New Years Resolutions

Anything goes in The Snug, the GD's rebellious little brother. An off-topic den of iniquity for non-football/news related musings.

Moderators: bristolhammerfc, sicknote, -DL-, Rio, Gnome, chalks, the pink palermo

Re: New Years Resolutions

Postby r99c on Wed Jan 09, 2019 2:52 pm

matthewbd wrote:I need to get a grip of my debt problem this year.

Just under £25k on cards with a lot of promotional 0% interests ending soon so payments are going to rocket.

Tried a debt consolidation load but no joy.

Looking in to DMP but worried about the impact of this. Any one done one of these?

All stemmed from a gambling addiction I've recently got a handle on. Can't believe I've been so ****ing stupid.

These things are a pain in the arse. Luckily with mine I only went as far as bank loans (can apply online in 3 minutes, using the option ''reconsolidate debt at this bank''). Anyway, came clean to parents and they paid those off (about 8 grand) so I won't have any pressure if I get made redundant/need money for other things etc.

Only fellow gambling addicts can understand the issue though mate, you need to take it day by day and don't be lulled into a false sense of security that you have beat it.

As for me, I've decided to cut out casino games now. My problem financially completely stemmed from roulette. I'm actually a profitable poker player and enjoy reading horse racing form etc and have always been sensible on that too. Attempts to completely cut out gambling in my life in the past have failed when I went ages without a single bet but then had a big blowout. My resolution now is to track everything and keep it sensible only making sensible sports bets and playing an odd bit of poker when possible (not online, live only) - I feel like by doing this sensibly I'll be in a much better position and won't get a random compulsion to play roulette than if I just try cutting it out completely again.

Some people may feel like that's a cop-out but I think I'll liken it to a 40 a day cigarette smoker converting to vaping.

Other than that, some other resolutions are to not stir a cup of coffee so many times ( :lol: ), cut out unnecessary alcohol drinking at home, do more cardio exercise (I lift enough but this fat needs to go), and start looking for a new job once I receive a nice bit of backdated pay in my current role (should hopefully be end of Feb payday).
User avatar
r99c
 
Posts: 1505
Joined: Sat Aug 23, 2014 2:58 pm

Re: New Years Resolutions

Postby Samba on Thu Jan 10, 2019 2:24 am

r99c wrote:Some people may feel like that's a cop-out but I think I'll liken it to a 40 a day cigarette smoker converting to vaping.

Nothing's a cop-out if it works for you, mate. :thup:
User avatar
Samba
 
Posts: 4045
Joined: Mon Apr 03, 2017 3:36 pm
Location: Playing Humm Bug & trying to hum, 'Ballroom Blitz'...

Re: New Years Resolutions

Postby DasNutNock on Thu Jan 10, 2019 11:01 am

Former (recovering) gambling addicts with financial problems could do well to try and commit the same energy and maths skills (which you'd have to assume have been accrued through gambling) to managing their debt.

Challenge yourself to find the most elegant, economically astute solution to your problem that you can possibly find. Work hard on the maths to make sure you're aware of every penny coming in & out, build spreadsheets on the different terms being offered by different banks, credit cards & consolidation loans, that kind of thing. It might not give you the same dopamine hit as gambling, but it ought to appeal to the bit of your brain that likes processing numbers, and will give you back FAR more than betting ever could. And I'd bet the long term satisfaction of knowing you've absolutely maximised your path to financial stability and taken complete control of the situation will feel better than any short term hit from winning a game of cards or whatever.
User avatar
DasNutNock
 
Posts: 10137
Joined: Sat Sep 17, 2016 4:41 pm
Location: R Tape loading error, 0:1

Re: New Years Resolutions

Postby sendô on Thu Jan 10, 2019 11:08 am

I was absolutely gagging for a pint yesterday, but somehow resisted. I think I was simply too knackered to go into a pub. Clearing my fridge of beer at home was a very smart move.

DasNutNock wrote:Former (recovering) gambling addicts with financial problems could do well to try and commit the same energy and maths skills (which you'd have to assume have been accrued through gambling) to managing their debt.


