Providing for your family and surviving financially during lockdown

Providing for your family and surviving financially during lockdown

Providing For Your Family And Surviving Financially During Lockdown

If someone had told us all only a few months ago that we’d be locked down in our homes, only allowed to leave for essential items and once-a-day exercise, we’d probably have laughed and thought they were crazy. Covid-19 has resulted in restrictions to our lives, the likes of which the vast majority of us have never previously experienced. As well as the obvious health crisis, we also find ourselves in an economic crisis, with many of us unable to go out to work.

Across the UK, families are facing financial difficulties, resulting in some being unable to afford food for their household. If you are finding that your money won’t stretch far enough, take a look at our tips to help get you through the coming weeks and months.

Was your child entitled to free school meals? Make sure they’re not missing out

One of the problems many families are facing, is having to budget additional money to feed their children lunch from Monday to Friday, something which was normally taken care of by the school.

Arrangements vary depending on the school, but children who are eligible for free school meals could be given food parcels or vouchers for food. Get in touch with your child’s school or your local council to find out what is available in your area.

Struggling to pay bills? Ask for a three-month payment holiday

If you are finding it difficult to keep up with your monthly mortgage bill, you could ask your lender for a three-month payment holiday. The same goes for loans and credit cards, too.

This way, you can prioritise the money you do have, for putting food on the table.

There are lots of free resources out there to help lower your food bill

If your weekly shop is making a big dent in your budget, or you’re running out of ideas for cheap but nutritious meals, a quick ‘google’ will reveal a large number of bloggers and vloggers giving you new low-cost recipe ideas for free.

Opportunity to look at your budget and spending

While no-one would argue that Coronavirus is a positive occurrence, it can be helpful to try and use this opportunity to re-look at your budget (or draw one up if you haven’t already got one). Look closely at all of your regular outgoings and ask yourself if every one of those is really a necessity.

Finally, it’s important to remember that, while things are difficult now, this will pass. Keeping on top of your finances and seeking help if necessary, will help you to ensure that you can continue to provide for your family during these unprecedented times.

Neil Graham, a Partner at Grayfords comments as follows:  “Making ends meet when you have a family is difficult at the best of times but the current lockdown restrictions have had a very significant impact on all of us, whether as employees or as self-employed individuals, and upon our overall household and family income.  There is help available, however, such as applying for Statutory Sick Pay if you are too ill to work, self-isolating or caring for people in the same household, applying for Universal Credit if you are self-employed and eligible, applying to your mortgage lender for a repayment holiday of up to three months if you are experiencing difficulty in making your mortgage payments or if you are a buy-to let landlord who is experiencing difficulty in receiving rental income, and even applying to your Bank or credit card provider if you are experiencing difficulty in making loan or credit card payments in the meantime.

There is a lot of information freely available in the public domain on how to access these resources and it is hoped that some of the links below may also be of some help.

If you are additionally struggling to keep up with payments made under a Court order following divorce the Court has limited powers to revisit some of the parts of an order but only if the circumstances warrant it.  We can offer specialist advice on how to go about that process and whether it is likely to succeed.”

https://www.gov.uk/government/publications/support-for-those-affected-by-covid-19/support-for-those-affected-by-covid-19

https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19

https://www.fca.org.uk/consumers/mortgages-coronavirus-consumers

https://workingfamilies.org.uk/articles/coronavirus-support/

https://moneyfacts.co.uk/news/banking/how-is-your-bank-helping-customers-impacted-by-the-coronavirus-pandemic/

Scroll to Top

Success

Your submission was successful.

Regular Catch-up Strategies


At Grayfords, we understand the importance of developing effective strategies to achieve the desired outcomes for our clients in family law and private client law matters. That's why we prioritise regular catch-up strategies to ensure that your case is handled efficiently and aligned with your goals. 

As experienced family and private client lawyers, and strategy experts, we recognise that every case is unique and requires a tailored approach. Through regular catch-up sessions, we engage in open and collaborative discussions with our clients to gain a thorough understanding of their objectives, concerns, and preferences. These ‘catch-ups’ allow us to assess the progress of your case, identify any evolving needs or challenges, and adjust our strategies accordingly. We are also then able to put in place any personal support our clients may need should they wish to avail themselves of our coaching and therapy & mental health services at any point during their legal matter.

By maintaining regular communication, we can provide you with updates on the status of your case, share important information, and address any questions or concerns you may have. This proactive approach ensures that you are actively involved in the decision-making process and empowers you to make informed choices throughout the legal proceedings. 

