So did you receive your check yet? My wife and I did, through direct deposit. As promised by the government, $600 per person. I put it straight into our savings account. If you are in debt, I would use it to gain traction on your debts. Pay off your small loans or credit cards and call to cancel them and cut them up. Get it past you and move forward using cash instead of credit cards. Break the bad spending habits and enter the new wealth habits.