Financial planning with regular play
Regular play requires not only discipline in betting, but also clear financial planning. Without a system, even the strongest bankroll will quickly run out. Below is an exhaustive algorithm for building and managing a budget.
1. Define total "gaming" budget
1. Percentage of income
Set a monthly limit not to exceed 5% of net income.
Example: income of 40,000 ₴ → "game" budget of 2,000 ₴.
2. Split bill
Open a prepaid card or a separate wallet only for the game.
If the funds are exhausted, access is closed until the next period.
3. Airbag
Set aside a reserve of 10% of the "game" budget in case of unforeseen expenses (technical failures, commissions).
2. Rational separation of funds
| Category | Share,% | Budgeted Amount 2,000 ₴ | Purpose |
|---|---|---|---|
| Main Game Sessions | 60 | 1,200 ₴ | Main Entertainment |
| Risk control (stop loss) | 20 | 400 ₴ | Additional "insurance" fund in case of losses |
| Analytics & Experiments | 10 | 200 ₴ | New Games, Strategies, Test Bets |
| Withdrawal reserve (teik profit) | 10 | 200 ₴ | Fixing winnings and transfer to a savings account |
3. Set rate limits and rules
1. Rule 1-2%
One rate should not exceed 1-2% of the current balance of the session.
With a balance of 1,200 ₴, the → rate is 12-24 ₴.
2. Stop loss and break profit
```
Stop loss = 30% of session budget → 360 ₴
Break profit = 20% of the session budget → 240 ₴
```
- When any level is reached, the session ends.
3. Time and stroke limit
Time: not more than 60 min.
Moves: No more than 25-30 bets per session.
4. Monitoring and reporting
1. Sessions Log
```
Date: 2025-08-10
Session #: 3
Starting balance: 1,200 ₴
Losses: 300 ₴
Win: 0 ₴
Ending balance: 900 ₴
Moves: 20
Time: 55 min
Conclusion: exceeded stop loss, the reason is haste
```
2. Weekly Summary
| Week | Spent | Won | Net Result | Met Limits (Yes/No) |
|---|---|---|---|---|
| 3-9 Aug | 2,000 ₴ | 500 ₴ | -1 500 ₴ | none |
3. Analysis of deviations
Why they exceeded stop loss: emotions, exceeding the rate.
Where you managed to leave with a profit: the choice of low-level games.
5. Control automation
1. Blocking replenishment
Setting up stop limits in the online bank: refusal when trying to replenish a game account in excess of 2,000 ₴ per month.
2. Extensions and Timers
StayFocusd/LeechBlock: limited access by time (60 min/day).
Mobile timer - session termination signal.
3. Notifications and integrations
Push messages: reaching 50%, 75%, 100% limits.
Synchronization with the budget application (CoinKeeper, Spendee) via the API.
6. Adjust strategy based on results
1. Redistribution of packages
If stop loss is regularly triggered → reduce the risk fund share from 20% to 15%.
If the "analytics" makes a profit → increase it to 15%.
2. Change in rates
With excessive volatility, you → go to 1% instead of 2%.
With a stable profit, the → can be safely raised to 3%.
3. Revisiting games and variance
Reduce highly dispersed machines, increase the share of video poker and blackjack.
7. Psychological resilience
1. Clear motivation
"I play for pleasure, not income."
Reminder before each session.
2. Reality check inside session
After every 10 bets - a short poll "Does the game meet my goals?"
3. Breathing method 4-7-8
If you want to "catch up" with losses - a pause, 4 seconds of inhalation, 7 seconds of delay, 8 seconds of exhalation.
8. Long-term goals and planning
1. Quarterly review
Comparison of the results of three months: net result, discipline, comfort of limits.
2. Installation of new KPIs
| Purpose | Value | Deadline |
|---|---|---|
| Net profit ≥ 0 | Yes/No | 3 months |
| Compliance | 90% sessions | 3 months |
3. Accumulation and withdrawal
Translating 50% of net income into long-term savings or investments.
The rest is an "entertainment fund" for the next period.
Result
Financial planning in regular play is a cyclical process:
- 1. A clear definition of the budget and its division.
- 2. Set adaptive rate and session limits.
- 3. Rigorous monitoring and reporting.
- 4. Automation of barriers and notifications.
- 5. Adjusting strategies based on real-world data.
- 6. Psychological preparation and long-term planning.
By following this technique, you minimize risks and turn gambling into controlled, safe entertainment.
