My finances (and emotions) are in tatters after a bad breakup which left me pretty much homeless and destitute. I have now got myself a room in a shared house but I've had an attachment to earnings put against me for a 6yr old debt I knew nothing about which means I'm losing around £150 a month and I've also been informed my contracted hours are going down due to changes in the company. I am fucked, to put it mildly. I'm in touch with the debt company to try and reduce the amount I'm paying out but there is no guarantee they will agree to reduce it.
I desperately need a better job but due to where I live and bad public transport, it is proving very difficult. I have a motorbike which is my only transport and costs significantly less than I'm paying in bus fare to run but it's currently off the road - it was written off after someone hit me earlier this year. Having the bike working would help massively as it would enable me to look for more jobs with better earning potential but I have no money to fix it. I have nothing I can sell, am not eligible for any benefits and finding a second job is very difficult due to the same transport issues and needing to remain 'fully flexible' for Job 1. I can't borrow any money off family/friends and have terrible credit. I can't reduce my living costs any more than I already have, I really pay out for only the essentials.
I'm so stuck. The only thing I can think to do is to try and get a payday type loan (only one I can get) to try and get my bike fixed so I can get a better job but it's a huge gamble because if I can't find anything else then I'm left paying out even more money every month to pay it back.
Wibu? Is this a really terrible idea?