[imran_d]

Hi Charles I answered 11 yes’s. guess that makes me a compulsive gambler but this time around when I say I’m not gambling I utterly mean it from the bottom of my heart and this is not because I’m choosing to it’s because I literally cannot afford to anymore (as mentioned above) – guys I need help with this sick feeling and stress I have. I had roughly the same amount of money before I gambled it all away but only reason I have the same amount again is because my wife took a loan out and I got approved on 2 credit cards (0% money transfers) – this made my balance to what it was. That’s why now what I earn all goes out to pay these debts, mortgage and bills. My wife currently doesn’t work but is seeking to work maybe it’ll help once she finds a job. But this feeling I have not sure if it’s because I’ve lost a lot of money or because I’m worried how I’ll survive.

[imran_d]

Hi guys thanks a lot for replying. I know I will not gamble now knowing that I’ve got roughly £25000-£26000 to make do for 3 years maybe 3.5 years. I would’ve easily applied for a IVA or a DMP if it wasn’t for my fixed rate mortgage. I think I probably will survive and if I’m coming to the end of my teacher with funds I will have to spill all to my mum (rather than my wife) and make sure it stays between me and my mother and maybe she can help, but right now I wouldn’t want to stress her. Regarding gambling I will not gamble because I know if I lose (which I probably will) I won’t survive at all and out of the best my wife has took a £10k loan for me (this includes in the £26k) but I’ve said mortgage and bills and loans take my wages so we have £26k to survive for 3 years. We are not big time spenders anyway and according to her she’s cool with it and said plenty but to me im stressing and feel really sick to the stomach I’m not sure if this is because I’ve lost a lot of money or I’m genuinely worried about survival – I was also contemplating maybe after 2/3 years when most of the debt is paid maybe I could apply for additional borrowing? I’m not too worried about borrowing if I can afford it which right. Ow I can but don’t have the surplus if you like. I’m so confused as to why I’m stressing maybe because I’ve lost the money or. It sure if it’s because I won’t survive? This is driving me nuts.

[imran_d]

Hi i-did-it, I have a fixed rate mortgage coming to a end in around 3/3.5 years roughly same time as most of my debts end. So the last thing I want to do is to have a DMP or IVA. Like I mentioned I have approx £26,000 savings which I will never touch for gambling, but in your guys opinions would this be enough for me to survive 3 years? I really don’t want to damage my credit rating as wh remortgage time comes I’ll be doomed. I haven’t gambled today but I’m now constantly worried how I will make this work. Any advice would be appreciate thanks

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