Sarah’s View: The First Steps to Debt-Free

Posted on August 2, 2013 by Trace Adams

by Sarah Adams -

Last year I wrote A Prepper’s Budget, about the budgeting philosophy that has helped us work toward being debt-free. That post, however, talked mostly about our ongoing budgeting strategies and did not really address how to get started.

While it depends on what your goals are, as Trace and I have talked about before on this blog, getting debt-free was our primary goal and certainly recommended by many in the prepping world. In order to be debt-free you must stop using the credit cards. You cannot be debt-free if you’re still digging the hole.

Step 1: Pay your monthly bills. Can you pay all of your monthly bills with your current income? In order to make any kind of dent into your debt, you have to be able to cover all your monthly expenses with your monthly income. If you are not in a position to pay all your bills each month you need to take a hard look at your lifestyle. What can be dropped? Do you need cable? Can you find a cheaper cell phone plan? What about income? Can you pick up extra hours? Once you can cover all your normal monthly expenses, without dipping into the credit card, you’re on your way.

Step 2: Create a financial emergency fund. This is Dave Ramsey’s Baby Step 1 – the $1,000 emergency fund. He recommends keeping this in cash, someone accessible — but not so accessible that you go to it when it’s not a true emergency. The idea is to set aside $1,000 to cover the unexpected; so that when the unexpected does happen you don’t have to use credit (and go deeper into debt). I know it isn’t always easy to save up to $1,000, especially if Step 1 was a challenge, but it’s so important to be prepared for those emergencies that will come so that you can continue down the path to debt-free.

Step 3: Debt snowball strategy. Again, we followed Dave Ramsey’s recommendation and paid off our debt using the concept of a “debt snowball”. The idea is that you pay any extra toward the debt with the smallest principal (don’t worry about the interest rates). Say the minimum payment is $50 a month and you add an extra $10 a month to that payment; once that bill is paid you now take that $60 and put it towards the debt with the next-smallest principal outstanding. This $60 is over and above the minimum payment for this debt. As you can see the payments you are making “snowball” quickly.

Step 4: Begin saving. Now that you have paid off, or at least paid down, your debt you can start saving. Once we had our debt paid off, we were able to save for and buy a truck last year with the money we had been using for our snowball. We have also worked to have at least one month’s expenses in savings. Trace and I are currently saving toward the new house, but after that we plan to save up to having the three to six months’ expenses in savings. The best part, by doing it this way, our old debt no longer needs to be included in the amount we need to save to cover our monthly expenses. We have less debt and, therefore, fewer expenses to worry about in an emergency.

We followed the above steps while doing a monthly zero-based budget as I described last year. The budget allowed us to see our expenses each month, in black and white, and helped us project when we could move from one step to the next.

Getting started can be incredibly overwhelming and money is a challenging topic to tackle, but it is so worth it. As a prepper, being debt-free is one of the best things you can do to prepare for any scenario – big, small, local or nation-wide.

Sarah’s View: What Happens With Your Body When You Die?

Posted on May 31, 2013 by Trace Adams

by Sarah Adams -

Death happens. Death happens to all of us, once you are born you will die. Being prepared means being prepared for all aspects of life, and that includes death. And preparing for death includes what happens after death. It’s not a fun topic, in fact it is rather uncomfortable, but having a plan for your body after death relieves your family of at least one decision during a difficult time. Because what happens to your body is definitely a decision they will be asked to make.

One of the things that makes us human is the respect we show for the body after death. For most (all?) of human history there have been rituals surrounding the care and processing of a body after death. These rituals are not universal, they vary with time and culture, but that there is a ritual is universal.

There are many many options available to us today – cremation, embalming, burial in a casket, entombing, donation. What you choose might depend on your religion or family or culture. Do you know how you’d like your body cared for after your death? Does your family know what your wishes are?

Now, since we’re preppers, we need to ask how many of those would be available or practical in a collapse situation?

