pmsumner

I resisted the urge to shout and bawl, had a conversation with a very nice girl named Karen. Basically going through outgoings and income. *coughs* Having outgoings that work out to roughly £150 more than income isn't good, surely? She basically said there was nothing that they could do regarding failed payment charges, but that there are things that might help. Unfortunately, the only things that I can see, are going to be yet more loans to "consolidate my debts".

That means I need to go to Glasgow to see the student/graduate advisor in person.

I don't want more loans. I have enough debt right now. I have what? £500 on Barclaycard, £1,000 on my Easymoney.com c/c, £3,000 in Graduate loan. It can't go on like this. I realise that this happens every few months. I splurge here about how crap it all is. About how I just can't afford it. Then it all goes away for a while, as I get a nice bonus or a surprise every now and then, but in the long term I can't do it. I get paid on the 24th, and by the 1st I'm over my limit again. And that's with me not taking any extra cash than I actually need.

This month, I already have one bounced loan payment, and my council tax just bounced today as well. That means I need to pay that out of next month's pay, which means that they'll only go and bounce again next month, unless my overtime payment for this month is something of a miracle (with 36hrs, it's gotta be good, but HOW good?).

How do people do it? I don't get it. I understand now why so many people who do this job are still living with their parents.