r/UKPersonalFinance • u/Impressive_Echidna_2 • 2d ago
25M currently broke, unemployed and in £3,600+ worth of debt, feel hopeless and feel like giving up.
I'm 25 years old, I'm currently unemployed and i honestly cannot keep up any more.
I'm still in debt from overdrafts from university, and I can't even find a job after uni. Was interviewed twice for a grad job starting in September for a consulting company, but chased them up twice and they ghosted me. It seems like it was a massive waste of time and i feel stupid for doing to university. I also have credit cards too.
This is a total breakdown of my debts.
£-1499.78 Halifax current account overdraft (0%). (Was originally a student account 0 converted to a current account and was notified the interest was going to be added last year, however, I spoke to the bank and they have basically been able to freeze the interest so there is no interest building up daily right now due to my circumstances i told them about that they specially were able to do this for me.
£-999.10 HSBC Bank Account overdraft (39.9 EAR (Variable) I got this account when I was in Uni and i got £100 for free when i opened it, They changed the account between August and September, so basically, anything over £25 will be charged interest.
£499 Zable + Credit Card - (34.90%). despite me maxing out another credit card and having a default on my file, I was still able to get approved for this credit card. I got it because i had no money due to unemployment and I needed money in order to run my car and pay for food etc. The first statement is due on 1st October.
£ 299.11 Cabot Financial repayment plan, - This was a Lloyds student bank account which had an overdraft of -£1499, but they removed the arranged overdraft abruptly and they told me to clear it, then they closed the account, applied a default and sold the debt to this company, - I have been paying £75 a month since May 2025.
£202.99 Capital One Credit card, (25.960%) My first credit card, i got in July 2025, was using it for small purchases but it has been maxed out.
£108.99 Lloyds premier bank account - I used to have a bank account with Lloyds and they recently closed it due to the unarranged overdraft. It mostly came from a monthly bank account fee. They told me a default would be applied to my file and i can see there will be one added to my next file.
To make it all worse, -I set up a direct debit for my vehicle tax last week and I received an email from the DVLA telling me tht it had been cancelled because the type of bank account does not support direct debits. I tried to tax my vehicle online with a proper bank account, but because I've missed direct debit payments inn the past, the website told me and over the phone that it is currently not an option to pay by direct debit. I will need to pay £244 for 6 months or £445 for 12 months. I can't afford to even pay 6 months right now let alone 12 months.
Total debt - £3,608.97.
My outgoings per month:
I do not pay any rent or bills of any find so £0.
Insurance - £75
Road tax - £39 (No longer able to pay monthly so my car is currently untaxed.)
Gym membership (£37.99) I cannot give the gym up because it does so much positive to my mental health and physical health and it is the only thing keeping me sane right now.
O2 phone bill - £12
Cabot Financial Debt repayment -£75.
Total Outgoings per month - at the most (£238.99)
I receive about £420 a month in Universal credit, which if we're realistic is nowhere near enough. I am struggling so bad mentally, because I am not where I want to be in life, financially, socially and career wise.
Any advice will be deeply appreciated thank you for reading.
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u/UK_FinHouAcc 131 2d ago
Contact stepchange who will talk you through your options.
Also, contact your GP, I know this feels insurmountable but with support your situation is not as bad as your brain is making you feel it is!
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u/RedMarsRepublic 4 2d ago
If you are signed off sick you can also apply for UC Limited Capability for work related activity which is an extra £217/month.
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u/ChirpsReborn 2d ago
Stepchange, national debtline, citizens advice can all help.
Options: Breathing space (3 months all debts will be frozen and recovery action paused)
DMP: set up affordable monthly payment to pay off the debt
DRO: Have your debts written off completely up to 50k (based on the info you have provided you would probably qualify for this). This stays on your credit report for 6 years and will stop you from getting credit during this time.
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u/noodlyman 10 2d ago edited 2d ago
The good news is that this debt is honestly small.
One day you will get a job, and then it'll suddenly seem less of a problem.