A cremator generates temperatures between 1600-1800 degrees Fahrenheit. As far as I know, there’s no way to generate that kind of heat with easy to gather fuels. Modern embalming solutions include formaldehyde, methanol and other solvents. Not only would those materials be difficult to locate in a collapse situation, but people with the skills required to embalm without modern equipment and electricity are few and far between. Even burial is a challenge without modern excavation equipment — think about digging a deep enough hole by hand, now imagine doing it during a collapse. Many of the options we take for granted today would not be practical in a collapse situation.

So what options should we consider in a collapse? My suggestion would be to look at what native peoples indigenous to your region may have done. Their traditions were probably adapted to the locale. If you live near the coast an ocean burial may be an option. There are also the famous mounds of the Native Americans of the Mississippi River where bodies were “buried” in a mound of dirt instead of in a hole in the ground. Here in the Pacific Northwest it was common to practice “above ground burial” where a body was placed on a scaffold and left for the elements and animals.

I, personally, am a fan of some sort of exposure. In a pre-collapse world I’d like to be donated to the Body Farm; I would like my body to provide some use for science. In a post-collapse world, above ground burial or simple exposure in the forest works for me; my body is put to use, recycled into the circle of life.

The key, as always, is preparation. What do you want? Is it in writing? Does your family know?

Sarah’s View: Product Review: iTorch External Battery

Posted on March 16, 2013 by Trace Adams

The New Trent iTorch IMP52D is a portable, rechargeable, external lithium battery I use to recharge my cell phone (an iPhone). It is compatible with any device (i.e. phone, MP3 player, tablet) that uses a USB plug.

Currently I am travelling for work…again. There are many things on my ‘must pack’ list these days, but ever since Trace bought each of us an iTorch about a year ago, I don’t go anywhere without it. It stays in my purse and goes with me pretty much everywhere.

The iTorch is 3.5” x 1.5” x1”; not tiny, but certainly a reasonable size. There are four blue lights, one indicates the iTorch is charging a device, and the other three indicate the level of charge remaining. It also includes a built-in red laser pointer and an LED light; just in case you need a laser pointer or emergency flashlight (repetitive and redundant!). It comes in a handy drawstring bag with a cord to charge the iTorch itself. In order to charge our phones we had to supply the needed USB iPhone cord.

The iTorch is advertised as having 3.5x the normal iPhone charge. I honestly don’t know if this is true or not as I’ve never used the iTorch to its full capacity. Even when I’ve needed to recharge my phone multiple times before I could recharge the iTorch, I’ve never fully depleted the iTorch charge. For this trip in particular it’s been useful as a charger in the car because I totally forgot to bring a car charger for the rental car. It’s also been handy during the day as I’m in training sessions and I can charge my phone as needed without crawling all over the place looking for a wall plug.

Trace first heard about the iTorch from Steven Harris’ site: battery1234.com — which lists many useful devices, all of which Steven has thoroughly tested and personally recommends. We own many items on this list, it is our go-to list when we want to expand our back-up energy capabilities.

Recommendation

I highly recommend the iTorch, for travel, for the prepper, but also as a simply back-up charger. I can’t count the number of times it’s allowed me to charge up my phone after a day in someone else’s car, or in training, or at an airport.

It’s reasonably priced (about $40) and a compact, and durable, enough to carry in a purse or backpack on regular basis (weights 4.5 ounces). And we’re not the only ones who like it, it has an Amazon Customer Review rating of 4.11 starts (of 5) with over 900 reviews.

As Trace has said before: as a prepper–trying to be prepared in case of emergencies or disasters–communication is very important. Sure the cell network can go down, but if it’s up and available it’d suck if you couldn’t access it just because your phone’s battery is dead. This is a product that can help prevent that from happening.

Sarah’s View: Goats

Posted on February 16, 2013 by Trace Adams

As the possibility of our own property becomes more and more real Trace and I have been talking about what livestock we want. We already have Kate, our border collie, as well as the rabbits. We have talked about getting chickens shortly after we move. The other animals we’ve talked about are an additional dog, bees and goats.

