Tuesday, January 19, 2016

frantic preps 2 of 3


FRANTIC PREPS 2

When you absolutely positively have to be prepared yesterday, for whatever reason be it Obammy being retarded with nuclear brinkmanship or Wall Street Too Big To Not Get A Bailout banks being stupid with derivatives or Saudi Arabia Royal Family being moronic with foreign policy and using 10% of the globes oil as a poker chip,  you don’t have any time to dick around.  We just talked about going cheap and bare bones to minimize the money needed and now it is time to talk about how to get money.  I’ve been exactly where you are now, working abject poor.  I didn’t always have any funds gifted to me by the wife, or the means to prep after I started paying the Ex-Wife Tax.  I didn’t always have a paid off piece of property with self-built hovel.  I had no food in the cupboard past til next paydays shopping ( and the only storage food a few buckets of wheat ).  I had to stuff the premises with roommates to minimize rent and had no car ( although still making the car payments for the ex ).  And I owned nothing to pawn or sell ( only having one firearm at the time ).  But I still came up with extra money.  Not by earning more but by spending less.  And at times using the credit card.  Almost nobody is unable to raise money-even the homeless illegally sell some of their Food Stamps.

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Because the money you need is so low, you don’t have to do anything rash or stupid ( this is for In Place Prepping.  If you want to escape the city AND prep, read my book-again, no charge if you find it on my blog where it is posted prior to book publishing, the book for those that can afford to support me- “Six Months To Escape & Prep” ).  No theft, no getting into debt at a dangerous level, no working a part time job past a month or two, no need to sell too expensive of possessions.  The guideline is, you only do what will hurt like the dickens, not what will come back to bite you on the ass.  Writing a bad check is stupid, but perhaps you can get away with sending half the electric bill ( if, for instance, one of those three instead of two paycheck months is coming up ).  Or, you stop buying meat and deplete the freezer stash.  If the savings goes to wheat, it is worth the small risk you won’t be able to slowly restock it.  Check places that loan to you at usurious rates is a dangerous play, unless it is a car title place and then you can use a clunker for prepping cash.  Worse case, you learn to live without a car.  Pawn shops are also dangerous, and niggardly, but if you can’t sell your electronics it might be your only play at liquidating some of your boy toys. 

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I hate debt, and no longer use credit for ANYTHING ( I don’t even own a card as they are not worth the risk of a moments weakness.  I won’t get into cell phone contracts or anything similar.  But I’ve declared bankruptcy twice as credit is almost like cocaine with me.  Total abstinence is the only thing that works for me personally.  Land payments were okay, as I could walk away at will, and did several times, forfeiting what was already paid ), but not all of you are like me.  If you can use credit responsibly, then consider a small debt.   A grand in debt is a relatively smart bet.  Fairly easy to pay off and most likely not worth going after seriously if you default ( and note, I’m not suggesting MORE debt unless you have so much a little more can’t hurt ). 

More Next Article

END

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25 comments:

  1. You know I've been waiting for a post like this for a long time now. I don't know whats taken me so long to get my ass in gear. But this post has definitely stoked that fire. Thanks man.

    ~SumDude

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    Replies
    1. It that is my humble contribution, most excellent. I'm just throwing out advice, you have to do the hard part.

      Delete
  2. I don't own a card either - never have in fact. My wife keeps only one card, that mainly for reserving hotel rooms when we vacation. Other than that - cash money or money order payment. It really helps keep it real.

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  3. Your financial advice is of a kind never offered by someone with Official Credentials. A Certified Financial Planner would never have advised someone in 1999 that buying half a room full of deluxe surplus IMI 7.62 NATO in M-60 ammo cans for $125/1000 might turn out to be a great move for non-IRA funds, or that silver below $3/Gold below $300 is kinda awesome historically speaking, or that with the past 9 years of QE silver at $15 is cheaper than $3 in 2001. Nope, they alway try to get you into "a Fund" (of occasionally/semi-fraudulent paper promises) that just-happens-to pay the Advisor 1.1% per year forever.

    Warren Edward Pollock has some interesting thoughts on "Life Support" (food, community, medical care, housing, security), who gets it, how and when, in some now-deleted U-toob videos. He's about as optimistic as our thick-maned list-mom, but with some frightening Wall St. Insider details.

    BK is by-far not the worst thing a person can have happen to him, and may turn out to save decades of making minimum payments on dischargeable consumer debt or being hounded for the balance of underwater defaulted housing/auto loans. Of course, there is no escape from IRS (alleged tax debt), child support, alimony, or federally-guaranteed education debt, short of death or certified disability/poverty that can be worse-than-death.

    Cheers.

    ReplyDelete
    Replies
    1. Commodities ONLY save your life, they don't increase your wealth. To most people, that is worse than death.

      Delete
  4. “niggardly”

    I chose this very word to describe my miserly ways to my African American financial consultant.

    Tip of the day: Should you find yourself requiring the services of an African American financial consultant, I would suggest the use of a different adjective to describe your miserly ways ;)

    ReplyDelete
    Replies
    1. Niggardly is proper ENGLISH, N-Bomb word is proper AMERICAN. Most of us are not bilingual ( American and English ).

      Delete
    2. Just horsing around James, but it looks like everyone else decided to be mature about it and take the high road. Dang! I hate it when they do that ;)

      In case no one got the joke, it's based on the real life incident of the politico who chose this unfortunate choice of words (it's a legitimate word with swedish roots I do believe?) while addressing a crowd of primarily black DC council members. Yes, he lost his job. Political correctness is alive and well kids, and just what the doctor ordered.

