Hi Lauwjtee. I am sorry to hear about this trouble you are in. I see that you are resisting urges to gamble to get the money you need – that is good. Please keep on reminding yourself that gambling can only lead to more trouble and loss and it cannot ever solve your problems – the addiction will try to tell you it can solve them, but really it can only add to them. I hope you have managed to continue resisting and that you can divert your mind in other ways.
Is there anyone close you can confide in while you wait to contact your school and your bank? Are there student support services at your school, where you can explain what has happened and get advice and/or advocacy?
It is tough facing this financial difficulty, but try to stay calm and determine to talk to school and your bank as soon as you can on Monday (tomorrow). If you can pay 2 months fees to school, maybe they will accept that and let you back? It is often better to offer part of what you owe to any organization and keep in contact with them. It is not always ‘an all or nothing’ scenario. Can you also speak with your bank tomorrow? I’m wondering also about the phone bill? – you say you were back on schedule until the phone payment got taken automatically; I am wondering if you are spending a large amount on your phone and if there is a possibility that you can reduce this in future to avoid this kind of unexpected problem? Can you re-think how you use it and/or change to a different provider or payment schedule? Can you ensure that you know when and how much you will be paying?
I don’t know if these ideas are useful and relevant for you – if not, perhaps others will write with better ideas. But I hope it helps to know you can share your worries here and that people care. Let us know how you get on.
Monique