We’ve seen first-hand how many people are doing everything they can, yet still feeling the squeeze. Between energy bills, rent or mortgage, food, and unexpected costs… It's tough out there. Along the way, we also hear a lot of myths and assumptions that make things feel worse than they are. We want to bust five of the most common misconceptions, because knowing what’s true can help you make better decisions and feel less alone.
Misconception #1: “If I have a job, I shouldn’t be struggling” One of the things we hear again and again is: “If I’m working, then why do I feel like I can’t get ahead?” The truth is, having a regular income doesn’t automatically mean financial breathing space. With costs rising across the board (housing, energy, food), even people in full or part-time work can feel stretched. We know because many of our customers are in precisely this position. Working, doing the right things, but still finding it hard.
Misconception #2: “Budgeting completely solves it” We believe budgeting is powerful. It helps us see where our money goes, identify what’s essential vs what isn’t, and avoid nasty surprises. But budgeting alone doesn’t always protect us from external shocks, such as unexpected dental or repair bills or sudden price hikes. What budgeting does do is give us a clearer picture, help us plan, and potentially reduce stress. It’s one tool, not a cure to fix it all.
Misconception #3: “Struggling financially means you’re irresponsible or made bad choices” This is a misconception that hurts people more than anything. We see people who’ve done their best: held down jobs, looked after families, tried to save. Yet external pressures keep stacking up: the rising cost of living, inflation, interest rates, and bills going up. Often, it’s less about bad choices and more about circumstances. And we want to make sure you know: struggling doesn’t equal failure. It’s not about blame, it’s about moving forward.
Misconception #4: “Asking for help means I’m weak or have failed” We get why many feel this way. Pride, worry about judgment, fear of being told “you should have done better”—all of that is real. But here at Cash Converters UK, we believe asking for help is one of the strongest things you can do. Whether that’s seeking better deals, selling items you no longer need, using second-hand options, or simply speaking to someone about your situation, it’s not failing. It’s being resourceful. And we’re here to help you do just that: offering quality second-hand goods, fair trade-ins, or instant cash for unwanted items. Because sometimes turning what you have into what you need makes a real difference.
Misconception #5: “If you’re struggling now, you’re stuck” This is perhaps the most damaging myth. Feeling like you’ll always be in this position can stop you from trying anything. But from what we’ve seen, many people do improve their situation. Small steps matter:
We’ve helped loads of customers do just that, with our 12-month warranty on second-hand items, with good value in our stores, by giving instant cash so you can meet an unexpected need, and by offering affordable, quality alternatives. You can turn it around.
Some Context… We’re Not Just Saying This…
To be clear: the pressures we talk about are real and widespread. For example:
These aren’t just numbers; they represent people, our neighbours, sometimes ourselves.
How we at Cash Converters UK work to help
Because we want to play a part in easing the burden, here’s what we do and offer as part of our promise to our community:
What you can do now
Some small steps can help you feel more in control:
Bottom line? Struggling doesn’t define us. Myths and misconceptions can trap us in worry and shame, but knowing what’s true and what we can do gives power back. Here at Cash Converters, we don’t just sell items or give cash. We try to be part of the support network: real, honest, practical help.
