Smart Strategies To Protect Health & Make Extra Money

Photo in blue tones showing a dollar sign and an enlarged image of a virus, to highlight that this post is about strategies to protect health and make extra money during the pandemic.
Image by fernando zhiminaicela from Pixabay.

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Are you looking for strategies to stay healthy during the COVID-19 pandemic? Do you find yourself losing sleep over money? Has your stress increased because you are worried you won’t be able to continue saving for retirement? You are not alone!

The stress of COVID-19 is giving me nightmares. I had another bad dream last night. Or, I should say late this morning. We are 9 weeks into shelter-in-place due to the global pandemic and my sleep schedule is all messed up.

Without meaning to, I end up staying awake until 2:00 or 3:00 am. Once I do go to bed, it takes me awhile to go to sleep. I wake up several times throughout the night, and then finally sleep deeply for a few hours in the morning.

That is when my weird dreams happen.

This dream was one of those frantic, all pandemonium breaks loose kind of dreams. My emotions were on heightened alert, and then something equally scary, but completely unexpected happened. I felt like I was preparing for a flood while a tornado was bearing down on the house, when suddenly robbers broke in!

Thankfully, I woke up and that was the end of that dream. But it does not stop the lingering thoughts about the uncertainty of the future.

Worried about retirement?

My husband and I were already in our 50s when we realized we needed to get serious about catching-up our retirement savings. Now we are wondering what impact the global shut-down will have on our ability to continue saving for retirement.

Thankfully, I am considered an essential worker, so I am still working (from home) at this point. Not everyone is so lucky.

Over half of Americans have lost their jobs or experienced reduced work hours due to the COVID-19 pandemic. According to the 2020 Retirement Confidence Survey Report from the Employee Benefit Research Institute, those who have lost their jobs or fear they may lose their jobs, are the one group that has less confidence that they will have enough money in retirement.

Strategies for Making Extra Money

Maybe there is an opportunity to use the extra time we have during the shelter-in-place to make some quick cash, either for retirement contributions or just for everyday needs. My friend, Bella Wanana has written a helpful post with ideas for making $100. I am planning to finish going through some boxes in the garage to see what I can sell.

Many company owners are having to learn to be creative and do business in a different way to continue earning an income. Most restaurants have switched to a take-out menu. Some are offering partially prepped meal kits that customers can purchase to finish cooking at home.

As a result, more people are making extra money delivering restaurant meals and groceries through Uber Eats, Door Dash, Instacart, etc. These opportunities have been around for a while. They can be a great way to earn extra cash to continue contributing to retirement accounts.

Photo of man wearing a face mask with an orange food delivery backpack on his back. Food delivery is a strategy to make extra money.
Image by Alexandre FUKUGAVA from Pixabay.

Strategies to Protect Health

Besides financial concerns, I am very worried about getting the virus or having to watch family members become sick or die. We have been dealing with this pandemic by staying home to flatten the curve of infections. The whole point is to ensure that our hospitals and medical professionals are not overwhelmed all at once with too many sick people.

It seems to be working, at least in some areas of the world. That is good news.

Yet risks remain, and there are concerns about opening our country too soon. At the same time, there are groups of people who do not take COVID-19 seriously. This is sad, considering we have already exceeded 83,000 deaths in the United States alone.

What is going to happen if everyone does not practice social distancing? Will there be a 2nd wave of illnesses? States that have opened early have had a spike in the number of new cases. Social distancing still seems like the best strategy to protect health.

Image of chalk board with the words "Look out for each other! With distance!" Social distancing is a smart strategy to protect health.
Image by Gerd Altmann from Pixabay.

But restlessness is rising. Understandably, people are not able to go on indefinitely without an income. If there was ever a reason to get out of debt or to re-write your money story, this is it!

Devastating economic hardships have escalated due to so many people having their businesses shuttered overnight. People have lost their jobs and are not able to pay their mortgage or rent.  According to the US Department of Labor’s May 7th report, over three million new unemployment claims were filed in the previous week. That brings the total to 33.5 million unemployment claims filed in the US in the past 7 weeks.

