How I Survived My Very Own Financial Crisis

Hello there. It’s been a while since I updated about something personal (Who am I trying to kid? Almost everything I write about is layered in personal) but lately I went through something and I feel like sharing about it.

It was just a spate of bad luck that all happened at once. My whole family was sick at the same time as daily living expenses went up, plus I had appointments I had to travel for, and then my beloved pet got sick so I ended up with vet bills, and paying for the taxis that got me and my beloved pet back and forth to the vets. We had, as the old advert went, “More money going out than what [we had] coming in”. It was stressful and it’s only now that things are beginning to level out.

So, how did we survive? Well we couldn’t do anything to bring more income in at that point. For the family members that work, days off sick on 0 hour contracts are days you’ll never get back unless the boss will give you more hours (they didn’t), and it’s not like you can get more ESA just because your heating bill has gone up whilst you’ve been sick over the winter. Personally, I scrimped and saved and became a bit of a Scrooge. I’m ashamed to admit that I noticed i was over charged 70p on a money saving multi-buy item because of a glitch and contacted Morrisons about it to get that 70p back. Even now the vice-like grip of impending destitution (Hi I’m A failed Journalist and I like Hyperbole) has eased, I’m still being as cheap as possible until I really feel like the danger has passed.

First was that any and all points on any loyalty cards were used. I’d saved up quite a few Morrisons points over the last year and a bit, enough to get a lot off the Christmas shopping and still had some money left over to build up on from the new year, not to mention some £10 vouchers for the delivery being late. So £10 a week off the weekly shop helped a lot. Same went for Sainsbury’s. I hardly ever shop in Sainsbury’s, but I have done my fair share of ebay purchases over the last 10 years, and points have built up which I’d never had opportunity or need to use before. Whilst family members who normally care for me were sick with the same flu I’d had, those points went a good way to helping me buy microwavable meals. Boots was another that I had accrued over 10+ years, and £13 covered a nice little Boots spree that’ll keep me going for a few months.

One of my Morale treats is Subway. I originally got addicted to Subway, and yes, addiction is accurate – back before I went to Uni the first time. I loved the smell of the place, I loved the way the bread toasted and the cheese melted, and the way the tang of the gerkin mixed with the sweetness of the BBQ sauce. There was nothing quite like Subway. Unfortunately their ableism became too much for me to handle so I stopped going there, until the last couple of years where the one by where we moved started begging me to go in. And even better, these days Subway has ramps! Not always suitable seating, but ramps, and a disabled toilet! And the staff don’t talk to me through the mostly soundproof glass! Well, these days my food allergies and intolerances have changed my diet a bit, but a nice chicken salad does me no harm. And even better, once you get enough points, you get a free sub! I had enough for one and was well on my way to a second when my Financial Crisis Hit. I got the free sub for a free lunch, and kind companions without their own cards or apps have been happy for me to have their points so I could get a second within a month.

The second method was vouchers. And I hope you note the problem is with all this discounted food. I have the Burger King app. At full whack, you can pay £5+ for a meal at Burger King, with the app vouchers it allowed the same meal cost £2.99. And then McDonalds brought out it’s Millionnaire Winners tokens. With my Unidays app I got a meal, with the token I got from that that I got a McChicken Wrap and Fries, with the Fries I got a cup of tea. I’ve been given unwanted tokens from Carers and Friends. I had five meals for free or under £2 thanks to those tokens

The problem is, I hope you’re starting to notice, is that most of this quick, easy, discounted and free food is all fast food and convenience food. But nobody is thrusting a free lettuce into my face that isn’t on a burger, and nobody is offering me a half price home made roast dinner, and I can’t look a gift horse in the mouth (I’ve heard it’s nice in lasagne).

I save on bus fair by wheeling where I can, when my carer’s can manage the walk. I’m sure if I could walk places or even self propel, I’d be burning off all the calories I’m getting from the fast food but alas, I’m fully electric. If Jeremy Corbyn fancies extending his free public transport idea to under 45s, I’d really welcome that, too! Carers don’t travel for free, you know!

I wouldn’t like to imply that there was even a good thing about this, because I’d go through bankruptcy if it meant he’d have had something treatable that I could have bought medication for. But it does mean no more emergency transport to the vet, and the electric bill  go down as

So that’s foods, toiletries and transport. What about hobbies and other daily stuff? Well, luckily for everyone, I already had enough hobby fodder in from bulk buying on sale two years ago. So that’s keeping me going. I’m on the cheapest phone tariff I can find. I’m using a free student trial of Amazon Video to keep up with film watching and I told NowTV I could no longer afford their services, so they kindly offered me the movie pass for half the price I was paying. That has now run out but it was nice whilst it lasted. I didn’t have any other subscription services other than Cinema Paradiso, which I cancelled back in February.

On a bizarre twist, I went further out of my area with my travel pass for a cheaper trip to the cinema. The disabled travel pass meant my train journey was free, the cinema is a short walk from the station, and the ticket itself was £5.75 with a free carer ticket, and I don’t bother with concessions on a normal day, so I definitely didn’t bother on my “keep the price as low as possible” kick. With my local cinema it’s almost £20 there and back in a taxi, and between £8 – £11 for a ticket. The only downside was that the wheelchair seat was way too close to the front so I won’t be repeating that money saving venture again!

I might have come across as a neurotic scrimping fiend the past few months, but all I can say to those that helped me and gave me their freebies, is that i’m grateful. Indulge me in my hyperbole here, but helping me keep things as cheap as possible kept the stress and the tears at bay. And, I’m relieved to say that the clouds do seem to be parting. Working members of the family have been back in work and back to normal for a few weeks now, prescription costs are back down to a more affordable level, and the weather is improving so some of the household bills are down. But the books balancing doesn’t mean the money’s stacking up, it just means for now, the waves are settling. There will always be water, and rain clouds can gather again to flood us out of house and home, and there’s not much I can do to build up a defence against it other than what I did this time; And next time, if I’m knocked off kilter again soon, I won’t have anywhere near as much of the safety net I’d incidentally created for myself.

Sorry, unsually for me, that’s all I’ve got. It’s hard to end this on a positive note.

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