u/light0777

Hello! Good evening.

I want you to ask yourself.

Do you really want to change?

Do you really want to quit now?

If you're 100% sure now and committed ka na talaga na magbago. Then please don't disappoint yourself this time.

Make an ultimatum kung wala pang nakakaaalam ng pagsusugal mo. Tell yourself, "Kung magrerelapse ako ulit. Sasabihan ko yung isa sa malapit sa buhay ko about sa problem ko sa sugal"

Sounds easy right? I've been there for several times.

Ilang beses ko na niloko sarili ko. Na sabi ko habang tumataya ako and chasing my losses, last bet ko na to. Pag eto nanalo, stop na ko. Ok na ko kahit magkano man.

Pag nanalo, isa pa. Pag natalo isa pa ulit.

I remember nung nagrelapse ako dati sa birthday ng pamangkin ko, panalo ako that day na naubos lang ulit. Di ko magawang maenjoy yung celebration, pilit yung ngiti ko, nagiisip na naman na talo na naman ako. Dagdag na naman utang ko. Walanghiyang buhay to.

Sabi ko sa sarili ko, "Tandaan mo tong araw na to. Birthday ng pamangkin mo, pero nagpadala ka sa sugal. Make her a symbol of your sobriety na on the same day, titigil ka na sa sugal and icocorrect mo mistakes mo"

I also gave an ultimatum that day na kapag nagsugal ako ulit, aamin na ko sa Mom ko.

What happened next? December came, week ng christmas and new year, 2 months after ko sinabi sa sarili ko yun.

Sabi ko, "last ko na to, sabi ko naman gusto ko by 2026 titigil na ko sa sugal"

Then eto na naman April. I relapsed big time. Di ako nagkautang ng malaki sa sugal this time pero i lost the opportunity na maging debt free kasi naging greedy ako.

And when I summed up all my utang?

It's too huge now! Eto na yung consequence ng pagutang ko for my luho, to treat my family, tapal system, at sugal. All in all.

Now... After 4 years of my life. Meron na kong clarity talaga na hindi kona mababawi yung pera na nasayang ko sa sugal. And the time it took! 4 years! 4 effin years, na nalulong ako.

Sayang. Kung inipon ko lang sana.

Sayang kung tumigil ako agad sana di ko na naexperience to. Sayang, kung inayos ko nalang sana yung utang ko bago pa lumaki.

Sayang, kung wala siguro akong credit card baka wala akong utang ngayon.

Sayang, kung marunong ako magtabi ng winnings at nacocontrol ko, sana oks pa ako now.

But... I know for a fact na, kahit manalo ako now? I'll end up losing it in the future. So why waste time to something na uncertain?

So I told my bestfriend about it. And now, I'm crying most of the time because of the guilt towards my family na kung hindi ko lang nakilala yung sugal, siguro mas okay kami now.

And yes. I'm telling all of this for you to join me in the journey of not disappointing yourself anymore. Please, let this be the last time na aasa ka pa sa sugal (if you're still relapsing).

Tigil na. Be open-minded na hanggat baliko padin ang pamumuno ng pinas, may makikita at makikita ka pading Ads sa TV at social media about sa sugal. Just keep in mind na hindi na para sayo ang sugal. Bahala na kung sino man ang gustong sumunod sa steps natin, pero tama na. Tigil na tayo.

Just know na He will provide. Na baka kaya natin to nararanasan para maging mature na tayo sa paghandle ng pera.

TLDR: I'm still days bet-free and I'm on my rewiring journey. Ilang beses ko na dinisappoint yung sarili ko by telling myself na titigil na ko, pero bumabalik padin, nagrerelapse padin. I think I already experienced most of the things in gambling. Big win, lost it all, Big win can't withdraw kaya naubos. Chasing losses. Angry betting. Nawala na yung value ng money, and nalubog sa utang.

Now I want you to join me in the journey of not disappointing yourself anymore.

Hello everyone! I would like to seek your help on how to be debt-free by 2027 hopefully.

I was once a gambler. Now, rebranding myself as a non-gambler. I want to rewire my brain now at the same time with the goal of being debt free soon.

I miss getting my paycheck in full.

I thought I only have 600k+ worth of debts. But tonight, I totalled it up to seek for your advice. Apparently I have 900k+ debt now.

I'm earning 100k net - 30k napupunta sa house expenses. 5k i think napupunta sa expenses pag nagooffice.

May sideline pero it's a variable income.

Here are all my outstanding loans:

BPI 170000 - 63k due, unbilled pa yung iba.

security bank 30000

BDO 64000

Metrobank 63000

Chinabank 1 - 105000

Chinabank 2 - nasa 200k na ata to. Maxed out. Tinatawag ko for installment

RCBC - 115000 - unbilled pa yung iba, pero eto yung total i think. Nirequest ko na din for affordable installment plan.

Lazada 28500

GLoan - 88000

Please. If you can give me some advice on how to repay this faster.

I'm planning to pay atleast the minimum dun sa mga hindi ko mapapainstallment. Ayaw ko kasi magkaroon na maclose mga credit cards ko and worst credit score since I'm planning for a house loan in 2027 or 2028.

Thank you.

Days palang ako na bet-free pero ang laki padin ng debts ko. Siguro nasa 500k+ l

Most of it sa credit card, pinapainstallment ko na yung highest amount tas yung isa ko pang card. Sana maapprove.

Hopefully makapagbawas bawas ng malaki sa utang sa succeeding months.

Anyway, sobrang overwhelming sakin ng situation ko ngayon given na 4 years na kong nagsusugal, 3 months sober na sana ako since december pero nag slip netong April. I got a big win, pero naubos lang din.

Naaawa ako sa mom ko given na wala akong ipon. Lahat napupunta sa utang.

Yung debts ko, most of it since last year pa. Nagcarry over lang ng nagcarry over.

Ilang days na kong konti lang yung oras na naitutulog. Bumabawi lang ng tulog kapag work from home.

I'm working from home right now. Got overwhelmed ulit sa situation ko for next month's dues.

I chatted my bestfriend. Told him about my problem. Na 4 years na kong lulong.

I told him, na last resort ko yung masabi to sa isang tao sa buhay ko.

And this time, I'm sure mas malaki na yung chance ko talikuran tong sugal na to. I said chance since alam nanan natin na One day at a time, tatalikuran natin yung sugal.

Pero this time, I'll be transparent with him na talaga and dont want to end up over and over again in this overwhelming situation.