Addiction and loans: how not to fall into a debt hole

1. Danger of gambling debts

Rising rates due to loans. By borrowing money, players are trying to "recoup," which only aggravates the situation: interest and liabilities are growing.
Loss of control. A dependent person does not stop in front of debts - microloans, overdrafts, credit cards become easy access to new rates.
Spiral of debt. Each new loan only increases the load: rising interest and fines lead to a technically impossible refund.

2. Signs of a move into the debt trap

1. Using credit cards for deposits. Even partial loan payments go to new rates.
2. Regular loans from friends and relatives. Embarrassment, avoiding direct answers about the amount of debt.
3. Ignore G/L account payments. Housing and communal services, rent, telephone go to pay off debts to the casino.
4. Constant calls and SMS from collectors or banks. Dissatisfaction, stress and fear over unsecured debt.

3. How to avoid debt obligations

1. Hard allocation of the "game" budget

Use only available funds that are not for mandatory spending.
Create a separate card or account with a pre-credited amount and do not replenish it again.

2. Ban on borrowing

Never take out loans, overdrafts or expensive microloans for bets.
Remove credit cards from your casino profile and keep them separate from your entertainment wallets.

3. Automatic financial barriers

Set daily/weekly limits at the bank for any game transactions.
Use the features of daily and weekly deposit limits in the casino itself.

4. Early Dependency Self-Diagnosis Tools

Diary of debts and bets. Record each loan, the amount of bets, the balance of debt and your emotional state.
The rule "More than three debts": if you applied for a loan more than three times a month - a signal to immediately stop the game.
Assessing attitudes towards money. If you feel guilt, fear or shame over debts, addiction develops.

5. Protection and support mechanisms

1. Self-exclusion and temporary locks

Activate "temporary self-exclusion" for 1-12 months in the operator's settings.
Use centralized Gamban or BetBlocker systems to block sites globally.

2. Asking for help

Gambling Help Online: 24-hour hotline 1800 858 858.
Free online chats and one-on-one consultations with an addictions psychologist.

3. Group programs and consultations

Gamblers Anonymous (GA) meetings in your area.
Lifeline, Beyond Blue psychological services to treat debt and anxiety.

6. Alternative coping strategies

Planning "paid" entertainment
If you love excitement, set aside the same amount for cinema tickets, a sports bar or board games - a positive experience without debt risks.
Replacement of loans by reserve fund
Save 5-10% of the game budget to the reserve fund: if you want to "catch up" losses, use only these savings, and not other people's money.

7. Conclusion

The debt hole and gambling addiction are the consequences of abandoning strict financial rules and timely support. Use a separate "slave" budget, prohibit borrowing yourself, activate self-exclusion in time and do not hesitate to seek professional help. This is the only way you will maintain financial stability and health, and excitement will remain safe entertainment.