i've just applied for a loan to see me through a period of financial difficulty. is this a stupid thing to do? i'm looking for a job for over the summer at the moment, and i expect i'll be working all through the summer, but in the mean time i'm almost overdrawn on my overdraft and i have a long list of one off things that need paying for in the short term.

i think i'm probably going to regret this, but i am actually the stupidest person in the world when it comes to dealing with financial stuff.