Nick Grant

This is a story about estrangement...

I had a theory, a couple of months ago, that if I chucked all the spammers off my website and stopped allowing public comments, it would be 'better'. What I meant by 'better' at the time, was a combination of a better image in terms of not having tons of spammy bots, filling up the comments section, but also, I was fearful that my site would be algorithmically marked as spammy, and therefore expelled - or at least very harshly punished - from search results, burying my writing... making it impossible to find.

My theory backfired. From a peak of 7,000 visitors a day, I am back where I started: I can make an educated guess about who most of my regular readers are.

Of course, we can talk of sour grapes and self-serving arguments, until we're blue in the face, but for one reason or another, a second of my current work colleagues openly admitted to reading, which was very kind of them. So, amongst my [presumably] regular[ish] readers, I can count two colleagues who I work with on regular[ish] basis.

I notice that the first people I told, on Christmas Eve last year, that my kidneys had failed and I was on dialysis in hospital - very sick - were my work colleagues.

I spoke to some people on the phone, like my sister, and a very dear friend from Bournemouth. A friend from London was going to come and visit me. A work colleague - not one of the admitted readers - did actually visit. Another friend who I'd only met in person twice, but have spent a long time talking to online, and who has read my blog, came to visit.

It does concern me, that I have spent a lot of this year, a hair's breadth away from ending my life, and this Christmas is shaping up to be particularly stressful, when I so desperately need it to be relaxing; I so desperately need the opportunity to recover, rest and recuperate, after a pretty hellish year.

I think things were a lot worse earlier in the year. Presently, I have plenty of money and good credit, so I'm prepared to go to any lengths to keep myself safe this Christmas, which basically translates as: not being home alone in a City where I don't have a social support network, the weather is terrible, and where I nearly died a year ago... quite deliberately.

My colleagues never quite, but still, quickly forgot that I nearly died of multiple organ failure, because that's the way I wanted it: I went back to work and carried on as if nothing happened. What almost none of them know is that I deliberately poisoned myself, I knew my kidneys had failed for many days, and I just lay down on the floor - in great discomfort - waiting to die. Dying is not quick, I'm afraid, unless you do it right: overdoses are tricky things.

I did very recently attempt to obtain a potent poison, but it proved slightly more difficult than it first appeared to be. I'm not a stupid man, and of course I have an almost infinite number of avenues I could pursue, to end my life, but death by poisoning seems to be the most preferable: ideally something which quickly brings unconsciousness, and is painless.

Twice in three years, I've been saved in the nick of time. Once, the emergency services got me to the hospital, just before I started having seizures... 15 or 20 minutes later and I'd have been dead. It was a miracle they discovered me and got me to hospital so promptly. The most recent time, I had lain on the floor, with kidney failure, dying very slowly, for a few days... I'd had time to try a few different ineffective overdoses... it was not a well planned or executed suicide at all: I knew that my only chance was to remain undiscovered until I had a cardiac arrest, which my blood toxicity when I arrived at hospital, showed that I wasn't far away from, due to extremely high potassium levels - a side effect of kidney failure, which I knew.

I should make it clear, I do not plan on committing suicide this Christmas. I am doing everything in my power to keep myself safe. I'm not sure what compelled me to try to obtain the highly potent poison, very recently, but I suppose I felt like having the option, ready, at hand, was prudent preparation, because I refuse to have another bad year.

Of course, as I said, I'm not a stupid man: if I make that very definite final decision, I will execute it, and I will not change my mind. Things get a little harder at Christmas time, in terms of options, but there are still a near-infinite range of options, if I really do feel that I absolutely have to end my life immediately.

Things feel a bit different this year. I feel like there are people I would talk to, if I was getting close to attempting suicide. It's been a long time since I've felt like there was anybody who I'd talk to first... before putting plans into action.

Things feel a bit different right now. I feel like I can solve problems, as opposed to feeling like there's an endless procession of insurmountable obstacles, with each one threatening to destroy my life. Ultimately, I have plenty of money and I'm in the right frame of mind to find solutions other than just ending my life. There isn't anything, except a tragic event involving my sister, niece, friends or cat, which would be enough to provoke me, I think, beyond my general state of depression that my life must inevitably end prematurely anyway, simply because that's my [early] retirement plan.

