After two months, you finally find a private let in Rochdale to rent. The council pays a bond to the landlord for the deposit and one month's rent in advance. You move in but it is unfurnished other than a bed and it smells damp. It’s 3 degrees outside and you only have £10 left until your next Universal Credit payment lands in two days. Do you buy electric to heat the place, or buy some food for the fridge?