Energy bills

A mum-of-three who left the UK three years ago and moved her family across the world has said the biggest reason for moving abroad was how expensive things are at home

A mum-of-three has claimed her “life is better” after taking her family across the world to escape the cost-of-living crisis. Many Brits have been feeling the pinch over the past few years, with the cost of everything from food to energy bills and petrol costs skyrocketing and leaving everyone with less money in their pockets.

But while many of us look at ways we can cut our spending by being more frugal with our food shopping or cutting back on family holidays, one mum has taken matters into her own hands – by moving somewhere more affordable. Lucy Richardson shared a video on social media in which she said rising costs were one of the biggest factors in deciding to move her family abroad for a new life.

In a video shared on TikTok, Lucy explained that she, her husband, and their three young children decided to leave the UK in 2023. They now live in Bali, Indonesia, where prices are so low that she can completely fill her moped for just £4 – and the tropical weather and gorgeous views are just a bonus.

She said in her video: “The cost of living in the UK was completely out of control, and that’s why we left. We left nearly three years ago because two full-time working parents were not enough for us to sustain the life that we had in the UK.”

Lucy revealed that she and her husband were working full-time to try and support their family and pay their rent, but were finding that they were barely getting by and described their situation as “surviving” and not “living”.

She continued: “We just felt like we were constantly chasing our tail and constantly paying stuff out. Then we had this tiny little pot left over to actually enjoy ourselves and do things that we wanted to do. Then, because there wasn’t enough money, we would put it on a credit card, and then we were in this massive circle of debt.”

The mum-of-three said she could see her family being in this cycle for years, potentially never being able to live their lives until they were retired, by which point they could be “too ill or too old” to enjoy it.

What’s more, Lucy felt like she was missing out on spending time with her three children, as they were growing up without her while she worked full-time to support them. So, the family made the decision to leave the UK and move to Bali.

She said: “It was a crazy, vicious circle that I didn’t want to be a part of. So we left. We now have a much simpler life.

“Today, we just filled up our moped for £4. The same petrol that you have in the UK, and that’s a full tank that’s going to last me for two weeks. Four quid. It’s absolutely crazy.

“Now, we have a much simpler life. We don’t have to go to a nine-to-five [job], and I get to see my kids’ childhoods. So I know what I would rather pick, and that’s why we left the UK. So many people ask, and it’s the cost of living. It was just too high.”

Many commenters on the post praised the mum for having the courage to take her family across the world for a better life, with many saying they wish they could do the same.

One person said: “Well done, you, for taking that step and leaving the UK to better your lives. We are a family of five and totally understand where you are coming from. We class ourselves as the working poor. Working but have nothing to show for it because everything goes on paying taxes and bills.”

Another added: “Agree totally, Britain is a rip off. You did right in getting out.”

A third posted: “Same here. We left six years ago for Spain and it’s so liberating. Our relatives can’t believe how much less we pay month to month here and can now appreciate why we left.”

The money-saving expert said earlier in the week that he expected energy prices to drop soon in some rare ‘good news’ for hard-pressed Brits

Martin Lewis says that energy deals are already becoming more affordable following an agreement between the US and Iran. The money-saving expert stated earlier this week that he anticipated prices would fall soon in some rare ‘good news’ for financially stretched British households concerning energy costs.

This followed an announcement of an accord between the US and Iran to cease hostilities and reopen the crucial Strait of Hormuz. The memorandum of understanding, which is now active, was signed on Wednesday by Donald Trump and Iranian president Masoud Pezeshkian.

This has seen the cost of oil and natural gas decline, resulting in a reduction in energy prices. At the time of writing, Brent crude has fallen by approximately $7 a barrel and UK natural gas by roughly 14 per cent.

Mr Lewis confirmed that fixed energy deals were already being made available that were around 5 per cent more affordable. He stated: “Energy fixes have started to get cheaper, now 5% below April price cap.”

However, Mr Lewis cautioned earlier this week that people shouldn’t anticipate a substantial reduction in the next price cap, which runs from October to December.

The next price cap is expected to be announced on August 26 by energy regulator Ofgem. Approximately 60 per cent of households in England, Scotland, and Wales remain on a standard variable tariff, meaning their costs are governed by the price cap.

The current energy price cap is due to increase on July 1 by 13 per cent. This means that a home with typical energy consumption paying by direct debit will face charges of £1,862 annually.

That marks a rise of £221 compared to the previous price cap – and Mr Lewis cautioned it could climb even higher, despite the cessation of hostilities.

