I guess my reasons are predominantly mundane rather than end of world or financial armageddon.
2021 felt tough financially
2022 even worse due rising energy and food rises.
Husband is variable pay and commission based retail which I fear is sector that will probably slow down this year which maybe mean less money.
During last recession when he lost his job we realised universal credit takes 6 weeks.
So trying save up 6 weeks worth bills
Have least 6 weeks of food and in some areas more of the items that keep rising.
I do think we will end up In recession and April feel even more squeezed due to government money stopping and cap being raised to £3000 plus rises in water, council tax and other bills .
Energy costs been crazy so seriously considering a wood or multi fuel burner and to replace couple single glazed door/ window to make the house much warmer.
Worried about fixed mortgage ending this year December so definatly need buy xmas presents and food earliier and have a reductions pot so can take advantage of reduced food dec fill the freezers and feed us evening meals for jan and feb we do this every year.
Slowly trying run down freezers as some need a defrost .
We planting seeds again soon for pots on garden and allotment.
Maybe buy a water but for home .
Food slowed down buying some things but trying plug the gaps this year little extra each week so grocery bill doesn't rocket as trying keep grocery lower so can throw more at debt and pay off credit card.
Have brought extra candles camping stove kettle candles for blackouts would really love a solar generator just so costly.
I think energy Personnelly we at great risk blackouts next winter as last if European countries have much more gas storage than UK and filled up on Russian gas before was cut off.
So next winter energy be more competitive and this will pish up prices.
Energy is playing a part in food increased but so is brexit anyone know when biometric goes live as was worried about how ports will cope and delicate just in time system supermarket already struggling .
Ukraine / russia war also causes big gap agricultural and food supply.
Weather as well more extreme last year allotment dident do well due to heat.
We not in a flood area.
When we had bad stores and school was closed last year it felt great to have plenty in.