Advice please asap

Thanks

Fair enough. Points all taken on board. I won't extend my loan. I'm not trying to come across as selfish and you're right people probably are in harder situations than me clearly. I wasn't trying to show disrespect in any way to anyone else. It was an idea that's all. I won't do this.

I agree with the others, I've done exactly that in the past, took out loans to pay of debts and taken more money then I needed so I had "savings" few months down the line I've blown the lot ended up in more debt then I started off with and back to square one. Everyone deserves a holiday but it's not a priority I've missed out on girls holidays the last 4 years because of my debt and gambiling problem, only now that I have control over my gambiling and finances am I able to afford and enjoy a well needed holiday this year.

The fact that you've actually come here to ask for advice shows that your gambiling is a problem and you should address that first before thinking about having extra money to do nice things with.

You have a few posts on the go so I'm just trying to put your story altogether, I'm only 2 years older then you and I was in the exact same situation had loads of debt lied to my family all the time I promised I had stopped but never did until now.

The best solution is to be honest with your family yes they are going to be upset, hurt and angry but it really is the best thing you can do especially while your young and it's easier for them to help you.

I know it seems a bit silly but have you thought about writing a letter? I did this as and then left the house for four days till I was ready to talk things over properly.

By being honest it really helped me and defiantly made it a lot harder for me to gamble, I also had my dad take over my online banking etc which helped a lot. I still don't have a lot of money and like you I wish I did have a bigger bank balance then I do, but I can tell you one thing I still have a lot more then I would have done if I was still gambiling.

good luck x

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Thanks for your responses I agree, it does start of small with the little football bets etc and does soon get out of hand. I've decided it'll against the idea now and I have all you lot to thank for that. Realistically I could make the money back in 2 months maybe 3 it's just my selfish stupidity I don't understand. Why do I only think about it in moments of regret? Never in the moment. I want to push clear from this, being young I want to nip it in the bud. I just find it hard that's all. Appreciate all the comments and look forward to replies. Cheers 🙂

Hi lifelesson, I done what you were considering, my girlfriend and I are saving for a house, she had 5K saved, I had 3K, I always gambled but always sortve managed to put away 300-500 a month and not dent it. In a stupid attempt to quickly catch her up and feel like the bread winner to get a house quicker I gambled heavy, a few months down the line she now has 7K and I had nothing. massive schoolboy error. So I took a 5K loan out to recover the savings pot. I now have to pay a huge amount of money to pay this off whilst trying to save. Not a good situation, technical I have zero saved as its all owed but physically I have 5k, I have to hope she doesn't push for a house anytime soon, best way is to stay loan free and gamble free, the money will build up quickly enough. The stress of it all is definitely not worth it, I'd give anything to be back on 3k and loan free

Hi Gerry!

It's hard and frustrating but try not dwell on it just move forward! I'm in a hell of alot of debt, me and my husband both earn a decent wage and when i think how much i've wasted instead of saved I feel sick! However I can't change it I can just make positive inroads to change my path and this evill addiction!

Much love and peace to you all 🙂