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My name is Tom. I’m 32 years old. I’m a lad from the outskirts of Manchester, in the UK. I’ve always tried to be a good person. Kind, easy-going, the sort who never says no if someone needs help. I’ve got my lovely wife Sarah and our little daughter Emily, who’s just 7 months old. Sarah’s on maternity leave now, so in reality the whole family depends on me. I’m the only one bringing in money. I work as a bin man. For some people that might sound embarrassing, but I didn’t have a choice. After school I didn’t go to university — I didn’t see the point. All that “school–college–uni” thing just felt like wasting years. I started working early, from 17, and took whatever job I could get. And getting a job as a bin man was no problem. My pay comes to about £1,850–£1,950 net a month when I take night shifts (they pay more at night). During the day I hardly see my wife and daughter — I come home shattered, clothes straight into the wash because I stink of rubbish, quick shower and straight to bed. Sarah only really sees me when I’m asleep during the day. It’s hard on both of us, but I keep quiet and carry on working. For my family. Money’s always been tight. This is roughly where my wages go each month: • Rent for a small flat on the outskirts of Manchester — £720 • Bills (electric, gas, water, bin collection) — £190 • Phone and internet — £45 • Subscriptions (Netflix, Spotify and travel pass) — £35 • Food for three — £420–£450 • Nappies, baby food, little things for Emily — £110 • Taxes and deductions already taken from my wages After all that I’d have maybe £100–£150 left for everything else. And we still needed to buy a pram, clothes for a growing baby, things for the house… Before my wife went on maternity leave, I’d taken out a loan for £4,800. Not for nonsense — for the pram, cot, first clothes and all the basics for the baby. I thought I’d pay it off bit by bit. But once Sarah went on leave, the income dropped and it became almost impossible. Each month I
