Category: gambling addiction

  • Telling to My Fiancé

    Telling to My Fiancé

    My life was amazing. I was working as a chef where the income wasn’t that good, but l managed to make savings and afford almost everything I wanted. I am ambitious and have always wanted to achieve a lot in my personal and professional life. If I had opportunity to study or take extra courses, I took it.

    I had a beautiful fiancé, very independent, highly educated, with a successful career. We were tougher for almost 4 years. Every possible moment we tried to spend together. I couldn’t be more thankful for such a supportive and loving partner, that I truly wanted to spend the rest of my life with.

    We had so many dreams and great plans together. One of them was our own little family. After two years of trying to have a baby, we decided to go for an IVF treatment. Around that time I became a compulsive gambler. All my mood swings she understood as coping with negative pregnancy results that we were facing every month. She never pushed me and tried to understand why I was so down, because she assumed I needed space, as she needed it too. Coping with infertility and negative pregnancy results was extremely hard, especially for her. For me, it was just a continuation of my sorrows that no one knew anything about.

    She didn’t know I owed to the banks more than 40 thousand euros and this pressure was killing me. Although she is such a loving and supportive person, I couldn’t tell her the truth. I was so ashamed and I didn’t want to break the image of a strong, supportive partner that she had of me. I was sure she would leave me, if she knew how weak I was. None of us wants to be seen as weak and we are all used to pretend and keeping our heads high in every difficult situation, even when all we really want is to shout or cry… How well suited are Queen’s lyrics here: “Oh yes, I’m the great pretender, pretending that I’m doing well…”

    I knew the lie was going to destroy her, that all she thought she knew so well will be gone. Trust she had in me will be gone.

    I was looking forward to having a family with my beautiful partner, secretly hoping that when we have a baby, I will stop gambling. I was afraid that we may find ourselves stretched financially, paying for the high cost of IVF treatment with a somewhat limited probability of success, so I started gambling even more, to earn back all I had lost.

    Our IVF was getting closer and she was so exited. Hearing from the doctor that we have to be in a good place emotionally and have our relationship on solid ground before starting an IVF cycle, hit me badly. I wanted to kill myself. I was constantly telling to myself that I can’t I ruin my fiancé’s and unborn baby’s life like this, but at the same time, I was so afraid of her reaction and was sure that it will be end of our relationship. I didn’t want to loose her and all we had. The shame was unbearable. How should I tell her that I have a debt in 7 different banks, that I won’t be able to pay for any scheduled treatment nor anything for the baby next who-knows-how-many years? How should I even start the story? How do you open up and admit the addiction? When would be the best time to tell her?

    Finally, two days before the treatment, I managed tell her. It was on Monday, while she was still at work. The previous day we had a fight, because she was asking me how come the second month in a row I cannot pay my share of the rent, when I have a full-time job. I texted her apologizing for the fight. She still couldn’t understand why I don’t have money out of the sudden and asked me out of the blue if I was gambling. I used the opportunity and told her the truth partially. I admitted that my credit card was maxed out. She just texted me back that we will talk more when she gets back home. I wasn’t man enough to tell her about 50 thousand euros what I owed to different banks. 

    I still remember the look on her face when she arrived home. She was crying, telling me that she was holding back the tears the whole day at work. She was completely broken, and to my surprise, she wasn’t screaming. Instead, she was very supportive and warm. She was hugging me constantly, asking why I didn’t tell her earlier, cause she could maybe help me and we would go trough any shit together. We both were crying a lot that and following few days.

    The very same night she couldn’t sleep, and had woken me up, asking if my credit card was the only debt I had. I couldn’t lie to her anymore, and I told her everything. We spent the entire night talking about how my gambling addiction started and how I ended up taking loans. She remained extremely calm, even though her world collapsed. All her dreams were gone. Baby what we were wishing for such a long time was gone. A man who she thought she knew so well was gone.

    Telling her everything was the best decision I had ever made. No more lies, no more hiding. All the “cards” were opened. Even now when I’m writing this, I feel so sorry for lying to her all these years. I was too afraid and ashamed to reveal the truth, to see her disappointment. I’m such a coward!

    It was much easier to breathe, now that she knew. The pressure I felt and self-blaming were not as hard as before. Finally, the lie was off from my shoulders. Both of us were heart broken. I felt naked and as if I was starting my life anew.

