tags: advice, diet, poverty, support, wellbeing, debt
There is an excellent documentary on the BBC about the debt trap aimed at very poor people, and the burgeoning loans / pawn shop "industry" that profits from it.
Debt Valley video
Succumbing to such problems tends to run in families, because the children learn what they see, and lack role models that would be helpful.
I've already published an extreme example of how to eat adequately on very little money (£1 a day - really), and as a way out of the trap of having to borrow money for a couple of days before pay day / income support it really works. Having survived one week without paying several pounds to loan sharks, you are better prepared for the next week.
Victims often say "you can't survive without loans on a poor income."
The truth is very different - on a poor income, you can't afford to give money away EVER to criminals, legal or otherwise. You can't afford to do it on a regular basis, either.
Having survived a week or two without loans, the next best aim is to find a high quality diet on a low income.
After food, poor people's most regular reason for needing an urgent loan is for energy bills. Gas is getting dearer, but electricity as a sole source of energy needs managing well.
An electric cooker, especially the oven, is very expensive to run. 8 kilowatt cookers aren't unusual. That's £1.12 an hour at 14 pence per unit of electricity.
I've known people say "I can't afford to buy a microwave on my budget."
If you are poor and depend on electricity, you can't afford not to.
Managing your money on a week by week basis continually leads to problems. Everyone needs some cash saved so that they can buy things that improve their lives - and make further savings possible.
The other huge obstacle that poor people face is the barrage of adverts that blight TV. TV adverts are design to take away your money. That's their only objective. They particularly aim at children, and children depend on their parents to know what is good for them. Fried packaged advertised junk isn't. Refined sugar isn't. Fresh food is, and very often it is cheaper than the junk.
Their is very little on the TV that informs people about healthy eating. Fortunately the BBC does good documentaries.
It is understandable that someone living with the continual threat of debt needs comfort. Chocolate is a favourite.
But the packages labelled chocolate in most shops aren't mostly chocolate (i.e. cocoa), they are mostly refined white sugar, which I could buy for 50 pence a kilo (local supermarket) so imagine how cheap it is wholesale.
The good news is, you can make your own.
2 tsp cocoa
1 tsp coffeemate lite (or similar)
result drinking chocolate - with no tooth decay :)
The most difficult habit to change seems to be the belief "I can't save, not on this income". Well you can't afford to give money away regularly to loan sharks, either, but plenty of people do.
Everyone burdened with debt and/or poverty needs support groups
advice, debt, diet, documentary, fast food, poverty, support, wellbeing, education