Not trying to pour fire on the flames....but has your own drinking ever caused you to pause for a moment? Hopefully, you aren\'t drowning your problems in alchohol, which may be a source of some of your depression. Not trying to be a preacher here, just making mention of it.
Well this is it...
- Thread starter matty1001
- Start date
Im not really a drinker, i barely ever get drunk, and never have more than 6-7 largers if i go out. Which i am fine on. Just last night i went a bit daft.
Im honestly not drowning my problems. The last time i drank was new years eve when i had 4 largers.
I love to walk, i regually walk from Lauras on a night time. Byker to Wallsend bout 4miles, most nights.
Im honestly not drowning my problems. The last time i drank was new years eve when i had 4 largers.
I love to walk, i regually walk from Lauras on a night time. Byker to Wallsend bout 4miles, most nights.
Matty, I\'ve got no better words to add than those already expressed, but I just wanted to add my name to the many and let you know that I care and am concerned for you. I think many (if not most) of us here have been through similar situations or known those who have and we DO care. My thoughts, prayers, good wishes, etc go with you.
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Is your bank account a student account?
If it isn\'t, then get yourself down to the bank and demand one. You\'ll be entitled to an interest free overdraft and more favourable treatment when you go to them cap in hand.
Most unis have hardship funds that dole out cash to those in extreme circumstances. I found myself in similar positions when I was at college. I ran up a massive overdraft, student loans etc, and managed to blag emergency cash a few times - several hundred quid!
Go and talk to your campus branch bank manager. They love giving students cash and are usually pretty cool. The best advice I can give you is that debt is a sorry fact of student life. Try not to stress about it too much - you\'ve got the rest of your life to pay stuff back...
And stop giving your money to people like me
If it isn\'t, then get yourself down to the bank and demand one. You\'ll be entitled to an interest free overdraft and more favourable treatment when you go to them cap in hand.
Most unis have hardship funds that dole out cash to those in extreme circumstances. I found myself in similar positions when I was at college. I ran up a massive overdraft, student loans etc, and managed to blag emergency cash a few times - several hundred quid!
Go and talk to your campus branch bank manager. They love giving students cash and are usually pretty cool. The best advice I can give you is that debt is a sorry fact of student life. Try not to stress about it too much - you\'ve got the rest of your life to pay stuff back...
And stop giving your money to people like me
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That\'ll be why you couldn\'t get an overdraft extension!
Seriously, get it done! If they won\'t transfer your account to a student one, go somewhere that will! You are a paying customer and a potential customer for life. Don\'t take any old shit from them and accept what they say. Other banks love gaining customers...
Seriously, get it done! If they won\'t transfer your account to a student one, go somewhere that will! You are a paying customer and a potential customer for life. Don\'t take any old shit from them and accept what they say. Other banks love gaining customers...
But i was paying £6.50 per month for some \'First additions\' crap, which stated a free interest overdraft, denied from that.
Then ironically it was those payments which caused the first charges....bastards
Time to glue the locks me thinks, it worked for my dad when he was getting shafted by the co-op bank.
Then ironically it was those payments which caused the first charges....bastards
Time to glue the locks me thinks, it worked for my dad when he was getting shafted by the co-op bank.
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You shouldn\'t be paying for your overdraft as a student. Simple as that.
No idea what the BBA stands for but the rest of the message means they will not give the account overdraft protection. Meaning that if you over draw the account they won\'t pay the amount and you will be subject to both bounced check fees from the store and the bank as well as over drawn charged from the bank. Simply put... that racks up really nasty expensive charges quickly. For example my bank charges $25 for bounced checks, the stores often charge $25 for bounced checks and then the bank charges me $35 for over drawn with an additional $7 a day extra until the balance is brought to $0. So for being over drawn for one full day i would be charged $92. It\'s not pretty, i suggest takeing people\'s advice soon about this.
Hi Matty, chin up mate,
Three points,
Sort that frigging bank out, you should be able to get a student account as spacemunkie said, and maybe a student loan, talk to them about it.
Face your troubles head on, calm your mind, and wade through it gradually, one step at a time, there is light at the end of the tunnel. Stay off the booze and any other stuff!!!
Have a good walk like wiccanpony said
Go see someone proffessional and talk, give them your shit, they get paid for it. And leave the good stuff for just being and enjoying your girly.
Thinking of you, go kick arse.....
Three points,
Sort that frigging bank out, you should be able to get a student account as spacemunkie said, and maybe a student loan, talk to them about it.
Face your troubles head on, calm your mind, and wade through it gradually, one step at a time, there is light at the end of the tunnel. Stay off the booze and any other stuff!!!
Have a good walk like wiccanpony said
Go see someone proffessional and talk, give them your shit, they get paid for it. And leave the good stuff for just being and enjoying your girly.
