If you have not succeeded at saving 3 to 12 months expenses as the experts talked until their tongue was exhausted now you need to hurry up and eliminate all non essential things you have collected.

Some family have an extra car, an extra motorcycle, broken jewelry or dated that can be transformed to cash. Also, will remove the insurance bill for the extra car or motorcycle that you sold.

Return to basics cook more at home with the family and try your "new dish" that you got from a friend or favorite cook book and save on expensive dining or wedding(now that there is isolation requirements). Postponed travel plans and save to help reach 3 to 6 months emergency fund.

Also, you can borrow from your 401k plan (up to 50%) on some plans or cash some funds from your 401k now that government said it okay and won't charge extra penalties for the allowed maximum withdrawal believe is $2,000 check with CPA on this.

Get a Part time in your local Supermarkets/ Amazon delivery/ Walmart stores.

Try to Conserve electricity/ water/ Gas to receive less amounts on your bills than before. Also can shop around for cheaper utilities if available in your area.

Do not buy expensive Phones or Computers just because there is a new model launched instead  keep yours a little longer to avoid using your cash or to receive new bills that will drain your funds.

Drinking & Smoking habits can run several hundred dollars a month try the good Lemonade instead(water you have and Lemon is  25c each). reduce the cigarretes per day to a minimum ($6 a pack is expensive) and it will be healthier for you too.

Avoid any luxury items there is so many shoes and purses that you can use a day...and you have many in your closet ...No need to buy another shoe or purse.

Do your own maintenance to your car...washing it takes 20 minutes and you do exercise an avoid paying $7.00- $21.00 per car.

Postpone buying high ticketed items such as cars, suv's, boats, 4x4 wheelers, Furniture, etc use the same you have a bit longer.

Make sure you pay bills on time ...forgetting payments could relate to late fees