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I have no money and im panicking

i have £326 to my name and thats it. i have been living off of the 2500 I saved up before i started uni as everytime i get paid my loan it goes straight out of my account again to pay for my accomodation. Now though my savings are running out and i cant find a job anywhere. i have no idea how im gona live. also we have just sorted out our house for next year (i had to pay 425 out for that- deposit, admin fee and holding fee) but i didnt think about the fact that i have to pay the first 2 months rent (640) in july and august before i get the first instalment of my loan for next year. arrgghhh!

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Reply 1

Davidosh

Does your university have any sort of hardship fund investigate I know the University of Manchester does where you can get emergency cash and what about your overdraft?

Reply 2

superman19

Get an overdraft would be a big step.

Reply 3

rscully

I'm pretty sure all universities have hardship funds, so speak to your Student Centre or Finance Dept. Get an interest free overdraft from any of the major banks. And ask at your university if they have any jobs going, I know my uni employ quite a few students as representatives to help out at open days etc.

Reply 4

Demi-Ciel

I know you probably dont want to rely on family but if times get hard they should want to help you out. In the mean time, really keep looking for a job and ask everywhere you go or spend money! You'll succeed soon enough.

Reply 5

atoms4peace

what?
youre fine.
i'm -£60

Reply 6

Captain Biggles

atoms4peace

what?
youre fine.
i'm -£60

Ha. Try £200 in the red.

Reply 7

atoms4peace

Captain Biggles

Ha. Try £200 in the red.

my friend is -£1500. and has to pay money to cover damages to his accommodation. Now he is really screwed

Reply 8

Captain Biggles

atoms4peace

my friend is -£1500. and has to pay money to cover damages to his accommodation. Now he is really screwed

He wins. He is seriously more ****** than anyone I've ever come across.

I do have £90 to go into my account and I have 4 weeks Easter holiday so that's an extra £140ish that I get that I don't need to spend on anything. Then I have £400 tax that I'm due back so I should be fine.

lol try -£1000!!!!!

im more so fuc**d and im not at uni yet lol bout 3k down lol, spend more than i have, loans etc, phone bills

Reply 11

neeevie

- 1484
but i have £46 .
its not gooood :frown:

Reply 12

vinylate

Ahaha I'm -£2000, and I have to pay £650 in rent soon. My loan doesn't cover the cost of acommodation, it never has done. I have two jobs and volunteer, getting a third job doesn't bare thinking about.

I have like...£10 to live on for the next 4 weeks. Fun times.

Reply 13

GR29KHS

sare123

i have £326 to my name and thats it.

i take it that means you have the money in your account, not that you only have £326 left before you hit an overdraft limit?

Reply 14

granny smith

I had to apply for hardship funding, as found it impossible to live off £9 week after paying my rent and bills, particulary hard as did not have my HC2 form through and the cost of my regular meds were wiping me out! It was a case of 'hmmm, food or prescriptions?pain relief or food?' I had to wait for quite some time for the money to come through (cannot remember if it was 8 weeks or more?) but it saved my sanity, plus meant my jeans were no longer having to sag through losing so much weight!

Please try for the hardship fund! They should have the necessary papers at reception. You will need photocopies of bank statements for past 6 months, proof of rent, proof of your loans/any uni bursaries etc, but it is worth applying. I am desperately trying to get a job too and can sympathise with you about how difficult it is now.

PS. i have not been able to get overdraft? must be because i never got myself into debt before uni, therefore have no proof of credit history?

Reply 15

osamab

granny smith

PS. i have not been able to get overdraft? must be because i never got myself into debt before uni, therefore have no proof of credit history?

neither did I. Most,if not all, students are supposed to be accepted for a student account with interest free overdraft. Try a different branch.

Reply 16

reality139

-£920 here

Though I am owed £126 and get £416 next month. Good to know I'm not the only one in trouble lol.

Reply 17

cascadingstylez

I'm -£1500 and it's probably going to increase by the time I get paid again.

I got a few projects that I am working really hard on to make some cash but I've spent alot over the past month. Get an overdraft, Barclays give all students a £1000 interest free overdraft.