What affairs must we have in order — and how? 1. Financial affairs The question: If your income stopped or your expenses increased, how long could you sustain your household? - Know your monthly income, expenses, debts, and payment due dates. - Build an emergency fund, even if you start with $10 or $25 at a time. - Identify expenses you could reduce immediately. - Make a plan for rent or mortgage payments, utilities, food, transportation, and insurance. - Know which trusted people or assistance programs you could contact in a financial emergency. 2. Housing affairs The question: If you could no longer stay where you live, what would your next move be? - Understand your lease, mortgage terms, and housing obligations. - Keep copies of your lease, payment records, and important communications. - Identify a safe temporary place you could stay if necessary. - Research rental assistance, housing counseling, and tenant legal resources before you need them. - If you receive an eviction notice or court papers, seek qualified legal assistance promptly and do not ignore deadlines. 3. Legal and personal affairs The question: If someone needed to help you tomorrow, could they locate the information and documents necessary to assist you? - Keep identification, birth certificates, Social Security information, insurance policies, and property records secure. - Review beneficiaries on retirement accounts and life insurance. - Consider whether you need a will, financial power of attorney, or healthcare directive. - Make sure trusted people know where essential documents are stored. Having your affairs in order means making important decisions while you can, rather than leaving everything for your loved ones to figure out during a crisis. 4. Household and family affairs The question: If your normal routine were disrupted for seven days, would your household know what to do? - Create an emergency contact list. - Establish a family communication and meeting plan. - Plan for children's school transportation, medications, and caregiving needs. - Keep essential supplies and important documents accessible. - Discuss backup arrangements with people you trust.