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Finances If you are concerned about your bills, mortgage, etc., being paid for you automatically, pay them in advance. If there are penalties associated with prepayments, discuss this with your creditor. Ask if they will waive penalty fees even if only for a few months. If they won't, try to work out an agreement of suspending any late fee penalties if automatic payments fail to work. Get all agreements in writing. It is extremely important that you get hard copy receipts for your records. The burden of proof will be on you. Bills Note: the U.S. Post Office may not be functioning,so plan accordingly. If you pay your bills by cash, check, or credit card, pay them in advance. Make sure to get hard copy receipts for your records. Nothing beats cold hard cash in an emergency. Expect prices to go up, especially if there are shortages of any goods like food. Store your cash in small denominations ($1.00 bills preferred). Change may not be given in emergencies. Barter If you aren't able to put aside as much cash as you like, look into the barter economy. Barter is a common practice in many areas. Read up on barter at your local library and acquire goods or list services you may be able to use as currency. There are IRS rules regarding barter of which you should be aware if you are seriously planning this kind of approach.