How do I go about becoming independent Lots of us had little or no experience and financial education before we hit the trail either. Planning a bit will help make the transition smooth and fun. It's good you're getting a checking acct. Learn to track your spending as accurately as possible. Avoid bouncing checks!! It seriously hurts your credit rating, which you'll value when you're trying to buy cars, or even renting apts. Speaking of credit... I know it might seem early to start thinking of things like retirement, but I WISH someone had told me about the importance of saving early. Create a budget for yourself. If possible try to avoid getting hooked into a lot of unnecessary bills, like cable, cell phones, eating out... Take some time and look through the apt listings for the various areas where you live. Transportation can be a HUGE cost. Room mates can help defer some of the costs, but they can be a HUGE pain in the butt too, so only consider one if you really can't manage the costs solo.
Decked Out: Zombie Apocalypse Unless you’ve been hibernating in your underground bunker for the last few weeks, you’re well aware that the zombie apocalypse is upon us (just like the Mayans predicted). We’re no suckers, we know there are a few steps we’ve got to take before any Walkers coming strolling into our neck of the woods. Besides settling on the ideal blunt object, we’ve got to have our attire in order. 1. 34 Essential Items For Your Bug Out Bag Imagine the following scenario. You are awakened in the middle of the night by the jolt of a powerful earthquake. Your house is leveled, but thankfully you and your family are uninjured. However, the roads are impassable, your utilities have been cut off, and many of your neighbors were injured or killed in the earthquake. The only thing you have to survive is what you have on hand, and because you are a Frugal Dad reader, your bug out bag. Unfortunately, this was a very real scenario for the people of Haiti. What exactly is a bug out bag? A bug out bag is a collection of basic survival gear that might be required in a disaster scenario, natural or otherwise. The actual bag could be as simple as an extra frameless backpack or duffel bag, or as elaborate as a framed ALICE pack or similar framed backpack. What About Bugging In? In some cases, it might make sense to “bug in.” What goes in a bug out bag? A couple rations of food (I buy from MountainHouse.com).
Alpha Disaster Contingencies When Should I Become Financially Independent? Question: When Should I Become Financially Independent? Recently I have heard many questions about people wondering if it is okay to accept a little bit of extra money from their parents after they graduate from college. These are not generally the people still living with parents. Most of these people already have jobs, not great jobs, but decent jobs, but want to continue with a higher lifestyle or they may want to move to a more expensive place to live. It is an important question to ask yourself. Answer: Ideally you should become financially independent from your parents as soon as possible. If you are having difficulty covering your monthly expenses then you have a serious income or spending problem that you need to address. Many people also wonder about whether or not it is acceptable to accept the occasional help from your parents. You can prevent this from happening by establishing a good size emergency fund.
Z.E.R.O. - Zombie Apocalypse Kit OK, zombiologists, conspiracy theorists, slaves to sci-fi, and keepers of the Boy Scout motto, it's time to put your $24,000 where your mouth is. OpticsPlanet has assembled a stunning and formidable sprawl of zombie apocalypse survival tools into the Z.E.R.O. (Zombie Extermination, Research and Operations) Kit, and in so doing, crowned itself the indisputable overlord of the undead offensive. Equal parts, tactical, medical, scientific, defensive, and Yippee-ki-yay, mother fucker! When not actively kicking ass, zombie assailants can employ the Z.E.R.O.' Z.E.R.O Kits include [note that you might want to grab a cold beverage, seek out an ergonomic chair, and brace for WTF impact before continuing]: Browning Zombie Apocalypse KnifeSOG Tigershark Elite Tactical Knife Eberlestock G4 Operator Pack, Multicam G4MMOPMOD Professional Range Bag, Pull Out & BrassOPMOD Floating MSR Extreme Gun CaseCamelbak BFM Hydration Pack - 100 oz/3.0L MultiCam
Bug Out Bags – The Ultimate Resource Guide What’s a Bug Out Bag? Most people who have a basic understanding of survival and preparedness understand the need for a good Bug Out Bag. It’s probably one of the most talked about items on survival websites and is something that has become a bit of an iconic symbol for preppers and survivalists. If you haven’t heard of the term Bug Out Bag you may have heard someone refer to it as a; Go Bag, 72 Hour Bag, Get Home Bag, Get out of Dodge bag or some other variation. The basic idea behind a Bug Out Bag (BOB) is pretty simple. At its most basic, a BOB is a pre-packed bag filled with the gear and supplies you need to survive an emergency situation. What items do you really need in your Bug Out Bag? There really is no One Size Fits All Bug Out Bag solution. Starting with a good plan is really the only way to get started. What are the most likely disaster situations you will face? Once you’ve thought about the above considerations, you can then start to pack your bag. Hydration Considerations:
Are You Ready to Move Out? If you moved back in after you graduated from college or if you stayed at home while attending school, you may be anxious and ready to move out on your own. It can be frustrating to live at home with your parents when you are no longer a teenager. However, if you move out before you are in a position to support yourself, you may end up hurting your credit and setting yourself up to live at home again. Ask yourself these questions before you move out. 1. Before you move out you need to make sure that you can afford to live on your own. 2. It is also important to consider the amount of debt you currently have. 3. Before you move out you should have an emergency fund saved up and set aside. 4. When you move out you will need to have money saved for your first and last month’s rent, any deposit and rental application fee that you may have.