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Set limits that actually hold

A budget tool that starts from what you can really afford, ten rules for safer play and a checklist for the moment the urge hits.

Budget tool

Work out a ceiling you can afford

Enter your monthly figures in any currency. Nothing is sent or saved; it is calculated in your browser.

Fill in income and essentials to see your ceiling.

How it works: we take the smaller of 25% of what is left after essentials and savings, and 3% of your income. It is a cautious starting point, not financial advice. A lower number is always fine, and for many people the right number is zero.

Ten rules

Ten rules for safer play

  1. 1

    Decide the limit before you start

    Choose an amount and a time while you are calm. Never decide it in the middle of a session.

  2. 2

    Bet only spare money

    Rent, food, bills, debts and family money are off the table, always.

  3. 3

    Treat the limit as already spent

    Think of it as the price of an evening out. If it is gone, the evening is over.

  4. 4

    Never chase losses

    Betting more to win back what you lost is how small losses become big ones. A loss is a reason to stop, not to continue.

  5. 5

    Set a time limit too

    Decide how long you will play. Long sessions wear down judgement.

  6. 6

    Do not bet when you are upset, tired or drinking

    Low mood, anger, boredom and alcohol all push stakes up and judgement down.

  7. 7

    Keep a bet-free day, then more

    Start with one day a week with no betting. Add days when that feels manageable.

  8. 8

    Write it down

    Keep a simple log of amount, time and mood. What is written down is harder to explain away.

  9. 9

    Never borrow to bet

    If you notice yourself asking to borrow, selling things or delaying bills, that is the signal to stop and talk to someone.

  10. 10

    Use a second pair of hands

    Ask someone you trust to hold your spare cash, to know your limit, and to ask how it went. If you top up through an agent, tell them your cap.

Many licensed operators offer deposit limits, time-outs and self-exclusion in the account settings. When money moves through an agent or in cash, those controls may not apply, so the limits above have to come from you.

When the urge hits

A six-step cool-off checklist

  • Put the phone down for ten minutes. The urge usually peaks and falls.
  • Do not top up and do not ask anyone to top up for you.
  • Message or call one person, even just to say you are having a hard moment.
  • Move: step outside, drink some water, wash your face.
  • Write down the amount you want to chase. Seeing the number helps.
  • Wait 24 hours before any new top-up. If you still want to bet tomorrow, keep to your cap.

Finding it hard to keep to your limits is a signal, not a failure. Try the three-minute self-check and see where to get support. If you top up through an agent, read how that changes the picture.

Last reviewed: 23 October 2026. General information only; see the disclaimer.

Disclosure. Singular Pathways is supported by the MobCash team. Our guides are informational: no odds, bonuses or promotions.