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Principle 12: Plan for the Unexpected
How do you plan for the unexpected? With foresight and discipline, you can have enough resources stored away against emergencies so that, come what may, you and your family are well-taken-care-of. Things to keep in mind:

* Have a liquid savings that is equal to your needs for three months.
* Store enough food for at least three months. You need proteins, grains and water at the very least.
* Learn to garden for vegetables and fruit, and learn to safely process and store this produce.
* Have a three day emergency kit handy at all times, in the house and in the car.

Having these things in place will help you avoid dangerous situations that could result from the sudden loss of a job, electricity or fuel. We are not predicting some kind of cataclysm, but as the old adage says: Better safe than sorry.

Conclusion
These important money principles, if followed, can keep you and your family on an even keel, heading safely toward financial success and health. Obviously they are not get-rich-quick strategies. Rather, they are foundational principles that should inform the way you treat money and educate yourself and your family.

These principles are adapted from One for the Money, a publication of the LDS Church. http://www.providentliving.org /pfw/multimedia/files/pfw/pdf/ 88720_33293_OneForTheMoney_pdf .pdf

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