Most people never prepare for emergencies because they feel unlikely — until one happens. A power cut, a flood, a medical scare, a sudden job loss. Basic readiness costs little and makes a genuine difference when things go wrong.

Know your numbers and contacts

  • Save emergency services and a few key contacts somewhere you can reach offline.
  • Agree an emergency contact and a meeting point with family.
  • Keep copies of key documents accessible — see organizing important documents.

A basic kit at home

  • Torch and spare batteries (or a wind-up torch).
  • First-aid kit and any regular medication.
  • Water and some non-perishable food for a few days.
  • Power bank for your phone and a way to charge it.
  • Some cash — card machines fail in power cuts.

Financial readiness

The most common “emergency” is a sudden money shock. An emergency fund is the single best preparation most people can make.

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Know your utilities

Learn where your water stopcock, fuse box and gas shut-off are before you need them in a hurry — see resetting a circuit breaker.

Checklist

  • Emergency contacts saved offline
  • Key documents copied and accessible
  • Torch, first-aid kit, medication
  • Water, food, power bank, some cash
  • I know where my utility shut-offs are
  • An emergency fund started