Extra support for people affected by drug and alcohol use

Extra support for people affected by alcohol and drug use during the coronavirus (COVID-19) pandemic has been announced by the Minister for Public Health Joe FitzPatrick.

Funding of £166,000 from the Scottish Government will support:

• a programme to increase access to naloxone in new settings, including investment in kits to add to the existing outlets for naloxone supply
• increased capacity within the Know the Score helpline and webchat service
• a COVID-19 publicity campaign signposting support for alcohol and drug users during the pandemic
• funding to link people with others in recovery through the Scottish Recovery Consortium

Help will also be available for those affected by another’s alcohol and drug use through the Supporting Families Fund. This includes a discretionary emergency fund for families, online wellbeing activities, family meals, wellbeing packs and counselling support.

Mr FitzPatrick said: “Responding to the coronavirus pandemic is one of the biggest challenges of our lifetime and it will disrupt so many lives like never before. Protecting and supporting everyone during these unprecedented times is our priority.

“We’ve worked closely with organisations on the frontline to create this package of measures to ensure we continue to support those affected by alcohol and drug use.

“By working together and observing the latest guidance, we can all play our part in keeping everyone safe.”

Ric sings his heart out to raise money for Heart Research UK

A long term supporter of national charity Heart Research UK is hosting a live Facebook concert to raise funds for the charity and help to raise the spirits of the nation.

Ric Cipriani, from Cheltenham, will be grabbing his guitar and singing his heart out from 7 – 8pm tomorrow (Wednesday 8 April), live on Facebook.

Ric first became involved with Heart Research UK six years ago, after his grandfather sadly passed away due to heart disease.

Since then, he has raised over £15,000 for the charity, running marathons, dressing us as Santa, and playing charity gigs. Ric will also be taking part in this year’s London marathon alongside his son, Daniele.

Ric had initially planned to do a number of physical gigs in the UK as well as the United states to raise funds, but this was postponed due to the ongoing Coronavirus pandemic.

So, he is taking his skills to the web and asking participants to make a donation to Heart Research UK instead.

“I love singing, and this is a great way for me to try and raise some much-needed funds for a charity that is very close to me, and also try to make some people smile in these difficult times,” said Ric.

“I have friends all over the world who will be tuning in, especially my family over in Italy who I hope will all be singing along with me.

“After my grandfather passed away, I knew I wanted to help his memory live on. I’ve also recently lost a dear friend to a heart attack, so it’s really important to me to be able to raise funds for such a vital cause.

“Because I’ve been involved with Heart Research UK for such a long time now it’s always fun to try and think of new ways to support them!”

Music fans can expect an eclectic mix of tunes, ranging from Eric Clapton and U2 to Radiohead, Fleetwood Mac and Oasis.

All the money raised will support Heart Research UK’s pioneering medical research into the prevention, treatment and cure of heart disease, the nation’s single biggest killer.

You can sign up to watch the event here – https://www.facebook.com/events/151990389473700/

Universal credit: Emergency boost needed

The last few weeks have seen an unprecedented change in the economic situation of the UK (writes the TUC’s KATE BELL). Since the Prime Minister announced a full ‘lockdown’ on the 23rd March, economic activity in the UK has been rightly restricted in the service of protecting public health.

The TUC has clear priorities throughout this crisis. First, to ensure that public health is protected. Second, to protect workers’ jobs and livelihoods.

Following calls from the TUC and unions the government has announced welcome schemes to try to keep people in work. Protecting jobs must be the first step to protecting incomes and ensuring the country can get back on its feet when the crisis subsides.

But there is still more to do to ensure everyone who is sick gets the income support they need and support the livelihoods of those who do lose their jobs.

Our safety net has been dramatically undermined after years of underinvestment. The UK has avoided mass unemployment since the recession of the early 1990s, and the devastating unemployment of the early 1980s. Those experiences left deep scars, which we are still seeing the legacy of today. It is vital the government does everything it can to keep people in work now.

But even in the 1990s, our safety net was stronger. In 1993, the last time the unemployment rate went over 10 per cent, the basic rate of unemployment benefit was worth around a fifth of average wages. In 1984, when unemployment was over 11 per cent, the benefit was worth a quarter of the average wage. And in 1979, it was worth 30 per cent of the average wage. Today – even after the welcome recent increase by £20 a week – the basic rate of universal credit is worth around a sixth of average weekly pay (17 per cent).

