£50:

I am comfortably able to meet all of my basic needs. I may have some debt but it doesn’t prohibit attainment of basic** needs. I own my home or property or I rent a higher-end property. I can afford public and private transport. If I have a car/access to a car I can afford petrol. I have access to financial savings. I have an expendable*** income. I can always buy new items. I can afford an annual holiday or take time off.

£35:

I may stress about meeting my basic needs but still regularly achieve them. I may have some debt but it does not prohibit attainment of basic needs. I can afford public transport and often private transport. If I have a car/access to a car I can afford petrol. I am employed. I might have access to financial savings. I have some expendable income. I am able to buy some new items and I buy others second-hand. I can take a holiday annually or every few years without financial burden.

£25:

I frequently stress about meeting basic needs and don’t always achieve them. I have debt and it sometimes prohibits me from meeting my basic needs. I rent lower-end properties or have unstable housing. I sometimes can’t afford public or private transport. If I own a car/have access to a car, I am not always able to afford petrol. I am unemployed or underemployed. I qualify for government and/or voluntary assistance. I have no access to savings. I have no or very limited expendable income. I rarely buy new items because I am unable to afford them. I can’t afford a holiday or don’t have the ability to take time off without financial burden.

**BASIC NEEDS include food, housing, clothing, and transportation. ***EXPENDABLE INCOME might mean you are able to buy coffee or tea at a shop, go to the cinema or a concert, buy new clothes, books and similar items each month, etc.