There can be a lot of stuff around your house that you no longer use. This is a great idea if you’re thinking of trying to downsize as well. Take an allotted amount of time to just check around your house, in the kids’ rooms, up in the attic; you’re sure to find something.

You can take some time to set up a few signs to do the marketing for you if you’re thinking of having a yard sale. Remember to make items your selling appealing to potential buyers; such as filling basketballs with air and simply cleaning the dust off any items.

This could be a great way to sell your things then you won’t have to list the items online to be sold. This would be the perfect time to sell things you no longer use or need to help pad your emergency fund.

Find additional income opportunities

Maybe you’re only working part-time or maybe you’re already working full-time. Getting another job will solely help your emergency fund if you choose to let it. It can be anywhere from a part-time job to only a few extra hours a week.

You can find a one-time additional income opportunity if you look. You can be a babysitter, dog walker or sitter if you love dogs, or a freelance writer, or maybe a graphic designer. Anything that draws your attention or something you’re already good at.

The beauty of all your hard work is that all the extra money you’re making is going towards your emergency fund. You can choose to become your own boss by joining a direct sell company you’re interested in.

If you choose to direct sell a lot of companies allow you to build a team, which could earn you even more money for your fund.

Grow Your Emergency Fund: Get another job

Getting another job is a great way to line the emergency fund as well as giving you something to do with your free time.

You can drive for companies like UberEats, or you can create your own streams of income online like hundreds of thousands of others do every day. No matter what your financial situation is, it can improve with planning and budgeting!

If you are wanting to grow your emergency fund then you’ll have to be willing to go the extra mile. Any of these ideas are a great way to get you where you’d like to be within your emergency fund.

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How to Prepare Your Family For a Financial Emergency

How to Prepare Your Family For a Financial Emergency? To prepare yourself for financial trouble, you need to have at least 3-6 months’ worth of expenses saved up.

How to Prepare Your Family For a Financial Emergency

When I say expenses, I mean your bare expenses. Take all of the luxuries out of your bills and you’ll know exactly how much money you need to survive each month.

How to Prepare Your Family For a Financial Emergency

How much do you have in the bank right now? No wait, don’t tell me. Instead, just look for yourself. Then ask yourself one question:

“What would happen to my family if all of my income sources went away?”

Do you have an answer? Is it a bad one? Is it a good one? Would your family be able to survive only on what’s in your bank accounts right now?

If you’re like most people, the answer is, unfortunately, “probably not.”

Why you need to save money

Preparing your family for a financial crisis is honestly the single most important prep that you can do. You can prep all you want for weather-related incidents, but in truth, if the weather is bad enough, all of your preps might not make a difference.

Failing to prep for a financial crisis though can literally tear your family apart at the seams though. Loss of income can cause loss of your home, kids going hungry, marital fights, and more.

So how do you protect yourself?

You save. It really is that simple.

What are your expenses?

Your basics are household costs, food, utilities, and any school costs that your kids have. Everything else should be considered a luxury and if you’re living with no income coming in, unable to be paid for.

These are the items that you pay extra to have in your life so if you don’t have extra money coming in, then doesn’t it make sense that you can’t have extra items in your budget?

Three to six months is the absolute minimum that you should have, but if you want to be really prudent about it, save a year’s worth of expenses. Loss of a job can sometimes be a very long situation and if you have a year of expenses in the bank, you’ll know 100% sure that you’re covered.

Building an emergency fund is critical for financial security and, more importantly, peace of mind. Many Americans admit to being kept up at night, losing focus at work, and even struggling with anxiety because of financial stressors at home. If you’re one of them, I hope I can help you find peace in building your emergency fund – even if you don’t have loads of extra money just sitting around.

Prepare Your Family For a Financial Emergency: Evaluate where you’re at.

3 Steps to Build Your Emergency Fund FAST

In the financial world, everyone talks about getting out of debt, buying a house, and building an emergency fund. Whether your emergency fund is a “baby” fund at $1,000 (the bare minimum), or looks more like $10,000, evaluating where you’re at and setting goals will help you achieve them much faster.

Prepare Your Family For a Financial Emergency: Evaluate where you’re at.

You can’t move forward unless you know where the starting line is. The baseline is where you’re at right now, with everything else being UP from here. Start with an evaluation, and be honest with yourself. If you’re spending way too much money on fast food or makeup, don’t beat yourself up over it – just fix it.