UC

The UK system also compares poorly to the support provided internationally. In most European countries, unemployment benefits are related (at least in the initial period of unemployment) to previous wages to cushion income shocks, ranging from 60 per cent of previous wages in Germany to 90 per cent in Denmark.

In a new report we call for a new plan to fix the social safety net, building on our previous reports on sick pay, a job retention scheme, and support for the self-employed. We call on the government to urgently raise the basic level of universal credit. Restoring ‘replacement rates’ to the level seen before the long dismantling of the safety net began in the 1980s, would mean increasing the payment of universal credit to £165 a week – around 30 per cent of average wages.

But we think the government should be more ambitious to protect against this income drop. We recommend raising the basic rate of universal credit for this period to the value of 80 per cent of weekly earnings at the national living wage – or £260 a week.

In addition government should:

  • Suspend any conditionality requirements with universal credit, as well as parts of the application process. Applications for universal credit are being delayed by the need to carry out a telephone appointment with a work coach. The requirement to hold a phone interview should be suspended, in addition to any work-related conditionality within the Universal Credit system.
  • Remove the savings rules in universal credit to allow more people to access it.
  • End the five week wait by converting emergency payment loans to grants.
  • Significantly increase Child Benefit payments. Child Benefit is the simplest, quickest and most effective way to get money to households with children. The level has long been too low. This payment would also recognise the additional costs many parents will face with having children at home because schools are closed.
  • Ensure nobody loses out as a result of these changes. The benefits cap should be lifted so that these increases do not just mean a change in the composition of the benefits someone receives. As well as this, no one on legacy benefits should lose the protection of the managed transition to UC as part of this change.
  • Remove the minimum hours requirements in working tax credits. Families still claiming tax credits must work a minimum number of hours to be eligible. This rule should be removed with immediate effect.

Government has acted swiftly to protect jobs. But for those who do lose work it’s vital the safety net is strengthened – fast.

NHS Lothian ‘under significant strain’

The latest NHS Lothian board papers warn its “total capacity will be under significant strain throughout April and probably beyond” (link).

The papers reveal the estimated cost of dealing with coronavirus for the board and local social care alliances is £80m, but that figure was of 17 March.

Officers from the Royal Marines and British Army are supporting the health board’s executive team as well, it is revealed.

The papers also show that urgent cardiac surgery is now being carried out at the Golden Jubilee National Hospital in Clydebank.

Lothian MSP, Miles Briggs, said: “It is very concerning that NHS Lothian is going to be under such significant strain over the next few months.

“NHS Lothian were already facing significant challenges in delivering service before the Coronavirus outbreak and are now facing even greater challenges.

“It’s welcome during these difficult times that our NHS can call on the help of our UK armed forces.

“The Scottish Government and NHS Lothian must work together during this crisis to support NHS staff to provide the best possible patient care at this extremely challenging time.”

Emergency help for those worse affected by coronavirus

People most at risk from the impacts of the coronavirus outbreak are to receive further support following emergency investment in crucial services.

Charities Scottish Women’s Aid, Social Bite (above) and other key partners will share up to £8 million to provide an emergency response and ensure services can react to coronavirus (COVID-19).

Disadvantaged groups facing hardships such as homelessness, food insecurity or social isolation and loneliness are among those to benefit from services such as:

• emergency accommodation in Glasgow and Edinburgh
• the provision of food and essential supplies to vulnerable groups in Edinburgh, Glasgow and Aberdeen
• public health information translated into British Sign Language (BSL) and the creation of an easy, one-stop shop approach for BSL users
• online and telephone support for both older people and young people, and more isolated members of the LGBT community, to improve mental resilience and wellbeing

This investment is part of the Scottish Government’s wider £350 million Communities Funding to help those most affected by the pandemic.

Communities Secretary Aileen Campbell said: “We are facing an unprecedented situation that requires a practical response – at scale and pace – to help people most at risk in our community. We must do all that we can to protect the health, welfare and wellbeing of the people of Scotland.

“These significant national investments are helping to strengthen the support available to individuals and ensuring that key services are available for those most in need.

“We are continuing to work with partners, including community organisations to ensure funding reaches those best placed to provide support.”

The Scottish Council for Voluntary Organisations (SCVO) receives an award of £3 million. SCVO Chief Executive Anna Fowlie said: “I am delighted that Aileen Campbell, Cabinet Secretary for Communities and Local Government, and her colleagues in Scottish Government have listened to the voices from the voluntary sector looking for urgent support at this time of unprecedented uncertainty.

