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  • FIRST POST
    • GambledLife
    • By GambledLife 6th Dec 17, 9:43 PM
    • 43Posts
    • 3Thanks
    GambledLife
    Ruined my life with gambeling and need advice
    • #1
    • 6th Dec 17, 9:43 PM
    Ruined my life with gambeling and need advice 6th Dec 17 at 9:43 PM
    Hello I need some advice as I don't know what to do, I have massive gambling debts of £36543.02 spread out across multiple credit cards and overdraft. the vast majority has been accrued in the past two months.

    Current wage: 38460
    After tax £2205

    I have spent the last few days putting together a spreadsheet of everything I owe as well as incomings and outgoings as close as I can get including a buffer of 200 a month spend (socialising fund /encase I need new shoes or shirt for work or if the shopping / gas or elec is higher then normal) the image below shows all of the money I owe and as you can see as of this moment 4150 of my debt is in an overdraft of which I have recently been told by a friend a back can reduce / suspend at any time (I did Not know this).


    I have tried to lay out a plan over the next two years to clear my debt but as you can see I will still be in my overdraft until the end of May / June if anything unforeseen occurs and my 200 fund cant corer it, there is no way around that (I will not be approved for loans or credit cards to cover the overdrafts 4k capacity, and what's worse is I will need the overdraft to at least have an available limit of the below as of the date listed to pay minimum payments and living expenses and just encase fund:


    Overdraft amount: 4000
    Overdraft amount need / until date:
    3500 - 26th jan
    3000 - 26th feb
    2500 - 26th mar
    2000 - 26th apr
    1500 - 26th may
    1000 - 26th jun
    500 - 26th jul


    Is it likely Halifax will force a reduce on my overdraft before may/ june?
    - its not interest free so I am paying for it 1p for every £7 used per day in negative.


    If so is it likely they will reduce it by more then the value need each month (listed above)?
    - is there anything I can do to stop them?


    What happens if they reduce it on by more then I need to cover living expenses and minimum payments?


    Should I let the bank know I still need the overdraft until this date?
    - I'm worried if I do this it will let them no my financial difficulty's and they will reduce it then and there


    Any advice would be greatly appreciated.


    The spreadsheet I have been working on is below in pipe separated .csv format as I cant insert an image or link yet.

    To view this file you will unfortunately need to copy all text below and paste it into a note pad tool, save this as {filename}.csv you will then be able to open this in a tool like excel, sorry for any inconvenience I am currently in the process of creating the SOA format the forum is use to.

