How to use your $1200 Coronavirus Stimulus Checks!

How to Allocate funds

Here’s how to spend your money. Use 50% on obligations, Invest 25%, Save 15% , and Spend 10% at your discretion.

If you are impacted by the virus… You want to diversify how you will use your funds to make them last. You will need money now and long-term.

Use $600 on a debt, paying a bill, rent, half Mortgage etc. This will relieve you of some responsibility on your last paycheck or your first unemployment check. However, that doesn’t mean spend money from your paycheck frivolously. You will need that money at a later date.

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Start with investing.  Take $300 and invest it in the best vehicle around this time… the stock market.  In this bear market, there are discounts to be had. There are stock prices affected by the pandemic that will rebound as soon as the economy does. For ideas of where to invest, Read How to Make Good Investments During The Corona Virus Crisis .  You will want evidence of your stimulus opportunity that benefits you later on. Learn stocks today!

Save $180. Nothing fun to say about this.  Add this to your savings plan… Not much? “Why even bother” you say… but the problem is you should have done this 10 times last year. $180×10=$1800 (At least) should be in your bank account for a rainy day. Cash is still King during uncertain times.

Spend $120.  It is preferred that you spend it on an impacted small business that is core to your community. A local hair vendor, restaurant, clothing store, i.e stimulate business.

If you have any dependents, spend $500 on YOUR dependents. Reserve it for childcare, clothing, activities or even open a bank account for their future needs. Yes, you can use it to contribute to shelter as well.

Using this guide will help get the maximum use out of your stimulus check. Hopefully this will help you during these trying times.