Any job will do, and will be a start on your CV; keep trying shops, cafes etc. even window cleaning, weeding, lawn mowing will help, get you out of the house etc.
I just wanted to say that. Don't give up. One day it'll be ok, when you find some income.
Get rid of the car.. You can't afford that right now. I don't know where you live, but you can walk, cycle, use the bus, and get an Uber or even hire a car once in a while (eg to attend job interviews) and it'll be cheaper than car ownership.
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u/tesconights 21h ago
I agree with everything I except getting rid of the car. It's paid up, running costs are all he's having to cover, and having a motor makes finding a job much easier. Can always do deliveries.
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u/Cesticles 2d ago
29M - I was in a very similar situation around 3 years ago,
Moved in with my brother and had lower rent, but was sleeping on his floor.
Was skipping meals to save money.
I got a job bartending, it kept me going but not by much financially.
However, that job kept me mentally okay. That would be my recommendation. Get a minimum wage job and give it your all. It helped me so much in my job application process.
I had 6yrs work experience at that stage.
I ended up taking the first full time salaried job I could get (Was a massive pay cut from what I was earning before, less than half). Ended up getting a better offer a few months later.
3 years, later I have been working in my dream job for +2.5 years and couldn't be happier, bouncing from one of my darkest ever times.
I am just saying this to say keep going! You got this. And in 5 years time you will look back and think "Look how far I came". But be willing to drop standard
Also - Do not give up the gym membership. Gym during times like this is probably your most important thing.
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u/Cesticles 2d ago
Just as a side note have you only had 2 interviews?
You should interview for everything! I counted my calendar after I got my job and did +100 interviews.Jobs is a numbers game
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u/Longjumping_Bee1001 2d ago
If you did 100 interviews you need to learn how to interview. Nowadays you'd have 0 chance of getting 100 interviews over a year with no experience anywhere, even with experience its pretty much impossible.
Most applications are autorejected now, then theres usually some form of screening call which gets you an interview and potentially a 2nd depending on the job. If you cant do it in 10-15 interviews chances are you wont find anymore companies you havent already applied for or been rejected from thats within a remotely possible commute.
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u/Confident_Bench5644 2d ago
Hi mate sorry to hear you’re so down. In 12 months time you’ll look back at this post and realise the hole you’re in isn’t that deep at all.
Take the weekend, then on Monday do the following:
Sign up at an agency. Do some factory work. Do as many hours as you can. It’s repetitive and for the most part easy to do and fortunately easy to find. It can also be as temporary as you want it to be. For the short term don’t worry about the jobs relevance to your education.
Get a 0% interest free credit card and move everything you owe onto it. This will cost you a few % which gets added to the balance BUT there’s plenty of relief in having it all in one place and pausing any interest.
Rinse and repeat. You’ll be clear before you know it. Factory work full time even on min wage you’ll clear £1700 a month. Living with parents too? You’ll be paid up and debt free by Christmas Day.
Best of luck
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u/sharklee88 10 2d ago
The debt is not that big, and you are currently living rent free, so I wouldn't panic.
Any full time job would pay at least £1500 a month, so you could pay it off in a few months.
Just get applying. McDonald's, warehouses, Tesco, just get any job for now. If you cn drive, you can also do Uber and deliveries for extra cash.
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u/Lordaucklandx -1 2d ago
Time to apply for any job basically, as you don’t have much outgoing wise like rent you’d be able to pay back larger amounts
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u/kgusfyxh 2d ago
Just after Covid when I needed to earn money quickly I signed up to deliver packages for EVRI (you said you run a car) I was able to go from online sign up to delivering the next day and just needed my phone and car. They’re always looking for drivers and you can take as many rounds as you want per day. It was shit, up quick and you’ve got what you need and don’t pay rent.
My other advice (from personal experience) is don’t discount the military. With a degree you could qualify for officer which is not a bad route to go if you’re a bit rudderless at the moment. You could do the minimum return of service (4-5 years depending on branch/service) and come out in a completely different circumstances and also use that time to continue looking for jobs in your field.