I feel like I've got people who care about me. I feel like I've got people who understand what I'm going through. I feel like I've got [short-term] options. That's enough to keep me alive this Christmas, I think.

Tags: #suicide

This is a story about knowing when to stop...

By no later than the age of 17 or 18, I had figured out that life was a miserable rat race, which was unwinnable, and that all jobs were equally awful. I made the decision to focus on earning as much as possible, to make my leisure time as good as it could possibly be; I made the decision to work as little as possible, get paid as much as possible, in terms of "hourly rate" if you like: for sure, there are some very well paid investment bankers and corporate lawyers, but they work 100+ hour weeks. If I can work for 25 or so hours of the week, mostly just reading the news and otherwise browsing the web, but get paid a salary which is not inconsiderably different, then I am the higher paid in relative terms.

I made a decision, and quite a sensible one, to move to the seaside. I was able to continue my London investment banking career, but I could also go kitesurfing before work, at lunchtimes and after work. I could have barbecues on the beach. I could play beach volleyball. I could have a boat and go wakeboarding, whenever I wanted. It was, without a doubt, one of the best decisions I ever made.

But.

Burnout and depression, precipitated by the very driven and determined part of my personality, which I can never quite tame, led to to me finding myself too unwell to work.

The next part of my life was not well planned. I did very well from some speculative ventures, and I also managed to do very well with some other coastal companies who needed my consultancy skills. I still had my boat. I still had my barbecues. Life was still very good.

However.

Having spent a very long career (11 years at this point) hating every single second of the rat race, and having had some success with speculative entrepreneurial ventures, I wanted to "be my own boss" for once.

Big mistake.

More than anything in the world, I hate business administration. I'm an engineer: I want to design and build cool stuff. I don't want to be bothered with bureaucracy. I want to concentrate on elegant solutions to difficult problems.

So, I didn't really enjoy doing my first proper tech startup. I wanted all the wealth and security of what I'd done before, plus the freedom to do some nice engineering, but instead I had to deal with customers and investors. I hated it. I hated my business, which I had no passion for: it was just a cash cow, and a stupid idea, in terms of giving me the lifestyle that I wanted.

What does winning look like?

That question was really easy to answer, once upon a time: to live near the beach, and to be able to go kitesurfing whenever I wanted, and to have enough money to travel the world, going kitesurfing wherever the wind was best at that time of year.

I did, literally, live the dream for a while.

What does winning look like, now, today?

I have no idea.

I know that I need to find another passion again, which I hope I have done with mountain biking, but it's difficult because it's such a dangerous injury-prone sport, and I'm not a young man anymore.

I know that I need to find something which brings social contact; a network of like-minded individuals. It's difficult, because I've only ever known that to come about through my particular passion.

I think that a high standard of living is part of it - nice holidays and meals - but at the same time, one of the happiest times of my life was when I was homeless, destitute and sleeping rough.

I appear to have a lot of options. I was, for example, able to go to Turkish Disneyland, completely on a whim, because I needed a holiday and had no other inspiration. There was a water park, rollercoaster rides, and the whole place was delightful, including the themed hotel, which was meant for kids but was absolutely amazing for adults: who wouldn't want a Playstation and massive projector screen in their hotel room, for example?

I've tried and failed with a few relationships in recent years. Frankly, that's been more to do with the extreme pressure I've been under in other areas of my life, to stabilise my finances, and rebuild my professional reputation, after a rocky period due to repeated illnesses; hospitalisations... and of course, unstable mental health. My priority has been rebuilding my bank balance, and making myself look employable again; delivering some high-quality work.