GoatMilkProducts

I’ve been doing more research on goats. We look forward to having goats ‘browse’ on our property and help keep down weeds and other unwanted plants, however, our primary goal with goats is to use them for milk and other dairy products – we hope to learn to make our own yogurt and cheese. We would also like goats that are friendly, if we’re going to be milking them we want them to not dislike us! Plus, I think it makes sense to look for a breed known for higher fat milk; a higher fat content tends to result in creamier products (duh) and neither Trace nor I drink much milk so the higher fat content isn’t an issue there. Finally, while we want a good milk producer we don’t want to be overwhelmed by the amount of milk we get; we have no desire (at this time) to become a dairy.

To this end I wanted to determine how owning and raising goats works as well as figure out the best breed for our goals. As with most things there are a ton of resources on the web. And honestly, with goats I had start at the basics. What does it take to care for a goat? How do you get milk from a goat? What do you do with the babies? Because it finally gelled for me that in order to have a female producing milk she will have had to have a kid.

The first couple of sites I ran across talked about bottle-feeding the kids. This had me thinking second thoughts about goats all together. I have no desire to bottle-feed baby goats. After reading more I found a number of people who allow the babies to remain with their moms until their weaned and either don’t milk the does during this period or only milk once a day. Phew. I can handle that, especially since the kids are old enough to be sold around 8 weeks yet the does will produce milk for 10 months.

Once I was feeling good about having goats again, I started perusing the various breeds. There are about 7 to 8 well-known dairy goat breeds in addition to any mixes you might run across. They all have their pros and cons, but I have to say that I’m pretty hooked on the Nigerian Dwarf Goats. First, they’re cute, not that this should be a deciding factor, but it did make me more interested in reading about them. Second, they’re smaller than the other breeds. For me, at 5’3”, a smaller more manageable goat seems like a positive. Now, we may decide that the Nigerians are too small (between 16” and 23” usually) especially for Trace, but we’ll see. Third, they’re very friendly. And finally, their milk is between 6 – 10% fat (other breeds are in the 3 – 4% range).

We still have a few steps between now and getting goats, most glaringly actually closing on a homestead. But I’m definitely excited at the prospect of having goats and being able to produce our own cheese and yogurt. Can we do goat’s milk butter? Definitely more to learn.

If anyone has any thoughts or advice on goats, please let us know!

Sarah’s View: 1st Time Using a Pressure Canner

Posted on December 13, 2012 by Trace Adams

This weekend we used our pressure canner, for the first time, to can turkey meat and stock. We had bought two turkeys during the post-Thanksgiving sales, I cooked them, and Trace cut up the meat and used the carcasses to prepare a large pot of turkey stock.

Originally the intention had been for Trace and I to work on the project together, however he had a number of other things he needed to get done around the house and once I got started I just kept going. About three weeks ago we purchase a Mirro 16-Quart Aluminum Pressure Cooker Canner. Sunday morning we took it out of the box and started reading the directions.

The first step was to run the canner through a quick “cycle” without any jars so we could determine how high the heat on our stove needed to be to keep it at the appropriate pressure. This process went smoothly enough and, after the canner cooled back down, I felt ready to move on to the real thing. At the end of the summer we used the water bath canning method to can our salsa, so I was somewhat familiar with the next steps. I did consult a couple of sites to determine the best way to pack the turkey meat – loosely and with some water/stock – and then consulted both the canner manual and our So Easy To Preserve book to determine the pressure (10 psi for our elevation) and time for processing (75 min for the pint jars).

I was pleased to read that for pressure canning I did not need to sterilize the jars so I simply rinsed them, filled them with hot water, and set them in the canner to wait – this also allowed me to confirm how many jars would fit at one time. I started with the turkey meat, first pouring a bit of stock in the bottom of the jar and then packing in the meat. While our meat was cooked when we canned it, we read later that we didn’t need to cook it all the way, or could even can it raw. However we both felt that trying to cut it off the bone raw would have been more difficult and we had used some of the cooked turkey for meals and sandwiches before setting aside the rest for canning, so cooking it made sense for us. I probably could have packed the meat tighter than I did as it shrunk during processing, but as it was we canned 13 pints of meat.

Once I finished the meat I moved on to the stock. Trace wanted to keep the condensed stock in manageable quantities, so we did that in half-pints. We ended up with 16 half-pints of stock, as well as a quart jar we put in the refrigerator to use right away (we were out of half-pint jars and it didn’t really make sense to run the canner for one quart jar).

