Hi all,
Hope you and your families are well and safe. 
Working from home and getting used to it can be a big change and a challenge for most of us. Supporting each other and even if it’s just a chat over the phone to take your mind off of things can go a long way. Please reach out to your friends and family if you feel like you need to talk to anyone or need support with anything. And remember, as always, we will get through this together.

Please see below some helpful resources to manage your personal finances, mental health and wellbeing during these unprecedented times. 
Most important of all, please ensure you follow the latest advice from the NHS and follow best practices to ensure you and your loved ones stay safe and healthy.

If you feel unwell, you can use the online symptom checker before you call NHS 111. LINK TO ONLINE SYMPTOM CHECKER
Here is some ‘Stay at Home’ guidance published by the government. CLICK TO OPEN

Mental health and well being:

  • Take breaks from watching, reading, or listening to news stories, including social media. Hearing about the pandemic repeatedly can be upsetting.
  • Take care of your body. Take deep breaths, stretch, or meditate. Try to eat healthy, well-balanced meals, exercise regularly, get plenty of sleep, and avoid alcohol and drugs.
  • Make time to unwind. Try to do some other activities you enjoy.
  • Connect with others. Talk with people you trust about your concerns and how you are feeling.

Please seek professional help if stress gets in the way of your daily activities for several days in a row. And don’t forget there are a lot of us around if you need to have a chat!

Here is some more reading:

https://www.mentalhealth.org.uk/publications/looking-after-your-mental-health-during-coronavirus-outbreak

https://www.bbc.co.uk/news/health-51873799

Help with mortgages and credit cards:

How are lenders helping their mortgage and loan customers?

LenderWaiving fees for missed payments?Offering reduced payments?Offering deferred payments?
Bank of ScotlandYesYet to respondYes
BarclaysYet to respondYet to respondYet to respond
First DirectNoNoYes for loans, no for mortgages
HalifaxYesYet to respondYes
HSBCNoYesYes
LloydsYesYet to respondYes
NationwideYet to respondYet to respondOnly for mortgages
NatWestNoNoYes, for up to 3mths
RBSNoNoYes, for up to 3mths
SantanderNoYesYes


How are lenders helping credit card customers?

LenderWaiving fees for missed payments?Offering credit limit increases?Offering payment holidays? 
Bank of ScotlandYesNoYes
BarclaysNo YesNo 
First DirectNoYes Yes – tailored to individual need
HalifaxYesNoYes
HSBCYesYesYes
LloydsYesNoYes
NationwideNo – but customers in financial difficulty could have interest charges removedYesNo
NatWestNo YesNo
RBSYes Yes (temporarily)No
SantanderNoNoNo (options to defer or reduce payments)


More information and details are available at 

https://www.moneysavingexpert.com/news/2020/03/uk-coronavirus-help-and-your-rights/

BUSINESSES: 

For those recruiting at the moment: 

ACAS Coronavirus: advice for employers and employees

HMRC Tax Relief and Support Guidance published by the government CLICK TO OPEN


As long as it’s safe to do so and you don’t put yourself in danger, please take some time to help and support the community around you. 


I wish you all well. See you all on the other side! 


Thank you.
Aadil…