First of all the things you have to do to earn it. Commuting through heavy traffic and dealing with office politics etc. Or not n my partners case sitting in front of the screen.
Then the relentless nature of bills...some of which collect interest if you're late.
I love to treat my did when I can but the needs for buying stuff is endless.
Then austerity which I think is very bad for the economy and has stopped growth. That's 20,000 less police who are receiving wages to spend on retail etc.
Just having a moan.