Rich House Poor House: Families with £1000 different weekly budget swap lives for TV experiment Breaking News

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Rich House Poor House: Families with £1000 different weekly budget swap lives for TV experiment Breaking News

A couple who had spiralled into £11,000 worth of credit card debt, and have never taken their children out to dinner swapped lives with a family of wealthy veterinary surgeons for a TV experiment.

Part-time hairdresser Sarah Timmins, 29, and husband Ross, 28, a former Navy engineer from Redruth, Cornwall swapped with Colin and Lizzy Whiting, for Rich House Poor House, which returns next week.

The Timmins’ and their two children usually survive on £122 and are among the poorest 10 per cent in Britain, while the Whitings have a £1,235 weekly budget after rent, mortgage and bills. 

The family live in a sprawling £700,000 farm house set on nearly nine acres of land, along with sheep, chickens, cats, Harry Potter room and a tree house in St Columb Major, Cornwall.   

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Sarah Timmins, 29, husband Ross, 28, and their two children lived in a two-bedroom terraced house in Redruth, Cornwall

Sarah Timmins, 29, husband Ross, 28, and their two children lived in a two-bedroom terraced house in Redruth, Cornwall

Sarah Timmins, 29, husband Ross, 28, and their two children lived in a two-bedroom terraced house in Redruth, Cornwall

They swapped lives for the week with Colin and Lizzy and their two children Kate and Philip, who lived in a five-bed farmhouse in Newquay

They swapped lives for the week with Colin and Lizzy and their two children Kate and Philip, who lived in a five-bed farmhouse in Newquay

They swapped lives for the week with Colin and Lizzy and their two children Kate and Philip, who lived in a five-bed farmhouse in Newquay

During the show, Sarah and Ross explained how they began to rely on borrowing from high-interest credit cards to cover emergency spending.

‘We do have a considerable amount of debt but it hasn’t been brought on from living a high lifestyle,’ he said.

‘We come stuck on a bill at the end of a month and we put a little bit on the credit card. But then in leads to a downward spiral.’ 

Ross, who works six days a week and sometimes up to 90 hours on a shipyard, said that their monthly payments of more than £500 only just covered the interest and they hadn’t even made a dent in the £11,000 they had over six cards.

Sarah and her husband racked up £11,000 worth of credit card debt and had a tight budget to look after their children

Sarah and her husband racked up £11,000 worth of credit card debt and had a tight budget to look after their children

Sarah and her husband racked up £11,000 worth of credit card debt and had a tight budget to look after their children

Colin and Lizzy decided during the swap that they wanted to do something to help their  counterparts change their life

Colin and Lizzy decided during the swap that they wanted to do something to help their  counterparts change their life

Colin and Lizzy decided during the swap that they wanted to do something to help their counterparts change their life

Colin is the director of his own veterinary surgery and Lizzy is a part-time on-call vet and have a weekly disposable income of £1,235

Colin is the director of his own veterinary surgery and Lizzy is a part-time on-call vet and have a weekly disposable income of £1,235

Colin is the director of his own veterinary surgery and Lizzy is a part-time on-call vet and have a weekly disposable income of £1,235

Without the credit card repayments, they could easily have doubled their weekly budget.

The Whitings slowly uncovered the truth about the struggle of the Timmins, speaking with their family members while staying in their house in Redruth.

They had just a taster of what it was like living on the breadline as Colin, who is the director of his own surgery, found himself constantly checking on the electricity meter and worrying about how much it cost to boil the kettle for a cup of tea. 

Sarah and Ross met as teenagers and fell into debt when they took out credit cards to help pay for their bills

Sarah and Ross met as teenagers and fell into debt when they took out credit cards to help pay for their bills

Sarah and Ross met as teenagers and fell into debt when they took out credit cards to help pay for their bills

‘Been in Ross and Sarah’s shoes has felt hard, it’s felt bloody hard. That the shortage of money is in your face just everywhere you turn,’ Colin reflected after the experience.’ 

Money was a constant worry for childhood sweethearts Sarah and Ross, which had put a strain on their own relationship, as they tried to provide for their two children as well as run a home and stay strong as a family.

‘We’re only a pay check away from being in trouble aren’t we?’ Ross said. 

The Timmins family were thrilled with the amount of space and loved the tree house in the front yard

The Timmins family were thrilled with the amount of space and loved the tree house in the front yard

The Timmins family were thrilled with the amount of space and loved the tree house in the front yard

But the week they were able to live carefree without the strict need for budgeting.

They enjoyed a day trip to the Eden Project – the cost of the trip being three quarter of their usual budget – as well as treating the whole family to a spot of ice-skating, followed by burger and chips at a cafe on site.

The couple also treated their children to new toys worth £90 on a shopping trip, and pampered themselves at the hair salon spending £80.

And after spending £100 on a romantic three-course meal for just the two of them, Sarah said: ‘With the reality of family and debt, you forget, you tend to fall out of love.

‘Sometimes you need to have a kick in the right direction and reboot everything and remember how you got here and that’s because of each other.’  

When Sarah and Ross, who hadn’t had a holiday since their honeymoon in 2014, discovered the letter at the home after their week away in the countryside they couldn’t believe their luck. 

‘For a family to have stepped in our shoes and offer the gesture that they have and never actually met us is something that I never really thought existed,’ Ross said.

‘It will be life changing. It is a dream,’ Sarah added.

The new series of Rich House Poor House airs on Wednesday 2nd May on Channel 5 at 9pm.

Rich House Poor House: Families with £1000 different weekly budget swap lives for TV experiment Breaking News

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Rich House Poor House: Families with £1000 different weekly budget swap lives for TV experiment Breaking News

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