I don't care what you hear about heads of councils earning shiploads, yes, there are those but they are very much the exception. I work for the Met Office, have been at my job for 8-years, have a PhD and earn less than £30K – i.e. most civil servants earn relatively crap wages
Booze and fags – yes, this will hit the lower end hardest, but then again, how much does it cost the economy in health-related ilnesses.
Also, anything which involves ££ hits the poorest hardest as they've got the least disposable income