Maturing ISA no interest rates

the thing is, some of us are having to live on our savings, so cannot risk spending it. and we don't know how much we will need, so seems best to just continue spending as little as possible, esp as income is less than 10 pound a day. obviously bills are much more, and there may be unknown changes/ charges to deal with.
but i think premium bonds are a good idea. i always mean to get some more, but i find it difficult now that you can't buy them at post offices. i rather do things in person. that way i can understand what i'm doing.