Never spend before you have it
Whether we're going to get another stimulus check still hasn't been decided. Unfortunately, that hasn't stopped some folks from running up their credit cards or raiding their savings unnecessarily, because they think it can all be replaced or paid off once their second stimulus check comes in. These are hard times and I'm not talking about paying the bills or buying life-sustaining necessities. I mean throwing down money on expensive extras. Some folks struggle with frugality, especially when they think a windfall is coming in. Here's the thing, you can never count on money until it's in your hand. Those people are going to learn a hard lesson if the second stimulus check isn't approved. I recorded this message for my family today - never spend money before you have it.