Advertiser Disclosure
Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card companies and banks from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. does not include all banks, credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Advertiser partners include American Express, Chase, U.S. Bank, and Barclaycard, among others.

10 Ways to Prepare for Future Surges of Coronavirus Infections


Additional Resources

When the COVID-19 pandemic hit, many people scrambled to stock up on food and supplies and cope with virus-related unemployment and lockdowns. We experienced firsthand the stark reality of empty grocery store shelves, lengthy school closures, and months stuck at home.

We’re all ready for the coronavirus pandemic to be over so we can get back to normal life — though many pandemic-created changes may be permanent. But all our wishful thinking won’t change reality. We experienced a second and third wave of coronavirus, and epidemiologists warn that future surges are a possibility.

COVID-19 infections are still sweeping through the United States, along with many other countries around the world. And knowing how to weather the next coronavirus surge is key to keeping your family safe and healthy.

The COVID-19 Winter Surge

The United States experienced a horrific winter surge in COVID-19 infections. CNN reported that January 2021 was the worst month on record for new cases and deaths.

Motley Fool Stock Advisor recommendations have an average return of 618%. For $79 (or just $1.52 per week), join more than 1 million members and don't miss their upcoming stock picks. 30 day money-back guarantee. Sign Up Now

However, the good news is that cases are currently declining in the U.S. The CDC reports that as of March 2, 2021, the seven-day moving average of reported coronavirus infections was 78% lower than the record high on January 11, 2021, and hospitalizations are declining. Of course, this downward trend could change due to the new COVID-19 variants beginning to circulate around the country.

In a Feb. 8, 2021 interview with CNN, Dr. Peter Hotez, dean of the National School of Tropical Medicine at Baylor College of Medicine, said he feels the U.S. is “in the eye of a hurricane” and that these new variants could cause another surge of infections.

And on March 9, 2021, CNBC reported that health officials are concerned about new COVID-19 variants that originated here in the United States. One is currently spreading in New York City. What’s more, the Center for Infectious Disease Research and Policy (CIDRAP) reports that CDC director Rochelle Walinksy is warning the U.S. could see a fourth surge due to these new variants.

Even though there is light at the end of the tunnel for the current pandemic and COVID-19 cases are going down, it’s still not time to let down your guard. Modeling by the Institute for Health Metrics and Evaluation projects 598,523 deaths in the United States by July 1, 2021.

Thankfully, vaccines are now available for certain segments of the population. However, there is good news. On Dec. 11, 2020, the Food and Drug Administration issued an emergency use authorization for the first COVID-19 vaccine. Since then, several other vaccines have been approved for use. Together, these vaccines provide some hope that the pandemic will come to an end.

But reaching that end will take time. State officials will give priority to health care workers and long-term care residents. Healthy adults will likely not be able to get a vaccine until May or June 2021. That means it will still be many months before enough people are vaccinated and we reach herd immunity.

According to CNN, the White House coronavirus task force has warned that vaccination won’t significantly slow the spread of the virus until at least late spring. This means personal behaviors such as wearing a mask, hand washing, and social distancing are still essential to stay safe.

On Dec. 9, 2020, Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Disease, spoke at an online event sponsored by the Harvard T.H. Chan School of Public Health called “When Public Health Means Business.” His prediction was that if the vaccine rollout is successful, we might experience some degree of normalcy by fall 2021.

Even then, however, we might not be finished with COVID-19. According to the CDC, epidemiologists currently don’t know how long a vaccine will provide immunity from the virus. And if many Americans refuse to get the vaccine entirely, the virus will still circulate freely and lead to more coronavirus infections. An April 2020 report by the CIDRAP, the COVID pandemic is likely to last 18 to 24 months. It might also come in the form of several waves of varying intensity.

In the report, CIDRAP used past pandemics’ behavior to outline three possible scenarios for the future of this one. Scenario 2, based on the behavior of the 1918 Spanish influenza pandemic and the 1957 influenza pandemic, predicts a much larger, more severe wave for the fall and winter, with several smaller waves occurring throughout 2021.

Of course, so far, the coronavirus is not following any predictable pattern. In a June 2020 interview on NBC’s Meet the Press, Michael T. Osterholm, the director of the Center for Infectious Disease Research and Policy at the University of Minnesota, says it is more accurate to compare the pandemic to a forest fire rather than oncoming waves. We can slow it down in some areas, but it will continue to burn in others as long as there is wood.

Although no one can predict how severe the next surge will be in the U.S., preparing for the difficult months ahead can help you feel more in control in an out-of-control situation. It can help ease any anxiety or stress you feel about the future and give you peace of mind that you and your family will have what you need if you’re quarantined again or experience food supply disruptions. It can also help you save money in the long run if you stock up on supplies slowly, protecting yourself from possible price spikes or inflation.

