Name: Holly
Age: 24
Occupation: Full-time mum
Income: £120 benefits a week
Dependents: 2 young children

• Holly’s housing is paid for by the Government.
• She plans to go back to work as a chemist when her children go to school.
• She checks her bank balance regularly to stay on top of her money.
• She doesn’t own a car and uses public transport instead.
• She sets money aside to cover birthdays, Christmas, school uniforms etc.

Think carefully about Holly’s situation.
Is she overspending?