'"People think, oh, you drink your money. Or it's a ‘budgeting issue’. But you use your cash card once a week, on payday, and then you don't use it again, cos it's empty. I don't think people realise how hard it is, not being able to provide. If I have to put my phone into hock so the kids can go on excursions then I will. Nobody rings you anyway, there's no petrol to go anywhere and no money to do anything, so you just sit home."'