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  • FEEL SO ILL

    For people making and maintaining change in their gambling. Connect, ask questions, offer advice, and share your story in here. If you are new to the site drop in and say hello!
    Izzi
    Senior Member
    Posts: 163
    Joined: Fri Feb 19, 2016 10:33 pm

    FEEL SO ILL

    Tue Apr 12, 2016 11:49 am

    I literally feel so ill to my stomach as I write this, currently at work but I can't function. I am at my wits end, I can't believe I let it get this far, didn't put up many barriers and let myself continue because I thought I would win something. This cg binge that has been going on for over a month and has completely ruined my finances! I was recently made part time as well and that did not help with the triggers, was just so desperate to win a little more so I could financially survive. I got paid yesterday and lost it all, I have a loan payment tomorrow due and I will be in arrears of $750. My rent is due as well and I do not have a cent to pay that. I am in way over my head, cashless and I just feel so ill. Today I called to see if I can get help with a financial counsellor and in the mean time freaking out on how I will keep the banks at bay when I owe the money.

    I go back to Melbourne in 2 weeks (something I cam so pleased about!). And I start uni in 3 months and now I have screwed everything up. I am covered in debt with no cash to my name. I feel so out of control and sick. Their is no one here I can speak to because I do not trust the people I am currently living with. If you can find my other chat (down below) you can read the latest. They have been quite horrible to me and I do not trust them.
    WHAT DO I DO? NEED ADVICE!
    0 x
    Debra
    Senior Member
    Posts: 129
    Joined: Fri Feb 26, 2016 10:50 am

    Re: FEEL SO ILL

    Tue Apr 12, 2016 2:43 pm

    I'm so sorry izzi, that's too much to deal with. I know what you mean about gambling to win a little bit to get through. I used to do that every pay day.
    definitely try and speak to a counsellor.
    Hopefully they can help. Maybe call the loan people and see if you can hold off on the repayment?
    0 x
    ang
    Senior Member
    Posts: 206
    Joined: Thu Feb 11, 2016 8:28 pm

    Re: FEEL SO ILL

    Tue Apr 12, 2016 4:33 pm

    hi izzi, so sorry to hear how you are doing at the moment,, i know to well about trying to win money to pay bills that i have extended and it never works and like you i end up more behind than ever,, the financial counsellor will be a big help once they can work out a payment plan and budget so that you can afford repayments,bills so that you dont have to gamble to pay them..can you try and negotiate with your work to get just a few more hours,,hope everything turns around for the better for you soon..x
    0 x
    pamela
    Senior Member
    Posts: 1921
    Joined: Sun Jun 29, 2014 9:38 pm

    Re: FEEL SO ILL

    Wed Apr 13, 2016 7:40 am

    Hi Izzi..one thing at least things cant get worse..the financial advisor will be able to help negotiate payments for you and will act on your behalf..we can never win when we gamble and we all try and chase that win but never get it..start again and say no to gambling
    0 x
    Izzi
    Senior Member
    Posts: 163
    Joined: Fri Feb 19, 2016 10:33 pm

    Re: FEEL SO ILL

    Wed Apr 13, 2016 11:41 am

    Hi everyone, yesterday was such a bad day. I had to apply for some cash advance loans just to have money which I know is really bad. I know seeing the counsellor will assist me with payment plans etc.......... I got offered a job which starts in two weeks I will be moving back home. I can't see the financial counsellor at the moment until I move back. This role to begin with is a few more hours as my current job, which will really help me.
    I am feeling positive as of tomorrow I will have the house for a few days. Apart from the mother in law (not my mil) popping over just to be a pain, pretending she has things to clean but just honestly watching me.

