Responsible play

Bills first: keeping play out of the money you need

The simplest rule of responsible play is also the most important: only play with money left over after everything that has to be paid. How to set that up so it holds.

Essentials come first

Rent, bills, food, transport and debts are paid before anything else. The money for play is whatever is left after those and after anything you are saving towards. If nothing is left in a given month, then that month is not a month for playing.

Make it automatic

Pay essentials on the day your income arrives, by automatic payment where you can. Then move a fixed play amount into your fourdigits Wallet, and no more. What is in the wallet is the budget; when it is gone, it is gone until next month.

Never borrow to play

Do not use credit cards, loans or money borrowed from friends to play. If you find yourself considering it, that is a clear signal to stop and take a break. Playing on borrowed money turns a small loss into a debt that lasts.

If money is already tight

If you are behind on bills, set your deposit limits to zero or take a time-out while you catch up. Free debt advice services exist in most countries and can help you plan a way out. Coming back to play later, on money you can spare, is always an option.

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