Thanks for the understanding, helpful input. Very constructive and not judgy at all.
Not that it's any of your business, I have DC at uni who doesn't qualify for anything above minimum loans of £4k per year (because of my amazing salary) , which doesn't even over half of the accommodation costs. I support my pension aged mother and mentally ill sibling (who cannot work, as much as they'd love to) so they can live, as opposed to exist.
I am frugal. Very.
You're missing the point though.
What I was sharing is that, for most of my life, I've never had to worry about money apart from when I first left home at 18 and then again when I went to uni. The past 2 years however, I've had less and less spending power and the last few months have been very difficult.
If you know of a way that I can come up with £25k (lowest quote) to make the kitchen safe and usable, please do share as I'm losing sleep worrying how l will ever have the money to do this. I've looked at loans and I don't think I can afford the minimum payments required to have the loan.
My current situation is that my outgoings are nearly the same as my income. I've never been in this situation before.
Whether people are on UC, pensioners, earning <£10k, £50k or £80k is not the point really. The point is that unless you're comfortable financially, with savings, little or no mortgage and maybe someone who could help you financially through this current difficult time, we are all struggling and having to make significant adjustments and choices.
Or maybe, as you suggest without saying it out loud, I'm totally crap with money and spending it on things I shouldn't. Whatever it is, I'm sitting at my computer with 3 hot water bottles, a hat on, 3 layers of clothing about to make a sandwich with filling I got for free via a food waste app which I use regularly.