Very scared from my overdraft issue and at the moment jobless?

Posted , 7 users are following.

Hey guys

I hope all is well.

I am a 26 year old recent graduate in msc civil engineering and recently after some time struggling with other health issues whoch have now been resolved, i have notices the debt i am in with an overdraft of £300.

my worries are stable but as i also smoke and trying to stop, i feel trapped and worried of what will happen!!

i have been applying for jobs and was working for the past year but struggling to find a permanent good position.

sometimes i just feel there is no resolution and dont know what to do?? please help

1 like, 5 replies

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5 Replies

  • Posted


    you, are thinking too much.

    you are well today , you have a roof over your head ,and your overdraft is small.

    practice Gratitude, you have a lot to be grateful for .

    this anxiety will pass,


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  • Posted


    I have a solution for you that will help you.

    Make an appointment with the citizen advice they are good at helping people, take ever thing with you.

    Take all your income, show all your out goings not forgetting how much it cost you to live, shopping, house hold bills, cost of living weekly, travel to and from. If you list everything and tell them your health is suffering you will find that this problem will be sorted out for you, I know.


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  • Posted

    hi there

    in a similar but much worse position. things will come right. just remember that like i am trying to do.

    was it WINSTON CHURCHILL who said "....when you are going through hell, just keep going"?

    i wish you well

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  • Posted


    Sorry to hear that you are having a rough time coping with your current situation.

    I too have an overdraught and a credit card bill and out of work. I used to get so down about my financial mess that I made myself really depressed which caused terrible anxiety with suicidal thoughts. But eventually I decided to reach out to my GP and was referred to a good psychologist, Jane. She helped me break down all my problems including financial debt. She advised me to speak to the local CAB. The CAB took away all the stress off my shoulders as they managed my debt on my behalf. They contacted the credit card company who froze my balance and did not add any further interest for 6 months. The CAB also helped me claim additional benefits while I was out of work. Having taken the financial worry away I can concentrate on my health issues which have improved a great deal.

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  • Posted

    Hi adame, have you heard of clockwise, they're a credit union which may give you a new bank account, consolidate your debts, sort your money out so you have enough to live on and help you with your money and unlike the high street banks they shouldn't charge you a fortune. They are really good, they dealt with my debt years back. They are a viable financial option and have been around for 26+ years. Good luck, it's only advice but it may help.

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