Gambling should be fun! To make sure it stays that way and doesn’t impact other areas of your life, it’s important to think about the amount of money you can afford to gamble. That means you need to understand the difference between ‘disposable income’ and ‘discretionary spend’.
Disposable income is defined as your take-home income after any relevant deductions, such as tax, national insurance, and pension payments.
Discretionary spend is defined as the amount you have left from your disposable income after taking out your living costs. These will include expenses such as rent, mortgage payments, food, and travel, but there will also be many other essential expenses you should consider. You need to calculate how much you personally can afford to spend on gambling after you have met all of these essential costs. This will be different for everyone.
Ask yourself if you have sufficient discretionary spend to afford gambling at your current level.
We may from time to time ask you to consider if you have sufficient discretionary spend to continue with your level of gambling.