Gambling should be fun! It is therefore important for you to think about the level of money that you can afford to gamble with, to ensure it does not impact other areas of your life. To do this, it is important that you understand the difference between ‘disposable income’ and ‘discretionary spend’ – this will be personal to you.
Disposable income is defined as your take home income after any relevant deductions are taken into account, such as tax, national insurance or pension payments.
Discretionary spend is defined as the amount you have left from your disposable income after your living costs are accounted for, such as rent, mortgage payments, food, travel costs etc., but this still does not take into account many other unavoidable costs. You should assess what you can afford to spend on gambling after all basic needs and living expense commitments have been met.
Based on what has been described as Disposable Income and Discretionary Spend, you should ask yourself if you have sufficient discretionary spend to afford gambling at your current gambling level
We may from time to time ask you to consider if you have sufficient Discretionary Spend to continue with your level of gambling.