Welcome Shirley Jane - I think you and your husband are on the right track and are wise for heeding that "still small voice" in the back of your mind!
It was about 3 years ago (now) that the same thing hit our family.
I have some website resources that I found helpful and will attach below - but it is first important to find out what you have, and what YOU think you might need first...
I found it easier to break down our basic necessities into basic categories - food, water, shelter (i.e., do you live in a secure area, family or friends near you) protection (i.e., guns & ammo, knowledge of how to use them) - my wife & I had some disagreements over what should be the focus of our first effort (food or guns, we had neither). It was decided that FOOD and water were our first priorities (I don't mind admitting that those we're NOT my choices, but thankfully a cooler head prevailed).
How much food...was one of our first questions?
If you're on a budget/strapped for cash - that question really doesn't matter - does it? if you're in this situation - do what my nephew did - every time he and his wife went to the grocery store he bought
anything and
everything that was "buy-one-get-one-free", ANYTHING that was on sale - regardless of whether it was their "favorite" brand. Didn't matter what it was, peanut butter, noodles, pork & beans, toothpaste, rice-a-roni...cereal...whatever...BUY IT! Do this each time you go to the grocery store - it will be like stocking up without spending money that is budgeted. Even if you don't use as much of the "free" items (or any) you can probably trade them for something you need, later! If all goes well - in 4 weeks you should have between 2 - 4 weeks of additional food you didn't have to pay for!
Next, I would suggest buying (or check it from the library) the book "
How to Survive the End Of The World As We Know It" by John Wesley, Rawles. It's packed with great details, organizational tips, etc., if you find something that you don't agree with - skip it - but it will at least help you get a starting point to overcome that feeling if being overwhelmed! I especially liked the chapter on "A List of Lists"...but fair warning - he does SO MUCH preparing (including teaching it) it will overwhelm you - at first. Just remember, you're using it as a resource...something to cause you to think about something you may never have thought of.
Now, after building up about a months worth of canned/boxed/noodles/meats/chilli - we came into/saved a little money. If this somehow happens to you - consider adding
bulk food to your plans. This is what my family did. The first time we could spare some money - we bought 3 months of food for one person - because thats 1 month of food per person if you're a family of three...two people would stretch that total a little further.
So, to that point - the first link - and others will no doubt jump in to offer advice - and even regarding this link I offer it more for the calorie calculator than the specific food brand:
http://www.foodinsurance.com/long-term-meals (find the "emergency food calculator")
Sam's Club has a version of bulk/emergency food called "Augeson Farms" at more reasonable prices (and if you'll look at the link they sometimes include a "free gift" for ordering this way - my gift was a 55 gallon water barrel!):
http://www.samsclub.com/sams/search/searchResults.jsp?searchCategoryId=all&searchTerm=augason farms&fromHome=yes&_requestid=280474
Here's another we used:
http://beprepared.com/category.asp?c=64
Do you have a gun in the house? If so do you have ammunition for it? We can visit there next...but I don't want to overload you. There are also some basic first aid/medical Prepps you should also consider...and at some point communications will need to be considered...but I think some of the most pressing needs (at least to me) have been addressed. Maybe someone else can overrule me on some of this, or offer better options - but it's at least a starting point!
Hope this is what you were looking for!