Living Wage - This country needs this, the minimum wage is ok but it is not sufficient enough to live on, it needs to be increased by around £1-2
Depends on your situation. I'm married, my wife is currently not earning as is working on a start up business idea, I only earn minimum wage, pay £250 a month to commute an hour each way every day for my job, we rent a 1 bed flat (in Brighton so expensive) and we manage fine. We don't live lavishly, we live well within our means but can still eat out once a week (more than most) and can plan holidays and day trips all within that budget.
I think if people managed their budgets more it wouldn't be an issue. The problem is people feel the need to spend on things they can't actually afford rather than prioritising between needs and wants. A lot of people don't understand that if you want something, you need to save for it rather than spending money you don't have because you want it NOW.
If you have kids, that's another story.