I have to say that the process turned out to be remarkably easy. Though a bit noisy with the steam escaping a couple of times each minute! I must give credit to Trace for having the meat and stock ready to go – the meat was cooked and chopped, the stock was boiled and strained. I’m looking forward to doing more canning. Of course, the true test will be when we open one of our jars and taste our home-canned turkey.

It’s refreshing to know that we now have the tools and knowledge to can our own foods. For us this means we can start storing more locally produced meat and vegetables. We will have more control over the source(s) of our food storage. This also allows us to rescue and preserve frozen meats in the case of a long term power outage (using a propane heater). As Trace would say, repetitive and redundant. Plus it was kind of fun!

Sarah’s View: What Are You Waiting For?

Posted on November 14, 2012 by Trace Adams

Please accept my apologies for this rant as I know, if you’re reading this, I’m likely preaching to the choir.

There are many articles out there about what the government officials, government entities, and utility companies could/should have done differently to prepare for Hurricane Sandy. I can’t name the number of times I’ve heard some member of the public exclaim how they keep waiting for help and are so frustrated that it hasn’t yet arrived. Now, I don’t mean to lessen the true needs of many, but I’m tired of the helplessness, the lack of personal responsibility and, yes, lack of preparation.

What made the government responsible for your well-being? Especially in a disaster like Sandy where there was warning days in advance. Yes, the government is responsible for those items that you pay for with your taxes – highways, bridges, schools, basic communications. However, they are NOT responsible for you having food, water, clothes, even a house. That is your responsibility.

A friend of mine, who’s been through hurricanes before, posted these recommendations on an online forum I belong to:

Make sure you have cash. ATM machines don’t work without power and when stores begin to open they will only be able to accept cash since power and phone lines might still be down.

Fill your freezer full of anything you can fill with water. I was able to turn my freezer into an old school “ice box” and kept my frozen foods frozen for 5 days without power. Probably not as tough given the temperatures in the area, but it was huge when we were dealing with 90+ temps after our hurricane. When I would get ready to defrost something frozen to eat, I would move it into the refrigerator and it would help to keep the refrigerator cool.

Make sure your vehicle is full of gas. Gas station pumps do not work without power.

Make sure you can charge your cell phone with your car. It was only during the hurricane that I realized we no longer own a phone that doesn’t need electricity to run.

This is incredibly reasonable and sound advice. It makes complete sense to stock up on water, food, cash, gas, and warm clothes when you know a disaster is approaching. But – why is this only sound advice when a known disaster is approaching, but in “normal” life doing these things is odd, weird or extreme?

Our family was fortunate, since we live in the Pacific Northwest and were not directly affected by Sandy; nor were any of our extended family or friends on the East Coast greatly impacted. In fact, we are won’t ever experience a hurricane. We are likely, however, to experience an earthquake. I’ve lived through two big-ish ones and countless smaller ones in the 25 years I’ve lived in Washington. There is no warning with an earthquake; no advanced radar or news reports letting us know what time it will “make landfall”. If we were caught in the “big one” it would almost be reasonable for us to expect the government to swoop in and help, after all we would have had no idea an earthquake was going to strike – how could we possibly have known to prepare?

Yet, we won’t be waiting for the government. We will be prepared. What are you waiting for?

Sarah’s View: Knitting

Posted on October 10, 2012 by Trace Adams

I started working on a number of knitting projects in the last few weeks and realized that, while I tend to knit for fun, it’s also a worthwhile prepping skill. I originally tried knitting in high school, but never quite got the hang of it. Periodically I would try again, but it wasn’t until a few years after college that I really got it, to the point where I could follow a pattern without someone nearby to assist. I’m pretty sure my first (and second and third) project was a scarf. Not a bad item in a disaster, it’s amazing what a difference keeping your neck warm can make!

My knitting tends to go in phases as I usually knit during my commute and it just isn’t comfortable to have a knitting project on my lap in the warmth of the summer. So, around October I start to think about knitting again. I find my unfinished projects, sitting since spring, look through my bag of yarn and get started again. This leads to many more unfinished or abandoned projects than completed items. For example, my most recently completed project is a baby blanket. The child the blanket was originally intended for is now three years old; I will need to find it a new home. Over the years I have attempted many projects and managed to complete a number of them. Some of my successful items include: hats, Christmas stockings, drawstring bags, more scarves, stuffed hippos (possibly my favorite project as I created the pattern myself) and fingerless gloves.

