JN Group Donates Welfare Items to Charities

Three charity organisations located in Cornwall, Middlesex and Surrey have benefitted from welfare items donated by staff members of The Jamaica National Group.

The three charities are the St Elizabeth Early Childhood and Therapeutic Centre in St Elizabeth; Children First Agency in St Catherine and the Marie Atkins Night Shelter in Kingston.

The charities received tins of basic food items and toiletries. Onyka Barrett Scott, general manager of the JN Foundation, said the initiative was implemented under Project 3000, with the goal to raise 3,000 cans of food to be donated to the charities.

“The members of staff were enthusiastic about participating in the project, as they knew that it would greatly assist the charities given that the pandemic has had a negative impact on the normal operations of organisations, such as these charities,” she related.

Madge Sanderson, centre manager of the St Elizabeth Early Childhood and Therapeutic Centre, stated, “in this time of need, the contributions were a big help and the parents of the children were very grateful for the donation,” she said.

The centre, which caters to children with disabilities, has been experiencing challenges, given that ‘face-to-face interventions,’ have been suspended.

Mrs. Sanderson noted that some students were being catered to online, with the assistance of their parents.

Claudette Richardson-Pious, executive director of Children First, said the donation came at an opportune time, as the organisation was able to assist children and families who are adversely impacted by the COVID-19 pandemic.

“The donation has enhanced the nutrition of the families assisted; and we were also able to support some seniors, who were also in need,” she informed.

Mrs Richardson-Pious noted, “what was heartwarming was when one of the seniors shared with her that she received enough items, therefore she would be able to share them with her neighbour.”

Children First is a non-profit organisation, which is dedicated to improving the lives of Jamaica’s street children.

Tanya Wildish of the JN Foundation, who coordinated the initiative, stated that although some members of staff were working from home, they made a concerted effort to come into office to drop off their donations.

“That indeed showed the commitment of our members of staff to the drive to assist those who are in need,” she pointed out.

Staff members across the JN Group participated in the initiative and selected the charities to be assisted by registering their votes, based on an online survey, which was circulated shortly after the donations tins were issued.

Mrs Barrett Scott stated that the initiative will also be rolled out in Canada, the United Kingdom, the United States of America and The Cayman Islands, where The Jamaica National Group operates.

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Young Jamaicans Advocate for the Environment

Chevaughn Brown, national coordinator of the Caribbean Youth Environment Network- Jamaica

The faces in environmental activism have become younger in recent times; with 17-year-old Greta Thunberg, a teenage activist from Sweden, who has become the face of the youth climate change movement.

A similar trend is taking place here in Jamaica with young persons, such as Chevaughn Brown, national coordinator of the Caribbean Youth Environment Network- Jamaica. The 26-year-old stated that he was influenced into the space, based on what was happening in his community in Old Harbour, St. Catherine, where he grew up in the protected area of the Portland Bight.

“I visited the Caribbean Coastal Area Management (CCAM) which manages the Portland Bight Protected Area a few times, as a student; and I saw first-hand some of the damage to the mangroves caused by the activities of man. Therefore, what I want to do is to initiate a transgenerational change as to how individual persons interact with the environment,” he declared.

Brown currently trains young people passing on information about how to protect and be stewards of the environment.

A student at the College of Agriculture, Science and Education (CASE), where he is pursuing a Bachelor of Arts Degree in Environmental Science, Brown said that the environment provides a platform from which young people can raise their voices.

“As young persons, we should get out there and let others know that we are serious about sustainable development and preserving the environment,” he said.

Jhannel Tomlinson, Prime Minister Youth Awardee for Environmental Protection

Jhannel Tomlinson is on a similar path as Brown.  As the Prime Minister Youth Awardee for Environmental Protection, she has committed to youth advocacy in an effort to contain the impact of climate-change in the Caribbean.

The University of the West Indies PhD candidate and Caribbean Adviser to the Next Generation Climate Board, said that she recognised that young people lacked knowledge and awareness about climate change, particularly in rural Jamaica.

