right first off, ditch the wonga loan- pay it off in full and try not to borrow again or if you have to just for a couple of days. Pay your rent, a roof over your head is more important than anything else. Screw the old debt for a bit, you need a breathing space and it'll take em an age to do anything about that anyway. Call the water supplier and tell them you are experiencing difficulty and cannot pay, whatever they suggest you pay tell them you can only afford half of that and don't budge- they will. Once you srat to take positive action you will feel much better. Next you have to think of a way to earn quick easy money which will not take up too much of your time. Without knowing your individual talents I can't help you much further yet, but there are endless ways- Ebay usually being the quickesat and simplest for most people. You could be debt free in a relatively short time, but you need to get away from the victim perspective of this whereby it's dragging you down to being soemone who is taking positive steps to do something about it, then you at least won't feel so bad.