Day#10,
yes, I have relapsed 10 days ago, anyhow I am in a better situation mentally now.
I have a question and I would like to hear what you guys think about it.
I am thinking to destroy my Credit score by not paying off the credit card to reach a situation where I have a “write off” note in my credit report this will prevent me from taking loans or credits for 2 years after this note.
the positive part will be that it will prevent me from borrowing more and losing large sums of money to gambling. and for the next 2 years what I will be doing is only paying debts without the possibility to revolve the debt or borrowing more, so by then, a total of 80% of my debt will be paid,
since the payment is high what will remain to me after all my current monthly expenses will be small so the negative part of this step is I have to delay many things that I need to do like getting married..etc
the 2nd option is to keep my credit score and pay the debt slowly by revolving part of it and paying my debt over a longer period the risk here is in each time I revolve part of the debt I will have the risk of losing that money to gambling again. but the positive side is I can live normally achieving some life goals that I need to achieve “urgently”.
so what do you think?