Does anyone ever have no money at all?

[Thiscantgoonlikethis]

I have a reasonable job (35K) , two children. I co-own a home and pay some of the expenses towards it (council tax, gas and electric, tv licence, virgin, food, insurance) and I run one cheap car. I drive 40 miles a day on my commute.
I owe quite a bit in debt, which accrued when I moved.
I often have no money at all. No money on credit cards to spend. But this month I am skint much earlier than usual.
I don’t want advise. I want solidarity. It feels so lonely. I’m not sure anyone I know lives like this. People are going to pub gardens or to the beach and I’m trying to find some change for a tube of tomato purée.
I’m terrible with money, that much is true. But when you are skint for years, it sort of changes your relationship with money. No one will lend to you so you end up with high interest CCs.
Please don’t tell me to get a better paid job, there isn’t one. I’ve tried. I’m qualified and in the NHS.

Also that she could be struggling on for years, if not decades until she starts doing something constructive instead of digging herself further into a hole where the consequences of getting out gets worse and worse.

I still think the possible unfairness of the finances with the (ex?)partner is part of the issue - could well be that food, bills and likely child related expenses outweigh the mortgage payment, possibly on a lower income too.

So you know what to do, are you following your own advice?

If not, you're not the only one. My sister is a physio and has hip problems that affect her running. She knows exactly what to do to prevent the issues, but does she do it? No, she doesn't. Does she get frustrated with the issue? Yes. Does this change anything? No.

I now switch off when she talks about it because she has all the tools available to her, but she can't be bothered to put her energy where her knowledge and expertise is and follow her own advice.

Out of interest, why aren't you applying your skill and knowledge to your own circumstances?

You’re basically saying that you are happy to be permanently skint for the rest of your life. That sucks. How is that going to feel when your kids are grown up and having to bail you out? What lessons are you teaching them? What happens if they can’t get the things in life they need to succeed because mom’s maxed out on debt?

The analogy with a fat person doesn’t work. If you’re unhappily fat you’re only affecting yourself. We all probably had irresponsible moments in our lives but now you’ve got kids. Grow up and deal with your behaviour towards money.

Not without it destroying your credit record for six years so you may as well not pay it at all because the damage will be done by them freezing the interest. It’s registered as a default.

Find a man who will spend more on you and buy own brand tomatoe pure.

Different circumstances, and I'm pretty good with money but by Friday I had 69p left in my current account until Monday.
I have a credit card with a limit of £1750, with only £50 left on it, and I needed food for me and my cats to get us through the weekend, so had to eat into that.
It's a horrible way to live, but I'm unable to work due to my health, and so my only income is disability benefits. With the col increases and an elderly very poorly cat I'm struggling.
I'm sympathetic to everyone in financial difficulty, whatever their personal circumstances, It's hard and can be relentless.