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Useful

 My yoootooob channel has really taken off and I am spending a lot of time moderating and replying to comments. People are looking for answers. I try and help. Copy and paste is very useful. Comment from a subscriber. 

But what if you dont even have enough to buy what you need to buy..... ? Common sense is all very well and buying whats u need and living with in your means to save is all very well bit its not as simple for everyone. Some folk dont even earn enough to cover the basics and jobs just dont pay well enough.

My reply. 

I agree, it's not as simple for everyone, because they have never been taught about budgeting. They have never worked out what they actually need. Everyone's needs are different. Someone might think they need to have a takeaway every Saturday night, but the truth is, they don't. They want it because they have always had one on a Saturday night. The solution is to spend £2 on a bag of vegetables and make a stew that will last a couple of days. When people consider making a purchase of any kind, be it a small one like a bar of chocolate, or a large one like a new sofa, they should always ask themselves the same question. Will I die if I don't have it. No, of course you wont. If you can't afford the roof over your head then you must look for a cheaper one. Perhaps a smaller place, a flat or house share, or move to a different area. I for one would not pay London prices. I would rather live in a caravan in a field. If people are not earning enough in their current job they should look for another one, or get a part time job as well. I had a period where I did three part time jobs. One was fundraising for a charity 20 hours a week, it paid peanuts. I did dog walking for people in my village. And I started a small business buying and selling fancy goods and giftware. Imagination is the key to success. A defeatist attitude will drag you down. The path with least resistance will lead you know where. It's hard I know, but if the will to survive is there, and the ability to face the challenge is there, then eventually things will come right.

Now I will get my breakfast. Toodle pip.   ilona

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