AD – I was asked to write this blog post about the help that is available for  Covid related debt, by StepChange and I have been compensated for my time.

When I heard the news at the weekend about the government putting the country into National Lockdown again. I immediately felt despondent.   Yet more restrictions, the fact we will not be able to visit the grandparents, celebrate bonfire night or go on a secret day out to meet the big man in red.   I find so very disappointing.   I am sure many others are in the same boat.

However, after an initial short wallow in self-pity, I reminded myself that we are indeed the lucky ones. All being well, we will do all those things at another time.   The news of another National Lockdown will bring far more devastating news to others than whether they get to enjoy a day out. Afterall we are lucky and can both work from home. We have not needed to reduce or hours or income because of childcare needs or because the businesses we work for require us to.  The bills will still be paid and should it all go wrong we have an emergency fund that we have put aside to support us.

We are indeed the lucky ones. And I am more than aware that the same can not be said for others with coronavirus having affected many people’s incomes. Many small businesses will face another tough month, cafes and restaurants that should be running into the busy season will now have to close their doors. We have already seen a couple of local pubs go on the market. Understandably many people will be worried about losing their jobs or their income reducing.   With the added pressure of still having the bills to pay.

Help with Covid related debt

That is where StepChange comes in. If you have not heard of them before StepChange is the debt advice charity who ins 2019 helped over 635,000 people with their debts. With over 25 years of experience, they offer free help and support to help achieve long-term financial control.

StepChange have launched a campaign specifically to help individuals with their fears around what-if situations.  Finding that the pandemic has created new and pressing financial concerns for the public. They are aiming to help the nation solve the what-ifs that the pandemic is inevitably creating.     What if scenarios such as

  • ‘what if I get sick and can’t work?’
  • ‘what if I lose my job?’
  • ‘what if I’ve borrowed too much to get by?’

To help they have created a series of guides on their website aimed specifically at these what-if scenarios.   Including

  • Guide to furlough
  • COVID-19 and benefits
  • Dealing with redundancy
  • Payment holiday guide
  • Reduced income guide
  • Dealing with rising bills
  • Debt and your mental health
  • Get emergency help with money
  • Life changes and COVID-19

Not only is there a whole wealth of information, but there is also even an online advice tool. Just take two minutes to answer a few quick questions and they will find you the right help for your situation.

Help to get the message out

And this is where you come in. The pandemic will be affecting people all over the country that have not had money worries before.  Sectors of the population such as younger people are now needing help. StepChange is finding that because they have not sought help before they may not know that free impartial advice is available.

Please help spread the word, talk to your friends and families. Especially if you know they are running these what-if scenarios around in their heads. By raising awareness we can help more people get support during the pandemic. Please share the message on social media that StepChange can help with those what-if scenarios being caused by the coronavirus and  National lockdown.  The more people that hear about it the more people we can help so they have one less thing to worry about during this difficult time.

For more information please visit the StepChange website.

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Help with covid related debt

25 Comments

  1. Natasha Mairs

    Some great info here for all those who need this at the minute. I am lucky that lockdown hasn’t changed my work or money. It’s just hard not being able to see family.

  2. Melanie williams

    This is so so important at the moment, as with so many peoples life’s and finances affected by covid-19 people need to know what to do x

  3. Jazz Tattersall

    What a fabulous idea all of my friends are uni students so just the student finance debt to worry about luckily

  4. Renata Green

    Yes, these are certainly hard times for most people. While we in Europe have a good social net, in other countries, people are truly desperate. Can only wish this mess to be over soon.

  5. Emman Damian

    Everyone has to examine and check this out. Most of the employees lost their jobs and businesses. We all need to work together.

  6. It sounds like StepChange is doing what it can to help people. Amazing that you’re sharing this.

  7. Lyndsey O'Halloran

    I think it’s so important that people know how to get help with debt. As someone who has been there, and now getting myself sorted, it’s easy to bury your head in the sand.

  8. Genevieve | Fitty Foodlicious

    This is valuable information for these strange times we are all in. I know this post will help many people. May God be with us all.

  9. Lyanna Soria

    It’s scary especially because of the covid situation. I’ve never heard of StepChange before but that sounds like a wonderful website to check out.

  10. Pippa Ainsworth

    My heart breaks for the companies adversely affected by the lockdowns this year, it’s such a difficult situation.

  11. Sue-Tanya Mchorgh

    I haven’t heard of StepChange before but this is a really nice thing that they are doing.

  12. Really love your blog. So much information gather together. lots of ppl suffering bcz of their job .i will share your post. thanks

  13. Really glad StepChange exists.
    COVID has affected a lot of us negatively and I’m glad StepChange is here to help people out.

  14. What a beautiful message of hope and great way to share to many amazing resources. There are still wonderful days ahead of us to look forward to.

  15. Elise Ho

    I have never heard of this company before. I do agree that raising awareness is key. So many folks are in distress. The more open we can be about it the better everyone’s emotional health will be.

  16. I haven’t ever heard of StepChange before but it sounds like a wonderful program! Being in debt can be so scary, especially during a pandemic.

  17. Everyone needs to look into this. These are perilous times, and no matter how careful we are, there’s no guarantee we won’t get sick. It’s important to have a plan in place for that.

  18. Sarah Howe

    I can’t imagine how stressful it must be to be worrying about finances and Covid 🙁 It’s a horrible time and glad this resource is available

  19. lynn neal

    Good clear advice here that could be useful !

  20. Rebecca Smith

    Stepchange are wonderful. I haven’t personally had to use them myself but friends have and they have really helped them out at a time when they felt utterly helpless.

  21. It is so important for those that are struggling to seek help like this. Even just for their mental health and stress levels. Debt is hard anyway let alone the fear of Covid.

  22. Margaret Gallagher

    Invaluable resource – may meed soon

  23. Carly Belsey

    Ive lost my job but thankfully can just about manage my debt with help from my partner. But I do know someone in a terrible state with debt so I am thankful that I have read this post. I will recommend.

  24. Priscilla Stubbs

    A m interesting blog. It doesn’t affect me as I am retired but it could affect my daughter

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