    I WILL NOT GAMBLE - I CHOOSE TO REMAIN CLEAN!
    0 x
    ang
    Senior Member
    Posts: 206
    Joined: Thu Feb 11, 2016 8:28 pm

    Re: FEEL SO ILL

    Wed Apr 13, 2016 6:18 pm

    hi izzi, just keep taking one day at a time and lets all keep saying no to gambling its only bringing us heartache and misery in the long run.....
    0 x
    pamela
    Senior Member
    Posts: 1921
    Joined: Sun Jun 29, 2014 9:38 pm

    Re: FEEL SO ILL

    Thu Apr 14, 2016 9:26 am

    Hi Izzi..take one day at a time.good things are on the horizon so focus on the positives and stay strong
    0 x
    Izzi
    Senior Member
    Posts: 163
    Joined: Fri Feb 19, 2016 10:33 pm

    Re: FEEL SO ILL

    Mon Apr 18, 2016 11:44 am

    Hi Everyone,

    Can you believe AFTER what I wrote on my post on Wednesday that on Thursday I was back at it again with cg. I met up with someone for coffee and was very close to a pokies place and thought hmmm I will just spend $100 if I win then yay for me! after spending all the cash advances $ I then dived into my personal loan and used all that and LOST IT! It was like a 8 hour cg saga, I was besides myself and as soon as I left my mum called up saying she needs some money next week to help out with bills. That was the LAST THING I needed to hear. I can't say no to my mum.
    I didn't sleep well that night. And on Friday I was besides myself aimlessly trying to find another cash advance place silly enough to give me $ as I already have 3 or 4 cash advances. I ended up finding 2 places that said yes. I used that money to pay back the majority of what I used for the loan and just have enough to survive until next pay. I calculated my cash advance expenses are over $1000, which is a couple hundred over my actual income next week. I called the loan place to get them to give me some time to make payments and now I have to contact the cash advance places. I feel bad actually cause obviously I applied knowing I couldn't pay back the full payment needed next week. I hope some of them say yes because right now next week I will be -500. And I do not want to start my new job stressed out and unable to concentrate.

    I leave back to my home state on Sunday, lots of packing and finalising to do at my current job. I hope that things get better and I enjoy my new job. I will see how I go the first couple of weeks back home and then decide whether to call a financial counsellor or not. I think with my job the first couple of weeks are actually full time hours and that should help me. I also hope my current job pays me my annual leave hours. I do not want to be in horrendous debt once uni starts in 3 months otherwise I know it will be too much stress for me. It is a little too much for me to figure out right now, my plan was to work casually and be on centrelink while at uni. But, I was lucky enough to find this job that is a minimum of 20 hours a week, which means I can't get centrelink, which means I can't get the govt supplement study loan of $1000. I was counting on that money to be able to buy books for uni as they are expensive, looking at like $500 a semester. I have no idea how I can save and pay all these people back in three months. Maybe I will send to see that counsellor after all.

    If anyone has advice on how to deal with these cash advances places that would be great. I basically just need an extension of time on payments, so for example instead of paying $200 next week, I want to pay $100 which obviously means it will take longer in the long run to pay off but I do not care. I just want to keep my head above water for now.

    Today is DAY 4! I will not go back down that ugly path it is way too much for anyone to handle.
    0 x
    ang
    Senior Member
    Posts: 206
    Joined: Thu Feb 11, 2016 8:28 pm

    Re: FEEL SO ILL

    Mon Apr 18, 2016 5:53 pm

    hi izzi, maybe still see the financial counsellor as they are really good at setting a budget that you can pay your debt off with the money that you earn so that you dont think the only way is to try and win the money to pay back loans, bills ,rent,,,,for a long time that is what i was doing and we all know on here that you can not always think that we will win,, actually it never really happens because most of the time you end up losing double or triple what you started with.....im not sure about the payday loans as they were the one thing i never tried to get as i had so much creditcard debt that i thought they would have never given me one but im sure they are like any other bank as long as you are willing to make some sort of payment they will negotiate....goodluck with it all... :)
    0 x
    pamela
    Senior Member
    Posts: 1921
    Joined: Sun Jun 29, 2014 9:38 pm

    Re: FEEL SO ILL

    Mon Apr 18, 2016 7:53 pm

    You need to speak to a financial advisor now..you are getting deeper and deeper into trouble and you need to nip it in the bud..you need to focus and stay strong
    0 x

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