    Date (26th of the mounth)|Bonus Payment|Wages after tax|expences|christmass gifts cost|Current account ON payday|Current account on 26th of mounth (Halifax)|capital one credit card debt inc intrest after payment|capital one credit card payment (min payment £100)|Tesco credit card debt inc intrest after payment|Tesco credit card payment (min payment £150)|Lloyds credit card debt (0% intrest 36 months)|Lloyds credit card payment (min payment currently unknown guessing based on other cards)|halifax credit card debt (0% intrest 35 months)|Halifax credit card (min payment £80)|Virgin credit card debt|Virgin credit card payment (min payment currently unknown guessing based on other cards)|Barclays credit card debt (0% intrest 35 months)|Barclays credit card payment (min payment £200)|credit card debt as of mounth|What was the total mount Payed on credit cards (per month)
    December|||150|||-4000|"-£2,210.00"||"-£6,179.38"||"-£3,090.00"||"-£5,275.45"||"-£5,400.70"||"-£10,237.49"||"-£32,393.02"|
    January|500|2705|765||-795|-3070|"-£2,164.81"|100|"-£6,106.06"|200|"-£2,950.00"|140|"-£5,195.45"|80|"-£5,260.70"|140|"-£10,037.49"|200|"-£31,714.51"|860
    February||2205|665||-185|-2390|"-£2,118.50"|100|"-£6,031.23"|200|"-£2,810.00"|140|"-£5,115.45"|80|"-£5,120.70"|140|"-£9,837.49"|200|"-£31,033.37"|860
    March||2205|665||-185|-1710|"-£2,071.03"|100|"-£5,954.87"|200|"-£2,670.00"|140|"-£5,035.45"|80|"-£4,980.70"|140|"-£9,637.49"|200|"-£30,349.55"|860
    April||2205|665||495|-1030|"-£2,022.40"|100|"-£5,876.95"|200|"-£2,530.00"|140|"-£4,955.45"|80|"-£4,840.70"|140|"-£9,437.49"|200|"-£29,662.98"|860
    May||2205|665||1175|-350|"-£1,972.55"|100|"-£5,797.42"|200|"-£2,390.00"|140|"-£4,875.45"|80|"-£4,700.70"|140|"-£9,237.49"|200|"-£28,973.61"|860
    June||2205|665||1855|130|"-£1,721.47"|300|"-£5,716.27"|200|"-£2,250.00"|140|"-£4,795.45"|80|"-£4,560.70"|140|"-£9,037.49"|200|"-£28,081.38"|1060
    July||2205|665||2335|410|"-£1,264.16"|500|"-£5,633.45"|200|"-£2,110.00"|140|"-£4,715.45"|80|"-£4,420.70"|140|"-£8,837.49"|200|"-£26,981.26"|1260
    August||2205|665||2615|690|-£795.51|500|"-£5,548.94"|200|"-£1,970.00"|140|"-£4,635.45"|80|"-£4,280.70"|140|"-£8,637.49"|200|"-£25,868.09"|1260
    September||2205|665||2895|654.76|£0.00|815.24|"-£5,462.69"|200|"-£1,830.00"|140|"-£4,555.45"|80|"-£4,140.70"|140|"-£8,437.49"|200|"-£24,426.34"|1575.24
    October||2205|665||2859.76|734.76|£0.00|0|"-£4,674.68"|900|"-£1,690.00"|140|"-£4,475.45"|80|"-£4,000.70"|140|"-£8,237.49"|200|"-£23,078.32"|1460
    November||2205|665||2939.76|714.76|£0.00|0|"-£3,770.51"|1000|"-£1,550.00"|140|"-£4,395.45"|80|"-£3,860.70"|140|"-£8,037.49"|200|"-£21,614.15"|1560
    December||2205|665|250|2919.76|444.76|£0.00|0|"-£2,847.81"|1000|"-£1,410.00"|140|"-£4,315.45"|80|"-£3,720.70"|140|"-£7,837.49"|200|"-£20,131.45"|1560
    January|1000|3205|665||4649.76|424.76|£0.00|0|-£906.19|2000|"-£1,270.00"|140|"-£4,235.45"|80|"-£3,580.70"|140|"-£7,637.49"|200|"-£17,629.83"|2560
    February||2205|665||2629.76|320|£0.00|0|£0.00|924. 76|-£970.00|300|"-£4,155.45"|80|"-£3,440.70"|140|"-£7,437.49"|200|"-£16,003.64"|1644.76
    March||2205|665||2525|580|£0.00|0|£0.00|0|-£110.00|860|"-£4,075.45"|80|"-£3,300.70"|140|"-£7,237.49"|200|"-£14,723.64"|1280
    April||2205|665||2785|870|£0.00|0|£0.00|0|£0.00|11 0|"-£3,575.45"|500|"-£3,160.70"|140|"-£6,737.49"|500|"-£13,473.64"|1250
    May||2205|665||3075|1070|£0.00|0|£0.00|0|£0.00|0|"-£2,575.45"|1000|"-£3,020.70"|140|"-£6,537.49"|200|"-£12,133.64"|1340
    June||2205|665||3275|910|£0.00|0|£0.00|0|£0.00|0|"-£1,575.45"|1000|"-£2,520.70"|500|"-£6,337.49"|200|"-£10,433.64"|1700
    July||2205|665||3115|750|£0.00|0|£0.00|0|£0.00|0|-£575.45|1000|"-£2,020.70"|500|"-£6,137.49"|200|"-£8,733.64"|1700
    August||2205|665||2955|914.55|£0.00|0|£0.00|0|£0.0 0|0|£0.00|575.45|"-£1,520.70"|500|"-£5,837.49"|300|"-£7,358.19"|1375.45
    September||2205|665||3119.55|954.55|£0.00|0|£0.00| 0|£0.00|0|£0.00|0|"-£1,020.70"|500|"-£4,837.49"|1000|"-£5,858.19"|1500
    October||2205|665||3159.55|994.55|£0.00|0|£0.00|0| £0.00|0|£0.00|0|-£520.70|500|"-£3,837.49"|1000|"-£4,358.19"|1500
    November||2205|665||3199.55|1013.85|£0.00|0|£0.00| 0|£0.00|0|£0.00|0|£0.00|520.7|"-£2,837.49"|1000|"-£2,837.49"|1520.7
    December||2205|665|250|3218.85|1103.85|£0.00|0|£0. 00|0|£0.00|0|£0.00|0|£0.00|0|"-£1,637.49"|1200|"-£1,637.49"|1200
    January|1500|3705|665||6308.85|2506.36|£0.00|0|£0. 00|0|£0.00|0|£0.00|0|£0.00|0|£0.00|1637.49|£0.00|1 637.49
    Last edited by GambledLife; 06-12-2017 at 10:24 PM. Reason: table didnt view correctly
Page 1
    • Windofchange
    • By Windofchange 6th Dec 17, 9:52 PM
    • 583 Posts
    • 662 Thanks
    Windofchange
    • #2
    • 6th Dec 17, 9:52 PM
    • #2
    • 6th Dec 17, 9:52 PM
    I'm not sure that anybody is going to make head or tail of the list of numbers you have put above. I think the clearest way forwards is a statement of affairs. The big thing is have you stopped gambling? If you are still wasting money on that then there really is no helping you.
    Debt Free by Xmas 2017
    86.58% of Virgin CC £3750 0% of Barclaycard CC £1123.91 100% of Bank of Scotland CC £704.74 100% of Student Loan £3124
    • newbie1980
    • By newbie1980 6th Dec 17, 10:00 PM
    • 1,828 Posts
    • 22,545 Thanks
    newbie1980
    • #3
    • 6th Dec 17, 10:00 PM
    • #3
    • 6th Dec 17, 10:00 PM
    first things first do you think/admit you have a problem