It is overwhelming.

Even worse, there has been no shortage of unscrupulous people who take advantage of others, at a time when we should all be pulling together. Sadly, that has happened from the top of society all the way down to the bottom during this pandemic. It angers me to learn about giant corporations, big banks, and politicians who are driven by greed rather than altruism.

It sickened me to learn that the Payroll Protection Program was out of money within two weeks, with billions in low-interest loans going to large corporations rather than the small businesses it was intended to help. At least the public backlash forced Shake Shack, Ruth’s Chris Steak House, and other large chains to give the money back.

I must admit, these things are starting to get to me.

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What are some smart strategies to help protect your health, both physical & mental?

I would love to hear your ideas. Here are some of mine:

Follow a healthy lifestyle.

Although it’s been a challenge to exercise, my strategies to protect health include eating healthy, taking vitamins & supplements, walking or doing yoga daily, and trying to get enough sleep. I’m also pretty serious about social distancing and wearing a mask in public.

Practice social distancing.

If you are worried about stores and businesses opening too soon, it is OK to continue practicing social distancing. Try to do most of your shopping online to reduce your risk of contracting the virus in the community. Even if you cannot afford to buy anything extra beyond groceries, you can order curbside pick-up from most local grocery stores.

If you live in an area where local farmers offer Community Supported Agriculture (CSA) programs, you can pay online and have fresh produce delivered. Another option is to shop online and have non-perishable food items shipped to you.

During the past couple of months, I have been shopping online as much as possible. I’ve purchased non-perishable food, spices, baking pans, vitamins, books, household cleaners, toilet paper, personal care items, and culinary mushroom grow kits. These were all delivered and left at my door, with no physical contact.

Shop online to limit your exposure to the virus.

By ordering online, I was able to:

  1. Reduce my exposure to the virus and protect myself from ending up in a hospital or on a ventilator due to complications from COVID-19.
  2. Save time and gas, as items were delivered to my door (often with free delivery).
  3. Support small, local businesses instead of making Jeff Bezos richer than he already is.
  4. Save money by buying in bulk (I ordered a 2-year supply of biodegradable trash bags).
  5. Get extra savings by going to the Rakuten website first to start my online shopping.
Affiliate link. Image of Rakuten offer to get a $30 bonus and cash back when shopping. A smart strategy to protect health is shopping online to avoid crowds.
Affiliate link for Rakuten.

However, if you are one of the millions of people who are now unemployed, you may have limited funds, even for grocery shopping. Many senior centers, community centers and churches are offering drive-through food banks during this pandemic. You drive up, and a volunteer will put the food in your car trunk or back seat with no physical contact.

Strategies to Protect Emotional Health

Limiting my exposure to the news and certain social media outlets has reduced my stress because there was so much negativity. I had to delete a political joke I posted on Facebook because people started arguing with each other in the comments!

We are all different. Yet, we are all human. Please be kind.

A simple tip to diffuse inflammatory language and build bridges between us involves using this phrase when responding to others:

“Yes, and…”

“Yes, it’s hard being cooped up for weeks on end during this pandemic, and we’re doing it to keep each other safe.”

It is tempting to rush out as more stores open, but why not shop online? “Yes, I know you want to buy your nephew a birthday present, and let’s see if we can find a way to shop online that saves you time, money, and protects everyone.”

“Yes, we all miss our friends and relatives during shelter-in-place rules, and let’s figure out how we can use technology or think outside the box to maintain social connections from a safe distance.”

My husband and I have been enjoying online video calls and Zoom meetings with our extended family members. It is not the same as visiting in person, but it feels good to connect without increasing the risk of getting or spreading the COVID-19 virus.

Photo of a coffee cup with a virus design on the cup, and the words "stay home" printed on the coffee foam. A smart strategy to protect health is to stay home.
Image by jorono from Pixabay.

Everything seems so different now. I often find myself thinking about this familiar quote:

“When I was a boy and I would see scary things in the news, my mother would say to me, ‘Look for the helpers. You will always find people who are helping.'”