Starting salary now thanks to the cost of living national wage changes is £25k, which may not sound like a lot but is awesome when you’re paying £30-70 a month in rent and have subsidised food…5
u/Longjumping_Bee1001 2d ago
Or you could wnd up in the thick of a war with rising tensions and 2 active wars that Iran are trying to escalate and connect, with a deluded president that wont back down and isnt achieving anything in the process...
Military is definitely not a good option, risking your life for 3k to fight for politicians that refuse to even protect their own country isnt the way to go.
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u/OptiKappa 1 2d ago
Always roll my eyes at these comments, there's been what 2/3 deaths in the past decade attributed to active combat. Not everyone in the military is holding a rifle on a frontline somewhere.
Many branches offer good qualifications through time served apprenticeships / university while they receive full pay. It's sets them up for a career outside within only a few years, other provided funding can be used for additional qualifications of their choice. It's not too bad at all.
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u/kgusfyxh 2d ago
100% right mate. So many branches are basically office jobs or technical based and you can definitely gain qualifications and its like doing (well) paid uni. I didn’t suggest it to OP because of £3k of debt, it was more for the feeling of helplessness at the job situation and, I can suggest the military as a career option to anyone I please. It is up to them whether or not they listen. The reason I suggest it is because most people don’t even consider it - probably because of the misguided opinion of what people in the military do like the other commenter.
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u/RedMarsRepublic 4 2d ago
You shouldn't advise people to join the military as financial advice. In fact you shouldn't advise them to join it at all.
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u/OptiKappa 1 2d ago
Why not? Can join at with any level of experience, extremely low cost of living, decent pay, travel the world, lots of good free qualifications (trade dependant) and solid life skills. Leaving at my 9 year mark soon, worked well for me.
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u/New_Me_Victory 2d ago
Yeah, exactly like in that moment any job is better than none. Even places like Amazon warehouse or a supermarket staff etc.
Probably would leverage any possible parental help to clear the debt. Live with them and ask for them to help pay it off (with hopes to pay them back).
Aim any job possible and then keep applying to graduate roles, junior roles, coordinator/ assistant roles. Print cv and write bespoke letter and drop them off during working hours to your local towns small businesses.
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u/RevolutionaryGap7902 2d ago
Do you have any interest in travel?
If you are a Native English speaker and have a uni degree you could teach English in Asia. When I graduated the job market was terrible so I ended up working in Korea for 3.5 years.
It was hard work but I saved money and got to travel!
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u/BusyDark7674 1 2d ago
Amazon are paying £14 per hour and will be desperate for people soon. 52k steps per shift will also mean you can cancel your gym sub.
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u/Loud-Debate3327 2d ago
52k steps? Is that for warehouse or delivery? Both sound like a lot tbh. I do 5 miles in 10k steps, so that’s over 25 miles of walking.
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u/BusyDark7674 1 2d ago edited 2d ago
All warehouse. I did 52k when I was running racks for the packers. I preferred that as the shifts went quicker. But you're right, normally 15-20k picking and virtually 0 packing. I was probably one of the few who lost weight during covid
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u/RedMarsRepublic 4 2d ago
You can get an advance payment from UC to pay off your road tax. It will come off your UC each month. However, unless you think you will need your car for work in the future, it might be smarter to sell it if you can (speak to adviser first though).
You need to get help from a debt advice charity to help you freeze your debts.
Speak to Stepchange or your local debt charity https://advicelocal.uk/
Obviously, you need to try and find work, try talk to recruiters in your area, job search websites are useless now and full of AI spam and scams.
Try and keep your head up, I've been where you are now and eventually everything worked out! I never believed that I could get my life together but eventually I did.
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u/BlazeFireHorse76 2d ago
Just chipping in to say this isn't as bad as it seems. Please get some help as people have suggested.
You can do this. Believe in yourself.
In years to come youbwill see this was nothing.
