My missus and I fall in at that circa £25k P/A bracket, rent a top floor in a 1up/down, run a car, look after a dog, pay council tax, professional licensing costs, pet insurance, food for ourselves, electricity, and our own personal debts/bills. My old man passed away a month and a bit ago now with no will, nothing really in terms of assets and I’m having to foot solicitor/half funeral costs, what am I supposed to cut out to cover unexpected costs like that? Could apply for help, but would probably be told since me and my partner earn “around” 25k we won’t be eligible. 25k a year isn’t all that comfortable anymore, even more so with fuel prices and inflation. Not a lot of jobs going in my line of work as well, and that’s with a masters level education.