"Scruffy Bugger" is a song depicting the gritty realities of life for a working-class Londoner. The lyrics paint a vivid picture of poverty and struggle, using imagery of worn clothes, unclean money, and cramped living conditions. The repeated refrain, "Oi, I'm a scruffy bugger," embraces this lifestyle, highlighting a defiant spirit in the face of adversity. The song utilizes Cockney rhyming slang and vivid descriptions to portray a character navigating a life of low-level crime and hard times, finding humor and resilience amidst the chaos.