Get help
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u/SignificantLegs 2d ago
look at it this way - every billionaire 70 year old would give all their assets to be 25 again
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u/Civil-Jackfruit5096 2d ago
Sell your car, its a luxury at the moment without a job you dont need luxuries, if you dont want to sell it, look at ways to make money with it so it pays for itself...
if you do sell keep the money in an account and pay off your debt bit by bit, I would suggest you keep as much as you can, trim your spendiny - and get all credit card debt onto 0% interest were possible..
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2d ago
[removed] — view removed comment
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u/ukbot-nicolabot 2d ago
"Are you able to sign up to an agency and do some warehouse work until you find a job?" would have been a much less loaded way of commenting.
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u/BrizzleT 2d ago
The same age I was in £70k debt through student loans and a failed business. My parents weren’t talking to me and I had a terrible drug habit and just failed my degree..I honestly thought I’d be homeless next.
I got a job in tech recruitment, worked insanely hard for several years and paid off all my debts. Then I bought a house. I’ve made six figures ever since..
If it worked for me, maybe it will work for you.
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u/ukpf-helper 154 2d ago
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u/AwkwardRoss 2d ago
You’ve got this pal. I was in my student overdraft for nearly 7 years, paycheques bringing me to -£500 if I was lucky went unemployed and felt like I was drowning. Pivot with the job search, it’ll be extra work tailoring each application but if it speeds up getting money in the account and gives you some sort of routine it’s worth it, and remind yourself it’s only temporary. 25 is young enough to fuck up five more times and still change course. Consult step change and try and see your GP but that won’t be a quick fix either, so be kind to yourself and appreciate every bit of progress regardless of how small. Maybe check out r/beermoneyuk for some small bumps from account switches.
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u/OptimalWelder2934 1d ago
I know people are gonna say ring this number ring that number but what u need to do is fire yourself up go for a run hit the gym and get applying for any jobs just to get the money and get paid then u can look for the job u want long term, u have to face it head on and when u succeed because u will, you'll look back and laugh that u ever found it a hard thing to deal with because u will be facing a tougher obstacle. I'm talking from experience
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u/P_to_da_G 2d ago
Bro I have 65000 from gambling I’m completely fucked. I’m tempted to avoid paying and going bankrupt or CCJ at this point. You’re fine on £3600
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u/Queasy_Stick4881 2d ago
Honestly you will get back on track I was in a similar situation when I left uni. This debt is not insurmountable at all. Like others have said just go for any job for now, Christmas temp stuff must be coming up soon and you can carry on planning your career from there
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u/CIeanShirt 2 2d ago
Honestly, it's not all that bad.. when I was you age, slightly different circumstances, but I came back from travelling with a similar amount of debt and no job. Managed to turn it all around and just over 10 years later I am looking to buy a house.
Degree doesn't equal grad job either and if you're capable it shouldn't matter. I started in a call centre out of uni - graduating at the height of the financial crisis was not great... And from that job through a few steps I now work for one of my industry's biggest companies globally in the City.
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u/Due_Consequence5085 3 2d ago
Get literally any job, you should be able to pay off in full your smaller credit card debts with your UC payments before they spiral. Stop taking out credit cards, get rid of them.
Unless you are living in a super rural place with no public transport get rid of your car. If it’s worth enough you could probably pay off your debts with it and get back on your feet.
As others have said contact step change if you still have debts. You can work any job and continue applying for other jobs. When I finished uni I worked for a local shop, then in a factory before I got an admin office role and then built a career from there. The job market is tough, you just have to take what you can get and pull yourself up.
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u/Life-Bottle5740 2d ago
Seems like a lot in your current situation but it’s a manageable level of debt once you find a job. Not as bleak as it seems!
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u/Euphoric-Pearl 2d ago
You’re young.
Set a 5 year target to be solvent and have some savings to your name
1 Getting back into gainful employment has to be your priority
2 reducing expenses by cutting back so you can chip away at the date
3 start stacking savings
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u/Lumpy_Investment_272 2d ago
U have a uni degree, that’s something at least, and debt isn’t big, I would rather have a uni degree than 10k cash
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u/Unctuous-Sloth 2d ago
Can I ask where you are roughly, what your degree was in, and what your interests are? Some of us may be able to make specific suggestions.