Getting Through Future Surges of COVID-19

If there’s any silver lining to the COVID-19 pandemic, it’s that we now have some experience with the reality of living through one. We can reasonably guess what might happen if coronavirus infections surge again. And that makes getting through that event a little bit easier.

There are several things you can do now and in the coming weeks to get through a future surge.

1. Stock Up on Food

Stop and think about all the items you couldn’t find when people began panic-buying in March and April of 2020. Some products that disappeared from store shelves include:

Some of these foods might be hard to find during a future surge, especially if your state issues lockdown orders. It’s smart to start stocking up as these items become available. Do what you can to start building a long-term food pantry for your family and stock up on what you need.

One way to do that is to keep enough food on hand that you only need to visit the grocery store every week or two. While that involves careful meal planning, it could be a valuable strategy to keep your family protected and healthy.

However, if your grocery budget is already stretched thin, that’s easier said than done, especially since food prices have gone up during the pandemic due to supply issues and processing plant closures. Stores have also reduced sales, discounts, and coupons because, with so many people spending extra money at the grocery store right now, they don’t have to work as hard to entice people to buy. That makes it even more vital you learn strategies to save money on groceries.

To save money, try shopping at discount grocery stores like Aldi or Shop ’n Save. You can also save money by buying in bulk at stores like Costco or Sam’s Club. And don’t forget about using smartphone apps like Ibotta and Fetch Rewards to save even more.

Another way to save money stocking up on food is to buy in bulk at your local farmers market and start home canning. Home canning is an affordable way to preserve seasonal produce or fresh foods you find on sale. You can also preserve your farmers market finds by using them to make freezer-ready meals.

2. Stock Up on Supplies

Hand sanitizer is another product that disappeared during the first wave. Some stores are slowly getting sanitizer back in stock. However, it might be more expensive than it used to be due to increased demand.

You can save money by making homemade hand sanitizer. However, the critical ingredient, rubbing alcohol, is still hard to find in some parts of the country. If it’s available in your area, grab an extra bottle or two to have on hand.

It’s also a good idea to stock up on other supplies that were hard to find during the first wave of the pandemic. These supplies include:

  • Toilet paper
  • Paper towels
  • Cleaning supplies like disinfectant spray (like Lysol), bleach, and sanitizing wipes (such as Clorox wipes)
  • Over-the-counter medications to treat flu symptoms and coughs

3. Learn to Be More Self-Sufficient

Learning how to be more self-sufficient can also help you weather a future COVID-19 surge. For example, many people learned how to bake their own bread at home when they could no longer find bread in the grocery store. Others began cooking meals from scratch for the first time. Other frugal money-saving skills, many straight out of the Great Depression era, can also help.

For example, you can start a home garden. Growing your food is the least expensive way to feed your family, and if you have a freezer, you can preserve your harvest to eat during the winter months. Even starting a few container gardens or growing sprouts at home can help offset your food bill.

If you don’t have space for a full garden, grow herbs. Fresh herbs are expensive to buy in the grocery store, but they’re relatively easy to grow at home. You can save money by growing herbs and either drying or freezing them for the winter. And many herbs grow quite happily all winter if you put them on a sunny windowsill.

4. Build a Comprehensive First-Aid Kit

Do you have a well-stocked medicine cabinet and first-aid kit at home? Many people don’t.

While being prepared to handle small emergencies is important at any time, it’s essential during a pandemic. During the winter surge, urgent care centers and emergency rooms were overflowing with sick patients, making them the last place you’d want to take a sick or injured family member if you could help it. If the U.S. does see future surges of the virus, chances are high that the health care system will be overwhelmed with sick patients again.

Start now building a comprehensive medicine cabinet with supplies to handle minor to moderate illnesses and injuries. Make sure you have over-the-counter medications to help treat the symptoms of influenza. Right now is also an excellent time to stock up on natural flu treatments like elderberry syrup, which is often hard to find during the fall and winter flu season.

You can also keep your family healthy by boosting your immune system starting now. Simple steps, like exercising regularly and eating healthy, fresh food, can lower your risk of getting sick.

5. Buy Extra Face Masks

During the first wave of the pandemic, personal protective equipment (PPE) like face masks sold out quickly and remained out of stock for months. Many people had to make their own face masks and other PPE, especially in cities like New York that made mask-wearing mandatory.

Even though many states are trying to reopen, there are still restrictions on many establishments, like restaurants and gyms. This is another reason why it’s critical that you have extra face masks.

You can now buy reusable face masks online, so buy a few extra when they’re available. The CDC currently recommends you wear:

  • Nonmedical disposable masks
  • Masks that fit properly, with no gaps around the sides of your face
  • Masks made with breathable fabric
  • Masks made with tightly woven fabric (no light passes through)
  • Masks with two to three layers
  • Masks with inner pocket filters

Another option is to purchase the supplies you need to make a homemade face mask. During the first wave, simple materials like elastic and HEPA vacuum filters were hard to find because so many people were making masks. Buying what you need now ensures you’ll have it if you need to make new masks in the months to come.

