There are a number of family reserves we have been counseled to setup. They are usually talked about separately but I am going to consolidate them for us here.
Food Storage Reserve
Food Storage is the one everyone thinks of first. A year's supply of food, water and where possible fuel is the standard line given. We ought not to forget household commodities like toilet paper, soap, shampoo and the like. Every day we use things up that need to be replaced often. It is very inconvenient when you don't have any toilet paper. Disasters can come without prior warning and having food in your house is better then having food in a warehouse somewhere in the state. A year's supply for one person is 1095 meals for that 1 person, or a 9 month supply for a family of 4, or 1 meal for 1095 people. One of the major things sent to disaster area by the Church are hygiene kits: Soap & small towel, toothbrush & toothpaste, razor and other small but very useful things.
We have been told many times to get out of debt and to build up a reserve. This reserve can start out being $100, can be built up to $1000, the standard size of emergency fund in many books. At this point, you should throw all your effort into getting out of debt. Pay off the smallest debt first then move to then next largest and in just a few short years you can be debt free.
Then you can built your reserve to where it should be able to sustain your family if you become unemployed. The LDS Employment Center has found it takes on average 1 month per $10,000 per year of salary/wages to find another comparable job.
While keeping this reserve in the bank is fine most of the time, a major disaster will shut down banks for a while. Having a small cash reserve on hand at home is important too. Pay the Lord first with a full tithe and generous offerings, pay yourself second, minimize your expenses, eliminate debt and maximize your income.
The Parable of the Ten Virgins is about the members of the Church. We have been warned that we must have testimonies of our own as we cannot survive what is to come on borrowed light.
As individuals and as families we can build these reserves by:
Daily Scripture Study
Weekly Family Home Evening
Weekly Church Meeting Attendance
Regular Temple Attendance
Paul taught that without charity we are nothing. Charity helps us as we help others. As we help others our own hurts are healed. Charity begins at home.When was the last time you spent some good quantity time with your spouse or just one of your children? Do you really know them? Do they really know you? Hopes, dreams, goals, progress? When it comes to relationships love is spelled T-I-M-E. Time spent in the same room watching the same thing doesn't count. This is not about face time this is about knee to knee time. Talk time counts, particularly if they are doing most of the talking.
The brethren have taught mainly the sisters that they should get all the education they can. Just because you have left school doesn't mean you can stop learning. Yet 77% of college graduates never read another book from beginning to end the rest of their lives. The way the employment market goes you need to constantly improve yourself just to stay in place, much less advance. Brian Tracy, a motivational speaker, has studied successful people for many years and has found that they spend at least 3% of their income on their own continuing education. Have you spent anything on your own education? And what about your spouse, have you encouraged them or helped them to learn something new? If they are a stay-at-home parent they need it more then you do. Even teaching your children at home will allow your brain to go to flab if you don't do something to challenge it from time to time.