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  • FIRST POST
    • PositiveStep
    • By PositiveStep 11th Oct 16, 9:57 PM
    • 10Posts
    • 13Thanks
    PositiveStep
    Road to gamble/debt free
    • #1
    • 11th Oct 16, 9:57 PM
    Road to gamble/debt free 11th Oct 16 at 9:57 PM
    Hi,

    So I've been lurking here for a short while and I've decided to make an account and start a new thread. I guess this is mainly so I'm sort of held accountable for what I do if I slip up (I think it will help).

    Basically, I've developed a bit of an online gambling problem over the past few years and have ran up a pretty big sum of debt (by my standards anyway). I know a lot of people have had it a lot worse but I feel I'm in a very sticky situation and I want to get it out of it, starting today. I've tried giving up for a while now but I slipped up today and kind of have a "enough is enough" moment today. So I've sat down and worked out my total debt (which I've never done, and it's scary).

    A breakdown of my debts are roughly...

    Credit card 1 - £2000
    Credit card 2 - £2000
    Credit card 3 - £3000
    Overdraft 1 - £1500
    Overdraft 2 - £1600

    And I currently have a couple of payday loans on the go for about £1500 in total, but I hope to repay that early and cut a big sum of interest from it. I know payday loans are pretty damn bad and a last resort, but I needed money quick for some rent/holiday cash. I'm confident I'm able to meet the repayments on that and get it out of the way ASAP before hitting late repayments or getting into a vicious cycle. I'll be focusing on clearing that before touching anything else.

    So I guess this is my diary to document the day I gave up gambling (i.e. today!!) (I hope...), and to watch my debts go down and down and down....

    Let's see how it goes. I'd be interested in hearing any gambling debt success stories so if you have been in a similar situation or you have read a success story on here, drop me a link Also any tips on everyday savings? I think I've cut down a lot on random spending but any suggestions are welcome.

    The beginning...
    Total debt - £11,524.48
    Days gone without gambling - 0 (Last gamble - 11th October 2016).


    Thanks for reading,
    Positive.
Page 1
    • Purplemumof2
    • By Purplemumof2 11th Oct 16, 10:13 PM
    • 3,933 Posts
    • 11,554 Thanks
    Purplemumof2
    • #2
    • 11th Oct 16, 10:13 PM
    • #2
    • 11th Oct 16, 10:13 PM
    Hi,

    Good luck on your journey.

    Pmo2
    X
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • PositiveStep
    • By PositiveStep 12th Oct 16, 5:22 PM
    • 10 Posts
    • 13 Thanks
    PositiveStep
    • #3
    • 12th Oct 16, 5:22 PM
    • #3
    • 12th Oct 16, 5:22 PM
    Thank you very much Purple!
    • fourthtimelucky
    • By fourthtimelucky 12th Oct 16, 5:43 PM
    • 26 Posts
    • 39 Thanks
    fourthtimelucky
    • #4
    • 12th Oct 16, 5:43 PM
    • #4
    • 12th Oct 16, 5:43 PM
    Best of luck with it all. I'll follow with interest.
    Starting point Aug 2016 - £13,853.38
    Current total Dec 2016 - £12,128.36 - 12.16% paid off
    Debt free date (worst case) December 2019
    • jools1985
    • By jools1985 12th Oct 16, 11:56 PM
    • 21 Posts
    • 22 Thanks
    jools1985
    • #5
    • 12th Oct 16, 11:56 PM
    • #5
    • 12th Oct 16, 11:56 PM
    Good luck to you. It is so easy to develop an interest for online gambling. If you can get over that then you will have a great launchpad to becoming debt free.
    • chevalier
    • By chevalier 13th Oct 16, 1:29 AM
    • 7,690 Posts
    • 17,801 Thanks
    chevalier
    • #6
    • 13th Oct 16, 1:29 AM
    • #6
    • 13th Oct 16, 1:29 AM
    I guess my advice would be to install gamblock (i think it is called) on your computer to stop access to the sites. You can also self exclude yourself from the sites you currently use would that help as well?
    good luck
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
    • PositiveStep
    • By PositiveStep 14th Oct 16, 9:16 AM
    • 10 Posts
    • 13 Thanks
    PositiveStep
    • #7
    • 14th Oct 16, 9:16 AM
    • #7
    • 14th Oct 16, 9:16 AM
    Hi Chev,

    Thanks for replying

    I use k9 web protection on my web browser (recently downloaded) and I've self excluded myself from a whole bunch of website which has helped massively. Still quite easy to just create a new account on my phone though.

