Tax situation update - things are looking BAD

Tax authorities billed £7,600 for 2019–2020, including £600 interest; his mother lent £7,000, repaid at £500 monthly. He estimates £5,000–£6,000 for 2021 plus £1,600 each for 2022 and 2023–24; penalties remain unknown. At £800–£900 monthly YouTube income, expenses exceed income; he cancelled Christmas travel, returned his iPhone, and may draw savings.

Tax arrears turn declining creator income into a cash-flow crisis, reversing his recent financial confidence.