I grew up in a lower-income household, my mum was self-employed so money fluctuated and some months were tough. I never went cold or hungry (although sometimes had some odd concoctions from the back of the cupboard), and always had decent shoes, warm coat and clothing. However, I did miss out on some things that I wish I could have experienced.
We couldn't afford lessons for any hobby consistently. I started ballet but had to stop as the local school closed and the others were too expensive. I had a few riding lessons for Christmas or birthdays but couldn't ride regularly (once I was a teen I mucked out stables after school for the odd ride). No music lessons, which I think I would have benefited from.
We never had a car, which is somewhat limiting. I could never call my mum to come and get me if there was a public transport issue, and it felt slightly awkward to get lifts from friends parents without being able to return the favour.
I was an avid reader, and regularly used the library - but I used to find the Book Fairs at primary school hard. Everyone would keep asking why I wasn't buying a book as I read loads. The teachers used to make me walk round the hall with everyone else to look at the books, and I remember being offered to borrow some money by a teacher as they thought my mum had forgot. I was about 8 and it was hard trying to explain that there wasn't enough money that month for luxuries.
I also missed our Year 6 trip as I told my mum I didn't want to go after overhearing her say how expensive it was, and I didn't ask to go on any of the optional trips at secondary school.
Ultimately the hardest thing was being evicted from our rented home of 19 years, when I was 14. My mum was distraught, and we almost became homeless. It caused me a lot of anxiety, but also drove me to prioritise buying a home as an adult, above travelling or having a nice car.