> I've never earned above £0, and at this point it's too late to care
If you have never earned above 0 at age 37, that suggests that you have a personal situation that actually prevents you from working, not so different from a disabled person might face. Just as tragic is the fact that people who do work full time and earn very little also end up in similar debt spirals.
In benevolent societies such people might end up being helped by the social safety net, but in less benevolent societies, they often end up on the streets. There are active experiments in decreasing benevolence right now across many societies.
it’s not terribly uncommon even in the UK to be generationally unemployable.
Homelife being bad = bad grades
bad grades = no support for further education
no basic (or further) education = disadvantage in entry jobs
no experience in entry jobs = red flag for employers (even for other entry level jobs in future where better educated folks fresh from school are also applying).
The larger the gap, the bigger the red flag.
I was in this trap, I just struck a particular lottery that the thing I love most (computers) was a booming industry which had no formal education requirements.
I don't know if it would be useful to you, but perhaps try reading some of the blog posts on earlyretirementextreme.com. Lots of good ideas there on how to save money, be frugal, etc.
If you have never earned above 0 at age 37, that suggests that you have a personal situation that actually prevents you from working, not so different from a disabled person might face. Just as tragic is the fact that people who do work full time and earn very little also end up in similar debt spirals.
In benevolent societies such people might end up being helped by the social safety net, but in less benevolent societies, they often end up on the streets. There are active experiments in decreasing benevolence right now across many societies.