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Preparing For Difficult Times
4 Essential
Things You Need to Prepare for Difficult Times
Donald Latumahina
Life Optimizer
Whether you like it or not, the fact is that
there will be difficult times in life.
So, the best thing you can do is to prepare
yourself before they come. If you do, you will survive or even thrive.
But if you don’t, such times could ruin you.
It’s your preparation that makes the difference.
Preparation takes time though, so don’t wait
until the last moment before you start. Start early so that you will be ready
when the time comes.
I’m sure there are others, but here are four
essential things you need to prepare for difficult times:
1. Emergency fund
Bad things could happen to your personal
finance. For instance, you could lose your job or have to pay a big medical
expense.
If you aren’t prepared, such events could
damage not only your personal finance, but also your health and relationship.
Prepare yourself early by building an
emergency fund. Most experts say that you should save at least three months of
living expenses there.
2. Network of
relationships
When something bad happens, you can get the
help you need through your network. If you lost your job, for instance, you can
find a new job through your circle of friends.
Start building your network long before you
need it. And remember, the way to build it is by giving. Be there
to help them and don’t keep score.
3. Knowledge
Knowledge is essential for making good
decisions. Why? Because it helps you know what options are available and how to
compare them with each other.
People often make bad decisions simply because
they don’t know that there are better options. Or perhaps they don’t know how
to evaluate those options.
Build your knowledge so that you won’t fall
into that trap. Read blogs. Read books. Watch lectures.
Don’t learn things yourself the hard way.
Instead, learn from other people’s experiences.
4. Faith
When you are in a dark time, the most
important thing you need is faith. Why? Because you may not be able
to see the light at the end of the tunnel, so you need faith to keep going.
A strong faith, however, doesn’t come
overnight. You need to build it over time through spiritual habits. In my case,
those habits are praying and reading the Scripture.
Do what works for you and start building your
faith. Don’t wait. You will be glad you did.
My name is Donald
Latumahina and I live in Indonesia. I’m an avid learner who has a deep
passion for information technology (IT) and personal effectiveness.
Since 1994 when I got my first
computer, I have already “fallen in love” with computers. IT gives me a huge
opportunity to learn new things which is very exciting for me. On the other
hand, I also liked organizational activities such as student council. Through
these activities, I could develop skills which I couldn’t get in class such as
management and interpersonal skill.
I believe that every person
has a huge potential which is commonly underdeveloped, and because of that, I’m
also very interested in personal effectiveness. Unleashing the full potential
of myself and others has become my ultimate goal.
If you want to, you can read
more about me at Eight
Random Things About Me.
Follow
me on Twitter (or Facebook) for interesting
links and updates.
Life Optimizer is about reaching your full potential. I believe that
many people (including me) live below their maximum potential. While they do
achieve things in life, there are still many more that they can
achieve. The problem is that they don’t optimize their lives. There are aspects
of their lives that can be made better and more effective than they are now.
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