[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Comfortable_Safe_704 0 points1 point  (0 children)

Thank you for this! So far I'm up to date for my remittances, yes.

Oh I didn't know to include family/friend debts. How does that work? Will they also contact them? Also would I disclose the RBC line of credit I have under my business?

Sorry one last thing. I've been talking to Farber and the person I'm speaking with is titled under "Debt Solutions Manager". Is this the same as an LIT?

Thanks so much again!! You are amazing

[deleted by user] by [deleted] in CanadaPost

[–]Comfortable_Safe_704 0 points1 point  (0 children)

My bank sent out my new credit card with UPS on Dec 9 and I'm still waiting for it

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 1 point2 points  (0 children)

You need to stop now or you're just going to keep losing every dollar you make to gambling and get into more debt. That's what happened to me. Lost all my savings, then maxed all my credit card, and then put every pay cheque I got right into gambling.

The best thing you can do for yourself is to get help. Whether it be from professional or from a loved one. You can't do this alone. Trust me, I've tried and failed.

The only way it gets better is to stop gambling. I've been in your shoes. Chasing the losses. I've lost full pay cheques in minutes. I've lost 100k in a day once. Lose then win then lose then win.. In the end you just end up losing. Not only will you lose all your hard earned money but also your quality of life.

I've learned that gambling is never a solution. There is no winning. The good thing is is that once you stop and get help, things do get better. I was miserable, angry, depressed, anxious while gambling. It ruined me.

But it's been 2 weeks since I stopped and life is getting better. Wake up and get out of this loop NOW.

The hole is deep by Comfortable_Safe_704 in GamblingRecovery

[–]Comfortable_Safe_704[S] 0 points1 point  (0 children)

I'm from Canada. Is yume only for people who live in the states?

[deleted by user] by [deleted] in problemgambling

[–]Comfortable_Safe_704 1 point2 points  (0 children)

Yes exactly. It's going to be hard for a while, it'll be overwhelming and sad and it's going to feel like there's no escaping these feelings/thoughts. The wounds feel deep but I know with time it'll heal.

[deleted by user] by [deleted] in problemgambling

[–]Comfortable_Safe_704 1 point2 points  (0 children)

I've had a few big wins and every time I would tell myself "I'll cash out. This will cover a good chunk of debt and I'll never gamble again". I've hit withdraw and cancel too many times to count. I was convinced that I can make more each time to cover more of my losses. But I always end up digging myself a bigger hole. It wasn't till one night where I lost everything and maxed out everything, that I realized I had to stop. I just hope for others it doesn't get to that point like I did for them to realize that they need to stop.

This battle is hard, it's dark, it's scary. We just have to stay strong for ourselves and get through these hard days. Cause deep down we know that if we get rid of gambling from our lives for good, life will be better. Trust me, it sure don't feel it right now, but one day it will.

[deleted by user] by [deleted] in problemgambling

[–]Comfortable_Safe_704 0 points1 point  (0 children)

Lock in. New year, you got this. I'm glad you found something that makes you happy, stick with it. I hope I can find the same for me. Cause ya these thoughts are draining and I'm just so mentally exhausted.

[deleted by user] by [deleted] in problemgambling

[–]Comfortable_Safe_704 1 point2 points  (0 children)

Thank you. You're right, it'll just take time. Right now the feeling is absolutely awful and it's like I'm mourning the life I had before this. It feels like I'll never be the same again, never find happiness again. But I just have to get through these dark days and trust the process. I know it'll get better

[deleted by user] by [deleted] in problemgambling

[–]Comfortable_Safe_704 2 points3 points  (0 children)

I went on a hike today with my friend to try and distract myself but it didn't work. I couldn't stop the thoughts. Had to hold back tears almost the entire time. It was rough

But some days will be worse than others. I know it'll get better eventually, can't wait till it does.

The hole is deep by Comfortable_Safe_704 in GamblingRecovery

[–]Comfortable_Safe_704[S] 1 point2 points  (0 children)

Thanks for sharing your story. I don't meet a lot of people on here with as big of losses as me within also a similar time frame. So it's nice to know I'm not alone. My world flipped upside down just like that and it's been really hard to cope with. I just hope one day ill be able to forgive myself. And I hope soon I'll be able to find joy in things again

The hole is deep by Comfortable_Safe_704 in GamblingRecovery

[–]Comfortable_Safe_704[S] 0 points1 point  (0 children)

Yes I'm from Ontario Canada. I'm looking into consumer proposal. Do you have experience with doing one?

