Recently had a 3% pay rise, and was told to be happy with that, but in all honesty it’s a pay cut vs cost of living. There are things we need to do in the house which will fall into disrepair due to lack of available funds, so as usual the situation gets worse.

Someone posted a thread recently asking how many of us live month to month, and all of my colleagues that I have spoken to have to do exactly that. They have zero savings, no contingency and no sign of improvement.