“The reason I got into youth activism was that I realised that a lot of young persons in rural Jamaica are being left behind. As rural youth, they stand to lose a lot, because the livelihood of their family and friends are dependent on agriculture; and it is one of the first sectors which will be impacted by climate change,” she pointed out.

The 28 year-old Charlie Mount High School past student, who is from rural St Catherine, said young people will have to step up to the platform and let their voices be heard on issues about the environment.

“At the end of the day, we need to recognise that it is our home; and we need to take charge and have our collective and individual voices heard, to ensure that, when we are given a seat at the table, we will advocate for ourselves and other persons who may not have the opportunity to advocate on their own behalf,” she said.

Both Brown and Tomlinson will be panellists on the JN Foundation Water Project upcoming “Voices of Jamaican Climate Change Activists”, a panel discussion scheduled for broadcast on Nationwide 90FM on October 26 at 5:00 p.m.

The discussion is a precursor to the Climate Innovation Challenge, which will be held on October 26 and 27.

Onyka Barrett Scott, general manager of the JN Foundation, said that she was happy that young persons, such as Brown and Tomlinson, have aligned themselves with causes which are impacting the lives of all.

“They should be applauded for their bold move; and be encouraged to continue their activism, which can only lead to the betterment of the environment,” she said.

Cornelia Walters-Jones, project manager, Water Project Jamaica, said, “this challenge was designed to attract and empower existing and aspiring entrepreneurs to ideate, plan for and develop lines of businesses, which will help to solve a climate-related challenge; and overall, promote increased climate resiliency, particularly in the residential sector.

The Water Project Jamaica is being administered by the JN Foundation. Its objectives are to facilitate the uptake of water adaptation measures in the housing sector across Jamaica.

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Growth & Jobs | New Website Launched For Jobseekers, Small Businesses

As the country navigates this period of unprecedented health and economic challenges, the JN Foundation has launched a new resource to offer support to Jamaicans – individuals and businesses – in need of support during the COVID-19 pandemic.

The new website, www.jnlisting.com, is targeted at more than 600,000 JN members and strives to bring together persons seeking jobs and employers and also provide a space for micro and small businesses to promote their products and services.

“As an organisation created to support people to navigate difficult times, we have designed this facility to assist Jamaicans, who have been particularly displaced, so that they can create their own opportunities and regain their independence,” general manager of the JN Foundation Onyka Barrett Scott said.

The site comes amid grim projections by the Bank of Jamaica, which revealed in August that the economy would contract between seven and 10 per cent this fiscal year, significantly above the four to seven per cent it had initially forecast.

Its predictions were supported weeks later by the Planning Institute of Jamaica, which forecast a decline of between eight and 10 per cent in output for the financial year as it acknowledged a devastating 18 per cent decline in output for the quarter ending June when compared to the same period in 2019.

INCREASED UNEMPLOYMENT

Unemployment is also predicted to increase to between 10 per cent and 12 per cent, up from the relative 7.5 per cent rate of 2019, the Bank of Jamaica said.

Making meaning of the data, a study released in September by the Caribbean Policy Research Institute found that 80 per cent of households had lost an average 46 per cent of their income since restrictions began in March.

“These are not ordinary times. There are many families and households which are experiencing severe challenges due to the fact that breadwinners are no longer earning. Some have lost their employment while many others have experienced significant reductions in their income, and our state agencies predict that the road ahead of us is going to be very difficult. Therefore, to rise again, we must support each other,” Barrett Scott said.

PHASED ROLL-OUT

She explained that JN Listing would be rolled out on a phased basis, initially targeting small and micro businesses.

“In the second phase, JN member companies and businesses which we serve will have the opportunity to post available jobs on the website. Job seekers will also be able to upload their résumés for potential employers to access,” she shared.

Persons will be able to search for opportunities on the website by parish or by category.

