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Hi everyone, I'm Gemma, 34. I live in London — Golders Green, to be precise. I've been a nurse at the Royal Free Hospital for 12 years. The last three have been hell. More on that later. I live on my own. No husband, no kids, not even a cat. My one-bed flat costs £1,200 a month in rent. Then bills, then food. After tax, I take home about £2,200. Just enough to get by in London. I do have one weakness: afternoon tea. China cups, a three-tier stand with sandwiches, scones, jam, clotted cream, little cakes. That small joy keeps me going. Once a month I treat myself — £35 for the ritual. It's the only thing that keeps me sane. But the rest is a mess. Over the last two years, I've sunk £14,000 into debt. Credit card, overdraft, payday loans. Why? The pandemic wrecked me. Sixteen-hour days, no days off, barely eating or sleeping. Then came cuts, reduced hours, inflation. My electric bill doubled. I got diagnosed with burnout and anxiety. I take pills to fall asleep, pills to wake up, pills so I don't cry in the staff toilet between shifts. I ignore bank calls. Letters terrify me. Every time my phone buzzes, my heart jumps. My grandmother raised me. She lives in Watford, about 40 minutes away. On the phone she always says: "Don't break, Jemma. You're strong. And don't forget to drink tea with lemon — remember how we used to?" I remember. I desperately want a proper tea set. Not plastic, not IKEA. A real one with a gold rim, like my grandmother's. It costs £480. I haven't been able to afford it for two years. Sounds stupid — a nurse in debt dreaming of teacups. But it's my only dream. --- Last Saturday I decided to treat myself. I went to The Dorchester on Park Lane — £45 for afternoon tea. Expensive, but I felt awful and told myself "just this once." Elegant dining room, chandeliers, quiet chatter all around. I sat by the window, ordered Earl Grey, watched black cabs roll down Park Lane. Then a group walked in. A huge man — nearly 6'6", athletic build, black