    thats the first thing you need to do if you want to get yourself out of this mess

    if so get yourself down to a gamblers annonymous meeting asap

    thats the only way i found to get myself out of a mess like yours

    ive now been attending a meeting 8 years now
    • GambledLife
    • By GambledLife 6th Dec 17, 10:18 PM
    • 43 Posts
    • 3 Thanks
    GambledLife
    • #4
    • 6th Dec 17, 10:18 PM
    im not sure if this comment was made before the edit or not
    • #4
    • 6th Dec 17, 10:18 PM
    I have stopped gambling but its recent e.g. a week or so no which may not sound a lot but its a big deal for me as I gambling is something I did first thing and last thing of every day and serval times throughout.


    Until recently i have been burying my head in the sand and tbh looking at the numbers makes me feel sick that iv let it get this bad, i have ruined the next 2-3 years of my life (Assuming my circumstances do not change).


    I have spent the last week excluding myself from every site for the max term usually 6years-life from every site I have ever been a member of. I have even joined several just to exclude myself so I cant be tempted in the future.


    if users want to see the table then at the moment you can copy the text and save is as a {filename}.csv you can then open in excel or other tool to see it sheet.


    i don't seem to be able to insert an image.


    i will work on the SOA format.
    • GambledLife
    • By GambledLife 6th Dec 17, 10:21 PM
    • 43 Posts
    • 3 Thanks
    GambledLife
    • #5
    • 6th Dec 17, 10:21 PM
    yes i have a massive problem
    • #5
    • 6th Dec 17, 10:21 PM
    first things first do you think/admit you have a problem

    thats the first thing you need to do if you want to get yourself out of this mess

    if so get yourself down to a gamblers annonymous meeting asap

    thats the only way i found to get myself out of a mess like yours

    ive now been attending a meeting 8 years now
    Originally posted by newbie1980

    100% i have a massive problem and have now stopped the worry of this is making me feel ill, i am currently looking for meetings in Harlow / online help groups.
    • WannabeFree
    • By WannabeFree 6th Dec 17, 11:44 PM
    • 413 Posts
    • 2,842 Thanks
    WannabeFree
    • #6
    • 6th Dec 17, 11:44 PM
    • #6
    • 6th Dec 17, 11:44 PM
    Well done for posting.

