20 years old, self employed manual worker who broke his leg whilst on a night out drinking. The only night's drinking I'd ever been on before or since.

How quickly I ended up without any money and unable to pay rent was a real eye opener. The bank I'd used all my life denied me a very small loan, I had no friends I felt I could ask for money. Fortunately I live in a country where health care is free, and my sole client kept a place open for me to limp back into when the plaster came off. I managed to stay out of serious debt and kept a roof over my head, but skipped a lot of meals and went without heating for a few months. I've never forgotten the feeling of helplessness and that has been a driver for a lot of my life's spending and saving habits. We take a lot of things for granted, but they can often be taken away so quickly.