I'd wager that the fact they've accrued huge debts is testament to their maths skills not being as good as they could be?
User avatar
sendô
 
Posts: 27466
Joined: Thu Nov 10, 2005 1:41 pm
Location: in the pessimistically optimistic camp.

Re: New Years Resolutions

Postby DasNutNock on Thu Jan 10, 2019 11:17 am

sendô wrote:I'd wager that the fact they've accrued huge debts is testament to their maths skills not being as good as they could be?


Calculating risk & reward doesn't guarantee success.
User avatar
DasNutNock
 
Posts: 10137
Joined: Sat Sep 17, 2016 4:41 pm
Location: R Tape loading error, 0:1

Re: New Years Resolutions

Postby sendô on Thu Jan 10, 2019 11:24 am

I don't think they generally calculate risk and reward, do they? I'm no expert, but the people I've seen with gambling issues never seem to follow a logic.

The amount of mates I've seen win the jackpot in a fruit machine, and then put it all back in again, even though the machine clearly states the average payout percentage is 71%...
User avatar
sendô
 
Posts: 27466
Joined: Thu Nov 10, 2005 1:41 pm
Location: in the pessimistically optimistic camp.

Re: New Years Resolutions

Postby S-H on Thu Jan 10, 2019 11:25 am

sendô wrote: the people I've seen with gambling issues never seem to follow a logic.


This
User avatar
S-H
 
Posts: 10044
Joined: Tue Jul 06, 2010 7:05 am
Location: "But I work harder than just about anyone I know"

Re: New Years Resolutions

Postby warp on Thu Jan 10, 2019 1:36 pm

r99c wrote:Other than that, some other resolutions are to not stir a cup of coffee so many times ( :lol: )

you'd better, you bloody entropy generator!
User avatar
warp
 
Posts: 13219
Joined: Fri Jul 30, 2010 11:13 am
Location: I am everything about this site which is wrong... i don't give a toss about WHUFC.

Re: New Years Resolutions

Postby Samba on Thu Jan 10, 2019 5:56 pm

sendô wrote:I was absolutely gagging for a pint yesterday, but somehow resisted. I think I was simply too knackered to go into a pub. Clearing my fridge of beer at home was a very smart move.

1,000,000%
If there's junk to eat, in the house, I will stuff my face.
If there isn't, I don't.
User avatar
Samba
 
Posts: 4045
Joined: Mon Apr 03, 2017 3:36 pm
Location: Playing Humm Bug & trying to hum, 'Ballroom Blitz'...

Re: New Years Resolutions

Postby Toulouse_Iron on Fri Jan 11, 2019 12:29 pm

Day 11 off the booze and all is well. Don't miss it, which is a relief and the reason why I gave it go (to see if I'd miss it).
User avatar
Toulouse_Iron
The boy's got form
 
Posts: 6601
Joined: Fri Jan 24, 2003 2:07 pm
Location: A lie gets halfway around the world before the truth can get its pants on

Re: New Years Resolutions

Postby S-H on Fri Jan 11, 2019 12:36 pm

Toulouse_Iron wrote:Day 11 off the booze and all is well. Don't miss it, which is a relief and the reason why I gave it go (to see if I'd miss it).



I don't miss it, but I really fancy a nice cold beer!
User avatar
S-H
 
Posts: 10044
Joined: Tue Jul 06, 2010 7:05 am
Location: "But I work harder than just about anyone I know"

Re: New Years Resolutions

Postby sendô on Fri Jan 11, 2019 2:00 pm

Day 11 for me too, but yes I would very much like a nice cold one. Determined to get to the end of the month though. I'll be up early tomorrow and taking the boy out to play football for the first time, which helps with the "not popping to the pub after work" motivation.
User avatar
sendô
 
Posts: 27466
Joined: Thu Nov 10, 2005 1:41 pm
Location: in the pessimistically optimistic camp.

