Great 'what costs more for if you're poor?' Hunt revisited

Oil for heating. If you live rurally & rely on oil, unlike gas/elec there aren't a range of tariffs to choose from. Add on top a low income & a severe health condition which relies on you to have a warm heated house & you have a massive financial dilemma!

Loans are more expensive if your poor

pay as you go energy tariffs....

Can be nothing worse than going to Supermarkets with a limited budget, and finding a single item (such as bread) costs £1.25 EACH or TWO for £2:huh: Yes pay 25% more for ONE.
There are other essential items which are priced in the same way.

The solution to the problem is for families of similar means to get together and list their requiurements, have one big shop and share out the benefits. Yes does take time, but when money is tight...............

My experience of shopping comes from childhood days, when I had a list of items to get, each item had a price alongside it, and a total at the bottom. This list included such things as fresh meat (which varied in those days) but whatever I purchased, the total had to add up to the sum of money i was given, AND above all I had to get all items listed.

Something i have never forgotten and i shall be for ever grateful to my late Mum for teaching me how to manage in difficult times.

Technically not a matter of being poor but some insurers use your credit score as a rating factor with premiums being increased if you've a poor credit history due to the perceived fraud risk (but of cause not all poor have bad credit history)

In many cases being better off opens up more discounts, particularly on higher end products. So cashback credit cards are typically for mid/ higher earners with very good histories. The higher Amex cards (Platinum Chargecard and Centurion) both give you free upgrades on hotel rooms, flights, discounts at stores like Selfridges etc which very easily outweigh the annual fees.