If your employer requires you to work from home, you've always been able to claim for increased costs, eg, heat or electricity, for the specific time at home. Yet in October 2020, HM Revenue & Customs (HMRC) launched a 'microservice' which, even if you only needed to work from home for a day, allowed you to get a WHOLE YEAR'S tax relief.

In March, at the start of the coronavirus pandemic, the Chancellor was rightly lauded for putting together decades' worth of financial support measures in days. Millions of people, then and since, have had their incomes covered in a desperate time. Yet that has created a society of the helped and helped-nots. Up to three million people have been excluded from specific support schemes.

We've just agreed the final payments for my Coronavirus Poverty Emergency Fund. The total distributed is £3,414,143 to 415 small local charities (or organisations with charitable status). That's an average of over £8,000 per charity. For transparency, I want to run through how we organised, selected the charities, and where the money has gone. I hope this may also help others planning similar things in future.

We face an unprecedented challenge to our health, economy, businesses, personal finance and way of life. And many of those who normally help society – our charities – are going to face similar pressures right now too.