I am actually living that nightmare..tax credits make up my partners wage ..he works 6 days a week over =48 hours ,he is younger than me,we have teenager aged 16 all clothing adult size..I am pension age and to work full time is exhausting,there is little work locally ,we live rurally in a village poor transport links so teenager and partner need fares to largest town 50 mile round trip,school trips,packed lunches,fares for college,we live on my overdraft and no there are no trips out for any of us ,theatre,cinema,the car sits on the drive to save petrol,my partner is self employed caught in the nightmare that is zero hours contracts and sub contract work no holiday pay,no bank holiday pay no work =no money,robbing peter to pay paul, and playing catch up is the game....we have saved the government thousands our crime for not having a pension pot ..for the last 12 years I have been a kinship carer and unusual though the circumstances in our case having to fight a lengthy court battle took every penny and hundreds of thousands of pounds and the necessity to give up our good jobs for 10 years has left us living on the poverty line....