If you live in an area of high unemployment and you cannot move — consider making drastic changes.
Stop memberships, change off the cable and internet (you can make use of the library), use a cell mobile phone or landline but not really both. Put simply, when it comes to disaster planning, think it through. Depending upon the type of problems, different factors might become useless. Make sure you’ve considered what you program to do should vital elements of your operation be ruined.