This is a story about overwork...
It occurred to me that most working people use their monthly take-home income to work out affordability. Everything is paid for monthly by most of the wage-slave salarymen and women, across the country. Each month, there's a rent or mortgage payment, a car payment, a loan payment, a mobile phone payment, a broadband internet payment and myriad other monthly payments. Everything is worked out based on whether those monthly payments are affordable, as opposed to thinking about the value of the thing in question.
Instead of thinking "I can't afford a £250,000 house because I only earn £25,000" people think that they earn £1,711 per month, and so that's the maximum they can pay in monthly instalments. If the mortgage is £1,000, the car is £150, the loan is £100 and the other stuff is £250 per month, then that's £1,500 total, leaving a balance of £250 disposable income every month. That's how wage slaves do the maths. That's how wage slaves calculate what's affordable.
I'm a bit weird.
I own my car. I own my phone. I buy things. I don't pay monthly.
If I was to think about my monthly net income - after tax - and then live a lifestyle which was in accordance with that income, then I wouldn't be driving a rusty 14-year-old bottom of the range old banger of a car. I wouldn't be living in a rented house. I wouldn't be worrying about the affordability of things, because my monthly net income is vastly more than my monthly net financial commitments.
This is, of course, provided that I'm well enough to work.
My health has proven unreliable. My mental health has been a huge obstacle to steady reliable dependable consistent work, day after boring monotonous terrible day. My ability to work cannot be taken for granted.
So, I work as hard as I can, whenever I'm able to. I earn as much as I can, while I'm able to.
I don't make any financial commitments. I don't take on any debt.
This means that I enjoy none of the fruits of my labour.
I have zero status symbols to remind me that I'm very good at my job, and I'm handsomely rewarded for my efforts.
Perhaps one day I will buy a house and a shiny new car, but I always think "what if I get sick?". I can't stand the thought of having giant financial obligations, such as a mortgage and car repayments, if I'm too unwell to be able to work. My life has enough pressure and stress in it without the added headache of needing to earn a certain amount of cash every single month, lest my home and car get repossessed and my credit rating get destroyed.
It's pretty soul destroying, working really hard but feeling, weirdly, really poor. Everybody is zooming around in fancy flash new cars, paid for in monthly instalments, while I pootle along in my rusty banger. Everybody is doing home improvements to the houses that are owned by the banks and building societies, while I'm in a rented house with ugly curtains and in desperate need of being redecorated.
I suppose I have nothing to complain about, because I'm making very rapid progress. If I'm lucky, then I will start to get on top of everything and my financial situation will improve with incredible speed. I need a load of luck, because my income looks like it's going to come to a screeching halt at the end of the month, as things currently stand. The demands for my cash skyrocket if I have to leave where I live to go somewhere where there's more jobs - I will be paying double rent, double bills, and I will have two deposits, all of which drains my limited funds.
Because I want my life to be better, I will work as hard as I possibly can to get into a better situation. I'll work from the moment I wake up until the moment I fall asleep, 7 days a week, if somebody is going to pay me decent money. It's only because I think it would be detrimental in the medium-term and result in a net loss of earnings, that I don't work every hour I possibly can. Somebody would query my timesheet and gigantic bill if I started working 100+ hours a week, although I could very much use the money.
I had this situation in 2015, during the same time of year. I was authorised to work unlimited overtime, so I worked 7 days a week. I burnt out and became very mentally ill. Things did not end well.
I've worked very hard to build a good reputation for myself, and I need to preserve that. I need to hang on to the gains I've made. I need to avoid losing my mind. A quick glance at my blog from 2015 tells me that I had a catastrophic breakdown around the middle of October 2015, so I will aim to get to Christmas without incident. I will aim to calm things down. I will aim to look after myself. I will aim to be sensible with how hard I work and how hard I push myself, and attempt to maintain some stability.
I really need to take a holiday.
When the clocks change, that's a terrible time for me. The end of daylight saving is dreadful for me.
It would be ideal if I could secure my contract so that I know I have a source of income, and I could take a holiday around the time that the clocks go back. That would be ideal. That would be perfect for my health. That's what I need.
I don't think it's going to be possible.
I need to keep going.
I need to keep working as hard as ever.
I need to work EVEN HARDER because I have to get through this difficult period where my contract is ending. I need to get my contract extended or find a new contract. I need to find some work locally or else move to Bristol or London. I need to keep the money rolling in. I need to keep going.
It's been a very long, very hard road. I'm very tired.