“The measures announced today will go a long way to helping voluntary organisations through the immediate pressures, which of course means that they can continue to rise to the challenge of supporting people and communities across the country.”

Scottish Women’s Aid has been allocated £1.35 million and there’s over £226,000 for Rape Crisis Scotland. The Child Poverty Action Group is awarded £105,000.

The £350 million Communities Funding was announced by Communities Secretary Aileen Campbell on 18 March 2020.

Since it was announced more than £100 million of new support has been delivered to local authorities to assist their efforts. This includes £50 million in hardship funding, £22 million to bolster the Scottish Welfare Fund, and £30 million from the Food Fund.

An additional £23 million is held in reserve for the Scottish Welfare Fund and will be targeted to where it is most needed. £50 million is also in reserve to meet increased demand for Scottish Social Security and support through the Council Tax Reduction Scheme.

The Third Sector Resilience Fund, worth £20 million, launched on the 25th of March.

The full list of the projects to be awarded a share of the funding is:

Organisation Amount Brief outline of project
Young Scot £46,992 Young Scot will deliver Covid-19 information and social media support for young people.
Who Cares? £175,132 Support for the Care Experienced Community.
British Deaf Association Scotland £26,212.50 Public health information to be translated into British Sign Language (BSL) and for there to be an easy, one-stop shop approach for BSL users to find official information
Scottish Women’s Aid £1,350,000 Deliver increased provision of support
Rape Crisis Scotland £226,309 Deliver increased provision of support
Child Poverty Action Group £104,877 Ensure the most up to date advice and support is disseminated to advisors to support families in need through increasing staffing levels; provision of IT equipment to facilitate the move to home provision of support; development and delivery of webinars to a group of front line advisors; subscription costs, development of benefit advice bulletins and increased advice line capacity.
One Parent Families Scotland £100,000 Deliver increased provision of support
Simon Community £296,000 Securing emergency accommodation in Glasgow and Edinburgh to support vulnerable people through the COVID 19 Crisis. Their actual funding proposal shows this is for two months
Simon Community £21,290 Extra accommodation in Edinburgh
Glasgow Night Shelter £153,500 Destitute Asylum Seekers – Emergency accommodation response for destitute asylum seekers
Age Scotland £80,000 Helpline costs
Gypsy/Travellers – Various Partners £73,600 Deliver increased provision of support
LGBT Health and Wellbeing £10,000 Provide telephone support to more isolated members of the LGBT community, with a particular focus on older LGBT people and those experiencing digital exclusion, and expand their LGBT Helpline Scotland from 2 to 4 days per week.
LGBT Youth Scotland £41,500 To improve support for the LGBTI community in Scotland, particularly those aged 13-25, throughout Covid-19 through accelerating development of a Digital Youth Work platform, including learning hub to offer improved support, help them develop greater resilience in relation to their mental health and in time, new skills and strengths.
BEMIS £56,100 To provide access to essential food to diverse minority ethnic communities across Scotland through a network of organisations via a Small Grant Sustenance Fund and emergency grant relief to individuals and families or those supporting them directly such as foodbanks.
Befriending Network £6,333 Additional staff costs to support befriending organisations
Glasgow Disability Alliance £85,800 Additional staff costs for telephony and online support
Equality Network £3,932.82 To provide Zoom accounts to allow regional LGBT groups to stay in contact, many of whom have members who are socially isolated for a number of reasons
SCoJeC £4,650 The proposal has 3 parts: 1. Connecting with Jewish Communities (£2,750), 2. Crisis Hardship Fund (£2,000) and 3. Providing food packages urgently for Passover (£1,900) totalling £6,650.
DeafBlind Scotland £30,000 To produce information in Braille, Moon, XXL print, BSL videos or audio CDs; increase access to advocacy and advice staff to help people understand what support is available to access grants and support; and to increase home visits for Deafblind people who don’t have self-directed support.
Social Bite £500,000 The provision of food and essential supplies to vulnerable groups in Edinburgh, Glasgow and Aberdeen through the Covid-19 crisis
FareShare £500,000 To purchase and distribute ambient food
Cash For Kids £500,000 To give vouchers/cards to families for essential items including food and fuel
Food Train £241,515 To respond to the increased demand for older people seeking home delivery of food
Coalition with support from the Scottish Council for Voluntary Organisations (SCVO) Up to £3,000,000 The Scottish Government is working with SCVO as part of a coalition programme to ensure funding gets to community groups
Intercultural Youth Scotland £22,296 Provides for a range of activity to support young minority ethnic people, particularly around mental health support and careers support
Barnardo’s £178,000 To provide direct support to 2,100 children, young people and families with an estimated distribution of £23k per week, plus £40k across the period to support capital spend (e.g. laptops/phones/activity packs to support school work and reduce social isolation). Barnardos’ is working with Action for Children to ensure a cohesive approach is taken across Scotland.
Action for Children £202,000 To support over 20,000 children and young people, including disabled children, care experienced young people, and young carers, and their families, through a two-tier response: i. Welfare Response and Emergency Fund which will distribute funding support to young people and families and ii. Wellbeing Response and Safeguarding Capacity which will increase the organisation’s capacity to protect children, young people and families at greatest risk who may be more isolated than ever due to the current situation.