To do a thorough evaluation, check your bank account, Paypal, Cash App, etc. This includes prepaid debit cards or any other accounts you may stash and spend money from.

How’s your money situation? Is your income higher than your expenses? How much extra do you have each week, or each month? Write all these numbers down, as they’re equally important in figuring out where you’re at, and fixing the leaks. We’ll talk about that in a moment.

I like to print off my bank statements and go through everything line by line to see where my money is going. You can print 1, 3, 6, or even 12 months off at a time. It all depends on how in-depth you want this financial audit to be.

Check out these great books to read on how to change your financial situation:

The Simple Path to Wealth and Total Money Makeover by Dave Ramsey. They are both worth looking into.

Dave Ramsey’s Total Money Makeover Live! – 7 Baby Steps – this is a great video to watch!

Prepare Your Family For a Financial Emergency: Fix the leaks.

After I’ve printed off my bank statements, I go through and highlight necessary expenses in one color, and unnecessary expenses in another color. This is an easy way to see what’s going on at a glance. I like to call unnecessary expenses “leaks”. If you want your boat in tip-top shape, you must repair all the leaks!

How often did you purchase fast food? How expensive was your last date night? How many last-minute grocery trips did you take because you didn’t have a meal plan? How many times did you buy a soda or snacks from the gas station? How many coffee runs did you make?

Everyone has their own budget leaks, so take some time to sit down and figure out what yours are. While going through your bank statements, the leaks will usually become clear pretty quickly! Many of us have expenses each week, or even every few days, that we don’t consciously take into account when evaluating our financial situation. These are the most dangerous leaks, because we don’t even realize we have them!

Fixing the leaks is a must, no matter how much money you make – or how tiny the leaks may seem at first. If you add up all the “little” leaks over a 6 or 12 month period, you’re going to notice your boat is sinking much faster than you may have realized. Either way, the leaks need to be patched, right? Small or large, they’ll still cause problems.

You don’t have to go from 100 all the way down to 0 overnight. What I mean is, if you’re used to a coffee run every morning, you don’t have to quit cold turkey. Buy coffee to make at home and see how close you can get it to what you’re used to. Then, start cutting back.

You may realize you like the coffee you make at home even more than the stuff you get at the coffee shop. I know when I cut back on coffee runs, I loved that I could make it at home and choose my favorite brand of syrups. Plus, plant milk is an additional $.60 when I get it added to my coffee at Starbucks. At home, I can have a gallon of it and it’ll last forever! 🙂

Next, we will talk a little about adding income to your budget. Even if you make a large salary, you’ll need to fix the leaks to find extra money to build that emergency fund.

Prepare Your Family For a Financial Emergency: Fix the leaks.

Prepare Your Family For a Financial Emergency: Make more money.

Building an emergency fund comes down to a simple principle: more money in, less money out. If your income isn’t already covering your bills with some left over to add to your emergency fund, changes need to be made. The good news is, these changes aren’t painful. The bad news? You’re not going to build your emergency fund overnight.

There are hundreds of ways to make extra money to build your emergency fund faster. Whether you start a blog as a semi-passive long-term income stream, or you deliver for UberEats after your 9 to 5 job, the amount of extra income you can earn from a side hustle is endless.

Even if you can cut expenses, most likely you’ll still need more income. YouTube is a wealth of information, complete with full videos (all for free!) about how people just like you and me became millionaires because of their side hustles. While the millionaire life isn’t everyone’s goal, you can easily make an extra thousand dollars a month (or more!) with side hustles.

The next steps…

No matter how intense you are with fixing your financial leaks or making more money with a side hustle, your journey is your own and you shouldn’t feel bad about any setbacks.

Life happens, things get in the way, and paying off debt can be painstakingly slow. However, you’re on the right path and you CAN do this! Keep reminding yourself of that! Negative self-talk can set you back even more, so keep it positive.

As I said at the very beginning of this post, not preparing your family for financial stress and trouble is just asking for trouble. If you don’t feel as if you can save even 3 months’ expenses, that’s fine. Just try to do something. A little bit in the bank is better than nothing in the bank.

 Leave me a comment and let me know what your emergency fund plan is! I’d love to hear it.

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