      Delete
    3. I know the case of which you speak, and have made fun with it for years. I got and appreciated the reference. :)

      Delete
    4. I am Niggardly, but don't assume that I am mendacious.
      Publik skool teaches sounding out and skipping hard words with an assumption that the reader will understand them in later context, or look them up in the big book of unabridged words that includes classical curses.

      Delete
  5. James, You are very correct about credit being the root of evil. I avoid it like the plague. Also, I'm familiar with the ex-wife blues. That is a song I listened to for a number of years. Pay her off as soon as possible and move on with your life. For anyone reading this, remember that "cash is king". And in order to have some cash all you have to do is spend less than you earn.

    This appears as of late to be a uniquely un-american concept, to spend less than you produce. But it is the way of the universe.

    Jim S

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    1. Cash may be king for most, but around here I litterally can NOT pay cash for some things, they insist on it going through a billing system even though I have cash in hand on the barrel head then and there, the dentist and oddly, gravel companies both insist that they send me a bill in a month and that I mail back payment. Talk about a PITA.

      Delete
    2. I suppose, why deal with cash? No robberies, and since the help are all female, getting robbed/raped would look bad on the company.

      Delete
  6. I'd like to see some detailed info on the use of the wheat you are always talking about. Do you eat it everyday? How do you prepare it? Surely you eat other stuff with it too right? I'm not asking for a cooking show, but some basic details would be cool.

    BTW, got rid of the cards 10 years ago and don't regret it. Just my bank debit card and cash. Also kicked Paypal, ebay, and a bunch of other online stuff to the curb years ago.

    Hint: Stay out the stores. They ain't entertainment areas. They are carefully orchestrated devices to extract the coins from your pocket.

    Make a list, check it twice, stock up once every month or two or three. Figure it out. Save money, save fuel, save wear and tear, and spend your time doing more worthwhile things than sissy *shopping*.

    ReplyDelete
    Replies
    1. For three or four years I ate breakfast nuke bread, plain. Lunch, I added butter. Then I had to add calories from extra work so switched lunch over to animal protein. Not enough energy, otherwise. Now, I just eat store bought whole wheat bread with butter for breakfast.

      Delete
  7. Went to "My Book Links" at the bottom of the article to head over to Amazon and buy the Six-pack books and support the best frugal survival blogger on the internet.

    Link is broken, here are ones that work:

    http://www.amazon.com/Sweet-Survialist-Six-Pack-complete-survivalist-ebook/dp/B01A4ZBA9U (Book #1)

    http://www.amazon.com/Sweet-Survivalist-Six-Pack-wonderful-complete-ebook/dp/B01A4Q22LE (Book #2)

    ReplyDelete
    Replies
    1. Thank you. I wrote a note to myself to upgrade the links. All Other Minions: Hint, the book links at my web site, www.bisonprepper.com, rather than this blog, are up to date and current and begging to be used.

      Delete
  8. I have two exes that I pay child support to and by the time I pay insurance, 14% net, medical, equity, and college to it equals about 53% of my take home pay. At least what is reportable. Hence the side job. I have money to prep.I have my defense covered and a good amount of food, ect, so I am concentrating on dept elimination. In 2 years it will drop to 18% of my take home pay.

    Things will get better as my son gets older and I should have funds available.

    I have a credit card for emergencies and dont use it except for my netflix. I don't have cable so it is a minor splurge for me.

    My debt, other than the exes is a land note and my truck which I need to commute and my side job. Not Ideal but a needed evil. It will be paid off soon and it is a 4 banger Toyota so not the worst "investment". I'm 40 miles from my job and total commuting cost is about a quarter of my pay so not all bad.

    Get your Dakin approved basics. Get a rifle and some ammo. Wheat, a grinder, cheap shelter and junk land if you can. Warm clothes and sleeping bags. Lord Bison speaks truth.

    ReplyDelete
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    1. 53% of take home sounds good. Now add in taxes. 73%? 77%? Welcome to the plantation, brother.

      Delete
    2. Along with the wheat grinder add a pasta machine.
      We found a heavy duty Italian made ,hand cranked unit at the local flea market for twenty bucks....
      Minions ask Jim all the time what can be done with wheat...only everything !
      Add some other whole grains ,beans and fat for variety. Look in used book stores for cook books produced before the 1950's, even better those written before 1900.

      Delete
    3. "40 miles from my job and total commuting cost is about a quarter of my pay so not all bad." A quarter of your pay to commute?!? ouch. I would be constantly looking for a closer job or a closer residence (even if just renting a room or garage space under the table to sleep in between work days). Or maybe you mean a quarter of the steady job from both the side and the stead jobs commutes? which might make it more palatable...

      Delete
    4. Keep in mind that 25% is just from the remaining 25% left after ex-wives/Obammy/fed taxes. So, just 7% of gross.

      Delete
  9. Debt is the real dark lord. Add debt to gold digging #2 ex and you have perfect storm leading to bankruptcy. No real credit is wonderful, it can lead you to a Woman who likes you not your wallet. We keep one low limit card to get online deals and cash or barter for the rest. Old high mileage truck that even the bankruptcy court didn't want and a company vehicle provide transportation. Almost all savings in cash and food. Really small home with storage building paid for except taxes. We always look for ways to live cheaper, it gives you power to say no to the task masters at the slave job. If you don't have to have the next paycheck it's much easier to say screw you.
    Your tresses are really glowing today!

    ReplyDelete
    Replies
    1. Even if you never quit the job, knowing you can relieves a lot of stress. Debt is just increased stress.

      Delete

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