“The site is easy to navigate, and we believe that it will provide a wealth of valuable information and become a meaningful space for persons to find opportunities,” she pointed out.

Other resources on the website include information to assist users improve their financial literacy, calculators, and career materials.

“We are aiming to create a holistic space where persons can be empowered to manage their finances, and we will also be providing career resources to assist persons to become better informed professionals,” Barrett Scott affirmed.

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JN Foundation Calls for Application for Climate Innovators Pitch Competition

The JN Foundation, through Water Project Jamaica, is inviting entrepreneurs, climate change activists, women, young people and members of the wider public to enter the JN Climate Innovation Challenge Competition.

The competition will be held over a two-day period, in the context of a boot camp, October 26 to 27. Interested persons are encouraged to submit their application by Sunday, October 11. Subsequently, eight applicants will be shortlisted for the competition. The application form can be accessed via the Water Project Jamaica website at www.waterprojectja.com.

Onyka Barrett Scott, general manager of the JN Foundation, said that the competition will identify suppliers and entrepreneurs who are providing solutions to climate related challenges, particularly solutions geared to residential and/or commercial industries and solutions addressing climate resilience generally, but with a special category focused on water adaptation.

“This challenge is designed to empower existing and aspiring entrepreneurs to ideate, plan for and develop lines of businesses that help to solve a climate related challenge; and overall, promote increased climate resiliency, particularly in the residential sector,” she explained.

She pointed out that the competition, will also provide specific avenues for women and youth-led climate resiliency businesses to participate.

Cornelia Walters-Jones, project manager, The Water Project Jamaica said the prizes are enticing, with a first prize of J$2 million; second prize, J$800,000; and third place, J$575,000. In addition, winners will be hosted for six months to a year, in an incubator or accelerator programmes at the Caribbean Climate Innovation Center in St Andrew.

The Water Project Jamaica is being administered by the JN Foundation. Its objectives are to facilitate the uptake of water adaptation measures in the housing sector across Jamaica. These include:  the use of rainwater harvesting systems; water efficient taps and showers; low-flush toilets; efficient irrigation systems; and grey water recycling facilities, as well as other appropriate efficiency measures.

Other objectives of the project are to increase climate resilient housing in Jamaica, through greater awareness about the business and financial cases involved in developing and building homes, with water efficient measures.

It is also aimed at promoting efficiency in the use of water by Jamaicans in their homes; improve the reliability of water supplies and thereby, enhance the country’s water security and climate resilience.

The competition is in line with the upcoming Climate Innovation Summit, which is scheduled to be held in Jamaica, March 2021.

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JN Foundation Offers Opportunity for Tertiary Scholarships

The JN Foundation is offering 15 one-year tertiary scholarships to attend universities and colleges in Jamaica.

The deadline for the submission of application is October 5, and perspective applicants are invited to access the application on the JN Foundation’s website at https://www.jnfoundation.com/jn-scholarships/.

To be eligible for the scholarships, applicants must be: Jamaican; must have completed one year at one of the eligible institutions; and applicants should have a minimum Grade Point Average (GPA) of 3.0.

Other requirements are that applicants must have a relationship with a JN Group company for at least one year, either as: a member/customer or be a client of JN Bank, JN Fund Managers, JN General Insurance, JN Life Insurance, JN Small Business Loans, Jamaica Automobile Association or JN Money Services.

The applicant should be a student at any of the following institutions: The University of the West Indies; the Northern Caribbean University; the Edna Manley School of the Visual and Performing Arts; the College of Agriculture, Science & Education; or, the University of the Commonwealth Caribbean and Teachers’ Colleges.

Onyka Barrett Scott, general manager of the JN Foundation, said that one of the priority areas of the JN Foundation is education; and, that the Foundation welcomes the opportunity to contribute to molding young Jamaicans, to give them a chance to achieve their full potential.

“These scholarship offers are an investment in our future, because an educated population is the foundation of every community and the future of every economy,” she said.

