So I don't usually hang out in BB4VL, I do post a lot in NVG, mostly the high stakes thread but you may recognize me from covering the All-Stars Showdown or from the London trip PokerStars sponsored me with.

Anyway, the backstory is that I played poker semi-professionally on the side of high school prior to BF. After BF I cashed out my money and haven't played anything seriously since. I've however made some small deposits trying my luck in tournaments (not too successfully). Last month I found out that the company I rent my apartment from mistakenly hadn't sent me one of my bills (it must have been from back when I moved in because I can't recall not paying the bill a month).

And now as a student but also as a person that comes from an under middle-class family always with financial problems I've never had money myself or in my environment (in excess of a few cash outs from poker), I found myself in some troubles. I simply didn't have the money to pay this extra bill. Going into this month I had two rents to pay.

As a student (studying at uni) here in Sweden, if you take max loans, you get about $1400 a month. And with a monthly rent of $780, there was no way I could manage this. So I saw my solution in poker. I didn't even have to make that much.

I could probably cover food, fixed costs and general living expenses with $600. So I deposit a few hundred with the intention of raking in $780 additional to my initial playing heads up (which was my main game back when I played). But the deck doesn't hit me. People still suck but I just can't win. I bust and need to deposit again. I pay my fixed cost in excess of the rents and leave money for food. It was just the variance of heads up of course, this time I'll win my losses back and the money for the rent. But of course I don't. I bust once again.

So like the idiot I am, instead of doing my best to save a few dollars and being able to pay the extra rent in a few months I gambled away the money for this months rent and will now be facing three months rent next month. And I just don't what the **** to do. I'm a 20 year old student with fantastic friends, a fantastic girl in my life, all of whom know I've played poker before and that I'm still interested but that I don't play, but there's noone I want to talk to about this. I'm deeply ashamed about this, really deeply deeply ashamed and I guess that's why I'm sharing this with you instead.

I've never owed anyone money ever, I've never had a gambling problem and when I actually played I had quite strict bankroll management. And now, I'm starting to realise poker and I doesn't correspond too well and I'll keep away from at least playing in the future.

I now have two rents that I should've payed, I'll have three next month, only one of which I'll be able to pay. Uni keeps me busy so there's no real chance of getting a job. I do however study a decent amount at home so I get in a lot of hours in front of my computer. I'm sharing this because there really isn't anyone in my life that I could or would like to share this with. Due to a rough childhood I don't really communicate with my parents and there really isn't of my friends that would be able to help me out. I've never been more ashamed of anything in my life and I really don't know what to do now. I literally couldn't sleep because of this last night.

If you've any ideas of what I could do now, please share, I'd greatly appreciate it. Otherwise, just thanks for reading I guess.

Cliffs:

• Had to pay an additional monthly rent with no savings

• Decided achieving the money through playing wasn't a bad idea

• Lost the money I had for the one rent

• Now in debt of $1560 (which is a huge amount of money for OP) and crying himself to sleep

But the good news is that Vanilla Thunder is an awesome name.

Your suffering is not proportional to the crime.

You're not going to get any useful advice in 4L.

True!

No ramen noodlez in Sweden?

Well, I could most likely save in some on food but that's not only money accounted for food like I said.

i thought sweeden was really progressive just go to the authorities and theyll immediately forgive the debts and give you like 20k to get back on your feet right?

Sell ur pooper

I don't see a lot of options.....you get a JOB and pay the debt you owe. This really doesn't seem that hard. If you have to cut back on school, drop classes or quit....you have debts to pay, now man up and make the money it takes to pay them. I would tally to whoever you pay rent to, explain you don't have the money but you are getting a job and work out a payment schedule.

I thought this attitude of "Wat?! I'm expected to pay my bills?! But college is more important!" was the new American attitude, but I guess it's worldwide.

Look, you seem like a nice guy but you've got to realize that paying your bills is more important right now than furthering your education. Getting behind like this can have a snowball effect and you can ruin your credit and end up alot worse than you are now.

If you are concerned about what people will think, just say that you got behind on your bills and need to make some extra cash. None of their business you lost it gambling. Assuming you learned your lesson there.

Hey man, if you are a full time student most unis have bursaries etc that will help with this kind of thing. You are better off e-mailing your advisor for help with this rather than posting on the most useless forum on the internet. GL sir.

Get hold of yourself and toughen up.

Chances are you are going to be in a lot tougher spots than this in your life so stop crying.

$1500 bucks isn't that bad. Look for a part time job, but stay in school.

So you get 4 hours of sleep for a few months. You are 20 years old.

You are letting this little bump in the road kick your ass.

Rob a bank.

Make up a less scummy sounding story (than being a degenerate gambler) and go tell your landlord that you need some help and try to set up a payment plan.

I just lost a few racks the other night and it made me feel really irresponsible cos I am 200k in debt but then I realized thanks to Obama I can just pay peanuts on my loans for 20 years and then get them wiped out.


Cliffs: thanks Obama

oot is that way. gtfo

Def establish a payment plan. This shows the landlord you are taking it seriously. Next step find a job that you can quit with no repercussions once you have earned desired amount.

The only piece of solid advice itt

this

So u get 1400 a month at 20 and are broke ?

I'm sorry i live in cali and when I was 20 i was making about 300 a week while going to school and spending money like it didn't matter and this was along with having a casino that was 18 and up nearby and living with 3 guys who all party to much

So needless to say I could make 30 bucks last 5 days if needed

I dont get it how you dont see you are definately living above your means

You should be expecting 66% of your cash to go towards bills and housing leaving you with 33 for non essentials

Get a roommate, get a part time job look at your post count you have time dont sb this place, get a girl who is a little thinker and have her pay for ****, or guy depending on what your into.
600 dollars for someone who doesn't need to commute to work should last as long as you aren't trying to eat like 50$ dollar dinners for 2 and **** on a every couple night basis.

But I get it i was 20 like 7 years ago now and I know i spent as much as I brought in but i also worked for that it wasn't given to me. I think if you ask around someone here could break you down a sheet of how much you should be spending daily weekly monthly

I use wellsfargo and it gives you a nice data sheet of how i waste my cash, but its nice to be in the hole at that age so you feel the pressure of real life, because no one wants to see a 30 something father of two trying to get out of a hole or debt or whatever your in

^sounds like somebody has never been to Sweden(or any Scandinavian country). Living off $1200/month in the US is much easier than living off $1400/month over here.

But yeah, getting a roommate sounds like the right play. Then you should have enough money that you can pay $100-200 off your debt each month.

there's a lot of people in NVG (including myself) that appreciate the effort you put into the HS threads.

unfortunately for us, it's prob best that you use that time instead for something that earns you some money.

maybe you can get a job in an office and post during work

Seems to me you have a gambling problem.

Talk to your friends and girlfriend.

in4b some HS reg see this thread a ship you few k for you effort at the HS thread. Which is your plan for making this thread.

Even if that's the motive behind the thread I'd say he's worth it for all the work he has put in for hundreds (thousands?) of peoples enjoyment. unfortunately I am far from any financial status to help him (i.e. railbird). Gl Vanilla with solving your issues.

Looking at what he pays in rent and the usual situation for students in Sweden I doubt he has a "landlord" in the same way you guys think. It's probably a big company and not a nice old lady who lives down stairs. I don't think they will agree to a payment plan in favor of just making him move out and replacing him (instantly pretty much, the demand for student housing is extremely high) with a rent paying tenant.