Desperate need help !!

showery2002

I need help as I have been so stupid. I have been gambling my wages at an on line site and have got a couple of payday loans too. I need help with how I can pay everything off. I have no money left and only got paid on Friday. As you can imagine I do not have a great credit history. I am genuinely looking for help not critisism. I am at my wits end now Please someone help me !!

UsetheFORCE

showery2002 wrote: »

I need help as I have been so stupid. I have been gambling my wages at an on line site and have got a couple of payday loans too. I need help with how I can pay everything off. I have no money left and only got paid on Friday. As you can imagine I do not have a great credit history. I am genuinely looking for help not critisism. I am at my wits end now Please someone help me !!

How long have you been gambling for? Are you paid weekly? Who are the PDL's to and how much do you owe them? Do you have other debts?

Many questions...

Personally, the first issue you need to look at is whether your gambling is a serious problem. I would hazard a guess, it is!

I would advise that depending upon where you live, you look into trying to go to a Gamblers Anonymous meeting. Is there anyone you really trust who might help you?

As for the financial issues, it all depends on the true state of your finances, how much do you get paid?, your outgoings, how much money you have left from each pay.

Answer some questions and give us something to work on...

Regards

showery2002

I earn £1600 evry 4 weeks. My pdls are swiftsterling for £480 and payday express for £200 + £100.mortage £250pm car loan £165pm.car ins £30pm council rates £88pm electric £20pm dog ins £14pm house ins £14pm heating oil £50pm petrol £50pm shopacheck loan £120pm tv lic £22pm gym £25pm

Jimby509

You must check out this thread, it has been a life saver for me https://forums.moneysavingexpert.com/discussion/comment/58068405#Comment_58068405

The most important thing now is to stop the gambling. This may involve putting an internet block on the computer I think gamblock give you a free 30 day trial. If they don't other sites will. Get it on your computer asap.

Do you have support of family friends? Maybe to help with money for food if you have no money at all.

Also I would post a more extensive soa http://www.britishinvasion.co.uk/soa/soaedit.php can help if you format for printing then copy and pase onto this thread. People maybe better able to give more advice with more info.

J

Better_Off_1983

Have you not even paid for your general outgoings in post #3??

showery2002

Yes I have the money for general outgoings but no money left for food n stuff so just don't know what to do ! Don't get paid again until 18th jan gonna be a long month

valk_scot

Anything you can sell? Take some of the Christmas presents (if you've bought for other folk) back? Find a temporary bar job or something over the Christmas season? You're really only looking at £100-£150 max to tide you over as a single person for food and general expenses I would think, as long as you don't go out socialising or buying in the sales.

Takeaway_Addict

https://www.gamblersanonymous.org.uk

https://www.gamblock.com