These tertiary scholarships are the most recent education offering by the JN Foundation, which awarded 35 students with five-year scholarships in August, in recognition of their outstanding performance in this year’s Primary Exit Profile (PEP).

The PEP cohort consisted of one recipient from each parish and county, while 18 are children of employees of The Jamaica National Group

Concurrently, more than 100 other students, who are at various stages in their five-year scholarship award, had their scholarship renewed for the new school year.

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Green Island Primary Top Boy Awarded Scholarship

Twelve-year-old Jayheem Cole does not allow challenges to daunt him. In fact, he gets a thrill from undertaking tasks that require problem solving. It is, therefore, no surprise that he readily immerses himself in the mental rigours of mathematics and chess.  Understandably, he wants to become a scientist.

“Chess is all about strategy. It makes you think. I like working out things,” he said, while maintaining that, playing chess is a good exercise for the brain.

Come October, Jayheem will be among scores of new students at Ruseas High School, where he earned a space, as a result of achieving a 333.5 placement score in the Primary Exit Profile (PEP). In recognition of his excellent performance, he was awarded a five-year scholarship from the JN Foundation and named the JN Foundation Scholar for the parish of Hanover.

The scholarship award was a dream fulfilled for Jayheem, who is a consistent ‘straight A’ student and emerged as the top boy at Green Island Primary. He was also among the top five boys in PEP for the parish of Hanover.

“I felt good getting a scholarship, because I studied hard and did well,” he explained.

A resident of Green Pond in Hanover, Jayheem was among 35 top PEP performers across the country, who have been declared JN Foundation Scholars. The cohort consists of one recipient from each parish and county, while 18 are children of employees of The Jamaica National Group.  Concurrently, more than 100 other students, who are at various stages in their five-year scholarship award, will have their scholarship renewed for the new school year.

Jayheem attributes his success to his adult sister, Saleem Johnson, and his mother, Marsha Grant, for helping him to prepare for the PEP.  He asserts that other students will also excel, if their parents are actively involved in their education.

“Parents should help them to study by giving them quizzes. They should give their children a good breakfast so they can learn well,” he suggested.

Jayheem’s mother, a secretary at a high school in the parish, concurs.

“I wanted him to do well. I sent him to extra lesson [classes].  He did not miss school unless he was sick. I follow up with him, to ensure that he does his homework.  He spends long hours studying.  He is a child who will do his work even if I’m not around.”

Ms Grant, a single parent, pointed out that Jayheem’s father passed away when he was four years-old and that she was quite elated when he was awarded a scholarship, which will relieve her of some of the expenses associated with his education.

“I’m really happy. I was feeling hungry when I got the news.  After that, I did not want anything to eat,” she said with a chuckle. “I am so proud of him. From basic school, he has been doing well. He is a brilliant child.”

When not focusing on schoolwork, Jayheem enjoys playing cricket and surfing the internet.

Since the inception of the JN Scholarship Programme in 1983, hundreds of students at the secondary level have benefitted.

Close to 300 scholarship applications were received via the JN Foundation’s website this year. However, as part of the eligibility for the scholarship, the child or parent was required to be a member, customer, or client of the Jamaica National Group for at least a year. 

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JN Foundation Awards 35 PEP Scholarships

Jeffrey Campbell, better known as Agent Sasco, engages scholarship recipients in a motivational talk at the JN Foundation Scholarship Reception held last September.

Thirty-five students were awarded five-year scholarships by the JN Foundation, in recognition of their outstanding performance in this year’s Primary Exit Profile (PEP). The cohort consists of one recipient from each parish and county, while 18 are children of employees of The Jamaica National Group

Concurrently, more than 100 other students, who are at various stages in their five-year scholarship award, will have their scholarship renewed for the new school year.

Onyka Barrett Scott, general manager at the JN Foundation, pointed out that hundreds of students at the secondary level have been benefitting from the scholarship programme since its inception in 1983.