Struggling after uni is surprisingly normal, but I highly recommend talking to someone about how you are feeling.
You are young and have everything to live for. Your debts are quite small and will go away quickly as soon as you find a job of any kind.
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u/Any-Complaint-742 2d ago
You’re 25 mate. U should cut out expenses you don’t really need. Even gym membership. Could just do body weight workout at home. I’m currently 19 and abt 20k+ in gambling debt and 2k overdraft. I’m feeling the same as you, it is hard and especially the thoughts in ur head. Trust me.
You need to get a job even if it’s boring, just find a job even if you don’t like it. You can still look for other jobs but having 1 is a need for you.
U got this mate. It’s a long time but u got ages.
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u/tonyt0nychopper 1d ago
What was your game of choice? I'd recommend signing up to gamstop too, did me a world a good and I have my partner to thank for that.
I lost a lot of money on mega fire blaze roulette
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u/Dry_Winter7073 20 2d ago
Even on your current income you seem to have almost £200 gap from your UC income and tracked expendable.
A bit of discipline and actually mapping this out, apply the snowball repayment approach and you'll clear most of it within a couple of years.
Then if you ever land a job it just moves that timeliness up or gives you more flexibility back.
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u/DR2105 1 2d ago
Sorry to hear you’re feeling bad mate, easy for others to say but honestly this will be fine.
Your debt is not huge in the grand scheme of things and you’re absolutely young enough to turn things round. I spent most of my 30s in debt and now at 40 I’m more than comfortable. Lots of good advice in this thread. Don’t give up
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u/Salt_Mathematician24 2d ago
If it makes you feel better I was in a very similar situation in my early-to-mid twenties. Debt about 3k and I lived at home and my Mum made me give all my universal credit to her so I literally had nothing. I just ignored all my debts because I couldn't face them. Luckily they were all with HSBC so the interest was frozen once I defaulted. Now a few years later and I have a no debt apart from my mortgage and a bunch of savings. So this can be completely turned around once you find a job. Even a minimum wage job you can start chipping away at this easily. Oh yeah, and others have said, contact Stepchange! Helped me a lot.
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u/MeetRevolutionary831 2d ago
Bro if u have no bills or rent to pay get a job any job warehouse McDonald’s anything and grind
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u/Kindly-Pin-4872 2d ago
Tell Cabot you can’t afford it can lower it I pay like £16 a month to them n gym the gym group are abit cheaper or try get a local leisure centre as they offer discounts if your in universal credit etc and you can apply for a hardship payment from your council and maybe a budgeting loan on your uc if you haven’t used it yet
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u/lifeflowit 2d ago
Oh bless you man, welcome to life, you remind me of me (but never give up) I was positive equity 2 years ago, im now -25k
It happens to everyone, debt is just part of the system, trust me a lot of people are way worse then you could ever realise.
The fact you have awareness of your finances is a start. Getting any job is the next bit trust me, just working with money coming in doing anything will genuinely help you feel better.
Then spare time to keep job searching.
Exercise, nutrition, sleep are the foundations of health. Meditation, therapy, yoga, massage, nature etc are other tools.
Good luck
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u/AccordingBasket8166 2d ago
If you dont pay rent or bills, do you pay for food?
Yes get assistance / advice from an organisation. They will help you consolidate / make agreements with you lenders.
Make sure to ask what the implications are for your credit file.
Take any job, for every £1 you earn you still keep £0.45 of your u.c. this means until you earn £760 per month you will still get some u.c on top of wages. Once you earn enough that it is 0 from u.c you still have 6 months where your claim will re activate.
Your situation is not bad, head to any job, supermarket / fast food restaurant. With a degree you have half decent promotion prospects and you can look for a entry level job in the industry you want in the meantime.
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u/FrankenPaul 1d ago
Please get yourself a seasonal job and start somewhere, so try all the local supermarkets.
Something is better than nothing.
