You may be heavily overestimating lifestyles in 1900.
Here's a very interesting book written in the early 1900s looking at families with a father in solid employment, ~~renting for~~ (edit - living on) about 1 pound a week in London. They're poor, but not the poorest - not in the workhouses.
https://www.gutenberg.org/cache/epub/58691/pg58691-images.ht...
Regardless of precise lines, I recommend reading this as an actual look (mixture of descriptive prose and figures & stats) at life for people of the time.