Debts

• Hello. I am a 23-year old STUDENT. I have not started earning my own income. I rely on my monthly allowance from my father to support my lifestyle. I recently asked for a Blackberry from my father, who granted me with the budget to buy the phone. Trying to be a decent daughter, I therefore do not want to ask for my monthly allowance for 2 months, to compensate for the purchase of the new phone. Subsequently, I now live on my mother's discretion to give me weekly cash to survive and my mother's supplementary credit card for petrol, bills, and other errands.

• HOWEVER, I have RM400 worth of MBSA summons to be paid by 7th May 2010 before my name will be blacklisted in Bank Negara's Credit Control Reference Information System (CCRIS), and though I recently charged RM150 for Maxis Bill on the credit card, my phone is now barred because I have exceeded my credit limit of RM200. Furthermore, the credit card statement showed that I had charged more than RM800 for the past month because I decided to shop for interview attires on top of the errands. I am now unable to call out, SMS, nor enjoy my Blackberry internet services, and worse would suffer the possibility of not getting any loans approved in the future because I have no money to not blacklist my name.

• The conclusion:
• My expenses have totaled up to RM1400 (RM400 + RM200 + Rm800)
• I have absolutely no money to even do anything else.
• This means I have to ask for my monthly allowance from my father, but I am just too guilty to do so.
• DEFEATS my purpose of not asking for monthly allowance.
• I wish I am working NOW.
• I am depressed.
• My boyfriend is somehow in this inaccessible mode, that I can't confide in him.