Dubversion, didn't mean to imply you were lazy (sorry, no offence was meant) but lots of people do whinge about their jobs and do nothing to change it.
You say you have huge outgoings and no savings, so just jacking your job in isn't an option. True, but you CAN start thinking about what you would need to do in order to minimise your outgoings, start putting some savings by, how long that would take so you would be in a position to leave.
Took me a six months to decide I wasn't happy in my last job, three months to get an offer of a phd place then I had to work three months notice before I could leave, so a year in all, but I was making changes, reducing outgoings and savings all that time to make doing a phd happen.
Only you can change your life, nobody else can.