    I can’t imagine the pain she was going through. She didn’t know any gambler and this addiction was something she knew nothing about. Therefore, she started doing the research to learn as much as possible, before making any decision about our future. She was sharing her findings, trying to educate myself too, She found all support groups and made me see a therapist.

    However, after a few days, she cancelled the IVF treatment and had asked to move out, so that she has more space to think. I was very thankful for her, for the love she gave me and all the support. At the same time, I am honestly very glad I didn’t ruin her life completely by having a baby with a gambler.

    Advice for fellow gamblers

    Speak up and admit you have the problem right now! Don’t wait until it’s too late! Go!

    Your family needs to know, cause they don’t deserve to live in a lie. They are planning their lives based on a lie and they didn’t deserve it. Let them know, so that they can plan their lives based on a truth.

    We can never know how someone will react and that is the scariest part. Maybe you will be surprised, as I was. Maybe your partner won’t be screaming, as mine didn’t, or maybe they will and that is ok too. It’s is because they are hurt greatly and you can stand it. Be there for your family and answer to all their questions. Help them understand what your addiction is.

    No more lies! Communicate with your dear partner and tell them all about what you’re going through. That is the only way that will take us far.

    We can do this! 

    Useful link

  • Becoming a Gambler

    Becoming a Gambler

    Did you know that Tesla and Dostoyevsky were also gambling addicts? Tesla lost his tuition money, had a nervous breakdown and dropped out of school. Dostoyevsky’s “Gambler” is semi-autobiographical.*
    Learning that such great minds had the same problem as me was somewhat comforting, it made me stop questioning my intelligence and made me realize it is a disease that I need to fight.

    Occasional bets on English Premiere league started 2017, when I would visit Casino with my friends. In the beginning, I would never spend more than €20 per month. I didn’t see this as a problem, because it was really just for fun. Everything changed when I discovered online Casinos 2018. 

    As I mentioned in the previous post, I am a huge football fan and I am following results religiously. All the websites, that I visit to check the latest scores, have flashy banners advertising betting with free money that you can use for the first bet. Those websites are flooded with odds for the upcoming matches everywhere. I noticed those banners, but have never really paid attention, nor I considered betting, as I saw them as scams. However, one day at work, I’ve heard a few colleagues talking about online betting and how they won. Knowing that the colleagues I respected are betting online, probably gave me subconsciously a green light to try my luck too. I had nothing to lose, I was thinking, because I started with a free bet from the flashy banner. I don’t even remember if I won. I just remember how convenient it was. I didn’t have to dress up, go to Casino nor talk to others – I could play from my own sofa. 

    Without me noticing, after 3 months, my bets got bigger. I was putting about €200 for a single bet. I started becoming addicted to the adrenalin rush I was having whenever I would place a bet. What I was doing was wrong, I knew, but I couldn’t stop anymore.

    Without the doubt, the worst supporter of the growing addiction was my credit card with a possibility of €4600 overdraft. I often wonder if I would mess up my life this much if I didn’t have a credit card. Would I find another way to become a problem gambler? Did the credit card speed up inevitable or none of this would happen if I didn’t have it?

    Using credit card was too easy. It didn’t feel like it was real money. Before I knew it, my credit card was maxed out. As interest was so big, I thought it’s better to take a loan from another bank, because of the smaller interest. The panic I felt, because of the minus, was gone. I felt great and I decided to quit gambling. However, after a week, I was back to my old habits.

    As my addiction was growing, so did the bets. I remember, once I was in the toilet watching a football match (around six months into online betting). Since I was soo sure about the result, I bet €1300. I lost. The panic started kicking in and I had to get my money back. I made another bet for €1000 euros right away. My heart was pounding and I was sweating like crazy while waiting for the results. I lost again. Coming out of the toilet was heartbreaking. I lost €2300 in 20 minutes. I couldn’t believe what happened. I lost my monthly salary and my credit card was getting empty again. 

    No one knew about my gambling addiction. No one knew I was taking loans. My fiancé and I never joined bank accounts, so there was no way for her to find out. Deep inside I knew I had a problem, but I didn’t want to admit it to myself. I was so sure big winnings were around the corner, that I could beat the system and that the next time luck will be on my side.

    In the next post, you can read how my addiction grew together with my dept.  

