As an appraiser/consultant/restorer I work out of my home.  Therefore, while I've had no work since mid-March, 2020, my "rent" is my mortgage, which along with all my standard monthly and seasonal bills except property taxes and electricity is fixed.  The good news is that my current "income" consists of fixed-amount pensions that so far cover those fixed expenses.   The potentially bad news is that non-fixed monthly expenses such as food, gas, and the unforeseen continue to rise, if variably.  The end result is that I'm luck to have $50 left at the end of each month, adding to my savings account is a thing of the past, and I had better be back to work by mid-2021.

Bill Lawrence