Forbearance

When things are as tough as they are at the moment and people are confined to barracks, it is important to be considerate to each other. Now the initial panic is over, there is no need to stock pile food, road rage should be a thing of the past, given there are hardly any vehicles on the road in our part of the Country, and people can adhere to the 2 metre separation guidelines as there is loads of space in our parks and on our footpaths and coastal borders.

The boys in blue are keeping a watchful eye on  Birkenhead Park walkers and riders so at the moment The Wirral is doing OK.

That is more than can be said for the people who find they are out of work, or the back street entrepreneurs who find their once profitable cottage industries blown away in the blink of an eyelid. It has also hit multinationals and all those companies and organisations who sit in between, certainly in size terms.

Martin Lewis used the definition of forbearance to try to get us all to understand the struggle that business has at the moment, and it is useful to take that on board. My mate and I had paid a lot of money to a golf travel agent to go to Augusta for the Masters golf in April. When the event was postponed and then rescheduled, we asked for our money back. Rightly or wrongly , that was not one of the options they gave us, so rather than fight a battle over what the definition of 'force majeure'  is, we have given them the slack they need and said we will rebook for 2021. They are now fighting battles to repatriate other golfers they have sent on holiday and,  I suspect , their cash flow to ensure they are still in business next year.

We have a milkman and he has been delivering to us for years. I have just paid in advance for the next three weeks to help his cash flow and hopefully see him continue the service he provides to us and to allow him to keep his milko's employed.

I am also philanthropic in a small way towards my ex-rugby club. I'm in it as a business venture, but have today let them know that there will be no further payments due to me in 2020. That may help their cash flow somewhat as they will suddenly have nil income from rugby for 6 weeks and social functions and catering for probably three months. The grass will need to be cut a few times, but major outgoings like rent, rates  and utility  bills  still need to be sourced.

I have a small part to play at the golf club as a result of the closure of all courses for the time being, so the lockdown provides opportunity. Having just completed the painting project, we now have to redress the room. I have discovered the sofa springs are out of life so that forces me to participate in my favourite lockdown game, buy on e-bay. So far I have brought one new golf club, a pre-war Totopoly game with proper lead horses with four legs (fans of horse racing games will know why this excites me), an extra five horses of the same structure for display purposes, and I am now in prime position to win a Mont Blanc pen for a steal as it is listed in the wrong category!!!

Unfortunately the sale of my mothers old flat has had to be put on hold as a person in the chain is an NHS worker and does not feel she has the bandwidth to handle a house move just yet, but hopefully that will proceed in due course. We shall see.

So time to rehang the curtains plug the TV back in and resume some sort of  normal like, although we have not really missed the TV these last few weeks, I wonder if we might be right in the middle of a permanent life style change. Husbands and wives talking to each other, now there's a side effect I didn't anticipate!