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    I was very depressed at the beginning of the year and when I get int that state I like to spend. I'm bad with money anyway but terrible when I am in this state of mind where I feel like if I don't make myself go out constantly (which means spending money) I'll sit alone in my room and think too much and the thoughts will make me even more depressed, it's gotten to the point where I've missed a rent payment. My parents are in no way to help me out and I've already maxed my overdraft. My next student loan wont be able to cover 2 rent payments while also preventing me from starving. I really have no idea what to do?
    I have a student credit card but I really don't want to max it out and I doubt that with me already using up my overdraft, I would be able to get it extended but I have no idea what to do.

    Any suggestions or advice, this is making my life hell to the point where my depression is getting worse with this added stress.

    P.S.I have tried applying for jobs and been rejected many times.
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    You need to speak to the finance people at uni.
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    (Original post by OU Student)
    You need to speak to the finance people at uni.
    I feel like my excuse is so feeble
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    (Original post by The Illuminati)
    I feel like my excuse is so feeble
    Well, actually it is pretty feeble. But it doesn't sound like you are left with many choices - you'll have to go see the finance people.
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    (Original post by Howard)
    Well, actually it is pretty feeble. But it doesn't sound like you are left with many choices - you'll have to go see the finance people.
    Thanks, I guess I have no other option:ashamed2:
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    Sell your virginity.
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    Keep applying for jobs...
    See the finance dept
    Pawn your belongings
    Try friends/relatives
    There's always the wonga etc. option but I'd avoid that given your financial state...
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    To be honest, I'm not even sure the finance people at uni will help. Your inability to manage your money isn't their fault.

    You need to speak to your landlord. A roof over your head is the most important thing. You need to let him/her know your rent will be paid as soon as your loan comes in.

    Beyond that you need to beg meals from friends. Consider visiting your local food bank. And look behind the sofa for pennies. A can of Tesco value soup is 24p, depending on your appetite that should do you two meals.

    And don't go out!
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    (Original post by cl_steele)
    There's always the wonga etc. option but I'd avoid that given your financial state...
    Horrendous advice. The OP has a problem with spending and needs to sort it out. Getting into more debt that they can't repay is the worst thing s/he could do.

    OP, speak to the finance department (and your landlord) and in the meantime keep applying for jobs. If you can't physically stop yourself spending money you need to cut up all your bank cards and live day to day off small amounts of cash you can only access by going to the bank. Not practical and very inconvenient but a necessary evil in your situation.

    You haven't actually checked with your bank about extending your (interest free?) overdraft so you need to do that. Whether or not you want to max out your creditcard isn't really a choice you have at the moment. If you need to, you need to.

    Good Luck.
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    (Original post by 1on4)
    Horrendous advice. The OP has a problem with spending and needs to sort it out. Getting into more debt that they can't repay is the worst thing s/he could do.

    OP, speak to the finance department (and your landlord) and in the meantime keep applying for jobs. If you can't physically stop yourself spending money you need to cut up all your bank cards and live day to day off small amounts of cash you can only access by going to the bank. Not practical and very inconvenient but a necessary evil in your situation.

    You haven't actually checked with your bank about extending your (interest free?) overdraft so you need to do that. Whether or not you want to max out your creditcard isn't really a choice you have at the moment. If you need to, you need to.

    Good Luck.
    Not really if you'd care to read and not jump to stupid conclusions you'd see I said it as an after thought to give him an option, I never recommended it.
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    Don't go down the Wonga route. Some people find that they need to borrow money from elsewhere to pay off their payday loans, which then turns into a vicious circle.
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    Sell stuff.

    Sell the things you bought which got you into this situation.
    Sell your laptop and work in the library.
    Sell your phone and buy a cheap £5 Nokia.

    You can always buy it again when you have a job. For now just focus on getting enough to get by.
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    Not as feeble as mine when I had to borrow £300 as an emergency loan from my uni.

    "errr... my kitten had an accident, and it was a bank holiday and it came to £500 and she nearly died *sob sob sob*"

    I felt like such a wet flannel.

    No matter how much crap you think you're in now it's nothing to what they will have seen in the past. It's what they are there to do. It's what they're paid to do!

    After you've gotten help from them, you need to get help for you. Sounds like you're suffering from depression, even just mildly. You should talk to someone about those feelings you have just before you're about to spend. If you don't kick that trigger in years to come, you won't be able to get advice from this forum when there's bailiffs at your door.

    Get help, it sucks, and you feel **** for asking for help, but you get over it, and more importantly learn from the mistake you made.

    Keep looking for jobs no matter how **** they are. It took me 8 months to find even an 8 hour a week job. But let me tell you, that guaranteed £100 a fortnight looks far better in my account than spending another £100 of my overdraft a fortnight.

    Don't give up. It's so hard. When I was unemployed and penniless for the first 4 months of uni I got pretty low. Really low. But you just have to pick yourself up and make sacrifices. Sell what you can. If you have a lot of CDs and games/DVDs look at music magpie. I made £80 selling all my CDs. I've made about £50 selling my clothes. I've also had to sell two phones, my guitars, playstation (with my little sisters games which she didn't know about) my record player and my laptop to pay the rent.

    Until you get on your feet you have to suck up your pride. Stop going out. If you need something think about buying it second hand. Ebay, preloved and gumtree have been life savers when things have broken, and when I've needed to sell things fast.

    My cat is now insured and well if anyone cares btw
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    (Original post by The Illuminati)
    I was very depressed at the beginning of the year and when I get int that state I like to spend. I'm bad with money anyway but terrible when I am in this state of mind where I feel like if I don't make myself go out constantly (which means spending money) I'll sit alone in my room and think too much and the thoughts will make me even more depressed, it's gotten to the point where I've missed a rent payment. My parents are in no way to help me out and I've already maxed my overdraft. My next student loan wont be able to cover 2 rent payments while also preventing me from starving. I really have no idea what to do?
    I have a student credit card but I really don't want to max it out and I doubt that with me already using up my overdraft, I would be able to get it extended but I have no idea what to do.

    Any suggestions or advice, this is making my life hell to the point where my depression is getting worse with this added stress.

    P.S.I have tried applying for jobs and been rejected many times.
    If you are depressed you need to speak with your gp. Go running, get out your room and get some exercise. Meant to be good for depression.

    Where abouts do you go to uni? How much free time do you have for a job?
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    Yep, you need to sort your depression out. Go to the doctor and get pills. Fixing your finances right now is only a temporary solution to a problem that will inevitably come back if you can't get your psychology in the right place.
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    (Original post by cl_steele)
    Not really if you'd care to read and not jump to stupid conclusions you'd see I said it as an after thought to give him an option, I never recommended it.
    I don't think he did jump to conclusions. You suggested that Wonga was always an option, which implies that - although it was an after though - you still consider it to be a last-ditch safety net. The responder stating that it was terrible advice was suggesting that lenders such as Wonga should in no way be considered a safety net. It's almost like suggesting that the OP should take some heroin because it'll make him feel euphoric for a short while. It only masks the problem temporarily and makes for even greater problems going forward.

    So although you advised against its use, it shouldn't even really be suggested as an option for him. It'll almost certainly make his situation considerably worse after a few weeks.
 
 
 
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