cup of tea

12 Ways to Cope When Life Suddenly Changes 

12 Ways to Cope When Life Suddenly Changes

“We can’t control every aspect of our lives and we can’t stop change from happening. But how we respond to change will greatly affect our overall life experience.” This statement can’t be any more relevant than now due to the Coronavirus.

From a few dozen cases to a full-blown pandemic, the virus has had a massive global impact where millions of people have been affected in some way. Many have lost loved ones, many have lost their jobs, many are confined to their homes, and many more are suffering every day from feelings of anxiety, stress, helplessness, panic, and fear. To help you make it through this difficult time, here are 12 ways to cope with this sudden change to your life.

1

Don’t resist the change, try to accept it 

Resistance causes suffering so stop fighting and start accepting. Be present in each moment and focus on the things you can control.

2

Recognise, redirect and reframe 

Recognise that your brain automatically assumes the worst, redirect this uncertainty, and reframe your perspective to a more positive outlook.

Make a plan and be proactive.   

Taking control of what you can will ease anxiety, so make a plan and set yourself some goals during this time. They can be both personal and business.

Stick to your regular schedule as much as possible 

The best way to deal with change is to try and maintain the normal where you can. Keep to your routine no matter how small and you’ll feel less helpless for it.

Exercise often and eat healthily 

Exercise releases those all-important endorphins and the right food fuels us properly, both of which are essential to boost mood and promote better sleep.

Practice and prioritise self-care.

Add meditation, yoga, daily journaling or mindfulness to your daily routine.

Seek support but keep it positive.

Call or skype your friends and family as much as you can. Turn any venting into action so that it isn’t detrimental to your health.

Delegate or outsource if you need to.

Delegate tasks to your team or outsource jobs that are low-value.

9

Focus on gratitude.

Write down three things that you are grateful for every morning to start off positively and with a better perspective.

Work through any grief and loss.

Grief and loss can often be found at the heart of major life changes, make sure to work through all the stages to be able to let these feelings go.

11

Limit social media and the news.

Try to schedule in a certain amount of time each day to look at social media and the news and that’s it.

12

Give yourself a break. 

Don’t push yourself too much or set high expectations during this time. Don’t be hard on yourself if you’re feeling a certain way, accept it and give yourself a break when you need one.

We can’t control change but we can cope with it

It can be hard to accept that things have changed and are changing, especially since we are unsure of the future, but we can control how we cope with it. If you implement these 12 ways above into your daily life over the next few weeks, you will be able to maintain your mental health and come out the other end ready to grab the opportunities that the future will hold.

Update

What we know so far update!

What we know so far update!

We now have some more guidance on the government’s help for individuals, businesses and the self-employed. For full details of all the help available see the government web page here.

The Small Business Grant Fund and the Retail, Hospitality and Leisure Grant Fund

Most local authorities who are administering these will have been in touch with eligible businesses, and are requiring them to fill in a form in order to be able to receive the grant. It is worth you claiming your grant promptly as we are seeing most local authorities paying out the money very quickly.

If you are a rateable business but you were in a serviced office where part of your rent went towards your rates, and you haven’t yet been contacted. Please get in touch as we may be able to negotiate for you to receive one of the grants.

Each business eligible for these schemes will receive one grant per property. So, if you have 2 cafes, then you would get 2 grants.

Check the government guidelines to see if your business is eligible for the grants here.

If you haven’t already claimed your grant, here are the links for:

Babergh & Mid Suffolk: www.midsuffolk.gov.uk/business/business-rates/grant-funding-schemes/

East Suffolk Council: www.eastsuffolk.gov.uk/business/covid-19-business-grant-funding/

Ipswich Borough Council: www.ipswich.gov.uk/businessratesgrant

West Suffolk Council: www.westsuffolk.gov.uk/c19business

The Coronavirus Job Retention Scheme

A long and very detailed guidance on eligibility and what you can claim for can be found here

But, these are some of the key points you may like to know:

  • Only employees who were on your payroll (regardless of the type of contract) on or before the 28th February are eligible for this scheme
  • Employees who you may have made redundant (due to COVID-19) before this scheme was announced can be ‘rehired’ and then furloughed
  • Directors of limited companies CAN furlough themselves and carry out their statutory duties.
  • The business can claim for up to 80% of their pay, up to a cap of £2500 monthly pay AND minimum pension contributions and employer NI contributions on their subsidised furloughed pay
  • Employees can be furloughed from the 1st March

The government is in the final stages of testing a portal for businesses to submit their claims for wages for furloughed employees under this scheme. This is believed to potentially go live on the 20th April and first payments due from 30th April. Until then, you need to pay your Furloughed employees, and then claim back money from the government.

The Coronavirus Business Interruption Loan Scheme

The banks seem to have not got the memo from the government to lend to businesses sadly. The government has recently intervened and some of the requirements to access these loans have been removed, namely:

  • Personal guarantees for loan amounts up to £250k
  • Been turned down for a commercial loan

However, the banks are struggling to turn around applications quickly right now. So, we recommend that if you want to access this scheme that you try your current business bank first. We can help you get all the paperwork together, such as providing before COVID-19 and after COVID-19 forecasts, management accounts etc.

Help for the self-employed (or member of a partnership)

More about this scheme here. However, you still can’t apply for it yet, and the current thinking is money is going to be paid out in June to self-employed people.