“Despite the various challenges that we are all experiencing right now, the JN Foundation is pleased to continue support for the education of our future generation and to celebrate their excellence,” said Barrett Scott.

“This year’s cohort is one of a kind, as they are facing a scenario for which none of us could have prepared them. The COVID-19 pandemic has created some amount of anxiety for the new school year; and this will certainly call for a lot focus on the part of our scholarship recipients,” she related. 

Marshalee Powell, a single parent of Barbary Hall in St. Elizabeth, and mother of 11-year-old Arriana Hewitt, who emerged the JN Foundation scholar for St. Elizabeth, welcomed the scholarship award.  A worker in the tourism industry, Powell was laid off in March due to slow business as a result of the COVID-19 pandemic.

“Getting this scholarship is a big deal. I’m overjoyed,” she said, adding that she was optimistic that her daughter would have been awarded the scholarship due to her consistent high academic performance.

Arriana, a former student of Black River Primary and Infant School, achieved a placement score of 345 to earn a place at Hampton High School.  She is equally overjoyed about the scholarship award and vowed to continue her high academic performance at her new school.

Barrett Scott disclosed that more than 100 persons had applied for the scholarships via the JN Foundation website.  However, as part of the eligibility for the scholarship, the child or parent was required to be a member, customer, or client of the Jamaica National Group for at least a year.  

In addition to the PEP scholarship awards this year, 16 students at the tertiary level, attending The University of the West Indies, the University of Technology, Jamaica, the Northern Caribbean University, and the University College of the Commonwealth, will receive financial assistance to pursue their studies.

With the exemption of the scholarship award to the University College of the Commonwealth (UCC), which is reserved for a JN employee, The JN Foundation’s one-year tertiary scholarship can be accessed through the scholarship office at the respective universities mentioned.

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St. Elizabeth High Achiever Awarded JN Scholarship

Arriana Hewitt, JN Foundation Scholar for St. Elizabeth

When Arriana Hewitt placed second in the end-of-year academic results in Grade Four at the Black River Primary and Infant school, she cried. Since grade one, she has been at the top of the class and being unable to achieve her usual scholastic feat left her heartbroken.

Her persistence to maintain her high academic performance over the years has borne fruit, as she gained a placement score of 345 in the Primary Exit Profile (PEP), which earned her a place at the Hampton School, the top school of her choice.  In recognition of her accomplishment, she emerged as the JN Foundation Scholar for the parish of St. Elizabeth and was awarded a five-year scholarship by the organisation.

“I was extremely glad, I was so overjoyed,” said eleven-year-old Arriana, a resident of Barbary Hall in the parish.

Despite doing extremely well in PEP, Arriana related that she felt doubtful that she would be awarded the scholarship, when her mother applied for it on the JN Foundation’s website.

“I believe that a lot of persons would apply for it,” she related.

Arriana, along with 34 other top PEP performers across the country, were recognised as JN Foundation 2020 scholars. The cohort consists of one recipient from each parish and county, while 18 are children of employees of The Jamaica National Group

The scholarship award was not a surprise to her grade six teacher, Nicolette Samuels McIntosh.

“Arriana has been a high achiever and a top student at our school, who doesn’t give up easily. Whatever she puts her mind to, she goes for it.  She is friendly and gets along well with her peers,” the educator pointed out.

Samuels McIntosh also disclosed that Arriana achieved perfect scores in the PEP Ability Test in grade six; and highly proficient rating in mathematics, science and social studies in PEP, while in grade five.

A prefect for the past three years, Arriana proved to be an all-rounder, who also did well in extra-curricular activities. She was captain of the schools’ challenge quiz team; a member of the debating team; and the math club. She also excelled in sports, as a member of the netball and the track and field teams.

“Don’t only focus on schoolwork; also pursue extra-curricular activities. When you focus only on schoolwork, you will get tired of it, and your brain will become lazy,” Arriana opined.