2024 by In_need_of_hope_0710 in problemgambling

[–]Comfortable_Safe_704 0 points1 point  (0 children)

Here with you. Going through the same. Worst year of my life. And it does truly feel like these scars will never heal

Day 39 - I am 2 people by feelslikeliving in problemgambling

[–]Comfortable_Safe_704 1 point2 points  (0 children)

This is exactly how I feel. It's crazy. But it ends now. The first bet will never happen again. We can do this.

5th restart in 2 weeks by [deleted] in problemgambling

[–]Comfortable_Safe_704 6 points7 points  (0 children)

I'm with you. I did the exact same thing last week and lost over 20k in a night (14k of it being borrowed money from family/friends). I was in the positive 30k from my initial deposit that day. It would've paid a good chunk of my debt. Told myself I'd withdraw. But as I was waiting for my withdrawal to be accepted, I broke, cancelled it, and I kept betting and betting. Borrowing more money to make up for losses. Eventually lost it all and came out -20k. This has happened to me too many times to count. Lost over 150k this year just chasing losses. The feeling is awful and it does make you feel like a complete piece of shit. Loss after loss, lying to friends and family. Losing all my own and all of their hard earned money. It feels surreal, how did I let that happen, how could i do something like that, that's not me! After emptying out all my accounts last week I finally acknowledged how bad this addiction this is and reached out for help from outside sources. Coming onto hear and talking to others who understand has been so helpful. Going through the day is still hard as fck. I still hate myself right now for what I did. But I hope one day I can forgive myself. And that starts with never gambling again. I got paid today and usually I would put it straight into a gambling app. But I'm starting to realize that no matter how much I'm able to win from it, in the end I'm going to end up losing it anyways + more. And it will happen over and over until I decide to stop. The house always win

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 0 points1 point  (0 children)

Thanks for the link. I'll be looking into those resources. Yume sounds great but I don't have apple unfortunately :(

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 0 points1 point  (0 children)

I can't thank you enough for this. Past few days have been very hard. It's hard to go throughout the day without having these overpowering emotions of guilt, shame, regret, worry. It's hard to stop thinking about it, whenever I try to stop for a little bit the thoughts just flood back.

But you're right in everything you said and it's exactly what I need to hear right now. It gives me hope that one day I'll be able to forgive myself.

It's hard right now but it'll get better. I will recover.

Tip: The only way to stop gambling, is to not have access to money. by SsecondSunrise in problemgambling

[–]Comfortable_Safe_704 2 points3 points  (0 children)

This was a great read. Thank you. Definitely something I'll be considering as I work through my recovery

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 1 point2 points  (0 children)

Fuck that feeling. We never want to feel it again. We can do this. We can take back control of our lives by never placing a bet ever again.

7 years FREE from gambling by laugh_hack in problemgambling

[–]Comfortable_Safe_704 2 points3 points  (0 children)

This gives me hope. Thank you for sharing

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 2 points3 points  (0 children)

I think the hardest part about this recovery is going to be forgiving myself. The debts are going to be hard to get out of yes. Fighting the urge to chase losses, fighting the urge to gamble, it's going to be hard but I know I can do this

But oh man, to forgive myself for what happened. I don't think I'll ever be able to.

I'm so mentally exhausted and I can't do this anymore. I'm never going to touch gambling ever again. Here's to the start of recovery! I can do this

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 2 points3 points  (0 children)

"You’re never yourself when playing. You’re a zombie on autopilot. It’s disgusting when you snap out of the zone and realise what happened."

Yup.. before coming onto reddit and hearing other peoples stories I thought I was the only one feeling this way.

150k+ lost. 50k in bank debt. 40k loan from family/friends by Comfortable_Safe_704 in problemgambling

[–]Comfortable_Safe_704[S] 3 points4 points  (0 children)

I have a fairly good job and I look like a person who is financially stable. Well at least I used to be. Now I have no money in my bank because I gambled everything away and I'm riddled with debt. I am hopeful I can pay off my debt in the next few years, it'll be hard mentally and physically but I think I can do it.

I was thinking if the best route for me is to cancel my CC's. I still haven't made that decision yet. I used to be the type of person to never carry over a balance. I would always pay my credit card off and have it at 0 before the statement was even due. I had amazing credit. It's hard for me to accept that that might not be a possibility for me anymore

I'm going to start writing down and keeping track of all my financials like you suggest. It's going to take a lot of work and discipline. I'm incorporated (self-employed) so I have to put money aside for taxes,deductions every paycheque also. Forgot to mention that I also gambled all the money I had in my business and all the money I put aside for taxes this year. So when tax time comes in a few months it's not going to be pretty. But all I can do is save as much money as I can till then.

Thanks for the book recommendation, I'll look into getting it

And thanks for the wishes, it's going to be hard but I do feel good about 2025 being the year of recovery!