@#!^*&*

BRB, trying to figure out how to reduce my overdraft given that

a) I have no money due in until next student loan in mid-September

b) I can't get a job due to VET SCHOOL OWNS YOUR LIFE NO SHUT UP YOU DON'T HAVE TIME FOR A JOB OR HOLIDAYS

c) Despite being on the MRC volunteer panel with "send me invitations as often as possible", in my carefully-arranged 3 weeks of actual, honest-to-God holiday I was offered ONE slot, paying £10. Since I'm working hours that won't allow MRC slots for the next 5 weeks, I've been offered 2 (just for next week!) that would have given me about £60 together, so are they checking my timetable first or something?

d) I was planning on buying food with the available bit of free overdraft while scraping together enough money to pay September's rent payment (July and August's rent I had already set aside)

e) Lloyds has just decided that since I've been a "graduate" for more than a year now, I must obviously be in a job or maybe on a PhD where I'd presumably get more than <£4500 a year to live on, and have decreed I WILL NOW GET £500 LESS free overdraft from the start of this August. Practically speaking, this is the same as telling me to either hand them a chunk of money ASAP, or grab a mat and enjoy throwing myself down a nice spiral of debt.

For those who haven't attempted living within my finances, I should point out that while it is possible to tread water for large amounts of the year unassisted, it is not recommended to live on a student loan + overdraft + research volunteering without the safety net of caring parents and relatives (or, I don't know, maybe not being forcibly unemployed for 5 years might help too, but then that's just hypothetical).

I have no idea how next year is going to work out, given that while on rotations I will most likely be too busy to do anything at the MRC, and so will lose that small avenue of income as well.

This kind of breaking-point budgeting has been stressing me out for about 3 years now, and it really needs to just piss off and bother somebody else for a while.

Maybe an MP.