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It’s just one of those uncomfortable facts of life, that we all face misfortune from time to time. While things may seem great, and carefree, in any given moment, there is always the risk that our cars will break down unexpectedly, will get hit by a bill or expense we forgot about, or that something more serious will happen to throw us off track.

It can be easy to bury our heads in the sand as a way of coping with the uncertainty, and fear that this kind of chaos inevitably brings. The bottom line, though, is that we do not defend ourselves from any issues, or potential dramas, by ignoring them.

Life is always going to be a bit unpredictable, and from time to time things will get chaotic, and we will struggle.

The important thing to remember is that we can always take steps to help protect ourselves from the impact of future chaos and to ensure that we are in a position to react appropriately.

So, here are some tips for guarding yourself against future chaos.

Sign up to the right policies and services

This first point should be quite obvious, although a surprising number of people fail to take it seriously.

Whatever kind of chaotic events you are trying to guard against in the future, it is highly likely that there is some paid policy, or service, that has been tailor-made specifically to address that potential issue.

Some of these policies and services will be things you are legally required to have, depending on the country you’re in. Car insurance, for example, is typically mandatory.

All the same, the level of cover provided by different services will vary, along with their affordability. Using a service such as One Sure Insurance, if you’re a van owner, might go a long way towards protecting you against future troubles.

Take a somewhat “minimalist” approach to life – limit how many things you rely on

“Minimalism” has been a hot trend in the last few years. For one reason or another, many of us feel that we just have too much “stuff” that doesn’t add sufficient value to our lives.

Regardless of how seriously you do or don’t take the decluttering process in your own home though, it’s worth taking a somewhat “minimalist” approach to life, in terms of limiting the number of things you rely on.

Certain technologies will enrich your life disproportionately – and you should certainly benefit from these. But avoid becoming overly dependent on things that offer only marginal benefit, and that are here today, but might disappear tomorrow.

Always set aside some money in your budget for a “rainy day”

One of the number one rules of budgeting, is that you should set aside some money “for a rainy day.”

The thing is, this is easier said than done. Many people will put aside money into a “general savings” pot, but will fail to specify the conditions under which it’s acceptable to use that money.

That means that the odds are high that those “savings” will disappear bit by bit, whenever you feel like treating yourself.

Instead, specify exactly what a “rainy day” looks like, and what it’s acceptable to spend that money on.

*collaborative post