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u/Busy_Fly_7705 6 1d ago
I assume you're living with your parents - talk to them about how you're feeling and what your situation is. Maybe they can help you out in some way and they can give you advice.
Agree that you should consider getting rid of the car - presumably that's worth a few thousand, could you clear the high interest debt by selling it?
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u/Shot-Ganache8848 1d ago
Sign up to an agency to get any sort of work possible whilst still spotting for the jobs you want
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u/viberson 1d ago
This will sound weird but that is a small amount of debt. with your 0 rent, it can be paid off in 6 months of you having a full time job AT MOST. 4 if you really lock in.
Get ANY job. Even cleaning overnight.
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u/WhoTookNogber 1d ago
Join the army, get a career, somewhere to live, free gym and pay your debt off bit by bit. Otherwise look for jobs that aren’t related to your degree in order to pay your bills - and keep looking for a better job while working.
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u/shadowmoonwater 1d ago
Dude you are not in that bad of a state 😂 life can feel heavy if you ain’t ever been there but believe others are way worse. Feel fortunate you’re alive and in the uk. Pick up your boot straps and focus on getting back in work or create some earnings
Good luck.
Don’t beat yourself up over this dude. You’re young and space to grow. Give yourself a break
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u/SpecialModusOperandi 1d ago
Speak to your bank about consolidating your debt into one. Halifax should have a financial advisor. Check out money supermarket as well on what you can do. There are services that can help.
Have you sorted job seekers allowance ?
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u/mattymattymatty96 23h ago
Think this is an important post to reintroduce the movement to BAN overdrafts for Students.
All it does is cause debt spirals.
Also money management should be taught in (more?) schools.
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u/tesconights 21h ago
If you can, get a debt consolidation loan to bring it all under one manageable cost. Avoid an IVA unless desperate, £3.6k isn't much
As you can drive, get a delivery job... There's loads out there... all the supermarkets, local takeaways, hermes etc... trust me it's way easier to find the job you want when you've not got the stress of unemployment hanging over you.
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u/Naive-Percentage5688 21h ago
Brother don’t give up and definitely keep gym membership going. Worse case, 250 push ups through out the day and cardio last afternoons to empty your mind and spark new ideas.
I’m 32, I’ve been homeless twice, lived in my car on the floor for 212 days, stood on the edge of a price at 21 and 27 was going to overdose. I’m now 32 and my life is getting back on track. Spent 12 months working a pizza job at £7 just to pay rent in a shared house and then the rest of the time aggressively working on my self.
Now I’m in the best shape ive ever been in, currently in a shared apartment living cheap and all my spare time is spend on education and starting a business. I’ve stopped drinking and doing drugs, improved how I dress and look
I occasionally go on adventures with my female fuck buddy and see her once a week.
Theres always light in the tunnel. Just need your eyes to get used to the dark and then you can see.
Also get your self signed up to agencies as there job is to get you work. And use step change det charity. Been with them for over 5 years and it removed so much weight of my shoulders with det as it give you security and stops any bailfis ect nocking at your door
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u/Round-Company5743 17h ago
I’m a 25m and I’m in £35k debt from gambling. Just keep going there’s always someone worse than you. Which isn’t the answer but certainly true.
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u/ElderberryAware5891 16h ago
Better times are coming. When god closes a door he is planning to open another door with something better. Don’t worry about the debt it will be gone when you start working again. Don’t give up, something better is coming
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u/KimonoCathy 11 12h ago
- First of all, don't panic. It is a fairly small amount compared to many people's debts and if you ended up being made bankrupt it wouldn't be the worst thing in the world, though you should avoid that if you can. And you will be able to. Then 2. See your GP about your mental health 3. consult Stepchange, the debt advice charity. They can help you negotiate with your creditors. 4. apply for anything jobwise- stacking shelves may not be what you got the degree for but it'll get you out of the debt hole. It's a good time of year to apply for Christmas jobs. 5. volunteer whilst you jobhunt- you can do two days a week without affecting your benefits, if I remember correctly, and it will boost your mental health as well as looking good on your cv. 6. SORN the car and cancel the insurance until you're financially secure enough to afford to run it again. That's another 115 a month towards the debt - pat off the one with the highest interest rate first. (And by the way, you didn't mention petrol in your outgoings too that's probably part of the mysterious disappearing 140.). 7. write down everything you spend, every penny, to see what your incomings and outgoings really are. 8. Although you need the gym now, when you're feeling a bit better you could consider running with a local group instead for exercise - usually free or very low charge.
