I need a new phone and I have a job but other bills take priority. Why do you need a new phone if you don't work? If you desperately need a new phone tesco or asda sell a basic phone for £9.99. unless you are earning you can't expect anything beyond that.
I'd go with the eBay suggestion. Most folk have stuff they don't want/no longer use....take the opportunity to get rid of your clutter and make a few bob.
mrs chappie, I asked if the questioner had any saleable items, but it now looks as if she is only around 14 so that is unlikely. Also you need to be 18 to start an ebay account.