While the pandemic has no doubt caused very challenging health and social problems. It has also caused difficult financial circumstances for many. It is what you would characterise as a K shaped recession. In that some sectors are going up while others unfortunately down. In our last recession many industries escaped unscathed but other industries unfortunately suffered. This recession is similar. Many industries are really struggling like hospitality, retail, and tourism. While the technology/online sector is thriving. It is going to be a challenge for many sectors and small businesses in this new world we live. There are however some things we can all do personally to try and get through this downturn as best we can.