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Redemption - The journey of a recovering gambling addict.
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Excellent work! I'm sure I read somewhere that having too low utilisation of credit cards is a bad thing, I think there's a sweet spot of having some credit, and not using too much of it but not having too much available.
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Busy busy times.Back at work no real updates, no gambling.Spent £7 on lunches for the week at work. Rice / Chicken / Veg. Shouldn’t need to spend any more money for this week.Thank you everyone for checking in.Gambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - June 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £1000
Barclaycard CC 0% £12,567 - £7800
10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.2 -
No news is good news in debt-free diary land.Save £12k in 2025 #33 £2531.77/£5000 (If this carries on I might have to up my target!)
April take lunch to work goal - 3 of 120 -
No gambling is a good update!1
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Interesting to see if/how closing these cards has an impact on your Credit Score, LG, as I'm in a similar position to you. I like keeping the old cards active 'just in case', but I'd probably trade that for a 50+ increase on my credit score...Lonelygambler said:Update
3 Separate Amex Closed and an old Halifax card.Will leave it a while now before closing any more cards.
Are you a member of the free MSE Credit Club here, where you can see your estimated Credit Score?
Mine is a lowly 648 (Poor) at the moment
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Well. What a week. Phew. I am exhausted!No spend all week and I have lined up a £550 additional payment to my debts.£50 cash for the weekend.More importantly 6 weeks without a gamble! Woohoo!Gambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - June 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £1000
Barclaycard CC 0% £12,567 - £7800
10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.5 -
Hurrah on the six weeks, you must be pleased with that.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Yes, I am expecting it to come down and the. I don’t mind. I don’t think it matters and I only really need one or two credit cards!OldTimer2023 said:
Interesting to see if/how closing these cards has an impact on your Credit Score, LG, as I'm in a similar position to you. I like keeping the old cards active 'just in case', but I'd probably trade that for a 50+ increase on my credit score...Lonelygambler said:Update
3 Separate Amex Closed and an old Halifax card.Will leave it a while now before closing any more cards.
Are you a member of the free MSE Credit Club here, where you can see your estimated Credit Score?
Mine is a lowly 648 (Poor) at the momentGambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - June 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £1000
Barclaycard CC 0% £12,567 - £7800
10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.0 -
6 weeks is amazing...I am aiming to get down to one credit card just for emergencies and booking the odd holiday.
Cash is king in my books and we will be sorry if we don't keep utilising it.#4 DFBXMAS24 - £2,322.85/£5,000
NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
SPC #44
Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar1 -
Having credit available is a good way of protecting yourself. However you need to be disciplined and careful with how you use them.Some of my accounts are from my early 20’s and I have been offered big credit limits!!Yes 6 weeks without gambling, so that’s good I guess.Gambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - June 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £1000
Barclaycard CC 0% £12,567 - £7800
10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.3
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