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Published: Wednesday, 16 April 2014 by
Anyone who gets caught up in the downward spiral of problem gambling finds only too soon that the negative impact on his or her life can be devastating. Finding money to gamble is usually the most immediate and obvious issue which brings with it enough problems, but in addition an all consuming compulsion to gamble at any cost leads to difficulties which affect employment, quality of life, family relationships and mental and physical health.
Does Gambling Affect Mortgage Application Uk
And of course, problem gambling doesn't just affect the individual. It's estimated that for every problem gambler at least 10 other family members, friends and colleagues are also directly affected.The negative impact on wider society is only just beginning to be recognised and an analysis of those problem gamblers in the Gordon Moody Association residential treatment programme during 2012 and 2013 gives the following insights:
Financial cost
![Does gambling affect mortgage application uk Does gambling affect mortgage application uk](https://blog.bankofireland.com/app/uploads/2020/02/Shane-Smaller.png)
![Calculator Calculator](https://www.gamcare.org.uk/app/uploads/2020/11/Talk-Money-Week-LinkedIn-post-English-Welsh.jpg)
The amounts gambled away varied between £5,000 and £3m. Of those gambling in the range £10,000 - £50,000, 59 people claimed to have gambled away a total amount of £1,225,194 with an average amount of £20,766 gambled per person.
![Gambling Gambling](https://dvh1deh6tagwk.cloudfront.net/finder-us/wp-uploads/sites/3/2019/09/Gambling_GettyImages_1536x864.jpg)
Even for those with a job this is a sizeable amount to have to find on top of living expenses and, since the majority were unemployed (65% in 2013, 78% in 2012), all this gambling money had to be funded from other sources - borrowing from family and friends, high street money lenders, pawnshops and loan sharks.
Many Gordon Moody Association residents also report that families remortgage their houses and go into debt themselves in order to try and help sort out the problems of their loved one.
Many problem gamblers get into huge debt and often resort to illegal activities to fund their addiction including stealing from their loved ones and their employers as well as turning to other illegal ways of making money to gamble.
Those who are unable to cope with their debts may choose or be forced into bankruptcy and society then carries the rest of the debt. If court costs are involved this adds to the total financial cost.
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Those who are unemployed and unable to work due to their addiction are surviving on state benefits which at the very minimum amount to £57.35 per week (Jobseekers Allowance) and may amount to a great deal more. Assuming six months unemployment and at the basic rate of benefit this is an additional cost of £1,491 per person for 18 - 24s and £1,882 for adults who are 25+.
Criminality
If a problem gambler turns to crime then police time, court costs, probation services and prison services and other support services need to be factored into the cost to society. The average annual overall cost of a prison place in England and Wales for the financial year 2011-12 was £37,649 (NOMS).
Health services
Whilst problem gambling has not until recently been identified officially as a health issue and little or no funding is currently available for treatment from the NHS, health services are often involved as many problem gamblers develop physical and mental health issues as a result of stress and anxiety and the effects of other risk taking behaviours.
The effects on children
Sadly many family relationships breakdown as a result of problem gambling and children are the innocent victims not only because of the emotional distress created within the home but also often the loss of contact with their parent who leaves and the poverty which can result because of the behaviour of the problem gambler.
With this in mind it is clear to see that the issues and costs associated with any problem gambler can extend far beyond the basic financial cost and helping the recovery of one individual will have a much wider positive social impact.
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Supporting you
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People gamble for a whole range of reasons. While gambling moderately is not a problem, gambling can become an addiction and can be harmful to our mental health.
Why do we gamble?
People gamble for a variety of reasons, including:
- the buzz, the excitement, and the high adrenaline release
- the competitive element - trying to beat other players, the bookie, or the dealer
- the thrill of risk taking, of placing large bets
- to solve financial problems
- a way of escaping from stress or worries.
![Does Gambling Affect Mortgage Uk Does Gambling Affect Mortgage Uk](https://www.themortgagehut.co.uk/media/img/page_rows_images/5d25b1f023346_bad-credit-mortgage-application.jpg)
The amounts gambled away varied between £5,000 and £3m. Of those gambling in the range £10,000 - £50,000, 59 people claimed to have gambled away a total amount of £1,225,194 with an average amount of £20,766 gambled per person.
Even for those with a job this is a sizeable amount to have to find on top of living expenses and, since the majority were unemployed (65% in 2013, 78% in 2012), all this gambling money had to be funded from other sources - borrowing from family and friends, high street money lenders, pawnshops and loan sharks.
Many Gordon Moody Association residents also report that families remortgage their houses and go into debt themselves in order to try and help sort out the problems of their loved one.
Many problem gamblers get into huge debt and often resort to illegal activities to fund their addiction including stealing from their loved ones and their employers as well as turning to other illegal ways of making money to gamble.
Those who are unable to cope with their debts may choose or be forced into bankruptcy and society then carries the rest of the debt. If court costs are involved this adds to the total financial cost.
Those who are unemployed and unable to work due to their addiction are surviving on state benefits which at the very minimum amount to £57.35 per week (Jobseekers Allowance) and may amount to a great deal more. Assuming six months unemployment and at the basic rate of benefit this is an additional cost of £1,491 per person for 18 - 24s and £1,882 for adults who are 25+.
Criminality
If a problem gambler turns to crime then police time, court costs, probation services and prison services and other support services need to be factored into the cost to society. The average annual overall cost of a prison place in England and Wales for the financial year 2011-12 was £37,649 (NOMS).
