Over the past couple of decades there has been a disturbing trend that is becoming more and more visible. And that is families that are not able to prepare for a disaster. Its not because they do not want to, its because most people can not afford to purchase the basic essentials.

In the 1970s, 1980s and even into the 1990s most families could scrap by on one income. Starting in the 1990s - and the introduction of massive free trade - million of US jobs have been shipped overseas in favor of cheap labor. Unemployment has gone up, cost of housing, fuel and everything else has gone up. despite promises that free trade would drive prices down (that was a lie). So what can a family do?

Cut cost - stop going out to eat, stop buying designer brand name clothes, never use credit cards, never use credit at all, only buy what you can save your money and pay for with cash.
Debt is a lie and a trap - Companies tell you that you need to stay in debt and that you have to have good credit.  Good credit I believe in, debt is a slow killer.  There is no need in paying interest on your own money.  If you want something, never use a credit card.  Put a little money back every pay period, save up the money and pay cash for what ever you want.

Credit cards are a trap - Paying 20% interest on something you could have saved up for is crazy.  Never use a credit card unless you have to.

Do not buy brand name designer products - You will pay more for brand name products.  Instead, buy the store brand or generic.

Do not try to keep up with the neighbors - if the neighbors want to run their family into debt, let them. But do not try to keep up with them. Just because your neighbor was dumb enough to buy a new SUV that gets 15 miles to the gallon, does not mean that you have to.

Insurance - Make sure that you have the proper insurance coverage to be able to rebuild.  When your 60 years old, you do not want to be starting over after a flood - and you did not have flood insurance.  Decades of hard work destroyed in a matter of minutes.

Have something to fall back on.  and having proper insurance is the best way to go.

The not keeping up with the neighbors is where a lot of people have problems. When one of the kids has a new expensive video game, well, the other kids want it. Or when one set of parents buys their teenagers a new car, then the other kids want a new car.

Its NOT worth driving your family into financial ruin to keep buying products just to keep up with the neighbors or to make the kids happy. If anything, tell the kids to start their own business and earn some money. Do not tell the kids to "get a job" - because that teaches them a slave mentality. Teach your kids at an early age the vale of a dollar and how to do stuff that other people will pay for.

Grow your own food - food is a disposable product, and disposable products are a waste of money. Learn how to garden, plant your own food and start saving money.

Having a garden also teaches the children how to be self sufficient and productive. Most people will go through life and never "produce" anything. They go to their office, print out their reports, feed the printer paper, drink from a water bottle they throw away, fill their SUVs up with gas, they consume their entire lives, but never produce anything.

Consumption is a waste of money. Production saves or makes money. The more you "produce" the more money you can make or save off your bills.

Change the way you vote - if you want real change in the American Government, you have to change the way you vote. The two major parties have to be removed from power, and the only way to do this is through your vote.

Instead of voting democrat or republican vote for one of these other major parties.

Libertarian Party - This party stands for smaller government, lower taxes and more freedom to the people.

Constitution Party - The Seven Principles of the Constitution Party are: (from the Constitution Party website).

1. Life: For all human beings, from conception to natural death;
2. Liberty: Freedom of conscience and actions for the self-governed individual;
3. Family: One husband and one wife with their children as divinely instituted;
4. Property: Each individual's right to own and steward personal property without government burden;
5. Constitution: and Bill of Rights interpreted according to the actual intent of the Founding Fathers;
6. States' Rights: Everything not specifically delegated by the Constitution to the federal government, nor prohibited by the Constitution to the states, is reserved to the states or to the people;
7. American Sovereignty: American government committed to the protection of the borders, trade, and common defense of Americans, and not entangled in foreign alliances.

One of the reasons why this nation is in the shape its in, is because of people continuing to vote for the 2 major parties.

As it stands right now - the United States of America, and the people therein are poorly preparded for a worldwide disaster.  Part of this is by our own hand.  When you give your job to your neighbor, how will you pay your bills?  If there is a flood, fire, or anything else, and you have no job - how will you rebuild?  You wont.  You will be standing there with your hand out asking for help.

If you are just barely getting by - pay check to pay check - then its time to change some thing in your lifestyle.  Live a frugal lifestyle and vote different.  Both will pay off in the long run.