Need advice ! Thought I was on the right track
I’ll give you a little back story to this post so you can understand the situation I’m in.
I have a decent job that pays approx 110k a year.. I have a house and I’m a single dad
I have custody of my child (young age )
I got myself into some big gambling debt. Got addicted to high limit blackjack and then spiraled once I got into baccarat.
I lost all of my life savings and tapped out every credit card and took a home equity line of credit out and maxed it.
I owe about 100k (not including original mortgage )
I make just enough money each month to raise my child and pay my bills. I have 0 savings and 0 ability to save due to the bills / interest amount
I can’t file for bankruptcy because the debt is on a home equity line of credit and not traditional credit cards.
I been chopping away at the debt slowly….and today I had the day off and my child was at school…I’ve been self excluded from local casino along with online gambling sites (banned myself )
A friend of mine told me about a casino that is 2 hours away…,it’s been in my mind ever since they asked me to go 2 weeks ago. Today I had the day off and drove there…took all my monthly bill money and lost approx 3k of the bill money.
Obviously everything is going to be late this month and hit my credit….now I’m worried because it’s been so long since I gambled, now I relapsed and have nothing to gamble with again but the scary part is…what if I’m “good” for 6 months. 9 months. 6 years. 20 years….all it takes is 1 day 1 trigger to ruin months of even years of progress.
This is a horrible addiction. I literally was so proud of myself for doing great, now I’m in the deep dark hole again wondering how I’ll scrape up money to get by until the next pay day.
I need advice. This shit is hard !