The future petrifies me.
I used to plan for things such as if my rent went up, school holidays, birthdays, children changing schools, if my car broke, mots and much more but right now I freeze. Its heart breaking not being able to plan and having to live hand to mouth day to day.
Just recently I got a nail in my tyre on the school run, I have no expendable income and I had to beg and plead with family members to help me. After food and bills I have nothing spare to save for such incidents and that is the difference between independence and being stuck with no transport and 3 children in 3 different educational settings