~ Fred Rogers

Before COVID-19, we went to see the movie “A Beautiful Day in the Neighborhood” starring Tom Hanks as Mr. Rogers.  It was a wonderful movie, based on the true story of the friendship that developed between the children’s television show host Fred Rogers and the cynical journalist assigned to write a story about America’s favorite neighbor. Of course, Mr. Rogers won the reporter over.

We need more of these stories to remind us that tolerance, empathy, kindness, and decency are still alive, even in scary times.

When you are feeling overwhelmed and sad, look for the helpers. There are helpers everywhere.

Better yet, be a helper.

Check in with elderly neighbors or relatives by phone, drop off a care package, or plant some extra vegetables in your garden to share with your local food bank. You can do these things while practicing safe social distancing.

If you can afford to, donate money to local non-profit organizations in your community, or donate to a Go Fund Me project that you believe in. You may be able to support others who are volunteering in their communities on a grass roots level. Check out the young adults in the video below who are putting together care packages and delivering them to families and elders living in remote areas.

If you cannot afford to donate money and need financial help yourself, there are resources available in your community. Reach out to your local non-profit organizations. It is OK to ask for support.

Final Thoughts on Strategies to Protect Health & Make Extra Money

I am grateful that I can work from home, as I know so many people have lost their jobs. We have not had to stop our efforts to catch-up retirement savings, which is fortunate since we were so late getting started. My heart goes out to those who have gotten sick or lost their jobs due to COVID-19.

It is reassuring to know there are many creative ways to make extra money. Whether you need to replace income or catch-up retirement savings, opportunities still exist. Some examples are doing restaurant or grocery delivery, and selling items you no longer want. Be sure to wear a mask if you do go out to make extra money!

Photo of my sister-in-law. Her strategy to protect health includes wearing a mask, sunglasses, yellow gloves, and a colorful polk-a-dot cap with butterfly wings when she goes to the grocery store.
My sister-in-law is wearing her protective gear, before she heads out to the grocery store. Humor helps!

These are just a few strategies to protect health that are helping me to cope. It doesn’t hurt to maintain a sense of humor, too. Just keep laughing, and if you have the ability, be a helper in your community.

Update: This post was written before vaccinations were widely available. Vaccines are free. Get the shot.

Join the Conversation

What have you been doing to cope with the uncertainty and isolation of sheltering-in-place during this pandemic? What steps have you taken to protect your health? Have you had to change your investing strategy, or find ways to make extra money?

Please share your comments below and subscribe to the blog for more creative ways to make extra money for retirement!

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84 Replies to “Smart Strategies To Protect Health & Make Extra Money”

    1. During these uncertain and scary times, a post like this is so helpful! All of your tips are so helpful & are ones I will definitely be taking your advice on! Thanks for sharing! I hope you and your family are doing well through this! Stay safe! 🙂

      melissakacar.blogspot.com

    2. I’m glad you have still found a way to catch up with family. I struggled with keeping sane in the beginning of the pandemic but I must say things have gotten better. Thanks for the tips!

  1. I Iove this! While acknowledging the challenge, you have offered helpful solutions that are both realistic and useful. Thank you for sharing such a well thought out post!

  2. I am fortunate to still have my job at this time, my partner too. We’ve been doing a lot of what you mentioned, and also a lot of extra hand washing after being out, and cleaning anything new that comes into our home

    1. That’s a great point about all the extra hand washing & cleaning. I didn’t even mention it, but I’m with you on that one! Sometimes I feel like I’m overreacting, but I’m cleaning everything that comes into our home, too. Thanks for sharing those ideas, Kimberley!

  3. Can I just say, I loved your sister-in-law protective gear🙂 I enjoyed your post very much and reminding kindness and tolerance is never enough. Thank you for sharing!