He stated: “The US and Iran signing a framework deal has pushed natural gas prices down. These wholesale prices are a key driver of UK gas and electricity bills. As the six-month graph shows, though, prices still have a long way to fall before returning to pre-conflict levels.

“The good news is that this could lead to slightly cheaper fixed tariffs being launched in the coming days. However, without substantial further drops the October price cap still looks likely to be significantly higher than it is today.”

He was subsequently questioned about why he believed the price cap would increase from October. He responded: “It’s the same reason the energy Price Cap HASN’T yet risen due to the Middle East crisis. It is time-lagged. So slow to rise, slow to fall.”

HANGING up the phone after her landlord told her he’d be selling her home, Melanie Bentley-Moore looked out at the pouring rain and decided to leave the UK.

The mum-of-one, from Manchester, has now packed her bags to move across the world. Her rent will be half of what she pays back home, and she can eat out for just £1 a meal.

“I got a call from my landlord saying he’s selling, and I said, ‘Do you know what? I’m just going to leave the UK,’” Melanie, 33, tells the Sun.

“I’m scared, but obviously I’m doing it anyway.”

She has booked flights to Thailand in early September, and is staying at a friend’s house until then.

Explaining why she’s so desperate to move overseas, Melanie explained how Asia is much more affordable than the UK.

“Petrol, energy, food, you notice the food goes up in price; however, they decreased the packaging sizes,” she says.

There, she explains, she will be paying significantly less rent, with a “really nice apartment” costing around £400 a month, compared to the £750 she pays at home, and an evening meal just £1.

Melanie left the UK in 2017 to travel around Asia, using Vietnam as her main base.

But she returned to the UK two years later because she was missing chip shops and Nando’s.

Then her son Antares was born in 2020, and she decided to stay.

But astrologist Melanie claims she has wanted to “get back out there” ever since.

And she has slammed those who also yearn to leave the UK for sunnier shores, but just “talk” about it, and never move.

She has now sold all her belongings, and she and her son will be jetting off to Asia to live their “best lives”.

“Here it feels like we’re surviving; however, I know in Asia, where I’m heading, I’d be able to thrive instead,” she says.

“I wouldn’t get anxiety paying for a food shop, the contrast is massive.

“Your money goes a long way.

“I could stay on the beach somewhere, and it would cost half my rent.

“When I used to live in Vietnam, I wasn’t really doing food shops there because it’s so cheap to eat out. I was having my tea for £1.

“After looking now, it will be around £400 rent per month, that’s for a really nice apartment.”

But the cost of living isn’t the only reason she’s quitting the UK.

“The energy here just feels heavy, it’s dark,” she says.

“There’s no room to grow. The majority of people are miserable because of all the stuff that’s going on, the cost of living, everything’s rising.

“I just don’t feel alive here, and I think that’s not just a ‘me’ problem either; everyone that I’m speaking to just feels soulless.

“I’m just bored, I can’t live ‘Groundhog Day‘, I can’t just continue this way.

“Just hearing everyone else complain, that weakens my spirit.

“Most people are miserable, and they’re always complaining; it seeps into everything.

“It’s like an infinite cycle of ‘rinse and repeat’ complaining. It’s just a feeling, I just don’t feel alive. It sucks the soul out of me.”

Explaining how she chose her destination, Melanie says “I lived in Asia for two years, so I’m very familiar with that area of the world.

“I was only meant to go for three months, but I ended up staying out there for a couple of years, travelling around Asia.

“My main base was Vietnam, I did some English teaching out there and came back home because it’s something random, I really wanted chippy and Nando’s.”

According to the single mum, she also wants to show her son “real life”, and she prefers the values in Asia.

And she has taken Antares out of school, as she prefers education systems where children start school later.

Discussing how she believes the move will positively impact her son, she says: “I’m going to do some charity work and volunteering with him. There is no better learning than real life.

“He’s only five, I prefer the Scandinavian way.

“In Scandinavia, there’s a reason why their children are the happiest and most successful because they don’t start school till they’re seven.

“With the values and stuff, life’s just better over there. It’s slower, it’s sunny, the scenes are beautiful, and you realise there is so much more to life than what I’m used to. It’s a completely different culture as well.”

Melanie has also said that she wants people to “follow their hearts”.

“It’s no good talking, there’s a lot of talkers out there – I ‘do’.

“I refuse to stay here in a life of struggle and misery. The energy is dark, it’s always raining, it’s grey.”

