Bottle three description:
I may stress about meeting basic* needs, but still regularly achieve them.
I have some debt.
I am employed or self employed, but I work part time.
I have limited financial savings.
I have limited expendable** income.
I have to actively save in order to take a holiday.
I own a car, but struggle to cover tax and insurance.
**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.