Can't afford it, but you really need it?

i suggest you continue wearing last years coat if you can, if you have dont have any money coming in i suppose you are going to have a hard time paying your credit card bill. try to avoid unnessary purchases. if your old coat isnt insulated i suggest you put on a good amount of layers so that you dont freeze your off at the bus stop. you should wait until you have a job and income coming in before you buy a new coat.