[BEEM]

A good place to start is the (CBA ) a Cost benefits analysis You will be able to find a more extensive example and worksheet online. Basically you draw a line down the centre of a piece of paper you label one side benefits of gambling and on the other side costs of gambing. You then write lists on each side it is a good way to shift your thinking. There are a few more fine details but that is the basic idea it is very effective.