This is a story about penny pinching...

Here's the friend I respect most in the world, for being able to balance having nice stuff - house, car, motorbike and other 'toys' - but he's also really careful with money, to the point of being able to live for a really long time doing some quick part-time work that brought in just enough to pay the bills.

He was also my business partner for a while, and I admire him for his attention to detail and pride that he takes in having his accounts immaculately kept, and for claiming every penny he's entitled to, in expenses and other tax reliefs.

We couldn't be much more different in character, I think, when it comes to money.

I remember being poor. Really poor. I used to run out of petrol. I used to have such crappy cars there was always a big stress about whether I'd get to work or not. Buying meat was a luxury and I would always have to budget down to my last £10 each month. The idea of saving money was as absurd as spending money I didn't have on things people take for granted - breakdown insurance, holidays, brand new tyres.

My wages started to go up fast, and I even doubled my wage in the space of a few days, when I went contracting. Finally I could save up some money - which I did - and buy a reliable car to get to work. However, I also started to enjoy some nice things, like a holiday to New Zealand and I admit that I used money to help my self-esteem, buying Harrods hampers at Christmas and the like.

After all the relentless bullying at school, I felt I was 'owed' two things, for all the daily suffering. I wanted sex and money, to validate my worth as an individual. Having these things made up for being an outcast, a pariah, isolated, unpopular and even seemingly disliked by most. All that time I should have been fingering girls in the bushes while drunk on cider, I was geeking out on my computer. It's not that I didn't want to have a group of friends doing normal teenaged stuff... it was that it was actively denied to me. I needed sex to repair the rejection and damaged self esteem of my teens. I felt like I was 'worth' the money, because of the hours I'd put in, alone in my bedroom hunched over a keyboard.

My friend, the money saving expert, bought sports cars and went through a phase of using sex to feel better about himself, but at some point, he started to take pleasure in being efficient with his money. Instead, I was relieved to no longer have to worry about money. I got to the point where I never had to check my bank balance, and that's how I always wanted it to be from then on: that was the objective for me... to make money almost invisible and unintrusive.

For many happy years, I didn't watch the pennies, but the pounds looked after themselves. I didn't fret about whether I owed the taxman £6 or £600 for the interest on my savings - I just made a guesstimate that was more than it was likely to be, and didn't bother with the detail. I didn't do my expenses: it didn't seem worth the time, fiddling with all those receipts. I didn't budget. I didn't try and keep my costs down. I just lived my life, and money wasn't a thing. Sure, I would give some paper or plastic to a waiter at the end of a meal. Sure, I would hand over paper or plastic to a sales assistant at the tillls, in exchange for goods. Sure, my mortgage and bills got paid via direct debit. But the actual money part - I couldn't have told you whether I just paid £1 for a loaf of bread or £3: I just wanted the bread.

Now, having been on a merry-go-round that's gone faster and faster, as I've needed to earn more and more just to stay on top of ballooning expenses and periods where I've been unwell, I'm faced with the sudden stark realisation that I can't keep going round and round like that - it's getting nowhere. I'm going to have to take a bite out of a big shit sandwich. Everything's fallen apart, seemingly overnight.

Whether budgeting and penny-pinching is a complete waste of time now, given how deep in the shit I am, I don't know, but I've got to face up to a future where my income is unlikely to ever dwarf my expenditure, and I'm going to have to live like the other 98% - carefully budgeting and financial planning.

Frankly, it might be a bit of a horse-bolted/stable-door situation, and I find myself in the far worse situation of not only having to budget, but also deal with an income-expenditure disparity that no amount of budgeting could solve. It's an unknown world to me: bad credit ratings, debt collection agencies and payment plans with unhappy creditors. I know that the stress of it can drive people to suicide, and I'm already in a bad way, so this fear of the hell that will probably be unleashed upon me, is pushing me beyond what I can cope with.

I've already got to leave my home, move somewhere I've never been before, figure out if there's some work nearby I'm well enough to do. There's everything I own to be boxed up. I need to leave the city where I've lived the longest I've ever lived anywhere. There's the apartment I've called home for two years to say goodbye to. These are not trivial things. In fact, they're traumatic.

My money saving expert has given me one bit of advice, to stop the rot, but there's problems everywhere I look. There are huge stains on the carpet that my ex-flatmate kindly left. There are other things around the flat that the letting agent will want to charge me for cleaning or replacing, no matter how good a job I do myself. If I don't get out of this flat that I can't afford the rent on ASAP, my letting agent on their own could financially destroy me, before I even think about a little part-time work to put some food in my mouth.

It wasn't supposed to happen like this. I had a supportive partner. That's what a hypomanic episode can do to you - stupid decisions, unrealistic beliefs. I don't even know what happened, but I have a vague recollection of feeling like I had LOTS of options and LOTS of time & support. I remember that I had projects I was excited about. I went from being too depressed to work, to suddenly being too interested in a project to bother with work... I was going to make money while I slept!

So, I feel like I was driving down the motorway on a dry clear day. The road was quiet. Then, suddenly, my car was barrel-rolling down the road, with me being thrown around like a rag doll, covered in glass and blood and with serious injuries when the obliterated car finally skidded to a stop, upside down. The shock of it feels just like that. I don't know where to begin.

I hope - even though it's nothing I've ever hoped for before - that I can follow my money saving expert's advice, and I can rescue myself from the worst possible consequences. I don't want bankruptcy, county court judgements and all the other stuff that will follow you round like a bad smell for years, and even ruin your career prospects.

You can't accuse me of pride being the problem though: I've already slept rough, sold my car and used public transport and my bike, lived frugally. I'm trying my best to sell off items that would be beyond the means of many of our least well off. I'm not too proud to eat value beans and supermarket own-brand goods, or even shop around for the undesirable fruit, veg and bits of meat that most consumers don't want. I'm no martyr; no hero. It probably won't be enough anyway. You can't go from having support and a plan, to nothing - overnight - and expect that everything'll work out. There's no way it can.

Just so you know: I spend a huge proportion of my waking hours just wanting to end it. End the stress. End the worry. End the effort and exertion that will result in what, exactly? The possibility of being ripped to pieces by the courts anyway? It's not much to hope for, is it?

I don't remember ever feeling so suicidal and desperate.

Tags: #suicide