    I slipped up yesterday which is annoying, but I'm still feeling pretty determined! My debts are going to go up this month, but after payday they will definitely start going down. Still feeling positive
    • Purplemumof2
    • By Purplemumof2 14th Oct 16, 10:13 AM
    • 3,933 Posts
    • 11,554 Thanks
    Purplemumof2
    • #8
    • 14th Oct 16, 10:13 AM
    • #8
    • 14th Oct 16, 10:13 AM
    Hi,


    Everyone has a blip now and again, well done for recognising it and your determination to sort it.


    Pmo2
    x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • PositiveStep
    • By PositiveStep 17th Oct 16, 4:24 PM
    • 10 Posts
    • 13 Thanks
    PositiveStep
    • #9
    • 17th Oct 16, 4:24 PM
    • #9
    • 17th Oct 16, 4:24 PM
    Finally got a decent gambling block browser on my phone and have disabled Safari. Think this will really help

    Debt is creeping up but as I said, that was expected until next payday as I'm going on a city break at the end of this month! Going to be my last holiday for a while until this debt is cleared I think!

    • HEROWHENZERO
    • By HEROWHENZERO 17th Oct 16, 5:25 PM
    • 52 Posts
    • 85 Thanks
    HEROWHENZERO
    Hi Positive Step,

    Great first step to accepting you have a gambling problem, and that you are tackling your debt problems. I too am in the same boat. If you haven't already, get yourself along to a GA meeting. If you have a program it really helps to stay gambling free. Every day without gambling is a good day and deserves a pat on the back.

    Good luck with your journey, you are certainly not alone.

    Hero
    Just for today I will not try to solve all my life problems at once. | DFD: April Feb 2033
    Original Debt: £96K Mar 2016 | Current Debt:
    £90,468.02 Dec 2016
    £92228.23 Aug 2016 | £91808.02 Sep 2016 | £91165.17 Oct 2016 | £90,518.02 Nov 2016
    • PositiveStep
    • By PositiveStep 18th Oct 16, 5:31 PM
    • 10 Posts
    • 13 Thanks
    PositiveStep
    Hi Positive Step,

    Great first step to accepting you have a gambling problem, and that you are tackling your debt problems. I too am in the same boat. If you haven't already, get yourself along to a GA meeting. If you have a program it really helps to stay gambling free. Every day without gambling is a good day and deserves a pat on the back.

    Good luck with your journey, you are certainly not alone.

    Hero
    Originally posted by HEROWHENZERO
    Hi Hero,

    Thank you so much for posting. I have subscribed to your diary to support your progress - it seems like you've been through a lot but are making amazing progress staying gamble free and getting that debt down - congrats!

    I haven't been to a GA meeting as the thought of it fills me with dread to be honest, and I sort of see it as a "last resort" type thing which I guess probably isn't the best outlook... I'll do some research on it and see how I feel.

    Thanks
    Positive
    • HEROWHENZERO
    • By HEROWHENZERO 19th Oct 16, 11:25 AM
    • 52 Posts
    • 85 Thanks
    HEROWHENZERO
    Hi Hero,

    Thank you so much for posting. I have subscribed to your diary to support your progress - it seems like you've been through a lot but are making amazing progress staying gamble free and getting that debt down - congrats!

    I haven't been to a GA meeting as the thought of it fills me with dread to be honest, and I sort of see it as a "last resort" type thing which I guess probably isn't the best outlook... I'll do some research on it and see how I feel.

    Thanks
    Positive
    Originally posted by PositiveStep
    The most positive thing about GA is that you meet people who really understand you, and those that keep meeting every week stay off gambling. There truely is nothing to fear, if you live in Kent then I'd be happy to attend a meeting with you for support.

    Hero
    Just for today I will not try to solve all my life problems at once. | DFD: April Feb 2033
    Original Debt: £96K Mar 2016 | Current Debt:
    £90,468.02 Dec 2016
    £92228.23 Aug 2016 | £91808.02 Sep 2016 | £91165.17 Oct 2016 | £90,518.02 Nov 2016
    • PositiveStep
    • By PositiveStep 19th Oct 16, 10:08 PM
    • 10 Posts
    • 13 Thanks
    PositiveStep
    The most positive thing about GA is that you meet people who really understand you, and those that keep meeting every week stay off gambling. There truely is nothing to fear, if you live in Kent then I'd be happy to attend a meeting with you for support.

    Hero
    Originally posted by HEROWHENZERO
    Thanks for the support Hero, that's a very kind offer. I live nowhere near Kent unfortunately but will have a look at what's available in my area!

    Positive
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