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chummy

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adjective informal old-fashioned British English pronunciation: chummy /ˈtʃʌmi/ 
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adjectivechummy
comparativechummier
superlativechummiest
  1. chummy people are friendly with each other, especially in a way that stops other people from joining the group
    get chummy with someone (=become very friendly with someone):

    I can't see him getting chummy with Bill – they have absolutely nothing in common.

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endies

Employed but with No Disposable Income or Savings: people who are in work but only earn just enough to live on

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