What does winning look like now? Well, I have the world's best cat - a beautiful ragdoll girl - and a 3.5 bedroom house with 2 reception rooms, all in very grand proportions, for her to run around in. I live in one of the most desirable parts of Cardiff, next to botanical gardens and a massive lake. I can cycle from my house to mountains or lakes. I've got it all, except for a partner and a [local] social support network. It sounds like I've got it all, but as I lay dying of multiple organ failure on the floor a year ago, I knew that I'm a hermit; a recluse. The lack of any social glue, sticking me to life, is going to prove fatal.

I'm not complaining... of course, I get to live a very exciting life, although most of it is extremely lonely but that's necessary as part of the journey I'm on... even though I don't know where I'm going. All I know is: if you have a lot of money, you have a lot more choices, and you have a lot more fun; less stress.

I'm sorry if you find this boastful or otherwise churlish.

Tags: #career #work

This is a story about being 'always on'...

When I was 21 or 22 years old, I got a BlackBerry. I mean... I didn't buy one or anything... I mean I got a company BlackBerry. It was a big deal to get a BlackBerry. Only important people had a BlackBerry back then, in 2002 or whatever it was. It was a massive status symbol. Also, as a major geek, I thought it was brilliant to have a device where I could send and receive email, anywhere in the world... something we take totally for granted now.

I used to work for follow the sun global banks, where the New York Stock Exchange ceased trading, allowed everybody to get a few hours sleep before the Australian Securities Exchange started trading... then we followed the sun: Japan, Singapore, Hong Kong, India... brief respite... then the Russian, German and Paris exchanges, then finally London. It does not allow for a lot of sleep.

If you leave your BlackBerry on all the time, you will get emails in the middle of the night - UK time - telling you about something happening in the Asia-Pacific markets, which you should kinda know about because it's going to ruin your day in London, by the time it ripples round the globe.

The little noise and flashing light was so addictive, compelling me to read an email in the middle of the night, that we jokingly called our mobile devices CrackBerry.

Now, it's Slack which I can't ignore. Slack is the new CrackBerry.

It's almost 10pm and I've been working since before 7am. Those are long days. I don't even work in investment banking anymore. I can't expect a house-deposit sized bonus at the end of the year, so why am I pulling such crazy hours?

Well, it was never about the hours. Sometimes, projects are just addictive: you get invested in them, and you want to see a successful end result. Also, as an engineer, you like fixing stuff; you like solving puzzles and being helpful.

Anyway, I have a holiday in less than a week - all things being well - so I'll hopefully make it before inevitably burning out.

Tags: #work #career

This is a story about audience...

There was a time when I had so few readers, I could make an educated guess as to who each of them was. I have a loyal reader who lives in Milan. I have a loyal reader who lives in Worcester. I have a lot of loyal readers in various locations in Canada, Australia, New Zealand. For larger cities, like London, it was a lot harder, but for smaller cities like my home city of Cardiff, I could still figure out roughly who was who, amongst my regular loyal readers.

Over the years - five and a half years to be precise - I have had visitors who were former or current work colleagues. That shouldn't be a surprise, I suppose, given that I have this public document, which intimately and candidly records my stream of consciousness, warts and all.

I say "warts and all" but we obviously behave differently in private than we do in public.

When I had only a few readers, they were people who I had regular conversations with; there was a personal connection between what I was writing, and them: I considered how my writing would be received by them. I thought to myself "I wonder what they will think when they read this?".

Then, a strange thing happened.

Little by little, the number of people who were reading my stuff started growing, quite substantially. Within a fairly short period of time, it was almost impossible for me to keep track of my regular readers, in amongst all the strangers, who were reading my stuff for the very first time; people who I'd never met or had a conversation with.

Because so many people were reading, a lot of them decided to email me, or otherwise contact me directly via Twitter or Facebook. As you can see from the graph above, my writing was being read by a substantial number of people, and I was being contacted many times during the day.

Then, another strange thing happened.

I decided to cull a lot of spammy/fake comments. Google didn't like that very much, so they harshly penalised me: my website dropped from the first page of Google, way down in the search results. The number of people reading every day dropped back to almost the same level it was before the unusual spike; almost to the point where I could pick out people who I know - regular readers who are friends - from in amongst the sea of strangers.

