- Dirty dishes
- Poopy diapers
- Laundry (my mortal enemy)
- Tangled hair
- Stepping on Legos
But life can be just as messy without the little rascals:
- Unexpected car breakdowns
- Looming work deadlines
- A sudden death in the family
- Poor health
- Financial woes
- FOMO (fear of missing out)
- Relationship turmoils (with friends or your significant other)
Since none of us are immune to the throws of life, it’s important to know where to turn when crisis’ happen. For instance, you probably know that when you need to speak to someone about your feelings, you talk with a good friend or a counselor. Or if you feel sick, you seek out your doctor’s expertise.
If you’re a Christian like me, your faith plays a large role in how you handle the daily swings and frustrations of life. You might lean on your bible study or pastor for advice from time to time. You might even live an active prayer life and pray daily.
But, there are some crisis’ that can happen that you should prepare for in advance, as a precaution.
As a mother and wife, having the following items prepared has given me much peace of mind:
- Will – name guardianship of your kids
- Trust – designates someone to handle finances for your kids
- Life insurance – provides income to beneficiary upon death
- Disability insurance – provides income to insurer upon disability
- Emergency savings – protects you in any number of situations
My husband is currently the sole income earner for our family. With three children to take care of, we would experience financial disaster if we didn’t have the above measures in place as our Plan B.
And we’ve already gone down one of those Plan B paths.
Several years ago, my husband suffered a second degree burn to his hand. He was unable to return to work for six weeks. Thankfully, we had disability insurance that paid him 60% of his salary during that time frame.
I don’t need to remind you that life is precious. You have kids that remind you of that everyday. Losing your spouse to a freak accident would be devastating to everyone, but having life insurance would give you one less thing to worry about.
This story recently was devastating for my husband…
One of his coworkers passed away a week before Easter, leaving behind a wife and kids. After speaking to the grief counselor, my husband took extra time off from work to cope with the loss and I cried when he had to go back to work. (He works out-of-state.) I thought about his coworker’s wife and how I do not want to be that mom. I said a few prayers for her. I said a few prayers for him.
I cannot control freak accidents like what happened to my husband’s friend, but I can control how I react and prepare for them.
And so can you.
Life is messy. Sometime this week, between poopy diaper changes, talk to your spouse or significant other about putting together the documents I mentioned earlier. Seek out the expertise of a lawyer if you feel the need.
At the end of the day, it’s these types of things that you must do to protect your family that are most important, just as you would apply sunblock before a day out in the sun.
Don’t procrastinate. You never know what will happen tomorrow.