6. Prepare for Distance Learning or Homeschooling

Many schools closed abruptly during the first wave of the pandemic, leaving parents scrambling to handle child care and distance-learning needs at the same time.

If cases spike significantly in your area, schools could close again, so prepare for an extended school closure. How will you handle child care and home learning if that happens? What worked with your child’s distance learning the first time around? What didn’t? What books, tools, or supplies would have helped make the process easier?

If your child will use distance learning in the event of school closures, now is a good time to invest in a new laptop or tablet. Use an Amazon price tracking website, like Camelcamelcamel, or the Capital One Shopping browser extension, to find a better deal. When you’re shopping on Amazon it will look for better prices at other retailers. Remember, if schools close again, parents around the country will likely rush to buy laptops and other learning tools, which means these items could be back-ordered for a significant length of time. If you need to upgrade, do it now.

If you’re a teacher, start planning for an extended closure in the months ahead. Planning ahead can help you avoid some of the confusion that resulted during the first round of last-minute closures. Our article on resources for schools and teachers during COVID-19 closures has resources both parents and teachers can use to find distance-learning equipment and software, as well as websites to help low-income families get set up for distance learning.

Many parents around the country are making the switch to permanent homeschooling out of safety concerns and the realization their children learned quite well at home. According to a September 2020 survey of 310 parents by Homeschool Expert, a resource for home-schooling families, 50.22% of parents were “very or extremely concerned” about the health and safety of their children at school. And 84% of parents have reduced their work schedule to provide education to their children, with 43% having reduced their hours between 25% and 50%.

As more parents plan to homeschool, some supplies and curriculums might be hard to find. If you’re planning to homeschool in the next few months, research your curriculum now so you have everything you need in advance.

Capital One Shopping compensates us when you get the browser extension using the links provided.

7. Prepare to Work From Home

Studies indicate that 42% of the U.S. labor force is now working from home full time. And many employers are considering making this transition permanent to save money, enforce physical distancing guidelines, and keep their teams healthy.

You can be more productive working from home if you have the tools and space to work efficiently. Prepare to make working from home more permanent by investing in the furniture and tools you need for a comfortable home office.

If you’re a manager or entrepreneur, you also need to consider what to do if you or your company decides to make working from home a permanent arrangement or if the virus forces another transition to remote work. Make an emergency plan for remote office work so that if your state issues another round of stay-at-home orders or people on your team fall ill, you’re prepared.

8. Build Your Emergency Fund

The general rule is that in normal times, you should have at least three to six months of living expenses saved up in your emergency fund. However, pandemics are far from normal, which means you should have even more put back in savings just in case you lose your job or experience a medical emergency.

Start right now putting as much money as you can into a high-yield savings account at CIT Bank. If you experience financial hardship from losing your job or having your hours cut, this money could help you and your family stay afloat and avoid taking on debt.

If you freelance, do seasonal work, or have several side gigs, it might seem impossible to put money away right now. However, there are many strategies you can use to build an emergency fund on an irregular income. Even setting aside $50 per month can help build savings.

9. Secure a HELOC

If you own a home and worry your job might not survive the pandemic, consider applying for a home equity line of credit (HELOC) through

With a HELOC, you don’t have to use the money right away, but it’s available if you do end up losing your job. This line of credit could help you pay bills and put food on the table if your finances get tight.

However, consider the pros and cons of using a HELOC before you sign up for one. You will have to repay the money you borrow, and if you’re still struggling financially when the draw period ends, you could lose your home.

10. Get a Flu Shot

Getting a flu shot might help protect you from getting the influenza virus or experiencing severe complications that could lead to an expensive hospital stay. Additionally, it’s in everyone’s best interest to stay out of the hospital, where exposure to secondary infections or even the COVID-19 virus itself is a serious risk.

Final Word

No one wants to think about having to endure several more months of COVID-19. Around the world, everyone is ready for things to start reopening and this pandemic to be over.

Although vaccines are currently being administered, we still need to focus on preparedness, hunker down, and continue to practice safe habits like wearing a mask and social distancing. And preparing as best you can for future COVID-19 surges will help ensure you and your family have the money and supplies you need to weather challenging times.


Sign up for a CIT Bank Money Market Account and earn 1.00% APY + receive a free year of Amazon Prime. No monthly service fees.

Stay financially healthy with our weekly newsletter

Heather Levin is a writer with over 15 years experience covering personal finance, natural health, parenting, and green living. She lives in the mountains of Western North Carolina with her husband and two young sons, where they're often wandering on frequent picnics to find feathers and wildflowers.