Outside of school-related activities, she enjoys reading; cooking her favourite meal of fried chicken and rice and peas; and playing dominoes, a game, she mastered by frequently observing her uncle and his friends play.

“I know how to ‘read’the game. I beat [won] my uncle twice,” she related.

Arriana, who is keen on becoming a nurse or paediatrician, is looking forward to attending her new school.  Already, her determined spirt is evident.

“I want to come first in class,” she said.

Like her peers, who are entering high school in October, the uncertainty brought on by the COVID-19 pandemic is a concern.  However, she explained that, if her new school resorts to online classes, she will be able to cope.

“I had ZOOM classes in Grade Six,” she related. “I am also confident that I’ll be able to participate in online classes at Hampton. I don’t want anyone to catch it [the virus], because many people are dying from it.”

The scholarship awards marks the 37th year since the inception of the JN Scholarship Programme in which numerous students have benefitted from five-year scholarships. They are required to maintain at least a 70 per cent average for the renewal of their award, each year. 

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JN Circle Distribute Vouchers to Needy Affected by COVID-19

Troy Bygrave (right), business relationship and sales manager presents electronic hand sanitizer to a representative of the St Thomas Parish Library. Sanitizers were also presented to the Morant Bay and Yallahs Fire Stations and the Morant Bay Police Station.

The Jamaica National Group, through its JN Circle Chapters, distributed some $9 million to fund projects and deliver grocery vouchers, to provide assistance for persons at the community level, who have been negatively affected by the COVID-19 pandemic.

The funds were made available through a Member Welfare Fund, which was established in March 2020, to deliver relief to those in need; and provide support to persons and organisations assisting the vulnerable; as well as, persons on the frontline, helping to control and treat COVID-19.

Claudine Allen, member ombudsman of The Jamaica National Group; and lead of the JN Circle, stated that the Fund has assisted the organisation to reach more persons who are in need.

“The COVID-19 pandemic has left the most vulnerable of our society in need. Therefore, this initiative was deliberately designed to assist those persons who have been affected,” Miss Allen informed.

She noted that the Fund was being administered by the JN Foundationand the JN Circle; to provide grant funding for initiatives, which seek to bolster the efforts of communities in the management of the COVID-19 crisis.

One beneficiary from the Fund was The Jamaica Constabulary Force in Christiana, Manchester, which was assisted to keep its team safe, while they were on the job.

The supplies included masks, hand sanitizers, detergents, and a snack counter for officers, working on the late shift. They were presented to the police, courtesy of the JN Circle Christiana.

“This gesture is timely. COVID-19 is being taken seriously by the police officers here; and, as part of the first responders to the pandemic, we are very exposed. I say a big thank you to JN Circle for this donation,” Inspector Simon McCormack, of the Christiana Police Station, said. 

Alethia Peart, business relationship and sales manager, at JN Bank Christiana, said that the police were identified for assistance, given their first responder role, in the fight against COVID-19.

The JN Circle Morant Bay made presentations of electronic hand sanitizers to the Morant Bay and Yallahs Fire Stations, Morant Bay Police Station and the St Thomas Parish Library on June 29.

All 16 JN Circles are currently identifying needs within their communities, arising from the COVID-19 pandemic, and are seeking ways to alleviate those issues through the JN Member Welfare Fund.

To date, through the fund, the JN Group has contributed $1.5 million to the Nurses Association of Jamaica, to assist the country’s nurses in their fight against the spread of COVID-19. The work of the National Council for Senior Citizens, the umbrella organisation what provides support to senior citizens, was also enhanced by a contribution of $1 million, through the Member Welfare Fund. The Police Federation and other communities across the country have also benefitted from the Fund.

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Pinching Pennies During A Crisis – JN Manager Advises Jamaicans To Spend Wisely Amid COVID-19 Pandemic

LIKE MANY Jamaicans, Millicent Powell*, a resident of Eight Miles in Bull Bay, St Andrew, is already feeling the economic crunch brought on by the ongoing restrictions on movement and social gatherings, due to the COVID-19 (coronavirus) pandemic.

