• karen45 posted an update in the group Group logo of CommunityCommunity 2 weeks, 1 day ago

    Hi Everyone. I’ve just joined. I went to the pokies last night and lost $1000 – I went a few weeks ago and lost much more than that. I’ve got to quit this habit. I can’t afford it. My credit cards are jacked up so high I can barely make the minimum payment each month. The minimum payment barely covers the interest. It is going to take me forever to get out of debt (that’s assuming that I can). The money is only one part of it. I feel so depressed after I lose. I feel terrible. I go through it all the time and yet I still find an excuse or reason why it is acceptable to go. Saturdays are the worst. I can stay away from them during the week as I work but on Saturday afternoon it becomes like an obsession – I’ve got to go to the club. Please help me 🙁

    • I am in the same situation. My bills are pretty high right now. I actually got approved for another credit card and I messed up and gambled with that one. I did manage to do a balance transfer from another card that I have a $2800 balance on. I transferred $2100 and now owe $700 on one card, and $3500 on the other one. Now I am not sure how I will make the payments, which will be due in January. No payment is due till then. I also took a lousy loan for another $1000. The only thing I can think of is working another job for a couple of months and hope I can get ahead. I thought I had this gambling beat, because when it first became a problem I went to the casino in Bensalem called parx. I got myself on the exclusion list, and was banned from every casino in the U.S. and some oversea ones. Then the state approved an expansion and the slots ended up going into stores like gas stations and cigarette outlets. I am told they are not legal by the state representative. I told him everything that happened. How I became addicted and he said I should contact the Bensalem Police Dept. Because any slot outside of the casino is illegal. I never heard back from them. It took me years to beat drinking, now I am hopeful I can beat this but I am in a very bad financial situation. Luckily I have a decent job and a side job that I get paid under the table for. SO I can make my rent. I work roughly 25 hours a week between both jobs. So I think I will get another side job.

      • forgot to mention the balance transfer rate was very reasonable. I managed to get 14 months without interest. So I do have some time. I hope at most I only have to work another job for two months or so. I hope to get an under the table job. I usually don’t do that but I do have one job that pays me under the table.

        • Thanks Tomv for the reply – yes I’ve been doing the balance transfer thing for a while now – it’s been the only thing that has saved my financial situation. I can’t believe it that I actually contemplated going back today to try and win some of my money back. Fortunately, I’d already read a few posts from this site and realised that it was a dumb idea and decided not to go. I’m so pleased I did. I have thought about the exclusion list but I’m too embarrassed to do it – which is really dumb and not helping me at all …..

          • tomv replied 2 weeks ago

            I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was having a medical issue. They wanted more information. I emailed them and told them it was none of their business. Then I received a rude email back. I am not going to default on that loan. Believe me I should. I should have never been approved for that loan. I did declare bankruptcy about 15 years ago. I am tempted to do that again. Just tell all of these credit cards and the loan company to go F themselves. LOL

          • tomv replied 2 weeks ago

            I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was having a medical issue. They wanted more information. I emailed them and told them it was none of their business. Then I received a rude email back. I am not going to default on that loan. Believe me I should. I should have never been approved for that loan. I did declare bankruptcy about 15 years ago. I am tempted to do that again. Just tell all of these credit cards and the loan company to go F themselves. LOL

          • tomv replied 2 weeks ago

            I got a credit card offer today, for another balance transfer. I had to stop myself from applying. It may come to that in the coming months. I want to pay as much as possible. I have two cards that I have to pay off. The thing that bothers me is I took a loan and now I am stuck with it. I contacted the loan company and told them I was having a medical issue. They wanted more information. I emailed them and told them it was none of their business. Then I received a rude email back. I am not going to default on that loan. Believe me I should. I should have never been approved for that loan. I did declare bankruptcy about 15 years ago. I am tempted to do that again. Just tell all of these credit cards and the loan company to go F themselves. LOL

            • I have no more cards to balance transfers to and from. No more offers. Been just approved for a huge interest car title loan. I need it to pay a co worker for a loan and overdrafts and December expenses etc. I’m doomed. Been in this situation before, Wondering why I did not learn my lesson.

    • Our stories are all so similar. We are addicted to the dopamine rush of gambling. After several days without gambling you will go through something.. after several weeks you will go through another wave of urges. We need to remember to stay vigilant and notice how life gets better every day we dont gamble. The urges pass. Wait 15 minutes, put your mind on something besides gambling. Excersize and love are two things that give us dopamine.