Total: £8,036,039.32

Boris Johnson in Intensive Care as his condition worsens

Downing Street issued the following statement last night:

Since Sunday evening, the Prime Minister has been under the care of doctors at St Thomas’ Hospital, in London, after being admitted with persistent symptoms of coronavirus.

Over the course of this afternoon, the condition of the Prime Minister has worsened and, on the advice of his medical team, he has been moved to the Intensive Care Unit at the hospital.

The PM has asked Foreign Secretary Dominic Raab, who is the First Secretary of State, to deputise for him where necessary.

The PM is receiving excellent care, and thanks all NHS staff for their hard work and dedication.

There has been no change to his condition overnight.

A further statement on the Prime Minister’s health is expected later today.

Free Coronavirus Information book for children

Axel Scheffler has illustrated a digital book for primary school age children, free for anyone to read on screen or print out, about the coronavirus and the measures taken to control it.

Published by Nosy Crow, and written by staff within the company, the book has had expert input: Professor Graham Medley of the London School of Hygiene & Tropical Medicine acted as a consultant, and the company also had advice from two head teachers and a child psychologist.

The book answers key questions in simple language appropriate for 5 to 9 year olds:

• What is the coronavirus?
• How do you catch the coronavirus?
• What happens if you catch the coronavirus?
• Why are people worried about catching the coronavirus?
• Is there a cure for the coronavirus?
• Why are some places we normally go to closed?
• What can I do to help?
• What’s going to happen next?

We want to make sure that this book is accessible to every child and family and so the book is offered totally free of charge to anyone who wants to read it.

However, we have suggested, at the back of the book, that families might make a donation to help our health service if they find the book useful: https://www.nhscharitiestogether.co.uk/.

Kate Wilson, Managing Director of Nosy Crow, said: “We were very aware that many parents and carers are struggling to explain the current extraordinary situation to children, many of whom are frightened and confused.

“We thought that the best thing we could do would be to use our skills to produce a free book to explain and, where possible, reassure children. We asked Axel, whose work is so familiar and so loved, to illustrate it. He was happy to do it, and did it extraordinarily quickly.

“Meanwhile, having heard Professor Medley interviewed by the BBC, we looked him up and wrote to him, and despite his huge workload, he reviewed the book over a weekend, and we were able to incorporate his suggestions, together with those of two head teachers and a child psychologist, into the final version of the book. We hope it helps answer difficult questions in difficult times.”

Axel Scheffler, illustrator of The Gruffalo, said: “I asked myself what I could do as an children’s illustrator to inform, as well as entertain, my readers here and abroad. So I was glad when my publisher, Nosy Crow, asked me to illustrate this question-and-answer book about the coronavirus.

“I think it is extremely important for children and families to have access to good and reliable information in this unprecedented crisis, and I hope that the popularity of the books I’ve done with Julia Donaldson will ensure that this digital book will reach many children who are now slightly older, but might still remember our picture books.”

Professor Graham Medley, Professor of Infectious Disease Modelling at the London School of Hygiene & Tropical Medicine, said: “This pandemic is changing children’s lives across the globe and will have a lasting impact on us all.

“Helping children understand what is going on is an important step in helping them cope and making them part of the story – this is something that we are all going through, not something being done to them.

“This book puts children IN the picture rather just watching it happen, and in a way that makes the scary parts easier to cope with.”

You can download a copy of the book here 

Coronavirus crisis: local government unions call for consistency

Scotland’s leading trade unions in local government are calling on First Minister Nicola Sturgeon to take urgent action to address the inconsistent approach being taken by local authorities, which could risk lives.

UNISON, Unite and GMB collectively represent over 120,000 workers in local authorities across Scotland, many of whom are on the frontline delivering essential services and providing care to vulnerable groups.