In some ways knitting is a great prepper skill and in others it’s probably not as useful. I would still be dependent on yarn as we don’t currently, nor are likely to, have a natural supply via an alpaca or sheep (not to mention the sheering, carding and spinning involved). I could, with a supply of yarn, probably create a blanket, at least one sock (since I’ve done Christmas stockings just never two matching socks), and I likely could manage a sweater. It is also requires no electricity, keeps fingers and mind occupied, which is useful when the power is out. As a (wife of a) prepper I should work on more useful projects, but at this point it is just nice to know that while most of my knitting is for fun/gifts these days, if necessary I could provide warmth and comfort for family and friends, even if they didn’t fit quite right.

Sarah’s View: Learning To Save Seeds

Posted on September 12, 2012 by Trace Adams

When we started gardening this year I hadn’t really thought much beyond learning more and what produce we could get out of it. But, as the season continued I started thinking about next year and, being cheap, I started wondering if I could save seeds from this year’s garden instead of buying more. Turning to my good friend Google, I started researching how to save seeds for our more unique garden items.

The first I looked for was Calendula. I’m not sure why I started there exactly, except that there weren’t many seeds in the seed packet. Not only that, but the Calendula seeds had looked really odd and I couldn’t come up with where on the plant they would be. It turns out, as the petals wilt the center is surrounded by seeds. Now, these seeds don’t look like any others you might have seen, or at least not like any I’d ever seen. But, once I knew where to look they were remarkably easy to harvest. Some had dried on the plant, others I dried in the house and then stored the dried seeds in a small plastic bag. (Plastic isn’t ideal, I’d prefer to use small envelopes so as to prevent moisture building, but the coin envelopes just seemed pricey – see, I’m cheap.)

Once I figured out how to harvest Calendula seeds I was excited to see what else I could save. I next looked into radishes and garbanzo beans. These are both rather easy – they have pods which form on the mature plant and the seeds inside the pods are dried and saved for planting. Granted, we didn’t plant radishes for eating (we planned on them flowering to attract pollinators) so all our plants flowered and then formed pods. If you were growing radishes to eat and still wanted to harvest seeds, you’d need to let a couple of plants flower so they form the pods.

Next, I started researching the herbs. These are a bit trickier as their flowers, and therefore seeds, tend to be significantly smaller and not easily harvested right off the plant. From what I’ve read, the best way is to clip a few of the flowering stems and put them in a paper bag (lunch bag size) and hang to dry. The paper bag helps with moisture control, keeps out light, and prevents seeds from being lost as they fall off the drying plant. I’m still on the drying stage with my herbs, so I’m not sure how successful it will be.

With any luck I can harvest seeds from most of my plants this year. I still plan to buy seeds for spring, but hopefully they will be more for back up as well as to increase the variety in our garden.

Sarah’s View: Rules vs Principles

Posted on August 8, 2012 by Trace Adams

Seattle recently passed a bag law, well actually a bag ban. This rule PROHIBITS stores from providing customers with single-use plastic bags. In addition, it REQUIRES stores to charge a minimum of $0.05 for paper bags (stores can’t choose to absorb the cost, they MUST pass it along). However, it wasn’t until I walked by The Gap Store today that I realized they would no longer be allowed to provide their signature (plastic) drawstring bags. It hadn’t occurred to me that the ban included clothing and retail stores. Yes, I know the law states retailers, but in the news we only heard about it affecting grocery stores. Now, suddenly, I find myself irritated and frustrated with the city and unlikely to do much shopping downtown.

I can understand and appreciate the motivation behind the law. But, what if the city had simply asked each retailer to put up a sign that said “We, along with the City of Seattle, support reducing waste. Please think about combining purchases into one bag or reusing the one we provide you. Here are some ideas: . . .”? Seattleites are already very good when it comes to recycling and reducing waste.