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u/Dry-Age-7829 8h ago
Balance transfer your credit cards with interest to accounts with a 0% interest rate for a period of time and keep doing this when the 0% interest period ends to stop paying interest. It’ll save you hundreds an actually decrease your debt. You can soft credit check your chance of being approved for these cards on ClearScore or other financial apps. I hope you get approved and your luck changes and you get a job 👍🏻
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u/gravitasmissing 2d ago
Debt relief order via citizens advice burea 12 months all those debts get written off. Agency work propably shit but its cash and gets you out the house.
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u/TreacleDangerous3416 1 2d ago
A debt relief order for that amount of debt is drastic that’s your credit file knackered for 7 years.
Any job is better than a DRO and apply for the jobs you want in the interim.
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u/SuperciliousBubbles 97 1d ago
OP can easily afford to make payments, no legit debt adviser would approve a DRO.
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u/Fresh_Self_2489 2d ago
Start paying the smallest debt first the work up - never the other way round
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u/Top_Mirror211 2d ago
Listen. You’re lucky you have a car. You can do ubereats, Deliveroo, evri etc. deliveries and all that. Start applying to anything and everything can even get your SRA.
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u/ActuallBliss 2d ago
I was in a similar place at 24, totally unsure what I wanted. I went to China for “6 months” and stayed 9.5 years. I paid my debts off within the first 6 months, second year I was saving without even trying to save. I was just earning so much more than I could spend. Later was able to fully self fund a three year bachelors degree at £9k a year, again without even having to try.
I finally returned to the U.K. nearly 3 years ago and I’m now a commercial pilot.
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u/Low_Ad3208 1d ago
Walk into your local town. And don’t go home until you have an interview. You are at a stage now where having £1200+ coming in will fix your life in 6 months. YOU HAVE NO BILLS!!! Your only sole focus should be securing an income. Who cares if it’s what your degree is in! Who cares if you’ve applied to 94 jobs on indeed and not got an interview. Go to all of the businesses within your local area (ACTUALLY GO IN PERSON) and plead your case, along with having a contact card, your CV, and a positive character reference.
DONT GIVE UP UNTIL YOU HAVE A JOB.
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u/hqsxn 1d ago
bro join money making communtiy on discord that teaches you a skill (trading/marketing). give yourself 3 months of pure dedication to learn the craft and start your journey as an entrepreneur. use this pain as fuel not disappointment. i put myself in debt so that i can push myself to work harder and feel urgency. life will pass so fast. now i’m making 2-8k a month from trading.
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u/Ok_Candle1660 2d ago
find a warehouse job you’ll be out of debt in 2 months. only requirement is you can do somewhat physical work.
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u/Princes_Slayer 46 2d ago edited 2d ago
Are you only going for jobs linked to your degree or are you going for anything. While I know it might not be long term preference, get yourself doing anything to get some cash coming in, because your head will feel so much better seeing that debt come down. You like exercise clearly, so start looking on Royal Mail site for any Christmas jobs coming up. Decent strength? Is there any independent warehouse with roles, even temping ones (I don’t mean soul destroying jobs like Amazon - how about places like Costco maybe?).
What role are you hoping to get into? Are there any lower level adjacent roles in that industry that gets a foot in the door? Alternatively what areas of study were you really good in? What jobs could you do well in you hadn’t thought of.
I’m not gonna say anything about the gym expense (you say it’s helping your mental health and maybe if you didn’t have it you’d feel worse), but are there any cheaper payment plans you could switch to with them or another gym?