I am going to sound very naive here, but reading this post has made me cry as it is like reading about my life.
I work 4/5 shifts a week, single mum, 3 kids, 2 at school and 1 at nursery. Come September the youngest will get 30 free hours a week and I’m hoping it will make life easier.
I currently have 83p in the bank until payday. My ex put fuel in my car for me today, which is great, but means on payday I have to pay him back and put fuel in my car again.
My nan helpfully suggested that I get rid of unnecessary things, like the internet. Yes maybe it is a luxury but I have a 15 year old who needs do do her school work, most of which is online. She also thinks that the reason I struggle so much is because I don’t budget properly. As many other posters have said, I budget to the very last penny. I walk around the supermarket with my calculator and can’t even pick up an extra drink/chocolate bar/bag of pasta etc. I meal plan and absolutely hate having to tell my DC that they can’t eat anything out of the fridge as it’s needed for the week and I can’t afford to replace it.
My work provide free sanpro and last month I filled my pockets with tampons and prayed I wasn’t selected for a random search when I finished. I have also put toilet rolls in my bag when needed.
So many other things, I could be here all night listing them! Paying with coppers for milk and bread, digging around the back of the sofa for change, having to get my daughters dad to pick them up as if I drive to his I won’t have enough fuel for getting to work the next day.
I can’t get credit so have no overdraft etc as my credit rating is horrendous.
I was talking to a colleague and she said she’s struggling this month, I told her that I am too, she then said that she’d had to dip into her savings to get to the end of the month, I then realised we have very different definitions of being skint!
It’s fucking shit, and unless you’ve been there you don’t understand.