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       Ensure your personal safety first. Frontline safety responders will tell you that it’s often the case that there are more fatalities in the aftermath of some natural disasters than from the disaster itself. With hurricanes, for example, numerous victims die in the flooding that follows the storm. Long power outages lead to spikes in carbon monoxide deaths as people make mistakes in rigging up generators near their home or in their garage. Downed power lines have led to some folks being electrocuted. So, please be careful in the aftermath of a natural disaster and don’t rush out to do things that can wait or take unnecessary risks like trying to drive through a water-covered roadway.

       Think outside the box if your small business is in trouble. To survive and thrive as a small-business owner, you need to be resilient and flexible. Conditions change, and a disruption from a natural disaster can be upsetting. So, get creative about how to find and serve your customers when the landscape changes. Maybe if your customers can’t come to you, you can go to them. Perhaps you can serve them through video calls/conferencing. We’re all creatures of habit, and it can be hard to change the way we are accustomed to and prefer doing things.

       Take a hard look at your expenses. If you’re suddenly facing a period of reduced income due to natural disaster, take a fresh look at your spending and cut non-necessities as needed. You can always restart them, and you may well find that some providers will offer you better pricing if you’re set to cancel due to short-term affordability issues. Don’t cut needed catastrophic insurance coverage.Scrutinize your small-business expenses in a similar fashion. Just be careful to not cut expenditures that could cut into sales, compromise the quality of your products or services, or leave you exposed insurance-wise.

       If you have insurance claims, be sure to document everything and be ready to negotiate and fight for what you’re due. Some insurance companies do the right thing, but too often, they will view your claim as a business expense and do what they can to minimize your payments.

       Stay in financial shape. An athlete is best able to withstand physical adversities during competition by prior training and eating well. Likewise, the sounder your finances are to begin with, the better you’ll be able to deal with life changes. See Part 4 for all about getting and keeping your personal finances in tip-top shape!

       Remember that changes require change. Even if your financial house is in order, a major life change — starting a family, buying a home, starting a business, divorcing, retiring — should prompt you to review your personal financial strategies. Life changes affect your income, spending, insurance needs, and ability to take financial risk.

       Don’t procrastinate. With a major life change on the horizon, procrastination can be costly. You (and your family) may overspend and accumulate high-cost debts, lack proper insurance coverage, or take other unnecessary risks. Early preparation can save you from these pitfalls.

       Manage stress and your emotions. Life changes often are accompanied by stress and other emotional upheavals. Don’t make snap decisions during these changes. Take the time to become fully informed and recognize and acknowledge your feelings. Educating yourself is key. You may want to hire experts to help but don’t abdicate decisions and responsibilities to advisors — the advisors may not have your best interests at heart or fully appreciate your needs.

       Be prepared for tough times. This preparation can include having an emergency reserve and flexible spending so that you can more easily reduce your spending. Try to minimize the amount of spending that you engage in that is locked in, for example, through contracts for an extended period of time.

       When trouble hits, set aside time to consider and discuss the situation with family or someone you can trust. Spend time brainstorming on your topics of concern, including ways to reduce your spending.

       Make note of benefits you lose through an employer and develop a plan to replace needed catastrophic insurance. You always need health insurance, and until you’re financially independent, disability insurance. If others are dependent upon your employment income, you should also have term life insurance.

       Be flexible and keep an open mind. A crisis can lead to opportunities for change and may include things like moving or simply changing your approach to certain aspects of your life and finances.

       Be prepared to negotiate and advocate for yourself and situation. This can include things like your housing and being able to meet the terms of your mortgage repayment or rental payments for a lease or dealing with an insurance company claim. If you have a hard time doing these things, enlist the support of someone who is comfortable and adept at doing this.

       Take time for your mental health and decision making. You should always do this, but it’s especially important for you to take a little time every day to do things that you enjoy and that help you to relax. For some folks, this can be exercising, reading a good book, listening to music, and so forth.

       Understand and make use of your employee benefits. In my work as a financial counselor, I often discovered valuable employee benefits that my clients had overlooked or forgotten they had access to.

       Understand the tax consequences. Many financial decisions involve tax considerations, so be sure you understand those issues and tax reduction opportunities associated with those decisions.

       Find out about safety nets. When you’re facing a personal

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