Many people are coping with unemployment, furloughs or just reduced income this year.
So it can be frustrating when a business suddenly adds a surcharge to your bill because of the pandemic.
We look at why this is happening now so you don't waste your money.
Next time you visit a hair salon, or even your dentist, check your receipt carefully.
Many consumers are being surprised by COVID-19 surcharges ranging as high as $5 a visit.
Remember fuel surcharges when gas was $4 a gallon?
Get ready to pay a COVID-19 surcharge at more and more businesses.
FedEx and UPS are the latest to add a small surcharge due to their extra safety costs right now, luckily it's just a few cents.
But Business Insider says a growing number of restaurants are starting to add surcharges of a dollar or two to bills.
And diners are not happy: posting their unhappiness on social media.
Doctor and dentists offices and hair salons have also been adding COVID surcharges as high as $10 a trip.
For all the personal protective equipment and plexiglass dividers they have to buy.
But from the doesn't that stink file ...
The fact your health insurance may not pay the surcharge, if you are hit with it at the doctor or dentist's office.
It may instead be an out of pocket expense, and if money is tight that stinks.
But in the end, someone has to pay for all that plexiglass and protective gear, and lawyers say surcharges are legal.
Before you yell at your dentist, talk to them about how much money COVID protection is costing them.
You may find out it's worth paying so you don't waste your money.