<prompt> Human: Ive always been a complete idiot when it comes to money. Basically since Ive left my parents house to move out on my own about 17 years ago Ive lived a financially completely unstable life. I had to make my first debts for university and ever since Ive only added more and more debt to it. Its come to a point now, where my overdraft is completely used up in fact Ive exceeded my overdraft limit, account is -7300, I have two loans one with 43000 left one with 5000 with massive payment I have to make monthly and a maxed out credit card 4000. I take home about 2100 a month and debt payments are 1200 so to live I need the overdraft which makes it worse and worse. From April on Ill have to take a pay cut and will earn only 1800 a month. You see where this is going. I dont know what the point of this post it. Its not like anyone can help me. I guess I just needed to get it off my chest. I guess my only option apart from suicide is to declare bankruptcy. I live in Germany and theres a system for private bankruptcy but itd mean I lose my job... maybe suicide is the better idea. Im a complete moron! Dont be an idiot kids!  <response>: Hi uinked_beetle,Thanks for your post. Im not sure whether you are seriously considering suicide, but I wanted to make sure that you knew that Germany takes part in the EU Central Helpline system. You can reach their Emotional Support Helpline directly and for free at 116 123. Alternatively, you can visit their website and access a live chat feature.rsuicidewatch is currently the most prominent subreddit featuring support for other redditors suffering from suicidal thoughts if you want to seek help on Reddit or ask them specific questions about suicide prevention resources in Germany.___All,Ive approved this post since uinked_beetle provides at least a few basic facts about their income, debt, etc... Please feel free to ask for additional details as needed. In particular, I would encourage uinked_beetle to post their full budget as well as a short table summarizing the interest rate, minimum payment, and total amount owed for all of their debts.Please note - this thread will be monitored and moderated more strictly than normal. Personal attacks or encouraging violence whether against self or others are never tolerated, but any hint of such a suggestion here will lead to a ban. 