“I feel so soulless and miserable in this place, and I’m not doing it anymore, and I thought f*** this.”

“Life is for living and feeling joy and love and wonder, I don’t feel any of that here.

“There is something about England energy-wise that is just so off.”

A BBC expert has warned more than 270,000 people in England, Wales and Northern Ireland

More than 270,000 people across England, Wales, and Northern Ireland have received letters through the post, according to a BBC expert – and those who ignore them could find themselves facing court action. Viewers of BBC Morning Live were recently warned about the thousands of letters connected to county court judgements that have been dispatched over the past 12 months.

Expert Laura Pomfret explained to viewers that a County Court Judgement (CCJ) is essentially a court order issued in England, Wales, and Northern Ireland when someone fails to repay a debt and the creditor pursues enforcement action. She noted it could come from a council, company, landlord or a private individual – and if left unpaid, it can appear on the person’s credit report.

She said: “I think that’s what a lot of people resonate with that they’ve heard of CCJs can be bad for your credit. They stay on your credit report for six years. It can impact you getting a mortgage, even getting um a rental property. Sometimes credit checks are done, even when getting a mobile phone contract.

“It’s definitely something to avoid if someone can avoid it, and worryingly, in the first quarter of this year, over 270,000 new CCJs were registered, and that’s 17.5% up on last year. So this is obviously showing that people are struggling and in the energy industry is something that you know it’s it’s getting bigger and bigger.” She explained that these are frequently issued to those falling behind on energy bills — with the latest Ofgem figures revealing debt standing at £4.5 billion — while Energy UK puts the figure even higher at £5.5 billion.

She added: “That’s like such a big bill that lots of people are pay and people pay every month clearly struggling with it. And interestingly as well, credit card transactions in February were up 6% versus last February whereas debit transactions were only up 1%. And that also shows, you know, that people are having to rely on credit for even the most basic of bills.”

Ms Pomfret noted that receiving a CCJ typically follows a series of threatening letters, meaning the householder will already be feeling anxious. She said: “Firstly, it is upsetting to receive a formal document like that. If you get that through the post, it’s got a court seal on it it’s very formal. It might have followed you, you know, debt demand letters with red writing all over, which is overwhelming.”

“Firstly don’t be overwhelmed is easy to say but don’t be alarmed like it’s just a formal process it’s essentially a document asking you asking you for money and so it if it comes through the post you it will tell you what you owe it’ll tell you how to pay it and it will also tell you the deadline by which to pay so you have a few options when you receive a CCJ.” She explained that the first option was to repay the debt – and if someone does so within a month, it could be removed from their credit file. She said: “After that, it stays on your report, but it says that you paid it. So, please make sure you prioritise paying it.”

It’s also possible to vary the terms of a CCJ, she noted, which involves approaching the court to attempt to alter the conditions of the judgement. “Another thing that you may be able to do is apply for what’s called breathing space. So this is formerly called in England and Wales the debt respite scheme. “What this does is it gives you space from creditors, including the CCJ, and maybe gives you time to make a plan to pay it back or speak to a debt advisor, which is super helpful. The last thing that you may be able to do is you may actually be able to get the judgment or CCJ set aside. or recalled if you believed um that it’s an error.””

She stressed that there would need to be a legitimate reason to apply for it to be set aside, including submitting evidence, primarily that the individual doesn’t owe the money or that it’s a mistake. She added: “Another reason is that you didn’t receive the original claim form. So before a CCJ is issued or a decree is issued, you will get a claim form put forward and there’s an opportunity to respond.

“So you could have, for example, the wrong address, it could have been sent somewhere else. You may not have received it. Now, the court’s not going to take kindly to just saying, ‘I didn’t receive it.’ It’s kind of like the dog ate my homework sometimes for some people, but you may genuinely not have done. So that could be an option. Ultimately, you’re going to need evidence, you’re going to have to fill in the correct forms. You may have to pay fees to get it set aside, but you know, in the long run, it may be worth doing tha if you don’t want it to damage your credit.”

To find the steps and court forms involved in asking a court to vary the terms of a CCJ or decree, such as requesting to pay in instalments, or even how to get a judgment cancelled, you can click on the links below.

For England, Wales and Northern Ireland you can click here.

For Scotland you can click here., external

There temporary protection from your creditors while you get debt advice and make a plan.

In England and Wales this is called Breathing Space, and you can find information on that by clicking here., external

In Scotland this is called a moratorium, and you can find more information on that here.