Newcastle Photographer and Content Creator, Mandy Charlton, Always on a quest for adventure, often seen on buses, trains and planes. On a quest to be happier and healthier. Lives in Newcastle with her 3 cats, Iris, Maggie and Arthur. Loves good vibes, musicals and cakes. Full time professional wedding photographer in the north east of england alongside content creator on Tiktok, Instagram and Facebook

Monday, April 20, 2020

Week Zero - When the money ran out

Mandy Charlton, Photographer, writer, blogger, week zero, when the money ran out, business, coronavirus, economics

This week for many British companies and self-employed people, is week zero, the week when the money runs out, the cash reserves are empty and for normal working people who are just about to be paid, a large proportion will see their first official furlough pay with only 80% of their usual wage packets.  I think economically this week will be particularly bad as a nation, we will see many companies go under and our use of foodbanks will sadly increase once more.

From my own personal perspective, last week was week zero for me, it didn't help that I don't really work during winter and Easter is my rebound into the world, this was a really bad time for this to happen.  (although granted, there would never have been a good time).

Of course, I don't think we should forget that anyone who's actively working now is probably a keyworker who's actively risking their lives every day to keep the country running, to save the lives of our citizens, to teach our children and let's not forget all of those who are having to work around the clock to process all of the new Universal Credit payments.

I have, at this point, taken payment holidays where possible so, yay, for absolutely piles of debt on the other side, some expenses I can't take holidays from like business insurance, pet insurances, gas, electricity, rent, food and getting working tax credits of approximately £149 a week, well I'll let you do the maths.

Am I scared?  Yes, lots, it's such a long time until June when I should get at least something from the treasury, I know it won't be much because I had a dreadful 18/19 but it will be better than nothing like some of my friends who are newly self-employed or who are company directors.

Last week I managed to do a zoom session with local marketing and influencer agency, Revibe Marketing, I showed them how to use their smartphones to communicate better through video and images, to be able to continue to create engaging and amazing content right from their front rooms.  I have also been teaching children of all ages creative photography in my Facebook group for donations and it's incredibly fulfilling and rewarding, so much so, that I've decided to continue this in real life when the lockdown is a thing of the past.

Yesterday I listed all of my specialist areas on my Ko-Fi page and so you can ask me a question on any of them in exchange for a coffee or two and I'll help you as much as you're helping me.

I don't want to be a charity case and I don't want you to feel sorry for me, this isn't the point of the article, what I do want is for you to employ me so that I can help or add some value to your own business or organisation, it's what I do best and I love to work because it keeps me sane.  There are so many things I can still do from home and with a wealth of business experience plus skills in photography and making a small urban garden, I genuinely hope to have something I can offer which will help both of us.

I can't see how I can come out of this situation completely unscathed, well at least not financially but I will still be here on the other side, I'm a photographer, I'm a small business owner, I am an entrepreneur, always have been, always will be and no one can ever take those skills away from me.

if you have enjoyed this article, i would love your support to help me keep writing, I also have a list of my skills you can take advantage of you and thank you, I can't do this on my own but we can do this together

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