Introduction Let me tell you about a conversation I had with a woman known as Patricia. She’s in her early 50s. Worked her whole adult life, paid her bills, never…

Introduction I still remember the exact moment I realised I was in trouble. It was a Tuesday in November, somewhere around week six of my first term. I was standing…

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Introduction The first time I sent money home from the UK, I used my Barclays account. I typed in my mum’s account number in Lagos, hit confirm, watched £300 leave…

I still remember standing at the Sainsbury’s self-checkout in Sheffield, card declined, queue of people behind me, six items in my basket. I’d just arrived from Lagos three days earlier….