I've just spent thr last 5 minutes writing a post for me to post halfway through then lose it. And then again so I hope this one pops up lol!
My names carmen , I'm 25 years old & after years of back and forth relapsing I've taken that one step further today after a horrific loss. Why does it always take for all our money to go for us to realise that enough is enough. I've gambled away bill, food money, birthday Xmas money and you'd think that having a child would be my anchor but I've realised this isn't a game for me anymore this is a real life struggle. Only way I will stop is if I choose to help myself and stop relying on people to help my fallback or blame other people for triggering me ect. I'm such a smart person and yet do stupid things . Anyway, there's that.. finally put a gamware onto my devices and got in touch with my bank, my money will no longer be going to me for a few months until I can get my bills and life under control. I'm grateful my mum is being supportive through this. I still haven't told her I've relapsed again today but hopefully after next month things will start moving forward.
My question to you guys who have regained control, how did you address to everybody the reason you couldn't pay bills or why you need to make a payment plan to help settle debts ect ?
Thanks !
I'm new but have dents through cars holidays. over £17000.
I pay a dmp debt management plan with stepchange .the last 3 months I had to pay much less hundred quid instead of 5 times that.
because I overspent my budget via gambling.i told stepchange and had a car repair.
creditors getting less for three months.
anyway it's unsecured debts.they can do damage.they defaulted.so no worries.
priority debts are paid on time.remt gas council tax.non priority debts via stepchange but this month I blew it and had to sell things.
I sold things before.cars dvds jewellery etc for priority debts .consumer debts eg loans credit cards aren't important.you need to know that.the creditors can wait.they take anything over a long period of time and they are happy.
If you tell them the truth, your addiction will no longer be a secret. That might help, because then there is some accountability. Though it might hurt you if people use it to belittle you. Maybe chose wisely but not everyone needs to hear the struggle that kept you down. Sometimes it's just "hard times" poor choices etc... hopefully that helps
We are available 24 hours a day, every day of the year. You can also contact us for free on 0808 80 20 133. If you would like to find out more about the service before you start, including information on confidentiality, please click below. Call recordings and chat transcripts are saved for 28 days for quality assurance.
