Master of Disaster: How to Prepare for Misfortune

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No one’s life is smooth sailing. No matter your age, occupation or your situation, disaster can strike at any moment. Life isn’t exactly fair, but it doesn’t hate you either. For as many good situations you’ve been in, there will be an equal amount of bad situations and it’s up to you to prepare for your misfortune to mitigate the effects it has on your life.

Preparation usually involves a lot of planning, but it also involves taking the time to analyse your options and it also takes a bit of money. So let’s start by discussing a couple of ways you can prepare for the future and ensure that your life runs as smoothly as possible.

Emergency Funds

No one likes to lose their job or be forced to pay a ridiculous amount of money for something crucial like a car repair or a home fix. However, it’s part of life and disasters can strike at any time. Make sure you’re saving a bit of money on each of your paychecks and put it into a savings account or a piggy bank. Now when you encounter misfortune, you’ll at least have a healthy stash of money ready to use when you need it. Make sure you don’t touch this money unless you absolutely need to. Have discipline and only use your emergency fund when it’s actually an emergency, not because a new iPhone came out.

Insurance Policy

Whether it’s your car, home or the latest electronic device you’ve bought, accidents can happen and you may end up regretting the choice of not purchasing insurance. Make sure that everything you care for has an insurance policy attached to it so that should it become damaged or stolen, you can at least claim some compensation back. The type of insurance you get heavily depends on your location and what you want to be insured. For instance, if you live in a state like Texas os Illinois, you’ll need to look at information on hail damages and insurance claims because you’re susceptible to hail. If you live in a busy city like New York, then you’ll need extra protection on things such as theft.

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Always have a Plan B, C and D

If you’re going to plan something in your life, always have a backup. When you’re in a life crisis, the last thing you want is to be confused and at a loss on what to do. Pacing back and forth thinking isn’t going to help and there probably aren’t a lot of people you can turn to for help. Perhaps you planned to attend a university but couldn’t make it in, or maybe your partner left you because you were no longer compatible. If you had several plans, then you’d have other choices for university and you’d have dating apps ready for when your partner leaves you. Not only is it important to try and move on from these bad situations, but you also need to devise several plans to help you continue living life.


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Student @ Advanced Digital Sciences Center, Singapore. Travelled to 30+ countries, passion for basketball.