If you are 1 bad month away from losing everything why are you making £400/month car payments. Over £200 a month on food delivery. £90 a month phone contract. £150 a month on TV and streaming services.

These are real people I know. Like yeah the economy isn’t great but you are not helping yourself. Cut back a bit and you could easily build up enough savings to cover several months if something bad was to happen.

Actually suggesting these things to people is really difficult though. They immediately become defensive and try to justify all these luxuries as needs.