Unless you have been living under a rock or in outer space it’s no secret that the world is facing the worst financial crisis that we’ve seen in probably three hundred years. COVID19 has pushed us all to the absolute limit, mentally, physically and financially. I don’t know what the current situation is where you live, but in the UK things are pretty bleak with no real end in sight as yet. If you are lucky enough to have clung on to a job, then believe me you should thank you’re lucky stars because for many the harsh reality is that they have been plunged into poverty or barely making ends meet. If any of this ring true there is help for you out there. I’m no expert on all of this, but if I can use this platform to help at least one person then I can at least feel satisfied that I tried. With that being said, I have pulled together a brief outline of what’s available to help you during this trying time.
The Furlough Scheme
Furlough also known as the job retention scheme, was introduced by the UK Government in March to support those companies hit by the coronavirus. It works by temporarily assisting with paying the wages of people who are unable to do their jobs. The benefit of this scheme is that you are able to stay on the payroll even though you aren’t working. Your employer also has the option of topping up your salary if they choose to and must inform you if you have been furloughed. The Government have extended the scheme until October 2020 and further guidance is available. Read the guidance it’s imperative that you know what your rights are because when this all ends you need to be crystal clear about your employment status.
Help for the Self-Employed
The self-employed income support scheme (SEISS) was introduced in March to offer financial support to the self-employed during the Coronavirus. The scheme covers up to 80% of self-employed workers earnings (average taxable monthly profits). This scheme has faced much criticism because it’s only eligible to those who can provide their average profits over the past three years and a cap of £2500 has been placed on this, which is also taxable. This is not ideal if you are newly self employed but you might be able to get support from one of the many voluntary organisations.
Advice and Support
There are a number of organisations that are offering support for those who need it. The BritishRedCross Coronavirus Support Line . If you are finding it difficult to cope and might need support with accessing food and medication or dealing with the isolation, the BritishRedCross is there to help. There are other voluntary organisations that are doing the same such as Mind, Crisis, the Citizens Advice Bureau. If you need to speak to someone, do it because the loneliness can be unbearable. Contact your Local Authority and if that fails contact your local Member of Parliament they are there to help their constituents so hold them accountable. Whatever route you choose, get help If you need it and do not suffer in silence.
How You Can Support
If you are in a more fortunate position in this time of global crisis there are some things that you could do.
Volunteer
Check on your neighbours especially if they are elderly, vulnerable or live alone
Donate unwanted items or extra food items
Offer a skill, if you are a teacher offer free online tutoring, or if you have counselling skills
call someone who might be feeling lonely.
Donate PPE, if you can sew our NHS workers really need medical uniforms
Donate blood
Cut down on frivolous spending and be less wasteful
Be kinder to yourself and others
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