So I’m 39 days GF and I feel amazing. My girlfriend and I are expecting our first baby together so we are so excited. I’m saving so much more money to save up for a house. So I’ve been looking into mortgages. I applied to get an agreement in principle and the guy on the phone said my payday loan history will cause me issues getting a mortgage and I will need to wait the best part of a year or two till it won’t be seen as a problem. My girlfriend is due in December and I feel so stressed that I won’t be able to provide for us. I have a good job with a good wage each month but I feel like my past is coming to haunt me. I’m fully open to my parents and girlfriend about this but I’m worried that being young and dumb may have stopped my dreams in its track. Just wondering if you guys have any advice. This isn’t going to stop me and that I crack and fall back into gambling. It’s motivating me more to keep going strong. If anyone has any advice on what I can do that would be great.
thanks all the best
my only advice is to slow down. It's great that you're over a month off gambling but when you say your past is coming back to bite you it's barely a past, it's one month. One payday, maybe two. Try to put it into perspective.
If I use GA as I know that, they say give it ninety days before doing other stuff. Give your mind time to get out of the mess that gambling took you into. At the moment you're still dreaming of the perfect world for you, your partner and baby to be. That's great, but how about just proving that you can put gambling down for a sustained period of time.
As far as getting a mortgage is concerned, with a decent deposit the payday loans shouldn't be too much of a problem unless they are still outstanding or show as missed payments. If they are clear a decent mortgage broker will know where to place you.
The longer you stay off and save or clear debts then the better your credit score will become.
Just give it some time.
Thanks again Chris. Another message that has helped me out. Straight answer and not hiding the facts. I respect that these things take time and the biggest goal is to start getting the GF days up. I feel like I’ve found the motivation and will power to keep going. As you say only time will tell as I’ve been in similar positions before. Determined to do it this time however I’ll work hard at keep moving forward. Thanks again for your message mate.
I have been in the same situation a few years back. I was over 25k in debt and got to the point I was refused a basic cash card account. I now am debt free with a competitive morgate. It really is possible to achive providing you take your time and stay away. Its worth mentioning that I still have gambling erdges and somtimes find myself online chucking money away. I never looked for help before and struggled through on my own. My point is your goals are achiveable with time but sometimes even after years you still get the erdge. I have found simply reading stories and writing has helped me recently.
All the best to you and your family.
Hello - Very well done on being over a month gamble free. This thread has put my mind at ease a little bit. I'm 21 years old and I'm currently in just over ten thousand pounds worth of debt which can be cleared in just under 2 years. I find myself thinking a lot about how this is going to effect me when I want to move out in 2/3 years, and sometimes worry about it. Will I get rejected everything I go for, etc. It's nice to know that I'm not the only one and that there are people to talk to in similar scenarios. Keep fighting, focus on the now. Best of luck!