I have, as they say in Liverpool, been on the bones of my arse… more than once.
In the past, I have been so skint that I owned just one pair of second-hand shoes (which were falling to pieces), and could only afford to feed my young children on fish fingers and baked beans from the cheapest supermarket. I had debtors calling on the phone at all hours and drove cars that others would have scrapped in an instant (one in particular, which cost me £50, had the driver’s seat wedged in place with a tree stump). And yes, this was in what is considered to be a wealthy country, so you can see how much I had messed up in order to reach that point! Read more