The
country locked down 10 weeks ago and, for many people, mental and physical
fatigue are palpable. Sheltering in place at home is “getting (real) old” and
weeks with a reduced (or no) income have thrown the finances of millions of
households into a tailspin. June will here in 10 days and is the third month that
many households will have difficulty paying all their bills. Prolonged paycheck
to paycheck” living can sap mental bandwidth and stress mental health to the
point that people are simply not fully functioning.
Then
throw in the fact that the duration and lethality of COVID-19 are still unknown.
Further, add the consensus from numerous observers, including the venerable Peggy
Noonan, that “the ground on which we stand has shifted.” Expect that many things
in life will be different (Noonan says “plainer”), at least until we get to the
“other side” (whenever that is) and, perhaps, much longer. Examples include: more
work at home, new travel procedures, crowd controls, and fewer people making advance
plans that require big deposits.
What
to do? The only thing that we can do. Create some semblance of a routine and
focus on things we can control. Below are seven specific ways to fight back
against COVID-19 “overwhelm” and to navigate change, loss, and uncertainty in
this turbulent time:
¨
Marshall
Resources- Look for sources of monetary
support and human services in your community, if needed. For information about
local resources, call 211 or visit www.211.org
or your local office of social services.
¨
Create a Spending
Plan (Budget)- Make your best
estimate of current income and expenses and consider various ways to close the
gap. For example, money saved by getting free food at a food pantry preserves
scarce income for utility payments.
¨
Develop a Daily
Schedule- Plan out your days to avoid
feeling “unmoored” from normal routines. Include some type of physical activity
every day. The Center for Financial Social Work has a useful e-book
with helpful scheduling worksheets.
¨
Increase Your
Financial Literacy-Set a goal to
learn one new thing about personal finance every day. Financial knowledge can help
build financial preparedness, which helps increase resilience in tough times
like we have now. The COVID-19 website from the
Global Financial Literacy Excellence Center (GFLEC) has lots of helpful
information about managing money in a time of crisis.
¨
Seize Control
of Controllable Things- Make a table
with three columns: Control, Adapt, and Monitor. Then list events and actions you
have control over in column 1, followed by those you can adapt to and those you
should pay attention to in columns 2 and 3. “Controllable” items include scheduling
daily routines, self-care activities, home organization tasks, and new spending
patterns.
¨
Be Helpful, Grateful, and Creative- Find ways to acknowledge
and support others. It will make you feel good too. List five things each day that you are grateful for and be creative. Closet organization, baking, poetry, art work, Zoom
parties, COVID-19 themed bitmojis and videos, and drive-by graduations and
Memorial Day parades are just a few examples.
¨
Take Deep
Breaths- Acknowledge you may be feeling
confused and overwhelmed right now. Big parts of your life have been turned
upside down. Many people are not balancing work and family. They are
balancing work with family. You are not alone. Many others are feeling
the same way. Health experts often recommend deep breathing as a way to lower stress.
Try it and see
if it helps.
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