Bottle four description:
I frequently stress about meeting basic* needs and don’t always achieve them.
I have debt and it sometimes prohibits me from meeting basic needs.
I rent lower end properties or have unstable housing.
I don’t have a car or struggle to afford fuel.
I am unemployed or qualify for government assistance.
I have no financial savings.
I have no or very limited expendable** income.
I cannot afford a holiday or take time off without financial burden.
**able to buy coffee out, dine out, go to the cinema/theater/concerts, buy new clothes, books, and similar items each month.
*food, housing, bills, transport.