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@valentinap You've got no money. Its way out of the risk matrix normal retail banks would ever entertain. Most other options involve a guy driving a jaguar car with a baseball bat, and those options don't come cheap. At 40 and tertiary educated, you probably are better off starting something up...

@ilearn At the moment, i have negative savings every week yet work over 50 hours. It's not uncommon, and there's nothing wrong with hiking. I figure that my financial situation won't be forever, and infact its been a lot better in the past. Sometimes, my spare time is spent on a 'side income'...