Our aim is to ensure that your case is being handled in the most efficient and effective way possible. Through our regular catch-up strategies, we can evaluate the success of our current strategies, make necessary adjustments, and optimise our approach to maximise the chances of achieving a favourable outcome for you. 

At Grayfords, we value your input and understand that your goals are essential to the success of your case. Our commitment to regular catch-up strategies reflects our dedication to providing personalised and client-centered legal services. By working together, we can create a strong partnership and develop strategies that align with your vision and aspirations. 

Strategic Partnerships​


At Grayfords, we believe in the power of strategic partnerships to enhance the quality and efficiency of our legal services. We understand that legal matters often require expertise in various specialised areas, and that's why we have established strong relationships with trusted and renowned specialists in both family law, private client law, and therapy and mental health support.

Our strategic partnerships enable us to provide a streamlined and comprehensive legal service to our clients. When your case requires consultation or assistance in specific areas of the law, we have the resources and connections to quickly and efficiently engage the right experts. 

Whether it's a complex family law issue or a multifaceted private client law matter, our network of trusted specialists allows us to draw upon their knowledge and experience to provide the best possible advice and representation for our clients. These partnerships ensure that we can offer comprehensive solutions that address all aspects of your case, providing you with a holistic approach to your legal (and personal) needs. 

By collaborating with specialists in various legal fields, we can navigate intricate legal challenges more effectively, saving you time, effort, and potential complications. Our commitment to strategic partnerships means that we stay informed about the latest developments in family law and private client law, ensuring that our advice and strategies are up-to-date and relevant. 

At Grayfords, we value the importance of offering a well-rounded legal service to our clients. Our strategic partnerships enable us to tap into a wealth of expertise and resources, ultimately enhancing the quality and effectiveness of our services. You can trust that we have the necessary connections to consult with specialists whenever needed, ensuring that every aspect of your case is addressed with proficiency and efficiency while also supporting you on a personal level as needed.

Time for you


At Grayfords, we understand the value of time, and we prioritise our clients by ensuring that they receive the attention and support they need throughout their legal journey. Unlike other family law and firms, we never claim to be too busy for our clients. We believe that effective communication is essential, and our team is always accessible and responsive to your needs.

Whether you have a question, or concern, or need an update on your case, our dedicated team of family law and private client law experts will be readily available to assist you. We go the extra mile to ensure that you can reach us conveniently and promptly. You can count on us to answer your calls or reply to your messages on platforms like WhatsApp, enabling efficient and effective communication.

Our commitment to internal collaboration and dynamism ensures that there is always someone available to address your family law or private client law case. We understand that legal matters can be time-sensitive, and we strive to provide timely and accurate advice. You can rely on our team's collective knowledge and expertise to guide you through the complexities of family law and private client law.

At Grayfords, we recognise that your time is valuable, and we respect that by being responsive, accessible, and dedicated to your case. We prioritise open and transparent communication, keeping you informed and involved every step of the way. You can trust that we will dedicate the necessary time and attention to your legal matters, ensuring that you feel supported and well taken care of.

Specialised Service


At Grayfords, we offer a specialised range of services across both family law and private client law, tailored to meet the unique needs of our clients. With a focus on honesty, empathy, and pragmatism, we provide reliable legal advice that is designed to help our clients achieve success in their legal matters. 

In the realm of family law, we understand the emotional challenges that can arise during sensitive family disputes. Our team of experienced family law solicitors provides compassionate support and guidance throughout the process. Whether you are going through a divorce, child custody battle, or dealing with complex property division, we have the expertise to navigate these intricate matters while prioritising your best interests. 

In the field of private client law, we recognise the complexities and demands that business owners and HNWIs face in today's dynamic marketplace. Our private client law services encompass a wide range of areas including wealth planning, asset management, trusts, wills, probate, and lasting powers of attorney. We aim to be your trusted legal partner, offering strategic advice and solutions that align with your commercial objectives as you navigate your family matter. 

At Grayfords, we believe in fostering long-term exceptional working relationships with our clients. Our dedicated team goes above and beyond to understand your unique circumstances and provide tailored legal solutions that anticipate your individual needs. We pride ourselves on delivering an outstanding personal service level, ensuring that you feel supported and informed throughout your legal journey.  

Our ultimate goal is to alleviate the pressure and stress often associated with legal matters. We are committed to guiding you through the complexities of family law and private client law, allowing you to focus on what matters most to you. Trust Grayfords to provide you with the specialised legal services you deserve, backed by our expertise, integrity, and dedication to your success.