It baffles me how people still dont realise how easy it is to fall in to poverty.
I know a lovely family who this has happened to. In their early 30s with 2 young dc. They were not married, but had been together 14 years. Both worked, her days him nights. Rented house, shared 1 car. Never used childcare as the managed to juggle it between them, were generally very careful with their money and had to budget but lived within their means.
Then one day he didn't wake up. He passed from SADS. That was one income lost. They didn't have much in the way of savings so she had to put part of the funeral on a credit card. No family to /able to help.
Because they were not married and because she worked and they collectively had earned over a certain amount, she could not claim any type of help at that point.
She returned to work, as their policy only allows x amount of time off with pay. Now she also had to pay for childcare. She applied for benefits. In the meantime her car broke down, £250 to fix it. She needs the car as she couldnt drop the kids off and get to work on time without it. She uses the cc again.
Dcs struggle with losing their dad, she gets called out of work to the school alot, gets issued a warning about her attendance. she has a breakdown and gets signed off work. Now on SSP. Goes back to work as cant afford to live off ssp, she then starts to receive a small amount of benefts. Then her eldest dc tried to kill himself. More time off work. Only allowed x amount of paid time off. She tries to change her hours at work but they cant accommodate what she needs. She has to take.more time off/phone in sick ro deal with her dcs. Has another break down ends up on ssp again. Benefits stop and start. She falls behind on her cc payments and her rent. Car fails its mot. She cant fix it. Looks for new job closer to home with different hours but cant find anything in her area, with no car its difficult to travel and juggle the kids. No savings to move. Loses her job eventually. And this is how it spirals. Kids need new uniforms. The washing machine breaks. You eventually use up all the bits in your store cupboard.
Everyones story is different. I could tell you 100 different versions because not everything is black and white. Yes some times it is down to poor life choices and bad money management. Some times its down to sheer shit luck and circumstance. Its easy to say get another job, sell the car, move house. Its not that easy in reality. Dont judge others because it is so easy to fall into the poverty pot, it really could end up being you one day.