    I too was really bad at gambling and nearly lost everything including my home and family etc.

    First off speak to GA. You might feel its under control now but honestly it comes to bite when you least expect it. They will help massively. I had a flickering light bulb several times. This time it was different because I had the support of GA.

    Secondly K9 Web protection is free, it will block all gambling sites. Get someone you trust to set it up and do the password. It's saved me caving in a few times.

    Speak to a debt charity if you want to speak to someone about the debt don't go to a fee paying place.

    Well done on making the first step
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • bexster1975
    • By bexster1975 7th Dec 17, 7:26 AM
    • 1,064 Posts
    • 4,886 Thanks
    bexster1975
    • #7
    • 7th Dec 17, 7:26 AM
    • #7
    • 7th Dec 17, 7:26 AM
    Hello

    To address your OD questions, no one can say when the bank will call in an overdraft. They don't need a reason. I think your plan to repay it looks great - barely six months to clear it good for you.

    I would not discuss the plan with the bank. In my experience ( thankfully not personal but a relative) if you say you have a problem, they simply pull the rug ( then offer to loan you the money at an extortionate rate). If there is no reason for them to review your overdraft, I'd assume for now they won't. I only had an overdraft of a similar level when I was a student. I imagine if they cut it they would do so incrementally. I would negotiate that IF they discuss removal of the facility. Whilst you are paying for the privilege, they are making money.

    Good luck with the situation that has landed you here too.

    Keep posting

    Bexster
    • newbie1980
    • By newbie1980 7th Dec 17, 7:49 AM
    • 1,828 Posts
    • 22,545 Thanks
    newbie1980
    • #8
    • 7th Dec 17, 7:49 AM
    • #8
    • 7th Dec 17, 7:49 AM
    Well done for posting.

    I too was really bad at gambling and nearly lost everything including my home and family etc.

    First off speak to GA. You might feel its under control now but honestly it comes to bite when you least expect it. They will help massively. I had a flickering light bulb several times. This time it was different because I had the support of GA.

    Secondly K9 Web protection is free, it will block all gambling sites. Get someone you trust to set it up and do the password. It's saved me caving in a few times.

    Speak to a debt charity if you want to speak to someone about the debt don't go to a fee paying place.

    Well done on making the first step
    Originally posted by WannabeFree

    https://www.gamblersanonymous.org.uk/index.php/meetings
    • GambledLife
    • By GambledLife 7th Dec 17, 7:53 AM
    • 43 Posts
    • 3 Thanks
    GambledLife
    • #9
    • 7th Dec 17, 7:53 AM
    • #9
    • 7th Dec 17, 7:53 AM
    Hello

    To address your OD questions, no one can say when the bank will call in an overdraft. They don't need a reason. I think your plan to repay it looks great - barely six months to clear it good for you.

    I would not discuss the plan with the bank. In my experience ( thankfully not personal but a relative) if you say you have a problem, they simply pull the rug ( then offer to loan you the money at an extortionate rate). If there is no reason for them to review your overdraft, I'd assume for now they won't. I only had an overdraft of a similar level when I was a student. I imagine if they cut it they would do so incrementally. I would negotiate that IF they discuss removal of the facility. Whilst you are paying for the privilege, they are making money.

    Good luck with the situation that has landed you here too.

    Keep posting

    Bexster
    Originally posted by bexster1975
    I see what you mean the trouble is my wages go into the account so if they do reduce it screws over my living situation and all my cards then i will start injuring more and more interest.

    I'm currently looking at step change (Recommending a DMP) but from what I'm reading creditors don't have to freeze interest or accept a lower payment, you make payments to the DMP and they divvy it up they might not pay the minimum so could end up in worse shape. that and apparently creditors can still chance you and take you to court.

    Does anyone have any experience with step change (DMP) ? with my kind of debt levels? did your creditors refuse lower payments or not freeze the interest.
    • bexster1975
    • By bexster1975 7th Dec 17, 8:03 AM
    • 1,064 Posts
    • 4,886 Thanks
    bexster1975
    Hi

    I don't have experience of Stepchange, but lots on this board have.