Re: New Years Resolutions

Postby DasNutNock on Fri Jan 11, 2019 2:10 pm

Still off the snouts. Badly want one now, though, because some of my counterparts in India & Australia are being their usual f*cking cretinous selves, and I can feel my stress levels climbing rapidly...
User avatar
DasNutNock
 
Posts: 10137
Joined: Sat Sep 17, 2016 4:41 pm
Location: R Tape loading error, 0:1

Re: New Years Resolutions

Postby Monkeybubbles on Fri Jan 11, 2019 2:23 pm

I haven't punched any grannies in the tits yet.
User avatar
Monkeybubbles
 
Posts: 5356
Joined: Sun Feb 02, 2014 12:00 pm
Location: Rumble, Brighton, Tonight.

Re: New Years Resolutions

Postby warp on Fri Jan 11, 2019 3:12 pm

DasNutNock wrote:Still off the snouts. Badly want one now, though, because some of my counterparts in India & Australia are being their usual f*cking cretinous selves, and I can feel my stress levels climbing rapidly...

get some weed and eat it. or make bhang.
User avatar
warp
 
Posts: 13219
Joined: Fri Jul 30, 2010 11:13 am
Location: I am everything about this site which is wrong... i don't give a toss about WHUFC.

Re: New Years Resolutions

Postby DasNutNock on Fri Jan 11, 2019 3:21 pm

warp wrote:get some weed and eat it. or make bhang.


Sadly, I'm even worse with weed, hence why I stopped buying it 10 years ago. Booze, I can take or leave. If there's weed about, I'll smoke it (then be restless & paranoid).
User avatar
DasNutNock
 
Posts: 10137
Joined: Sat Sep 17, 2016 4:41 pm
Location: R Tape loading error, 0:1

Re: New Years Resolutions

Postby Smonnie on Fri Jan 11, 2019 3:57 pm

It was day 11 for me today.

I'm off for the weekend for my birthday somewhere and will be drinking, so very much enjoyed three pints at lunch!
User avatar
Smonnie
 
Posts: 1895
Joined: Mon Jan 24, 2011 3:35 pm
Location: East Midlands

Re: New Years Resolutions

Postby matthewbd on Fri Jan 11, 2019 4:18 pm

DasNutNock wrote:Former (recovering) gambling addicts with financial problems could do well to try and commit the same energy and maths skills (which you'd have to assume have been accrued through gambling) to managing their debt.

Challenge yourself to find the most elegant, economically astute solution to your problem that you can possibly find. Work hard on the maths to make sure you're aware of every penny coming in & out, build spreadsheets on the different terms being offered by different banks, credit cards & consolidation loans, that kind of thing. It might not give you the same dopamine hit as gambling, but it ought to appeal to the bit of your brain that likes processing numbers, and will give you back FAR more than betting ever could. And I'd bet the long term satisfaction of knowing you've absolutely maximised your path to financial stability and taken complete control of the situation will feel better than any short term hit from winning a game of cards or whatever.


Appreciate the sentiment but it was slot machines that did it for me so no real thought process of math skill! However, I do love a spreadsheet and formula and so have already got everything on there.

With my DMP I'll actually see a real difference in the total owed going down as (hopefully!) my creditors will all agree to freeze the interest for 12 months or so meaning I can actually start getting on top of the problem.
User avatar
matthewbd
 
Posts: 92
Joined: Wed Sep 13, 2017 1:22 pm
Location: Farnborough, Hampshire

Re: New Years Resolutions

Postby S-H on Sat Jan 12, 2019 2:53 pm

Out for 12.

Poor form.

So weak willed.
User avatar
S-H
 
Posts: 10044
Joined: Tue Jul 06, 2010 7:05 am
Location: "But I work harder than just about anyone I know"

Re: New Years Resolutions

Postby sendô on Sun Jan 13, 2019 12:04 am

Still going strong, although if people at work had gone for a pint last night I'd probably have caved. Should be me good for another week...
User avatar
sendô
 
Posts: 27466
Joined: Thu Nov 10, 2005 1:41 pm
Location: in the pessimistically optimistic camp.

PreviousNext

Return to The Snug

Who is online

Users browsing this forum: Hammer Matty, simonpaulthomas and 4 guests