    *Resoruces: “Nikola Tesla, My Inventions: The Autobiography of Nikola Tesla”
    https://www.cambridge.org/core/journals/advances-in-psychiatric-treatment/article/from-the-gambler-within-dostoyevskys-the-gambler/D7ACB14B9EAD00EB8EF65512C28EADAA/core-reader

  • Neck Deep in Debt

    Neck Deep in Debt

    According to National Council on Problem Gambling the average gambler may have personal debts up to $90,000. I owe to banks €50 000, but their high interest rates and charges are likely to make the situation worse.

    Taking loans online is extremely easy, at least in Finland. If you provided the bank with a pay slip, it takes ca.10 minutes to get one. I was still working as a head chef full time, so at least I had my pay slips. In two years of active gambling, I took seven bank loans. The interest rates were high, but that was the only quick solution I could think of to pay my credit card and bills. Instead of stopping once the bills were paid, I would spend remaining money on gambling. It was a vicious circle and I got hooked. I could’t and didn’t know how to stop.

    The tension I felt every day was horrible. I was constantly thinking and calculating which loan to repay first. Since I was panicking so much and wanted to get my money back, I started making bets in every possible sport I could think of, even some tennis and rugby games I never watched before. I was making bets for all the leagues from Australia, Japan, Brazil… You name it, I was betting all of them. I even placed a bet for Eurovision song contest. 

    Worst of all, I completely lost the value for money. A bit over a year into betting, it took me one week to spend the loan of €4000, but later I was spending €3000 a day. I was constantly jumping from one betting site to another, checking who will give me better odds. On the rare occasions, when I didn’t have anything to bet on, I felt empty and bored.

    The greater the embarrassment and guilt because of betting were, the stronger defense mechanisms I developed. What an amazing liar I became. In a split second I could come up with a lie. My fiancé started noticing my mood changes and depression. She asked me countless times why I am getting angry so easily and why I am checking my phone constantly. I gave her lousy excuses that she didn’t believe in. She actually taught it was my way of escaping the disappointment we both felt because we couldn’t get pregnant for a few years. 

    The last summer, my fiancé went to visit her family without me, for two weeks. I thought I would feel free, because she wasn’t at home and I would have more time to gamble. Instead, I felt trapped and became so depressed, that I couldn’t get out of bed. I had no idea how to return the debt. Those two weeks were the loneliest in my life.

    At some point I remember calling her admitting I couldn’t get out of bed, without disclosing the real reason. I never had a courage to tell her the truth, because of the great fear of being judged and dumped. I was sure I’m strong enough to get through this by myself. 

    She was so worried that she convinced me to see a psychologist. I agreed, because the doctor was provided for free through the health insurance from my work. The doctor was an older man that asked me if I was still betting. I told him I stopped. The same evening I lost €700. I never visited him again, but the positive outcome of that meeting was the explanation I got about Finnish financial support systems that I will talk more about in one of the next posts.

    Not just that I became a liar, but I started hiding everything around our house that could make my fiancé suspicious. For example, I was rushing home every day, so that she wouldn’t see our mail and all the bills I was getting from seven different banks. 

    Finally, I spent all the loans, while bills were piling up. I couldn’t pay my share of the rent and I had no idea what to do. I tried to take more loans countless times, but all the banks rejected me, since I didn’t repay previous loans. I started asking at work if I could get my salary in advance, thinking that I can double it with the next bet. If I had some real estate, I would have sold it.

    The first time I couldn’t pay the rent, my fiancé realized something went terribly wrong. She started asking me questions and wanted to see my bank statement. I managed to come up with lies that calmed her down. I even showed her fake bank account statement. She believed me and it made me feel so much worse, because she didn’t deserve any of this. I didn’t want to lose her by telling her the truth, and I was worried our days together are numbered. That month, she payed our common bills.

    Even at times when I didn’t have money to pay the bills, I couldn’t stop thinking about gambling. When I would get a salary, I would spend it online, hoping that the next win is around the corner. I was still sure I can beat the system and win all my money back.

    The next month was the same – I couldn’t pay my share of the rent. However, this time my fiancé  was absolutely sure I was hiding something, so she started pressuring me to reveal the truth. Finally, she pushed me so much and I told her everything.

    Solutions Available for Gambling Debts


    In the next post you can read about how my fiancé reacted and how nothing was as I anticipated.

