I don't know what to do about the debts that I have. It's not major but it's more than manageable for me. It's around £9000. Which I know is not massive and there are people in a lot more debt than me. I can't control what I spend and it worries me. I don't seem to be able to budget. If I have money I just want to go and blow it and go shopping. Buy nice things for me like new clothes, having my hair done and things that make me feel nice. I like having new things and went I get the money through I can't control what I do with it. I have got in to a bad state with debts this month also. I got a pay day loan x 2 and I can't clear it. It is due next week but I know I can't afford to pay it off as will be about £700 that I need to pay out in one go. I have had to cancel my bank card so they can't take the payment next week. I have enquired about a debt relief order which will cost £90 but they said because there is reasonably new debt with these payday loans they could turn it down saying I took them out with no intention of paying it back. The thing is when I took them out my head wasn't in the right place. So the DRO people are saying there is a chance it could be declined. She said I should not pay them and wait a couple of months to process it so that it doesn't look like I have taken it out with no intention of paying them. It's getting me in to a bit of a state worrying about it all. I have bad credit so it's not even as though I can get a consolidation loan to clear everything. It's making the thoughts come on really strong and the self harm is worse because I don't feel as though I can cope.