I'm splitting my stimulus check in 3: savings, donations, and spending - Business Insider

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'To spare my sanity and prevent bursts of overspending later, I've allowed myself to burn a bit of cash for the cheap thrill.'

a few weeks ago, I mulled over how to best use it. With so much uncertainty about the future of the economy, my initial reaction as a longtime, diligent saver was to squirrel all of it away.

After some internal back-and-forth and wrestling with the fact that the wise thing to do is tuck away my entire stimulus check into savings, I landed on a compromise. I'd put $600 into my savings, and spend the remaining $600 since I'm still able to work through the pandemic.While making a living as a full-time freelance writer means dealing with inconsistent income, since the pandemic spread to the US, there have been some shake-ups with clients I write for.

I've made donations to a freelancer relief fund to help fellow freelancers whose income has dwindled due to the pandemic. I've also been supporting a "quarantine canteen" in the town where I live. Each week a featured restaurant serves meals to members of the community for free.We're bound to get bouts of cabin fever while we're cooped up in quarantine.

I've also used some of that money to help friends with small businesses who could use a boost. For example, for Mother's Day, I ordered a bouquet of special balloons from my friend's local party supply shop. Once that $300 is gone, I'll rework my budget to see how much I can afford to spend on non-essentials each month.

 

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If your income qualifies you for a stimulus check - you shouldn’t lecture anyone on how to use money. Full stop.

Believe it or not I'm gonna be using it to pay back taxes. The irs has been on my ass and have been on the run.

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