The Guardian 14 May 2019
“I’m a bit scatty with things like this,” Gemma* admits when talking about her finances. It was not scattiness that meant she struggled to make ends meet when taking home £399.69 a month for working 18 hours a week as a cashier at Betfred. Even with tax credits and child benefit topping up her meagre wages, it was a constant struggle to pay for the essentials and Gemma fell behind on her bills. She was already receiving letters, phone calls, texts and emails threatening legal action over previous unpaid bills, as well as £400 of benefit overpayments that had to be repaid.