Yes this is a moan!! And a pity party, yes I know some people are a lot worse off than us and they really do have my sympathy 
The reality of our situation has hit me hard tonight while working out if I could afford the £50 a month of swimming lessons for dc.
It’s taken me and Dh a long long time to become finically comfortable (about 10 years - 2 redundancy and lots of bad decisions) covid has come along and boom we are back up to our eyeballs in debt! Our income dropped around 40% but our bills didn’t in fact we were spending more and more on food etc.
All our savings wiped out and we now have a large credit card debt...which I have worked out will take us at least 12-18 month to clear (that’s being optimistic)
It doesn’t help that I’m down around £300/400 on my salary a month (with very little hope of this improving) and Dh will be made redundant within the next 6-8 months (this was known about and what the savings were for) he’s the main earner. .
I know and appreciate a lot of people are in the same situation. I have been applying for better paid jobs but don’t seem to be getting interviews/the jobs. I’ve started to apply for part time jobs around my full time one working evening/weekends, but these are getting 100 applications per job.
I had a look on the universal credit website and it looks like I’m entitled to zero! This of course may change..
It just really does make life so difficult and the future very uncertain.