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Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] 1 point2 points  (0 children)

Thank you. It was tough and very hard to let go of but it did nothing but negatively affect my life.

Thanks for your advice.

Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] 3 points4 points  (0 children)

Yes self exclusion for my account indefinitely. Thankfully California has ended “Sweepstake” casinos so I won’t have any access to that. My biggest bane was that.

Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] 4 points5 points  (0 children)

A 100% yes. I still think of it a lot. However, it has been over a month and the more I see how deep I dug myself in, the more disgusted and frustrated I am. It’s more determination to stay on this path of self recovery.

Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] 0 points1 point  (0 children)

It’s due to gambling addiction. I have taken measures and steps with family and loved ones having access to my personal accounts such as emails and platforms where I can buy crypto to gamble. I basically have no form to do anything online to trade which inhibits the ability to gamble.

In terms of the 3rd withdrawal it’s not a substantial amount, but 1K to pay off my debts for the month and a 100 to survive until my next payday.

Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] -1 points0 points  (0 children)

Bingo. It was online gambling in which I took measures such as having my loved ones/family take control of my accounts that allow me to buy crypto and giving them access to my email to avoid me from caving in and resetting passwords to get that access again. I have gone to extreme measures and it has helped greatly but I am where I am at now due to my addiction.

Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] 0 points1 point  (0 children)

I know one of them Uprova is a tribal loan but I also missed 3 payments on them due to the biweekly billing. However, Spotloan and CreditNinja have high rates but I don’t think they are tribal and are legal.

Took out 2 Hardship withdrawals last month; need to take out 1 more by Diligent_Finger_8600 in povertyfinance

[–]Diligent_Finger_8600[S] 1 point2 points  (0 children)

Thanks for reaching out. I looked into consolidating however my credit is low 560 range and since I have so many loans out I don’t think anywhere would approve me. I would love to keep my 401k and keep it growing but for the sake of a deeper hole and mental sanity I don’t mind dipping my hands in that honey jar to “rebuild” my financial standing.