One of the universal truths about life is that things aren’t always going to go your way. Some people certainly seem to be luckier than others, and hard work, care, and diligence can help you avoid a lot of the misfortune that might otherwise befall you. But at some point we all confront a curveball that presents an unexpected hurdle or hardship in life.
These issues can be any number of things. They might affect your home, your relatives, your friends, your bank account, your personal health, or countless other aspects of your life. The good news is, in a lot of these areas you can take steps to prepare yourself for potential “curveballs.” That’s not to say you can always prevent misfortune. But here we wanted to consider a few of the ways you can set yourself up to deal with some of the typical problems that can arise out of nowhere in life.
Protecting Your Health
Health should be a primary concern, and fortunately it’s something you have a great deal of control over. These days, in fact, it’s arguably easier than ever before to stay fit and maintain good nutrition. That’s because there are now great health and fitness apps that anyone can access, and which help us to chronicle our health efforts on a day-to-day basis. Using one of these apps doesn’t make you immune to health issues, but it can help you to stay as fit as you can be.
In addition to managing diet and exercise, you would also do well to fortify yourself against some of the most common physical ailments that befall us as we age. For instance, you might consider taking up yoga, which is easy enough to practice on your own, and which carries a lot of benefits for flexibility and joint and muscle health. More specifically, learning back stretches can help you to avoid, or at least cope with the kind of regular back pain that so many adults experience at one point or another.
We could go on with ways to prepare for specific ailments, and there’s certainly a lot you can do. But above all else, it’s also important to make sure you’re adequately prepared for a real sickness or health crisis. Unfortunately, politics are making our healthcare system a little bit uncertain of late, but it’s still important to do what you can within the system available to you to gain adequate insurance in the event of a true health emergency.
Protecting Your Home
Aside from personal health and general finance, the quality and value of one’s home tends to be a primary concern in life. And unfortunately, it’s another area in which all kinds of problems can come up. Particularly if you’re going to live there a while, you’re guaranteed to encounter issues of disrepair and deterioration over time. For this reason, it’s arguable that the most important step to take in protecting your home is to secure a home warranty that can help to guard against expensive, unforeseen home repairs. Different warranties will cover different things, but in a broad sense this is a means of guarding yourself against expensive damages that can occur over time.
For a more hands-on approach, however, you should also be prepared to take on certain repairs on your own. If something breaks, either learn how to fix it or bring in a professional – but do it quickly! Addressing repairs right away is the best way to stop them (and their related expenses) from piling up. Some homeowners even have fun doing it.
That said, you can only do so much if you’re unsure of how to handle a home, or what constitutes a genuine need for repair. You need to know things such as that an unpainted deck is more subject to weather wear, or that mold resulting from water damage can reduce the value of your home. You need to know that clogged gutters can result in all kinds of damaging problems, and that termite damage needs to be dealt with immediately. These are just a few examples, but they illustrate that education is part of the battle.
Protecting Your Car
The car is essentially a smaller version of the home in a discussion about unexpected hardships to prepare for. It’s an expensive investment that can lose significant value due to an unpredictable mishap, or due to improper maintenance.
The best way to protect it from a value standpoint is simply to pay attention to the tedious aspects of maintenance. Change oil when you’re supposed to, make sure the tires are fresh, have regular tune-ups, and don’t drive too harshly. It may sound like day one of Drivers’ Ed, but it’s common advice for a reason: it extends the life of your car.
Then again, not everything that can happen to a car is your fault. If you’re interested in preempting the negative effects of unexpected misfortune, you may want to research crash attorneys and read up on insurance practices so as to be adequately prepared to handle an accident. You never know when it might happen, and if you’ve already done the research you’ll be in position to protect yourself, protect your bank account, and have your vehicle repaired if need be.
This covers a lot of the major areas of concern for the average adult. Naturally finances come into play as well, probably as the primary area of concern. But preparing for financial misfortune is an entire topic into itself, and could fill pages’ worth of articles. The above listed tips are for more practical day-to-day issues that can arise and surprise you in life.