The trade unions have been involved in ongoing discussions with the Convention of Scottish Local Authorities (COSLA) on their response to this crisis, but are increasingly concerned that the lack of urgency and consistency is now putting service users and workers at risk that it now requires the First Minister’s direct intervention.

In a letter to the First Minister the trade unions are highlighting a number of key concerns including:

  • Personal Protective Equipment (PPE) – Ongoing concerns regarding the availability and quality of PPE for workers. There are specific issues regarding the availability of PPE for those working with vulnerable users in home care settings and the need for urgent clarification over the self-isolation for workers who have been in close contact with service users confirmed as having the virus.
  • Testing Workers – There is an urgent need to test frontline workers in accordance with WHO guidance. There appears to be no strategy or consistency currently about when tests will be rolled out and who will be tested.
  • Social Distancing– Serious concerns continue about the ability of workers to observe social distancing measures at work.  There are particular difficulties with workers being told to travel to sites in the same vehicle – in waste and home care services in particular.
  • Key Workers– The need for greater clarity around who meets the definition of a ‘key worker’ because there are many situations where some workers in some authorities are being deemed ‘key workers’ and others are not.
  • Waste Collection– The need for a one nation policy on residential waste collection. 32 local authorities are doing different things – some maintaining a full service, others closing all waste and recycling centres.

The Joint Trade Unions state:  “UNISON, Unite and GMB have been raising a number of key concerns in relation to the inconsistent and potentially dangerous approach to dealing with the Covid-19 pandemic with COSLA.

“We believe that local government workers, and those in the third and private sectors, delivering our essential services must be protected in terms of their health both physical and mental. To date this is not being done anywhere near effectively enough.

“We are on the brink of the peak of the pandemic and still there exist major concerns over the availability, and guidance around the use of, personal protective equipment – particularly in the social and residential care sector – testing of frontline staff, the difficulties in workers being able to observe social distancing at work and the definition of who is a key worker.

“The trade unions appreciate that this is an unprecedented time but the lack of national, consistent, guidance in these areas has the potential to put lives at risk.

“We need a national co-ordinated response – the First Minister needs to lead the effort to ensure that national guidance is both clear and consistently applied by local authorities.”

North Edinburgh community effort gets support to the vulnerable

North Edinburgh groups work together to support vulnerable residents 

It started with a meeting called by local activist Willie Black at West Pilton Neighbourhood Centre on 18 March. That initial discussion got the ball rolling, lit the fuse. From there, there were email from Spartans’ chief exec Douglas Samuel, quickly followed by another from local Lifelong Learning Development Officer Allan Hosey. A community campaign was building …

The idea? To coordinate a local community response to the unprecendented challenges posed to vulnerable people by the coronavirus.

Despite years of funding cuts, North Edinburgh retains a wealth of voluntary sector organisations able to adapt to changing circumstances, so who better to take on this major logistical challenge?

While individual community groups initially started their own support schemes for local folk through Muirhouse Millennium and Drylaw Neigbourhood Centres, pooling resources and sharing information offered a unique opportunity to devise and deliver a bespoke plan to ensure that North Edinburgh’s most vulnerable residents would not go hungry or be without basic essential supplies.

That was mid-March and three weeks later, following a regular series of Zoom meetings, hundreds of local people are seeing the benefit of local organisations working together in partnership.

A co-ordinated community response to the greatest public health emergency of our lives is now fully operational and is constantly being fine tuned as new information becomes available.

Hundreds of hot food, sandwiches and essential supplies pack deliveries are now being distributed from community hubs to all who need them on a daily basis, provided by project staff and a dedicated team of community volunteers.

Reflecting on progress so far, Spartans’ Dougie Samuel said: “It’s been great to be able to play our part in a wider community effort to help and support local families.

“The Academy has become a hub for the collection and redistribution of daily lunches and weekly food parcels for members of our community. In a true ‘bottom-up approach’ numerous community partners have come together to provide a co-ordinated support over these past few weeks.

“I’m super proud of the way in which numerous organisations, many of whom who did not have close day-to-day relationships previously, are pulling together as one.”

Among the community organisations involved in the sexily titled (!) North Edinburgh Cov-id 19 Foodshare Group are: Drylaw Neighbourhood Centre, Drylaw Rainbow Club Daycare Centre, Fresh Start, Granton Community Gardeners, LIFT, Muirhouse Millennium Community Centre, North Edinburgh Arts, Pilton Community Health Project, Pilton Equalities Project (PEP), SCRAN Academy and The Spartans Community Football Academy. There may be more and apologies if I’ve missed you!