  4. I feel very lucky that I can work from home, even though that in itself is a challenge for me. But I’m not complaining. I loved your post though, it’s great that you added about having a sense of humour and I loved your sister-in-law’s protective gear! You’ve offered some great tips about how to physically stay safe, how to protect our mental health and most importantly you’ve reminded us to be kind – thanks for sharing x

    1. I’m so glad you enjoyed the post, Castlesandturrets! Working from home is challenging, I agree. I have been trying to get outside to walk around the block several times a day, which seems to help me be more productive. Sharing my sister-in-law’s picture seemed to have put a smile on people’s faces. Nice!

  5. I outright refuse to use Amazon now days, it was bad enough with all the tax dodging and working practices that went on, but when they bought Whole Foods and stripped health insurance from there employees, that was the last straw for me. Who knew they could actually get worse than that, but they did, forcing workers to work in unsafe conditions during a pandemic and firing protest leaders who don’t want to die making Bezos richer: Amazon are making a killing during the pandemic.

    It actually disturbers me that so many blogger we’re doing that Amazon wishlist sharing and buying each other gifts from their wishlists when Amazon were acting like tyrants. I especially thought mental health bloggers would be better than that. Why not just buy a coffee for each other instead or create wishlists somewhere else, rather than support Amazon as they work there employees to death for terrible pay?

    1. I’m sorry, Unwanted Life. It’s a tough issue, as many bloggers are trying to make money through Amazon affiliate ads. However, just last month, Amazon cut affiliate rates, so bloggers make even less.

      There are soooo many other companies that offer affiliate opportunities, though. Many of them pay much more than Amazon. It is worth doing some research to find other affiliate opportunities if you are trying to monetize a blog. And it’s worth it to support other small businesses. Thanks for sharing your thoughts!

  6. Great post.! We need to keep our sanity intact during these uncertain times. One thing I found myself doing these past few months is organizing a fundraising for PPEs in my home country. Aside from the donations, we also post motivational thoughts and facts to our audience. As many people are scared due to lack of information and there’s a lot of hear-says or fake news going on. Also, I agree that we should support local businesses. I understand that we have to save money as much as we can but it is also as important to keep the economy running. It’s a cycle and this will eventually yield positive results.

    1. How wonderful that you organized a fundraiser for PPEs, Vinn! You are one of the helpers! I love it that you are posting uplifting messages to your audience as well. Yes, there is a balance to be found between saving money and thoughtfully spending on things you value to support your local economy. Great job!

  7. I am lucky to be working from home too. And I am also having a lot of nightmares but nothing to do with Covid at all. Strange. Thanks for these helpful tips on staying healthy and financially secure. There is a lot of things going on right now.

  8. I should probably start thinking about retirement soon. Before I always assumed I’d die by the time I was 28, but that never happened. Although I don’t earn enough to plan for my future and keep myself alive in the present lol

    1. Thanks for sharing your thoughts, Token Artist. When my husband & I were younger, we often felt like we never had any extra money for investing in our retirement. I look back on that time now and wish I would have contributed even as little as $5 a month to an IRA. Even though it’s a small amount and hardly seems worth it, the benefit of compound interest over time would make that money grow in a powerful way.

      Let’s say I put $5 a month (or $60 a year) into a traditional IRA starting at age 20 (I wish I would have done that!). Without ever increasing my contribution amount, by age 65 that $5 per month would have grown to $18,345!

      Of course, over time I would have increased my contribution. But contributing just $5 per month would have been so small, I probably would not have even missed it from my wallet! More importantly, it would have gotten me into a habit of saving money.

      It’s hard to find extra money for retirement savings, especially when retirement feels so far away. But it will be here before you know it. The best way to find money, even $5 per month at first, is to increase income with a better paying job, or with a side job. There are opportunities!

  9. Your strategies to protect emotional health are so important, that’s going to be a big problem going forward. It needs to be done safely thanks for sharing 😊

  10. Some great tips about making extra money on the side here. I’d recommend reselling on eBay, it’s time consuming but your old junk could just turn out to be someone else’s treasure that they’re happy to pay for. And looking after our physical and mental health is even more important now as there are so many additional stresses to cope with! Lisa

  11. Great article, thanks Kathy. Keeping in contact with family over Zoom is definitely helping stave off feelings of isolation!

