“When it snows, she has no fear for her household; for all of them are clothed in scarlet.” (It isn’t unusual for it to snow in the central hill country of Israel, though it is not frequent.) The woman of Proverbs 31 is equipped with foresight, and has made preparations for upcoming change, just as the bee stores honey for the winter, the bear overeats in preparation for hibernation, and the ant supplies the nest with nutrition to last through the cold weather. She has foreseen the coming snow, and has worked to prepare for the day of cold and need. She is not reckless, like the Prodigal Son, squandering her assets and resources in reckless abandon, but has made sacrifices in the present surplus for a future need. She has invested whatever time and resources necessary to carry her through the difficult period. Her only fear is Yahweh (Prov. 1.7), who drives out all other fears.
So the personal qualities we see here are foresight, willingness to make a present sacrifice for a future goal, preparation, diligence, thrift, and investment for the future.