Local politicians and community councillors are also taking a leading role and community organisations like Granton Information Centre continue to provide advice and support for vulnerable people during these anxious times.

Willie Black, who continues to chair the foodshare group’s regular Zoom meetings, said: “Local People and organisations are working flat out and this has been a huge community effort. 

“The biggest challenge facing us now is that of capacity. We need the politicians to get us the resources we need to keep the momentum going, because there’s no doubt the demand will increase in the days and weeks ahead.

“In particular we  urgently need additional kitchen capacity and accessible community space for storage.

“News of additional government funding is very welcome and it’s key that this gets down to grassroots level as quickly as possible to enable this vital initiative to continue.”

The next Zoom meeting will take place on Thursday.

At the outset of the lockdown, social enterprise SCRAN Academy,  based at Fet Lor Youth Club on Crewe Road South, launched a crowdfunding appeal to raise £12,000 to provide hot meals for those who need them.

Deliveries commenced on 20 March.

SCRAN’s John Loughton explained in the appeal: “We have had every bit of earned income and work cancelled since covid19 was announced, as well as having to sadly cancel supporting our young people face to face. This has been tough. But it’s right.

“Despite this, our charity staff and volunteers, working with others, responded in less than 24 hours and have now applied our catering and community experience into creating a supply chain where we are delivering a FREE, HEALTHY and SAFE meal every day to people across North Edinburgh and Leith (initially).

“We hope to help, love and support those most vulnerable to follow advice, reduce stress and stay home. Please help us support the OAPs, frail, struggling families, those with health conditions all access one wee crucial lifeline at this stage.

“Our direct partners include Prep Table Scotland, Pilton Equalities Project (PEP), Fet Lor Youth Club, Ryvoan Trust, Muirhouse Millenium Centre and many others including support from EdinburghCatering Co., ArtFe, EdinFoodSocial and many more locals.

“We’re delivering over 1,500 meals per week, your help will guarantee us at least £1000 a week over lockdown. Roughly £12 will feed 1 pensioner everyday for a week.

“The local community, MPs, MSPs, the NHS and others are supportive and we are taking stringent industry-level measures to maximise safety and hygiene.”

The total raised so far stands at £7500.

 

 

Hints and tips on managing money if you’ve been furloughed

The Government’s furlough scheme allows for 80% of salary, up to £2,500, to be reclaimed by the employer per month. 

Many companies are now taking advantage of this scheme in order to protect cash and ensure the longevity of the business when social distancing restrictions can be lifted later in the year, say tax and advisory firm Blick Rothenberg.

David Hough a partner at the first said: “For many employees this is a far better outcome than losing their job altogether, maintaining a slightly reduced income and in all likelihood being able to return to the same place of work later.

“However, many families will still feel the impact of this over the next few months whether it be from being placed on furlough, reduced income from the Government’s Self-Employed Income Support Scheme or loss of income altogether.”

He added: “There are some things that many people can do to help manage over the next few months.”

Remove your salary sacrifice deductions

Plenty of employees contribute into a pension pot through salary sacrifice deductions. It is important to save for your retirement, and the Government encourages this by making such deductions tax free, however removing or reducing these payments will increase your take home pay in the next few months. You can top up your pension later in the year when you have more certainty over your income.

Review your direct debits

Review your direct debits with your family to check you aren’t paying for things that you don’t really need. Gym memberships cannot be used at the moment and should be cancelled or deferred. Families should make sure they are not paying for multiple streaming services, or sports packages for which there is no live action. Companies like Spotify offer family memberships which will save money if a household has more than one account holder.

Defer some payments

Payment deferrals, including mortgage deferrals and other loan holidays, should be agreed with the other party but this approach should mean that you can continue pay for crucial items whilst catching up on other payments later in the year.

Many of us pay for our utilities on a monthly basis which is helpful because it means we can predict our monthly spend. However, you might have built up a credit for gas and electric or contributing more than you will actually use in the warmer months coming up. There is an opportunity to schedule these costs differently to help manage through this more challenging time.

Prepare a six-month budget

If you feel that your available cash is going to be less than normal for the next few months you should aim to make a six-month plan and budget your income and expenses over that period.

If restrictions are lifted in the early summer many people will gradually see their incomes return to a normalised level in months four to six.

You will find it helpful to see that your payments can be managed over a longer period and it will also highlight if there are items you are spending money on that you may need to cut back on at early stage.