I'm officially shit with money.

[NeptuneUK]

Im taking a year out of university because basically I could no longer afford to live.

I owe the university over 200 pounds maybe 300, so they wont let me come back til I give them that.
I stopped paying vodaphone (was on contract) so they want a 120 pounds from me, but they don't know where I live! Good luck with that vodaphone.
When I left my flat I couldnt cancel my broadband for some reason so virgin wants over 200 quid from me too. Good luck with that virgin.
I also have maxed out my overdraft at the bank of 1250 pounds, once they realise Im not a student any more they might remove the interest free part of the deal and want their money back.

Bring it on world! You can't take my money! I DONT HAVE ANY!

 

[Eejit]

Buy less alcohol. It's retardedly expensive.

 

[NeptuneUK]

But then what will I spill on my laptop?

 

[Eejit]

Water.


Or semen.

 

[Dekstar]

Semen's free--you can drink that all you want too. And it's mostly sugar, so it's practically Red bull.

 

[Reginald]

Buy less marijuana.

 

[NeptuneUK]

So far the suggestions are full of fail and AIDS.
By not spending the little money I do have, it will not magically pay off all these things.

 

[Eejit]

Sell more marijuana. Ask rakurai for tips.

 

[CyberPitz]

Go rob a bank. It's easy!

 

[MJ12]

Speaking of being money-less, anyone know what happened to Virus?

 

[Anthraxxx]

get a job?

 

[giant384]

get a job?

the object here is to make him suffer....we dont want to make it easy for him

 

[Barnz]

Give me $5, I need to get L4D.

 

[Gordon-Shepherd]

Stop using the internet for a while. Like, completely. cut it off, it should save you some money. Ebay some of the things you don't use first, though.
Cut down on loads of shit. Get a job, if you don't have one. If you have one, work more hours or try to get another job.
It's hard work, but better than being in debt all your life/letting it grow to humungous proportions.

 

[mechanicallizard]

move in with your parents! yippee!

 

[Ennui]

All your money problems can be solved: become a professional Trent Reznor impersonator. Surely there's money in that.

 

[Anthraxxx]

the object here is to make him suffer....we dont want to make it easy for him

Oh. In that case, I retract my previous post and replace it with..

"Sell your body on Ebay!"

 

[Reginald]

Sell marijuana on eBay?

 

[kupocake]

Water.


Or semen.

I hear you can make a lot of money off of Semen. Either by selling it, or doing sexual favours for.

 

[NeptuneUK]

****!

Vodaphone found me!

They want money and shit.

Can I challange them in court.... to a...
Guitar-off?

 

[Solaris]

I presume you have no assets so what can they do?

 

[NeptuneUK]

Guitar-off it is.

 

[Cornerstone]

Do they have a debtor's prison in the UK?

 

[pomegranate]

****!

Vodaphone found me!

They want money and shit.

Arrange with them to pay off as much as you can afford to each month, from whatever income you can get.

 

[Kula Meenur]

Don't get legal. You'll get ****ed over, which you know. Decrease your outgoing expenses (like booze and hittin the town), and get yourself a job. The only way a budget can function is if you have a positive fiscal injection which is countered by your negative fiscal outgoings. The reason why the economy is the way it is of late is because people buy outside their budget, get into debt and then try to pay off past debt by accessing loans and getting themselves into further ****ing debt.

------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

An example:
-Mary earns $10'000 a year.

-She has only $1000 in her savings account, because she flogged the other $9000 at the start of the new financial year.

-Mary spots a car she wants for $15'000.

-She goes to the bank for a $14'000 loan

-Mary's loan is approved (banks are greedy ****ers, which is also another cause of this very young recession)

-Mary cannot survive (eat/drink/rent) with the additional fiscal offset of making loan repayments

-She then accesses another loan, to pay off the loan for the car getting herself further in debt


Short version of the story is: BUY-DEBT-STRESS-BUY MORE-MORE DEBT-STRESS-SERIOUSLY RUINED CREDIT RATING-****ED OVER FOR A LONG TIME

Morale of the story is: Budget well

------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Work out a budget for yourself. Or if you cant do that, contact your parents (or somebody reliable) and ask them to help you with it. There's no shame in asking for it, and from the sounds of it you're gonna need a lot of it. Being able to handle your money is the sign of a mature and stable man. It will always holds you in good stead (long as ya don't turn into a prude like Scrooge), and truth is women ****in love a bloke that can responsibly handle himself with his court. Anywho, to get yourself outta debt you're gonna have to man up and face the shit head on. It's the only way to get out.

Budgeting is essential in surviving, and with shit startin to get tighter you'll need to stretch each pound as far as ya can. To get out of it successfully though, you'll need a job and the maturity to see it through. Anybody you has the capacity to budget. But what it takes is the maturity to actually do it. I'll start you off;

Basic rule of budgeting: MAKE SURE YOUR ****ING OUTGOING EXPENSES DON'T OFFSET YOUR INCOMING ASSETS YOU CRAZY ****ER.

 

[NeptuneUK]

Job time bitches.

 

[Kula Meenur]

Good man.

 

[NeptuneUK]

There's **** all jobs here.
Everything needs experience.

**** this Im moving back to edinburgh

 

[cleverendeavouR]

A lot places you can arrange some kind of payment plan, because although they want it right away, they still want their money.

Then a job it is.

 

[Rizzo]

I'm officially shit with money.

(It works with everything!)

 

[Hectic Glenn]

There's **** all jobs here.
Everything needs experience.

**** this Im moving back to edinburgh

You can't keep running away, at some point you have to start facing the world and sorting things out. Sure jobs are difficult to find at the moment, but you should be focusing 110% effort into it by talking to everyone, sending your CV to recruitment agencies, asking about, calling companies. You must be highly proactive. If you're on the internet, look for jobs. Stop posting here to begin with.

(It works with everything!)

Indeed, as long as you stop now

 

[Tyguy]

sell all the shit you don't want, get a job under the table somewhere, call the university and figure out exactly what you owe...don't be dumb, you wouldn't' want to mess up your edumacation over something so trivial as minor debt problems.

 

[freakyflor]

get a job under the table somewhere,

^This

or

ask your parents for money

 

[cleverendeavouR]

Couldn't you work at the university?

 

[NeptuneUK]

My dad says let them take me to court, because it will cost them more than I owe them.

 

[Krynn72]

My dad says let them take me to court, because it will cost them more than I owe them.

And cost you more than you can afford. Yeah thats smart. Tell your dad that I think he gives shitty financial advice.

 

[Sheepo]

Tell your dad I said hi.

 

[NeptuneUK]

Maybe it's all backwards and different in the UK.
I know shit about law.

 

[Reginald]

Tell your dad that your mum may be several inches looser after I had her last night.

 

[pomegranate]

Do you really want to go to court over a hundred quid? Fail. If your Dad thinks that's such a great idea, tell him he can take the debt on and get taken to court.