This is just the post I needed today. I am living on less money recently, you know this. It is the status for me that is the issue. Didn’t realise that until you started it in this article. I feel that people are looking down on me because I’m not buying their children such big birthday presents.

I am also intrigued by the idea of the creditor’s advice. Especially as you said you could pay just needed a break. That is an idea I may explore more. Thank you as always.