Health services
Whilst problem gambling has not until recently been identified officially as a health issue and little or no funding is currently available for treatment from the NHS, health services are often involved as many problem gamblers develop physical and mental health issues as a result of stress and anxiety and the effects of other risk taking behaviours.
The effects on children
Sadly many family relationships breakdown as a result of problem gambling and children are the innocent victims not only because of the emotional distress created within the home but also often the loss of contact with their parent who leaves and the poverty which can result because of the behaviour of the problem gambler.
With this in mind it is clear to see that the issues and costs associated with any problem gambler can extend far beyond the basic financial cost and helping the recovery of one individual will have a much wider positive social impact.
Supporting you
'I'm very lucky to be here with so many other addicts who are positive and want to change and achieve recovery' Learn about our programme
People gamble for a whole range of reasons. While gambling moderately is not a problem, gambling can become an addiction and can be harmful to our mental health.
Why do we gamble?
People gamble for a variety of reasons, including:
- the buzz, the excitement, and the high adrenaline release
- the competitive element - trying to beat other players, the bookie, or the dealer
- the thrill of risk taking, of placing large bets
- to solve financial problems
- a way of escaping from stress or worries.
Sensible gambling
Some people say that there is no such thing as safe gambling. Others argue that gambling is like drinking alcohol - it's safe to do as long as you follow some sensible rules.
- Keep away from high-risk forms of gambling where you can lose large sums of money very quickly.
- Limit the amount of time you gamble. This will give you time to do other, more important things with your life.
- Limit the amount you spend to the amount you can afford to lose. When you have spent this much, walk away.
- Quit while you are ahead. If you continue, you are likely to lose because the odds are always stacked against you. That's how bookies and the casinos make their money.
When gambling becomes a problem
For most of us, gambling is a harmless activity. But, for some people, gambling is a way of life, an addiction that can wreck their lives.
You may be a compulsive gambler if:
- you spend more money on gambling then you can afford. If you continue to gamble, you could get into serious debt. You could also lose your home and your possessions
- you spend so much time gambling that you neglect other important areas of your life, like your family or your work. You could lose your job or end up divorced or separated from your partner and children
- your feelings and behaviour change. For example, you may become depressed when you lose or over-excited when you win. In serious cases, you may feel that you are only really alive when you gamble
- it leads you to inappropriate or even criminal behaviour. For example, you may lie to family and friends about your gambling activities or you may steal to fund your gambling habit.
Questions to ask yourself
If you think you may have a gambling problem but are not sure, ask yourself:
- Is gambling making me unhappy at work or at home?
- Is gambling making it hard to sleep at night or concentrate during the day?
- Am I lying to other people and myself about how much I gamble?
- Am I gambling to get away from problems or worries?
- Am I gambling to get money - so that I can pay off debts or solve financial problems?
- Am I borrowing money or selling possessions so that I can gamble?
- If I have just won or just lost, do I feel I need to gamble just a little bit more?
If you answered yes to any of these questions, then you may have a gambling problem.
What causes compulsive gambling?
All compulsive behaviours have social, psychological and biological origins. Gambling brings us into contact with others, even if we are using internet gaming rooms. This can provide a sense of community, however damaging the associated behaviours. Social meaning and acceptance by others are important to us all and for the compulsive gambler these can be found in virtual gaming rooms, real casinos, bookmakers and so on.
Gambling also changes how we feel psychologically as well as socially. It allows us to escape our normal lives and the everyday struggles we experience. During a period of gambling our mind is occupied by the odds, the bet, the race, the actions of other gamers, the run of the cards and so on. It can be all-consuming and therefore provides an engaging, exciting escape from ordinary life.
At the biological level, compulsive behaviours can have a direct effect on the brains dopamine reward system. This system regulates our responses to natural rewards like food, sex and social interaction. Repeated compulsive behaviours can act on this system with a power and persistence that changes its cells chemically and structurally. This in turn can have an overwhelming effect on our well-being. People may no longer respond normally to rewards such as food, sex and social interaction, and instead depend on gambling for their sense of reward.
Compulsive gambling can therefore develop through the social meaning and psychological relief that it offers. This is further compounded by the chemical changes in our brain that accompany these experiences. It is in fact artificial to separate these factors since they all occur simultaneously for the compulsive gambler. Social meaning, psychological relief and a fired dopamine reward system can be a difficult combination of experiences for the most hardy of individuals to resist.
Helping yourself
If you feel that you have lost control of your gambling, there are some things you can do to help yourself.
- Admitting you have a problem is the first and most important step.
- Find someone you can trust to talk to about your problem. It could be a friend, a relative or a specialist advisor.
- Avoid locations and situations where you may be tempted to gamble.
- Take control of how you spend your money, so that you don't waste it on gambling.
- If you can't do this by yourself, you may need to ask someone else to help you do this.
- Take one day at a time. Don't expect everything to improve straight away.
Living with someone who gambles
Living with someone who gambles can be just as difficult as living with someone with any other kind of addiction. It can be very stressful and it can lead to the breakdown of your relationship.
If you are not sure whether you are living with someone who has a gambling problem, ask yourself:
- Do they promise time and time again to stop gambling but carry on anyway?
- Do they disappear for long periods of time without telling you where they were?
- Do they spend large sums of money without being able to account for it?
- Do you hide money to stop them spending it?
- Do they lie to cover up or deny their gambling?
If you answered yes to most of these questions, then they may have a gambling problem.