    3  ways to getout of gambling debt.


    Disclaimer:
    I’m writing this from my own experience. I’m not a doctor or financial advisor. All the advices I will write are the ones I wish I got before it was too late. 


    Don’t use credit cards!

    I truly hope that many countries will follow UK’s example. As of 14th of April 2020, they put a ban on credit card usage for online gambling.

    Tell someone about your problem!

    What we have is a serious illness that is impacting not only our lives in ever possible way, but also lives of our loved ones. The sooner you tell them, the sooner everyone will be able to move forward and make the best decisions for themselves.

    Seek financial assistance!

    I contacted free debt counseling service providers to discuss my situation. With their help, I learned about the best solutions to move forward.

    Don’t be hard on yourself! It’s not about what we lost, it’s all about the next right move. We can do this and we can all beat this addiction that is ruining our lives!

    Advice for families and friends

    If you are suspicious and think your loved one has financial problems, he or she most likely has. If you notice change in the behavior, don’t assume what the reasons are, but ask questions instead. Ask until you know the truth. 

    If you find out that your loved one is a compulsive gambler, it will probably completely change the perception of your past, present and future. All the plans you had might vanish. You will loose trust. However, please always remember one thing:

    He or she is a gambler, but s/he is still the same person you love dearly, with all the same fears, hopes and qualities. You got to know another side that you didn’t know existed and that side will need your help. S/he is equally lost and scared as you are.

    Gambling addiction is a curable disease that only with a help of professionals can be overcome. It is not your responsibility to cure them, but the most important thing you can do is to guide your dear person and help her or him to see the advantages of the therapy and psychologists.

    Take just one step at a time and don’t forget to take very good care of yourself.

  • My Life Before a Gambling Addiction

    My Life Before a Gambling Addiction

    I was born in Estonia, in the beginning of ‘80s. I really want to skip the part where we were living in soviet times, when there were no possibilities to travel abroad or to buy groceries without a coupon. My childhood was happy, especially because we didn’t have mobile phones or computers. Life was somehow easier compare to nowadays, where access to bank loans and betting are just a click away. It seems to me, in that sense, you had less chances to ruin your life.

    At school, I was terribly bored. I wasn’t the best student and was sometimes receiving remarks from teachers about being late and not paying enough attention in classes. My favorite hobbies were playing basketball and football, fishing and cooking. Actually, for as long as I can remember I loved cooking, so it was clear for me that I wanted to be a chef when I grow up. Therefore, I finished cooking college and became a chef.

    Moving to Ireland 

    As you will see, I was making quite a few questionable decisions in my life. The first one, that will change the course of my life forever, was when I decided to live and work as a chef in Ireland when I was 19 years old and didn’t speak a word of English. Here is why I decided to make such a radical move.

    I have to thank my parents for giving me so much freedom (maybe sometimes too much) when I was in my teenage years. Being on my own, without much control from parents, was becoming a problem, because I started hanging out with the wrong crowd. All of my friends where drinking a lot. Being young, inexperienced, with a need to fit in, I didn’t want to say no to temptations. After many hangover mornings and some visits to police stations, I realized that I have to get out of that circle. 

    Being desperate for a change, I took a risk and applied for a job in Ireland through one agency in Tallinn, where both the accommodation and job were provided. I don’t know how, but I got accepted barely knowing a word of English. Maybe they thought chefs don’t talk to customers? I was so nervous for going there, but at the same time excited because of the fresh start. I was hoping that being fluent in Estonian, Russian and German will be enough to get me started, together with €100 my pocket. 


    Going to Ireland, was the first time I was leaving the country, first time at the airport and the first ride on the plane. I remember sitting at airport in Tallinn, thinking “what am I doing now, is this really happening?“, hoping that I’m going to be fine and that I made a good decision. It’s amazing how some thoughts stay with us forever.

    From the moment the plane landed, I fell in love with Ireland, especially Dublin. Everything was so green and people were warm and positive. I thought this city could become my home and it did, for the next seven years.


    The first disappointment came a few days after I landed, when I realized that the Estonian agency put me to work in “Abrakebabra”, a fast food restaurant. I was promised to work for a fancy restaurant, because I finished culinary college and got a degree. I couldn’t change the job, because my residence permit was connected to it. I lived in a house together with six other people who were in the same situation. At least I got my own room and I quickly adapted to this arrangement.

