Stupid Boy
Registered User
- Messages
- 43
Age: 23
Spouse’s/Partner's age: 27
Annual gross income ; 36k
Annual gross income spouse: 28k
Type of employment: Both PAYE Private sector
Expenditure pattern: In general are you spending more than you earn or are you saving? No
Rough estimate of value of home ; currently renting for 425 pcm
Other borrowings – 6,500 personal AIB loan at 10.5%
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 3000 on Bank of Ireland cc and 4500 on Virgin Credit Card
Savings and investments: €300 current account
Pension scheme? Company Pension €100/Month
Do you own any investment or other property? N/A
Ages of children: N/A
Life insurance: N/A
What specific question do you have or what issues are of concern to you? I really don't know where to start, I have in theory the perfect life, a recent graduate with a strong job, an amazing girlfriend, world my oyster etc but behind it all I have a serious gambling problem, this has been going on since i was 18, winning thousands then losing twice as much, approx a year ago i lost 2000 in one day and told my girlfriend, she almost ended the relationship and only took me back because i vowed never to gamble again... but low and behold after clearing all my debt i started again... now have outstanding debts of 12,000!
my loan with the aib is over 3 years at a payback of 300 odd per month, the 3000 with bank of ireland is balance transfer for 13 months at 0% and the 4500 is just been maxed out in the past few days so something will need to be done on it ASAP!
I really am at my wits end... i have been reading many threads on here and thought that it would never happen to me, as I write this i am actually crying because my girlfriend wants to now buy a house as the next step in our relationship, i want it to happen but the situation I am in is going to put me over the edge, we should have a deposit of 20,000 between us if i tell her our relationship is over, no doubt about that, she couldnt take finding out something like this... telling her actually makes me feel sick to my stomach !!
Im not even sure what to do, i know people will say to tell her but i just cant risk losing her... god knows what i would do!
i am now thinking of consolidating all this debt into one monthly repayment but i just cant think where to go... i am stressed out, severe headaches, cant think straight...
I know i have gone off on a tangent but i really just dont know where or who to turn to!
Spouse’s/Partner's age: 27
Annual gross income ; 36k
Annual gross income spouse: 28k
Type of employment: Both PAYE Private sector
Expenditure pattern: In general are you spending more than you earn or are you saving? No
Rough estimate of value of home ; currently renting for 425 pcm
Other borrowings – 6,500 personal AIB loan at 10.5%
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 3000 on Bank of Ireland cc and 4500 on Virgin Credit Card
Savings and investments: €300 current account
Pension scheme? Company Pension €100/Month
Do you own any investment or other property? N/A
Ages of children: N/A
Life insurance: N/A
What specific question do you have or what issues are of concern to you? I really don't know where to start, I have in theory the perfect life, a recent graduate with a strong job, an amazing girlfriend, world my oyster etc but behind it all I have a serious gambling problem, this has been going on since i was 18, winning thousands then losing twice as much, approx a year ago i lost 2000 in one day and told my girlfriend, she almost ended the relationship and only took me back because i vowed never to gamble again... but low and behold after clearing all my debt i started again... now have outstanding debts of 12,000!
my loan with the aib is over 3 years at a payback of 300 odd per month, the 3000 with bank of ireland is balance transfer for 13 months at 0% and the 4500 is just been maxed out in the past few days so something will need to be done on it ASAP!
I really am at my wits end... i have been reading many threads on here and thought that it would never happen to me, as I write this i am actually crying because my girlfriend wants to now buy a house as the next step in our relationship, i want it to happen but the situation I am in is going to put me over the edge, we should have a deposit of 20,000 between us if i tell her our relationship is over, no doubt about that, she couldnt take finding out something like this... telling her actually makes me feel sick to my stomach !!
Im not even sure what to do, i know people will say to tell her but i just cant risk losing her... god knows what i would do!
i am now thinking of consolidating all this debt into one monthly repayment but i just cant think where to go... i am stressed out, severe headaches, cant think straight...
I know i have gone off on a tangent but i really just dont know where or who to turn to!