Money worries.

[Ash*]

I'm in the second year of university and as of next week I'm moving into a flat for my final year with one of my friends.
On Saturday I have to pay £525, half of which is a deposit and half of which is a month's rent.
I work, but only part time and I can't get anymore hours. I work enough to cover the rent -BARELY. I'm not left with any money for bills, or food.
I also volunteer - so obviously I don't get paid for that.
I've applied for OTHER jobs,I'm willing to work 7 days a week just to be able to cover my back, but because I have a job at weekends and some weekdays plus my one day volunteering,it's hard to find somewhere for in the week because I'm not flexible enough.
I'm willing to go without the internet and without a tv over the summer which will keep my bills down to food and electric and water but I also have my phone bill and credit card.

As a final year student I can get extra money off the uni to make up for the fact that I have a shitty loan next year - but that's not available until I go back to uni in September. I can't get a hardship loan/grant until the next uni year either.

Basically,I have £60 in my bank (and I have to find £525 by next Friday) and it's getting me so upset. My mum and dad can't afford to give me any money,and I have no idea what to do. I just need some money for the summer,but I don't really want to get a loan from a bank,and I don't think they'd lend me the money anyway.

I have no idea if I'm eligible for anything because I'm a student AND I work.
It's just all rather **** and getting me ridiculously upset and no-one I speak to seems to be able to help.

[vrinda_sevini]

i am sorry about this, and i'm sorry to say i can't help you either
not only becos i live far away from you but also becos i am having a hard time myself
have been like that for the last 3 months
i'm not bothering you with the story of my life
sorry
hope you get help soon

[Rain Keeper]

There just has to be help out there for you. I am not familiar as you are overseas, but i am sur that if you look hard enough, you can find a grant or support somewhere. I have been down in the checkbook before and found selling crafts or personal items help. It is hard when you are low financially, but be creative, maybe even have a bake sale or something?

*will think*
Good luck,
Rain

Yo dawg.

I know what it's like having no money at uni. I don't even get a student loan- I can't apply for one because of where I'm from. It's a pain in the arse.

I really hope something gets sorted for you. I really really do xxx

[Kangaroo]

Speak to your bank and see if they can help

Also try the citizens advice buerea, they might be able to offer some advice.

[effervescence]

yeah, the CAB is a good idea.
also, isn't there like a student allowance thing u can get for a limited period of time if you are deemed "in need", which you can then pay back with no interest or not pay back at all? i cant quite remember how it goes in england.....
talk to your uni hun, now, before the summer hols start!! they will be able to sort something out for you, im 99% sure :)

[Ash*]

Quote:

Originally Posted by effervescence

also, isn't there like a student allowance thing u can get for a limited period of time if you are deemed "in need", which you can then pay back with no interest or not pay back at all? i cant quite remember how it goes in england.....
talk to your uni hun, now, before the summer hols start!! they will be able to sort something out for you, im 99% sure :)

That's the hardship loan,and you have to apply for it a month before the end of the university year. My uni year ended on Friday,they won't do anything for me.

I also spoke to my friend who works at my bank and she said that they wouldn't give me anything either.

I know there's not actually anything any of you can do,but thanks for the replies,really nice of you to take the time and make the effort. Thanks.

[Alchemyst]

I would def talk to the CAB... as there should be something they can do for you... goodluck... I know how scary and hard it is with never enough money to quite cover the bills (story of my life).

other thought is could your friends you are going to share with lend it to you as otherwise they are going to have to cover it without you anyway... I know it would really suck to have to borrow from them but it may be the only way

really hope you can find something to help you.

xx

xxx

[l'il esky]

god i remember that feeling-i lived off pasta with melted marg and marmite for a good few months!! gross i know!!

i would go and see someone at student services at your uni cos you certainly wont be the first student to be in this situation, they will be able to go through all different options that are available to you. but dont panic it can be sorted. take care xxxx

[pedro]

i understand how it feels to be worried about cash flow, im bipolar and i gamble for a living... so very used to swings in cash flow... i can give you advice on how to make cash , but i suspect rules on here i shouldnt post here, pm if you want free advice, i can give u varied stratergies from low risk- low return to high risk - high return , theres very easy cash to me made from internet but u need to put hrs in ,, theres no such thing as easy $$ getting rid of ur internet is the worst thing u can do if u need to make $$$ , its out there put u need to put the rresearch in , if we dont spk best of luck

[shadow-light]

I am in almost the exact same situration as you... I have to pay my final rent at this flat (£350) on the 1st, and once I find a flat (have to move before july) I'll have the deposit there to pay as well as th rent for there too...

I assume you are staying in your new flat over smmer? Perhaps your uni can help you find a job in the area? That's what I'm relying on, my uni has something called "job link" where they will do such things... otherwise perhaps go to your local job centre or a temping agency? To be honest though, your best bet is probably to give up either your current job or the vollenteering over the summer and work full time... most places will give you your job/vollenteer place back in september, i'm sure they'd understand with your being a student.

you might be able to get your bank to extend your overdraft if you speak to them... they do it on a temporary basis, in that they will extend it by £500 (or whatever) but only for a month or so then it goes back to the original ammount. they did it for me last summer when I got stuck for rent


godd luck

[Ash*]

Thanks,I can't give up the job I've got right now because they've said flat out that I won't get it back,and I'll need it in September. The volunteering job is needed for a post-grad job I'm applying for at Christmas.
Bank have already said no.

I know it probably seems like I'm just rejecting everything people are suggesting,and I'm not,really,I appreciate all your ideas and help. I'm going to try and speak to someone at CAB on Wednesday,when I find out where it is haha and I've got ANOTHER appointment with someone at uni on Friday. I've sold some stuff (which broke my heart - as pathetic as that sounds) too, so I've still got nowhere near enough,but I've got a start!

I've got a job interview in half an hour too,so fingers crossed for that.


Thanks again everyone.

[Slip]

I'm afraid I can't help with ideas...except to say I hope you think of something! good luck x