    I think the bank pulling your OD is a panic to put off until it happens, and work on paying it down. I can't really work out your spreadsheet are you in £32000 of debt in total?

    If Stepchange recommend DMP, it is likely to be a good solution.

    Bexster
    • GambledLife
    • By GambledLife 7th Dec 17, 8:33 AM
    • 43 Posts
    • 3 Thanks
    GambledLife
    Hi

    I don't have experience of Stepchange, but lots on this board have.

    I think the bank pulling your OD is a panic to put off until it happens, and work on paying it down. I can't really work out your spreadsheet are you in £32000 of debt in total?

    If Stepchange recommend DMP, it is likely to be a good solution.

    Bexster
    Originally posted by bexster1975
    Thanks i appreciate all your comments, i wish it was 32000 sadly i was stupid enough to rack up £36543.02 before i realised just how bad it was. whats even worse is the majority is only over the last couple of months i feel so ashamed of this, i want to pay it all i don't want to declare bankruptcy or write some off if thats even possible.

    Its my mess

    I really don't want my family and friends to know, i couldn't deal with that pressure as well i already hate my self enough
    • theoretica
    • By theoretica 7th Dec 17, 9:16 AM
    • 4,942 Posts
    • 6,173 Thanks
    theoretica
    From posters on here, in the fairly uncommon case that a bank pulls an overdraft they don't do it immediately. Rather, they give a couple of months' notice which is enough to hatch a plan and change accounts if and when they do that.

    You hopefully won't need all of your 200 every month and can save lots of it for occasional bigger needs, and if you save it by leaving it in your bank account, that will bring the overdraft down faster.
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
    • Gazzafatcityboy
    • By Gazzafatcityboy 7th Dec 17, 9:41 AM
    • 91 Posts
    • 81 Thanks
    Gazzafatcityboy
    Hi there Gambled life.

    I would take most of the advice that people have given so far. I would also suggest blocking software to be installed. Ban yourself from all land based casinos and bookies if you can. Then you wont have the temptation.

    Don’t beat yourself up too much about it. As a fellow gambler when it was the worst I thought about it everyday and it really hurts, I know it does but trust me you will come out better once you have paid off the debt.

    We all make mistakes in our lives, its just how you learn from them that counts.

    Gazza
    • Silvester89
    • By Silvester89 7th Dec 17, 9:48 AM
    • 81 Posts
    • 8 Thanks
    Silvester89
    Although I can't say I've ever considered myself to be addicted to Gambling, I have suffered with other addictions in the past. What I would say is well done for making the decision to change and I wish you the best of luck. I am sure there will be occasions where you find yourself tempted to gamble again. But stay strong, focus on the end game and it will be worth it in the end.
    • robdogg11
    • By robdogg11 7th Dec 17, 10:28 AM
    • 41 Posts
    • 19 Thanks
    robdogg11
    All I can really add is that whenever a bank has tried to pull an overdraft on me a quick phone call has always resulted in a monthly plan to reduce it by a bit every month rather than the lot in one go.

    They will always offer it again when you have cleared it off though so stay strong.

    Good Luck, I never got in as deep as you but gambling was a big part of my problem as well (I worked in a bookies, the secret is, they always win)
    • enthusiasticsaver
    • By enthusiasticsaver 7th Dec 17, 10:35 AM
    • 4,844 Posts
    • 9,147 Thanks
    enthusiasticsaver
    Post an MSE soa and we can give better advice. I saw your thread on banking forum.

    First of all don't panic about the overdraft.

    If you are within your limit and your salary goes in every month you are a cash cow (excuse the term) for Halifax and they are unlikely to pull the overdraft. How much roughly are you paying each month for the overdraft?

    If for any reason they do decide to reduce your overdraft faster than you would like they will give you about 2 months notice normally and it would be negotiable.

    Worst case scenario is they write to you in new year and say they are reducing it to £2500 from March which is almost where you want to be anyway.

    Repay the overdraft because it is now expensive but I don't think you need to worry about it being recalled any time soon. If they do and they won't negotiate then open a basic account elsewhere and move your salary.
    1 week to go until early retirement. Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • GambledLife
    • By GambledLife 7th Dec 17, 11:27 AM
    • 43 Posts
    • 3 Thanks
    GambledLife
    Post an MSE soa and we can give better advice. I saw your thread on banking forum.

