Now that you’ve built your usual budget, we can start looking at modifications that might be necessary in the current pandemic situation.
If you are still working, your expenses or income may have changed. Some essential workers are receiving hazard pay or increased differentials and the lower gas prices make commuting cheaper. Folks who are working from home have reduced commuting costs (gas, parking, public transportation) and may be saving on things like restaurant meals, entertainment, and leisure travel.
If you are in this situation, here are some ideas of what to do with the little bit extra:
If you have lost your job or been furloughed, first, I’m sorry. It’s scary and sad and you have every right to be anxious and angry. But please do use some of that angry and anxious energy to do the following:
I know, you’re thinking, “The kids are home. Having streaming services is necessary.” Look for low cost or free options: