Opportunities are usually disguised as hard work so most people don't recognise them

Hello, 

I knew that this week would be a strange one, but I never thought that life would be as different now as it was only a few mere weeks ago. The last few weeks have been strange to say the least, especially working from home which in the beginning was odd, and yet now seems more settled and I kinda have a routine. Boris (Johnson, our Prime Minister, and secret weird crush of mine) has yet to grace us with any more televised statements from Downing Street. This being said, however, his strict curb on life in the UK to tackle the spread of COVID-19 Coronavirus have certainly shaken things up but as the UK death toll has peaked so far at 1,408 I am left questioning what happens in future weeks. 

Simply put, people have not listened, myself maybe being one of them. Like naughty toddlers, people did not heed advice from Government to stay at home (except for shopping for basic necessities, once-daily exercise, attending to any medical need or travelling to and from essential work). And so, as a necessary precaution in order to protect everyone, announcements were made that all shops selling non-essential goods such as clothing and electronics are being told to shut and gatherings in public of more than two people who do not live together are to be prohibited. The pubs, clubs, restaurants, bars and cafes are all closed and with nothing else left to do but to sit indoors and hope that this all comes to an end sooner rather than later. Unfortunately, some people still didn't quite get the memo as Parks and open spaces still became flooded on the weekend we BBQ-ers, sun-bathers and picnics. So much so that UK police have been forced to use their powers to enforce them, including fines and dispersing gatherings. Thankfully living out in't countryside allows us a little more freedom than some of the bigger towns and cities. 

Truthfully, in the beginning, I didn't take this whole thing seriously enough, still don't to an extent. Although that doesn't stop my appreciation for those doing a good job in order to keep everything in the country ticking along nicely until this whole thing blows over. But the last couple of days since Bo-Jo's address to the nation like something from 1945, has really made me question my own situation, I suppose rather selfishly. Early last week, on Tuesday 17 March, moneysavingexpert.com explained easily how banks had agreed with the Chancellor that they will offer 'forbearance' (tolerance and help) on mortgages. This means they all should offer those struggling a three-month 'holiday', allowing customers a temporary break from having to make mortgage payments during this time. Something which I think will help us with some of the more recent developments to do with mine and Mr Warehouse's work situation. 

For us, keeping up with bills and putting food on the table was never really a challenge, and might not be, but we are conscious about the ever-growing distance between us and that crack that seems to loom more and more as the days pass. Realistically having a forbearance on our mortgage at least will help a little, although I am hoping some of our other financial products such as car finance, credit cards and loans can catch up with the mortgage companies soon. It should help and maybe get us out of what could have been a very tight hole in the next few weeks and months, although after spending four-and-a-half hours on hold to our mortgage company last Thursday and then a further 3-hours the following Friday morning I was finally able to speak with someone. Feeling embarrassed I mumbled my way through the phone call with a lovely woman who explained that there was nothing to be embarrassed by and that everyone is in the same boat and to not worry or panic. And so, for the next three months, we won't pay anything, then when our mortgage repayments resume, the total we owe would be spread over the following remain years on our term, relatively speaking we will see a very small uplift in future payments.

Several days later, the UK Government announced a continuity of the COVID-19 Coronavirus package to help people affected by the pandemic which including a sweeping pledge to pay 80% of employees' wages if they are not working due to illness or to cover that of 'retained' employees, being those who would otherwise have been laid off due to the knock-on effects of the coronavirus pandemic. I mentioned last week that, hopefully, this will help many people who would have otherwise lost their jobs. However, it would seem as though I may be benefiting from this exact hand out ... 

iNews.co.uk explains that Furloughed workers are those whose employers cannot cover staff costs due to the COVID-19 Coronavirus, and as such, they have been asked to stop working, but have not been made redundant. The website continues that "under the Coronavirus Job Retention Scheme, all employers in the UK will be able to access support to continue paying part of employees’ salaries who would otherwise have been laid off during the ongoing health crisis." This means that whilst the employee is not necessarily working, the employee still has all the same rights as they did previously including Statutory Sick Pay (SSP) entitlement, maternity rights, other parental rights, rights against unfair dismissal and to redundancy payments. This also allows employees to access all company benefits such as health care, health insurances and even pensions. Obviously, there is a limit to the amount paid will be capped at a maximum of £2,500 per month / per employee (nowhere near my salary - Sadface), and the Government is saying that all is to be issued through grants which can be paid out to any employer and “before the end of April” with wages will be paid backdated to 1st March 2020.  

As it stands, I have yet to hear back on anything solid or any contractual changes that will ultimately need to be put in place before such a big rollout. I will hopefully find out the final results in the coming days, but here's hoping I can continue to work in whatever capacity that may be - Full Time, Part Time, Half Days, Full Days, Different departments - who cares! As long as I am doing something, my bit if you will, then I will be happy. Besides with no kids, childcare issues at nil, twenty-minutes drive from the office and having never taken ill since working for the company I would like to hope I would be a good candidate to keep the well-oiled machine going. I suppose only time will tell, and here's hoping that it will tell all soon. 

'Til next time, Love A.Lou xx