Do's

1. Shop rates on all monthly expenses (i.e., car insurance, utilities, cell phone, internet, etc)
2. Cut out all non-essential spending
3. Communicate proactively with creditors - payment arrangements can be made with little to no penalties
4. Save money where you can (live simple), build an emergency fund
5. Seek assistance from local organizations (check out the local agencies here)
6. Temporarily adjust 401k contributions to address short-term cash flow needs
7. Look for volunteer opportunities in your community approved by the state under COVID-19 conditions
8. Actively plan to have options in case of job loss, illness, or unforeseen disaster
9. Prepare an emergency list
10. Check on family and friends often
11. Strengthen your faith with bible intake, prayer, and meditation
12. Read more.  Hoopla Digital, RBdigital, OverDrive are apps that  allow you to stream audiobooks, music, magazines & comics, videos & ebooks. To gain access to these apps, you must have a public library card. Apps can be downloaded from Google Play or the App Store.
    

Dont's

1.     Apply for credit (credit cards, buy a new car, etc.)
2.     Take out payday/title loans
3.     Shop excessively (no need to hoard groceries/clothes; buy only what you need)
4.     Don't stick your head in the sand; address issues head-on by proactively communicating and seeking assistance
5.     Touch your retirement; the stock market is cyclical, it will bounce back
6.     Avoid withdrawing retirement early and/or getting a 401k loan
7.     Be overcome with fear
8.     Binge-watch television
9.     Be overly consumed with daily news
10.  Become disconnected from family, friends, and co-workers. Maintain your personal connections.