By Coleen Nolan Dear Coleen I’m a 32-year-old woman and in September I started retraining to change careers. It coincided with breaking up with my long-term boyfriend and I’m finding it hard. Financially, it’s a nightmare and I’ve gone from having a decent living and being able to do things with my friends to being on a student budget. My friends are all at a stage where they can go out for a meal or drinks and have a weekend away without thinking about it too much, but I just can’t afford to do that stuff any more. In fact, I won’t be doing it for the next three or four years! I don’t want to…