Thinking of you, go kick arse.....
Originally posted by Spacemunkie
The best advice I can give you is that debt is a sorry fact of student life. Debt is a fact of most adult life
Try not to stress about it too much - you\'ve got the rest of your life to pay stuff back... Scott\'s right stressing about debt will give you one hell of a hard time. I\'ve been heavily overdrawn several times and managed to get back to an even keel so it\'s not impossible. It just feels like it.
A good friend of mine who was an accountant, once told me never to worry about an overdraft, as long as you talk to the bank and are trying to balance your money they will not shut you down. It\'s only when you don\'t do anything and ignore them that the Brown stuff and the fan come into contact.
And stop giving your money to people like me
Scott, you are right to say this.
Matt I think you are looking at at \'Miniature Diet\' until your finances are sorted.
Matt; Walking from Byker to Walker?
Things must have really improved up there. Time was, not even the Police did that. lol
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freakinacage
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dude, sorry to hear about all that, if you ever need to talk, my messanger id is somecallme_tim@hotmail.co.uk
As for the college stuff, talk to the councillor and/or lecturers, they should be able to give you extensions and or exemptions if you explain the various difficulties you have had.
Normally these sorts of things are written down in the places regulations. I had a friend who was having various troubles and their lecturer was being an arse about it and penalising them for it. They finally went to see the dean and you have never seen anyone backpedal so fast (the lecturer was seriously out of line and breaking Uni regulations over how the matter should have been dealt with).
I say this latter part because sometimes you bump into unhelpful people and have to take it a step further, but generally most teachers are happy to help those with genuine troubles.
Oh and you are certainly not alone in getting down over the crap life can throw at you.
Normally these sorts of things are written down in the places regulations. I had a friend who was having various troubles and their lecturer was being an arse about it and penalising them for it. They finally went to see the dean and you have never seen anyone backpedal so fast (the lecturer was seriously out of line and breaking Uni regulations over how the matter should have been dealt with).
I say this latter part because sometimes you bump into unhelpful people and have to take it a step further, but generally most teachers are happy to help those with genuine troubles.
Oh and you are certainly not alone in getting down over the crap life can throw at you.
Highbulp Billy
New member
Matty, I\'m glad I didn\'t see this thread until now - the first bit had me seriously worried for you. Luckily the CMON family have rallied with excellent advice all round and I\'m glad to hear you more positive.
I can truely relate to a couple of your issues - student debt messed my life up for a long time - I had (and still have) an almost compulsive spending habit that led to various overdrafts, credit cards, store cards, loans etc which took years to get on top of. In fact, I have to thank the Mrs for taking control of finances as I probably wouldn\'t be solvent if it weren\'t for her. Maybe you could get Laura to help manage you money for a bit - women can be very good at it
Also, when I was growing up, my mother also had alcohol problems. I was young and didn\'t know how to cope with it so it just led to me distancing myself from her anytime. It wasn\'t until she suffered a serious medical problem and nearly died that we got close again. The fact that your mum has consciously made that step towards sobering up (no matter what the cause) is very positive and gives you the opportunity to rebuild your relationship with her - a chance not everyone gets. Make the most of it, she\'s going to need a lot of support and it won\'t always be easy but it will be worth the effort.
I sincerely hope that you\'re able to see that light at the end of the tunnel (it\'s not another train coming, it is the sun shining on Byker!) and remember there are a lot of positives in your life too that you shouldn\'t neglect - Laura, your education, you\'re ranked way above me... for now
Best of luck mate and, why not, a friendly hug too {{{Matty}}}
I can truely relate to a couple of your issues - student debt messed my life up for a long time - I had (and still have) an almost compulsive spending habit that led to various overdrafts, credit cards, store cards, loans etc which took years to get on top of. In fact, I have to thank the Mrs for taking control of finances as I probably wouldn\'t be solvent if it weren\'t for her. Maybe you could get Laura to help manage you money for a bit - women can be very good at it
Also, when I was growing up, my mother also had alcohol problems. I was young and didn\'t know how to cope with it so it just led to me distancing myself from her anytime. It wasn\'t until she suffered a serious medical problem and nearly died that we got close again. The fact that your mum has consciously made that step towards sobering up (no matter what the cause) is very positive and gives you the opportunity to rebuild your relationship with her - a chance not everyone gets. Make the most of it, she\'s going to need a lot of support and it won\'t always be easy but it will be worth the effort.
I sincerely hope that you\'re able to see that light at the end of the tunnel (it\'s not another train coming, it is the sun shining on Byker!) and remember there are a lot of positives in your life too that you shouldn\'t neglect - Laura, your education, you\'re ranked way above me... for now
Best of luck mate and, why not, a friendly hug too {{{Matty}}}
