Poor people should never take financial advice from rich people who have never been poor themselves. Even if they are compassionate and try to understand they can never really understand it.
Being rich means worrying about your investment portfolio losing value, or having to lay off your employees, or choosing a cheaper place to live or a cheaper annual holiday. Most high and middle income people are careful with their money, and their advice to slightly less well off people about how to budget would be useful advice. But for them to try and give advice to a properly poor person is just ridiculous, because they live in such a different world.
Being poor means you value every single coin in your pocket down to the coppers, you know exactly how much money you have on you at all times, and you have learnt the prices of all the best regular deals in LIDL off by heart. On pay day only a couple of your overdue bills get paid on time and the rest will have to wait because you can't go without food/ shoes for the kids etc. When the doorbell rings you shit yourself thinking it might be the bailiff again. You burst into tears regularly when confronted by things that rich people wouldn't even notice, like hidden bank charges, or an ebay buyer turning out to be a time-waster, or if it rains when you wanted to do a boot sale for some extra cash. The anxiety is unrelenting, you can almost feel it shortening your life expectancy!
Of course there are some scroungers who play the system, but many people falling into the welfare system for the first time, are in a grey area for a while where they have to sell their assets, reorganise schooling/childcare, decide whether or not to file for bankruptcy, find out if they are actually entitled to any help (which in many cases they are not because they technically still earn over the threshold), etc. In the mean time, while they are sorting themselves out, some bills are going unpaid and racking up interest and fees.
Your average poor person knows exactly how to budget sensibly. The only thing that will get them out of trouble is if they find a way to raise their income. Most are not hoping for an easy ride. They are just hoping for a job/promotion/sales increase.
Sorry for the rant but the next person who tells me to tighten my belt is going to get a punch on the nose. Oh how I would love to do just that to Edwina! 