The 60-year-old practical nurse, who provides geriatric care, has been out of work for almost two weeks.

“I lost my job without any warning. The day after the Government announced that Bull Bay would be placed under quarantine, I received a call from the wife of the elderly man I was taking care of. She just told me not to come back to work until further notice,” Powell informed.

“I was laid off without any pay or any surety that I would get my job back. It has been a devastating blow, because I honestly didn’t have much savings; and the small amount I had has already dried up,” she stated.

The mother of two, who has been the sole breadwinner for her family since her husband died a few years ago, said her bills have been piling up.

“Right now, it comes down to eating or paying my bills. My JPS (Jamaica Public Service) bill was due on the 21st of March and I couldn’t afford to pay it. My cooking gas is running low, and we will soon be out of toiletries,” she related.

Powell is, however, grateful to the Government for the weekly food supply they have been providing to the residents of Bull Bay since the quarantine was declared.

“It has been a big help for many of us,” she said. However, the Clarendon native is hoping that things will turn around soon, as she is uncertain how long she can survive under the enormous weight of the COVID-19 outbreak.

Rose Miller, head of the JN BeWi$e financial empowerment programme, said, unfortunately, Powell’s situation reflects the experience of many Jamaicans.

HAND-TO-MOUTH
“Many of our hairdressers, barbers, taxi drivers, farmers, vendors and tourism workers have found themselves in a similar predicament.

“The sad reality is that a majority of our population live hand to mouth, and they often have little or no savings on which they can survive during a time of crisis,” she related.

Miller, who is also grants manager at the JN Foundation, said it will take significant family and community support, the goodwill of corporate Jamaica and other entities, such as the Church, to ensure that all Jamaicans can weather this economic storm.

She also pointed out that Jamaicans will also need to become more creative to ensure that they are able to stretch the little funds they now have. The JN Foundation financial literacy expert suggested that persons consider the following tips to manage their financial resources during the coronavirus crisis.

1. Reach out to your creditors

Miller noted that the good news is that many utility and other companies are aware that some persons are experiencing financial hardships as a result of the COVID-19 restrictions.

“Some have designed programmes specifically to assist their customers during this rough time. Therefore, if you find yourself in the spot where you won’t be able to meet your financial responsibilities, it is wise to reach out to your creditors, because they may be willing to work with you until you are back on your feet,” she advised.

2. Make partial bill payments

“The truth is that many people will be forced to choose between paying their monthly bills and providing sustenance for their families,” Miller said. “If you are faced with that dilemma, you may need to prioritise your bills and make partial or minimum payments, where possible.”

3. Be creative with your meal preparation

Miller said the Jamaican idiom, ‘tun yuh han’ mek fashion,’ will come in very handy at this time. “You may need to get creative in the kitchen to ensure that every member of the family eats, and that you are able to make what you have last for some time,” she said. “Take advantage of discounts, and switch to cheaper brands, where possible.”

She noted that in some instances, persons may need to forego or reduce the amount of poultry or fish they consume in favour of more affordable alternatives, such as callaloo and cabbage or canned goods. “Other vegetables, such as carrots, peas, beans and potatoes, can also be used to stretch your chicken or beef dishes. It may also mean that you will only be able to eat two or even one substantial meal for the day instead of three big meals,” the JN manager said.

4. Listen out for opportunities of assistance

“Keep your ears to the ground so that you do not miss out on any opportunity for assistance from the Government, the Church or corporate Jamaica,” Miller recommended.

Some organisations, including financial institutions, have announced measures through which they will be providing relief or assistance to persons experiencing financial difficulties during the COVID-19 pandemic. The Government has also announced relief packages for affected groups, and some church organisations have been collecting donations to assist the most vulnerable.

Miller said persons in dire need of financial assistance should not be afraid to take advantage of any of these opportunities.

* Name changed.

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