    First of all don't panic about the overdraft.

    If you are within your limit and your salary goes in every month you are a cash cow (excuse the term) for Halifax and they are unlikely to pull the overdraft. How much roughly are you paying each month for the overdraft?

    If for any reason they do decide to reduce your overdraft faster than you would like they will give you about 2 months notice normally and it would be negotiable.

    Worst case scenario is they write to you in new year and say they are reducing it to £2500 from March which is almost where you want to be anyway.

    Repay the overdraft because it is now expensive but I don't think you need to worry about it being recalled any time soon. If they do and they won't negotiate then open a basic account elsewhere and move your salary.
    Originally posted by enthusiasticsaver

    I thought they might lower it because when they gave it to me my credit was good and I was in 15-18 k less debt, now my rating is awful. ill just haft to see what happens in the coming months.
    • GambledLife
    • By GambledLife 7th Dec 17, 11:57 AM
    • 43 Posts
    • 3 Thanks
    GambledLife
    I thought they might lower it because when they gave it to me my credit was good and I was in 15-18 k less debt, now my rating is awful. ill just haft to see what happens in the coming months.
    Originally posted by GambledLife

    I don't believe this iv just received a message from them confirming that I have a meeting on the 8th of this month (I didn't arrange a meeting or contact them) I feel sick iv checked the number and its defiantly Halifax I'm screwed I'm going to loose everything. and what's more I wont be able to pay my bills what am I going to do...
  • National Debtline
    Hi GambledLife


    First of all, please take a deep breath and count to 10, or make yourself a cuppa, or do whatever else helps you relax.


    Next, get yourself a brand new *basic* bank account somewhere you've got no existing debts as soon as you can. https://www.nationaldebtline.org/EW/factsheets/Pages/basicbankaccounts/openingabasicbankaccount.aspx


    You'll certainly need this if you set up any sort of DMP with the likes of Stepchange, and even if you don't, you need to have a safe place your salary can go where no charges/interest etc. can be deducted from it. You can then negotiate repayment of that overdraft on your terms.


    Better still, please contact one of the free debt advice charities today, as someone will be able to both listen and talk you through a plan of action. This is resolvable but please take advantage of any assistance that is on offer.


    Good luck


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • GambledLife
    • By GambledLife 7th Dec 17, 1:59 PM
    • 43 Posts
    • 3 Thanks
    GambledLife
    Hi GambledLife


    First of all, please take a deep breath and count to 10, or make yourself a cuppa, or do whatever else helps you relax.


    Next, get yourself a brand new *basic* bank account somewhere you've got no existing debts as soon as you can. https://www.nationaldebtline.org/EW/factsheets/Pages/basicbankaccounts/openingabasicbankaccount.aspx


    You'll certainly need this if you set up any sort of DMP with the likes of Stepchange, and even if you don't, you need to have a safe place your salary can go where no charges/interest etc. can be deducted from it. You can then negotiate repayment of that overdraft on your terms.


    Better still, please contact one of the free debt advice charities today, as someone will be able to both listen and talk you through a plan of action. This is resolvable but please take advantage of any assistance that is on offer.


    Good luck


    Dennis
    @natdebtline
    Originally posted by National Debtline



    I have opened a "Santander: Basic Current account​" I don't believe they are part of the same banking group as any of my accounts / cards. I have emailed my payroll company in an effort to get Decembers pay into the new account she said that should be ok (fingers crossed).

    I'm guessing ill need to tell Halifax this during the meeting on Saturday? no idea what there going to say I assume its got to be about the debt.


    Should I take the spread sheet to show how much I can pay?
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  • Exactly. Politics already suffered from our adversarial system - pushing people to oppose not compromise. That ha? https://t.co/gETVyA6HWA

  • RT @bbclaurak: Thanks Martin - we know we can?t please all the people all the time (stands by for grief) but try hard to show how it actual?

  • Morning. I'm on my way to my last @GMB 7:40 deals of the week of 2017. This week including gift card warning, free? https://t.co/2dcNviXxsN

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