    The Irish pub culture surprised me. It was very popular for all the workers to go after work for a pint…every day. After a while, I got used to this too, as well as to partying hard.

    It was quite easy for me to make new friends, also because of my love to both watching and playing football. I’ve been Manchester United supporter all my life.

    A memory, that taught me to be extra careful with the expression of my passion, was when one day, wearing proudly my clubs red t-shirt, I walked into the local pub I didn’t visit before. Suddenly, like in a movies, the place went quiet. Everybody was staring at me and I wasn’t sure what was going on. While ordering a pint I noticed that this was Liverpool supporters’ pub. Next thing I remember, was me running out as fast as I could. Luckily, nothing bad happened.

    In Ireland I made my first bet. A few of my friends and I were in a pub when someone noticed horse race on a screen. We all decided to try our luck and make a bet. I didn’t know anything about betting, not even terms like “odds” or “even money”. Standing there, in front of the bookie, listening how he passionately tried to explain the ways we can spend our money, I thought I have nothing to lose. He said that we can still win, even tho the horse we put a bet on lost. The next thing I remember was that I had 50 euros in my hand which I put on the horse called “Russian Roulette” (10 to 1 where odds for that horse). 5 minutes later, I was standing with 500 euros in my hand. “Easy money”, I was thinking, but I didn’t have an urge to gamble again. That was the first and last time I gambled in Ireland. The urge didn’t come in Australia either, where I moved next.

    Moving To Australia

    Even though life in Ireland was nice, with secured job and good friends, it wasn’t enough and I needed a change. I was getting sick of the rainy whether and short summers. I needed some warmer climate and was sure that “grass was greener” elsewhere. Luckily, my best friend thought exactly the same and liked adventures as much as I did, so we decided to go together to Darwin, Australia next. We flew there with only a luggage, fishing rod and €1000 of savings, hoping we will find a job straight away.

     
    I could write countless pages about my experiences in Australia. For instance, job hunting, working for prestige restaurants, spending time with aboriginal community, going to work in the meat factory and getting arrested, traveling to Bali and Philippines, living in a truck and tents with my best friend for a few months, working on a boat for a multi-millionaire, being offered a modeling job from respected scout that I rejected, having a car accident… but I will leave them for some other posts, because now I just want to give you a brief overview of how I was living my life before it became “possessed” by gambling.

    After three years, our visa expired and we had to decide where to go next. My plan was to move closer to my home country and start to think seriously about my future. I was 30 years old.

    Moving To Finland

    I decided to go to Finland, because I had better chances to make savings than in Estonia, and at the same time, I would be able to visit my family more frequently, which I was missing.

    It was hard to start again from scratch, the third time in 10 years. I barely knew Finnish, just had some basic knowledge from the Elementary school, had no savings, job, friends, and I was pissed, cause I actually never wanted to leave Australia.

    First few months in Helsinki, I was very insecure. I doubted my skills as a chef, so I started my career in Finland as a dishwasher. It was easier. I didn’t have to stress or think much about it, but I was in the kitchen and could see how different it is compared to what I was used to. After 3 months, I grew stronger, gained confidence, and started to work again as a chef. My biggest achievement, was that I managed to finish the prestige culinary college in Helsinki and became officially a head chef. 


    Compared to crazy days in Australia, my life in Finland became quite opposite. It was way calmer, maybe even boring. I was doing lots of sports, rediscovered my love for hiking, fishing and camping. 

    Finnish and Estonian cultures are similar, but being abroad for so many years, I forgot how cold we can be. It is harder to approach people and make friends. It took me some time before I managed to make few friends.

    I wasn’t happy. I was putting myself under a lot of pressure, because I didn’t have any savings or girlfriend. I did have countless experiences, but they couldn’t get me a car or house that I started dreaming of.


    After working hard for a few years I finally managed to make savings. I could finally afford to buy a car, Volvo C30, and I think I was the proudest owner. Four years after moving to Finland, I met beautiful Serbian girl, who stayed and worked in Helsinki, after her Master studies. Three years later, I proposed to her and she said “Yes!”. We wanted to expand our family and equally wanted a baby. Life was amazing again, at least I thought.


    In the next blog post, I will tell you how I started to gamble and when I realized I have an addiction.