If you need that to cover essentials, then what is the issue there? If you are on say 15,000 a year by today's minimum full time standards, then why would you be struggling so much? Granted it is not a great salary, but at the same time if you are grown up in terms of how you are living, that is not a struggle. I would like to know more about Amy as people who complain about money are in my experience sometimes pretty bad with money. Oh, weekend trip. Oh, nice restaurant. Oh, Thursday night 5 pints down the pub. Oh, must have those shoes next day on hangover shopping trip. Suddenly.....credit for the month. I am not Scrooge like, but balance and moderation is sometimes lacking in a consumer society.