But, what about the tourists? Instead of leaving frustrated and without purchasing anything (because they don’t have a ‘reusable bag’ with them and, without a bag it’s difficult to get it back to their hotel), they would leave the store thinking “huh, what a great idea”.

I think something positive, that encourages individuals to act on a principle (in this case reducing waste), would go far in influencing their long-term behavior.

Rules vs Principles

The problem I see with rules is they must cover every detail. We’ve all experienced that feeling of being told something is not allowed, and suddenly that is all we want to do. A rule can be broken. A principle doesn’t break. A principle offers flexibility and choice; it provides the opportunity for a society to govern itself from a position of what works for them, at that time, in that situation.

When a rule is broken the perpetrator must be punished. But if the group operates by principles, there is room for consensus, for understanding, for situational consequences.

What on earth does this have to do with prepping?

In a collapse the law of the land will change. While some groups will try to continue to live by the rules of the pre-collapse society, I believe those that adapt and learn to live by principles will be much more successful. When forming a post-collapse community, principles such as Safety, Respect, and Autonomy will be more useful than trying to get a group to agree on a list of rules. For example, perhaps an individual wants to ban the wearing of orange clothing because it’s too bright and attracts attention. Instead of making a rule banning orange, the principle of Safety could come into play: there may be times when orange should not be worn (moving through an area at night) but there may be times when orange promotes safety (hunting in a group) .

Not only that, but by living within a system that promotes consequences for behavior as it relates to each situation, I honestly feel like people would be more likely to think through what they are doing. Instead of trying to break a rule to get what they want, they could collaborate with friends and neighbors to obtain it in a manner consistent with the group goals. Instead of “this rule is stupid for this situation, I’ll break it and see if anyone notices”, we would have, “I would like to get this done, I wonder what is the best way to make it happen”.

It’s unlikely we could ever live exclusively by principles, but consider starting with that goal; then adding rules only when absolutely necessary.

(Friday: What We Did This Week To Prep)

Sarah’s View: Happy 4th of July

Posted on July 4, 2012 by Trace Adams

Interesting Factoid: The colonies voted in support of independence on July 2^nd, John Adams thought that that day would become the national holiday. Instead we celebrate July 4^th, when the final wording of the document was approved. The document itself wasn’t signed until August 2^nd.

So much has changed since those fateful days in 1776. Our world is faster and smaller. There is very little that can’t be understood, or at least explored, with a mouse and a modem. Funny, even the word mouse to one of the Founding Fathers would have a very different meaning. I doubt they would recognize much of “America” today. We are, in many ways, an isolationist, thoughtless, and polarized society.

Jefferson participated in an annual pea contest – the neighborhood farmer who produced the first pea of the season won! He hosted regular dinners for his neighbors; today we barely know our neighbors well enough to nod and smile as they drive by. Adams grew his own food and celebrated the manure on his farm as being better than that which he found in London. Most modern Americans rely on the grocery store for their food and, if they grow anything pour petroleum fertilizers on top to “help” them grow. Adams and Jefferson are also remembered for their correspondence. Not only did they write “real” letters, but they explored ideas; they conversed in person and in writing about everything – politics, history, books, gardening, philosophy, and more. Quite often they disagreed, however, they were part of a generation who understood civil discourse. Today we frequently have arguments, if we converse at all. There is very little true conversation going on in our country today. Everything now becomes a dichotomy; you either agree with me or you’re against me, there is no middle ground in which to explore alternative ideas.

As I look back over the last 10 months of blogging, and 20 months of prepping, I like to think that what Trace and I are doing is bringing a bit of the Founding Fathers’ ideals back into our world. I’m not talking about politics. I’m talking about understanding and appreciating where our food comes from, and the amount of energy it takes to grow one tomato plant. I’m talking about the ability to converse with, and even appreciate, people who disagree with us. I’m talking about the value of slowing our world down just a bit and being conscious of life, of our world, and of our impact on it.

As we celebrate a milestone in the lives of our Founding Fathers, find a moment to take stock, appreciate the good, and recognize what can be improved. And, if you’re lucky, see if there’s anything ripe in the garden that you can have with dinner.

Have a safe and happy 4th!