  12. I’m definitely a little stressed with the times we’re living in, I’m always avoiding the numbers because it just adds to the anxiety. But I loved the tips in this post, it was really uplifting to read! And I’m already adding biodegradable trash bags to my online basket, love that idea!

    Anika | chaptersofmay.com

  13. Great tips, it’s important to stay home and protect everyone’s health. I know there’s pressure for things to reopen for the sake of the economy and jobs, but you have to weigh up the risks. I’m lucky enough to work from home so I’m able to only leave the house when 100% essential but I’m self employed and have seen a bit of a dip in income. Not able to save much right now but this situation is only temporary x

    Sophie

  14. Hi Kathy.

    This post is great – packed with so much practical tips, both with respect to money and to state of mind.

    What shocked me was the stats you mention coming out of the U.S. – it really makes me feel for you and your country.

    We only have a population of 20Million here in Australia, yet we have only had 98 deaths due to Covid and job losses of 600,000. (which is still horrendous).

    I still think there is a world of pain to live through, but with such an upheaval, surely some great good will come about.

    Your post has certainly sparkes some interesting conversations

    Always enjoy reading your posts

    Shaun

    1. Thank you so much, Shaun! I hope that this experience helps more people take individual action to help themselves achieve long-term health and wealth.

      In 2018, 42.4% of people in the USA were obese. It turns out that people with obesity related conditions such as type 2 diabetes and heart disease are at greater risk of infection, severe illness, and poorer outcomes from COVID-19.

      Recent data from GOBankingRates indicated that 69% of people in the USA still have less than $1,000 in savings. We need to turn that around.

  15. It is so important for us to stay healthy, especially during this time. The market recently took a dip. I haven’t looked at my 401k savings, but I am hopeful that the economy will recover soon. There are so many different ways for us to make some extra money. I’ve been feeling the stress but I mean… I can’t do much but wait for things to pass @__@.

    Nancy ♥ exquisitely.me

    1. Couldn’t agree with you more, Nancy! Don’t even look at your 401k savings when there’s a dip in the market or the economy is in turmoil. It’s better to just “set it & forget it” so you don’t feel tempted to move your money or stop investing. Stay the course! By continuing to invest automatically every month, regardless of what the market is doing, you will look up one day in the future and find that you are very wealthy! And then you won’t have to try to catch-up your retirement savings, like me. lol

  16. Love the fabulous head gear! It’s important to keep laughing during these uncertain times. Thank you for sharing, it is scary thinking about finances during this time but great tips! Emma x

  17. I really enjoyed reading this – I’ve been using my extra time to work on my website and making money from it so this was an incredible read if I’m honest! I would love to try to focus more on my health and my mental health with my time x

  18. Such a well written post with all aspects covered. With finance being the most talked about subject, we do miss out on how to deal with the mental and emotional aspects. Thanks for sharing!

    1. Thank you, TwoToFIRE! Mental and emotional health are not talked about enough, thanks for pointing that out. Getting our finances in order, getting out of debt, having an emergency fund and saving for retirement will all have a huge impact on our emotions.

      Have a huge amount of debt and lose a job? It’s a terrible, stressful crisis! Debt-free with a nice cash emergency fund and a paid off house? Things are not quite as bad – it’s more of an emotional setback, not a crisis. I hope one side effect of the pandemic is that it motivates people to get out of debt and build up emergency funds (along with saving for retirement, of course!).

  19. Thank you for this! I’m having nightmares, too, and they’ve actually gotten worse since my state started to open back up. People are being insane out there. I’m glad to see that you’re being responsible and safe! I agree that this time has been an eye opener, and it’s the perfect time to take stock of our situations and get ready if possible. My retirement fund is pretty sorry, and this reinforces that I need to get on top of that.

    1. I’m sorry you’re having nightmares, too, Mrs. P&P! I’m trying to avoid the news (especially bad news) right before going to bed.

      It sounds like you are motivated to boost your retirement savings – you will be so glad you did! Check out some of the other posts on my blog for creative ways to continue contributing to retirement funds, or to catch-up retirement savings after a late start.

  20. Hi Kathy! I also am blessed that I’ve been able to work from home. It’s truly a blessing right now. I hope you’re able to get more regular sleep! That sounds not fun at all. We haven’t made any big changes investing. Still 401k, maxed IRAs earlier this year, and extra goes into brokerage. We’ve always been a couple that likes a hefty emergency fund so we keep a years expenses there. Hope things start looking up!
    -Rox – https://onplanrox.com/

    1. I’m so glad that you are able to work from home, Rox. My schedule is a little messed up, but I’m sure I’ll get back on track. Thanks for your concern! That is great that you have a large emergency fund, it really helps in times like these.

  21. Excellent post. For me, a great strategy is practising gratitude. Every day, I write down three good things that I am grateful for. Then, when I have a bad day, I go back and read them. It does make a difference.

  22. Enjoyed this post! I am lucky enough to work from home as well. I’m always looking for additional revenue streams. Just picked up a gig being a Teacher’s Assistant for an online school. Not a lot of money but it can lead to being a full time teacher at the school. Since I have the time, I’m doing it.

    1. Glad you enjoyed it, Heather! What a great idea to pick up a teaching assistant position online. With all the schools moving to online classes, I bet having an assistant to help out would be very needed. I have heard that online teaching for students from other countries who want to learn English can pay well. Having a few of these side jobs could really help financially.

  23. This was such a lovely read. You touched on two very important topics, finance & well-being (safety). I have been doing all of my shopping online (thank you Instacart) and plan to continue shopping online for awhile. I’ve also been exercising and walking almost every day to keep my mental and physical health in check.

    Loved your sister’s photo. It was much appreciated, haha 🙂

    Much love always,
    GABBY | http://www.gabbyabigaill.com

  24. Great post, thank you for writing about this. I am sorry for the bad dreams, I’ve been having some as well. I am one of the many now unemployed Americans. I like what you said about looking for the helpers. There is a quote I like by Tara Parker-Pope that says, “During a crisis, the people who cope best are those who help others.” I thinks that’s really relevant right now.

    1. Thank you, Clarissa! Sorry that you’re having bad dreams, too. And I’m very sorry to hear you’ve lost your job! Thank you so much for sharing that quote, I think it is very true. We tend to do better emotionally when we focus on helping others. So relevant right now. Hang in there!

  25. I’ve been having nightmares lately too, which I think is from stress as well! I love this post and all the strategies to help with physical health but also emotional health as well! Thanks so much for sharing with us!

    1. Definitely, Lindsey! I’m trying to avoid the crowds by doing as much of my necessary shopping online as possible. And it’s nice to score discounts & cash back through Rakuten while I’m shopping online. Most of the time, I can get free shipping and all those savings can be redirected to help me catch-up retirement savings.

  26. Great tips and I love the quote from Mr. Rogers! I am fortunate to still be employed as well, but I am facing a pay cut since I work for the government. I will definitely use your tips about staying positive and looking for positive news – I think we could all use a little brightness in our days right now.

  27. This is such a great post. I’ve enjoyed shopping online to support local small businesses too. It’s a great way to stay safe while still boosting the economy as well.

    1. Yes, it’s nice to be able to support local and small businesses. I think many small businesses have had to pivot to offer more of their services & products online. My yoga teacher had to learn all about Zoom in order to move her classes online, lol. Thanks for commenting, Charity!

  28. These are really good tips. I think it is important to not risk your health to save some extra cash when there are so many discounts etc. online. Thank you for sharing this post!

    Em x

  29. I love that Fred Rogers quote!

    Helping others also helps us focus outwardly rather than on ourselves – which is great for creating a more positive mindset.

  30. Love these tips. I’ve also found that limiting most of the news and social media is helping me stay calmer than I was at the beginning of all this. Hope you are staying safe and well through all this craziness!

  31. Great article! I like how you not only bring up money, but emotional/mental health too. Everything definitely all ties together in your life and when you fail in one, everything else seems to fall apart. Thanks for the post, people need this!

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