But, I never really re-adjusted: I no longer think, automatically, about who might be reading what I write.

I often think "it doesn't matter what I write, because I am going to kill myself quite soon". However, I do have some friends and other people, who I don't want to upset or offend. I'm not so sociopathic, that I have no empathy for other people's feelings. I am genuinely remorseful, when I learn that I have hurt somebody.

I wrote yesterday about a friend - a work colleague - who's one of the few work colleagues who's contacted me to tell me that they're a reader. That friend is probably the only person in the world of whom I regularly think to myself "what would they think, if they read this?". In fact, that friend has posed that question to me: what would our colleagues think, if they read this? I tend to assume that they do not read this.

Generally speaking, I tend to assume that nobody reads this, in the very small circle of people who I interact with in "normal civilised society". That is to say, I assume that my neighbours don't read this, nor does my doctor, nor does my accountant, nor does my landlord, nor anybody else who has some kind of interest in me, financially or professionally. That extends, naturally, to work colleagues: I would assume that they would connect on LinkedIn, send me a friend request on Facebook or ask to connect on Instagram, or some other popular social media site, if they wanted to be "virtual" friends. In fact, in a professional context, I assume that nobody wants to be my real friend, except the friend who contacted me to say that they read what I write, here, on this website.

Which is the reasonable thing to assume? That nobody reads this - except those few who I know about, who read occasionally - because I'm not that interesting or likeable; also why would anybody I meet think that I would have written and published 1.4 million words on a website, which they could easily find with Google? Or, is it more reasonable to assume that people are curious, and given that I work with a lot of people, a handful of them might have been bored enough one day to put my name into a search engine.

Also, of course, my profile picture does have a cunning disguise... so how would anybody know for certain that they'd found the Nick Grant they were looking for?

In conclusion, I suppose what I've written takes on a very different complexion if it's being read by work colleagues. There have been plenty of times when I've been gripped by the delusions of grandeur which accompany bipolar manic episodes, and I have expressed my irritability, frustrations, and low opinion of some of what I've witnessed during my working hours; also I have loudly broadcast my arrogance, aloofness, smugness, and given the general impression that I have single-handedly delivered all the work involved in a very big budget project, in spite of the lesser mortals who've tried to thwart me.

As stated, I'm not sure who's reading this, but on the assumption that every single one of my colleagues is reading: I'm really sorry for being a dick. I'm not always right. My productive contribution is negligible. The upset I have caused has been inexcusable. I have vastly over-estimated the value of what I have delivered. I'm the guy who ruins people's working day, and makes the working environment unpleasant; unbearable. I'm really sorry.

I know that I don't offer nothing and I know that I don't create only problems, but it seems like the balance is wrong. My brain tells me that what I do is important, although I am acutely aware that I am very far from being indispensible (which is quite deliberate, I assure you: I hate key-person dependencies) my brain tells me that I am useful to have around, and that when required, I can do stuff which is really helpful. However, my brain often converts that into: "I am Jesus Christ re-incarnated; there is no greater living human being than I; I am the son of god" based on very little evidence, and it's only counter-balanced by the continuous thought "existence is nothing but unbearable suffering; existence is futile". In the middle, my brain then tells me "in order to give life some meaning in this godless universe, you should build some really fucking nice software which will impress people".

The net result of all of the above, is that, it turns out, I'm a real arsehole to people, sometimes. Sorry about that. I don't actually have an excuse. There's probably a simple solution, which would stop me being an arsehole. Most people's solution is probably just to decide "I'm not going to be an arsehole"... it's that simple.

I would just ramble more if I kept writing, but the final thought is this: I'm really sorry. I really do want people to enjoy my company. I really do want to make people's day better. I do think about it, when I've been a dick. I do feel guilty. I am sorry.

Tags: #work #career #writing #socialmedia

This is a story about borrowing...

Let us imagine, for a moment, that you decide - hypothetically - to operate your life in the same way that a corporation operates. Let's examine all the tricks you could use if you were a miniature corporation, instead of a human.

Firstly, you can take our life insurance, just like an ordinary person can. In the corporate world it isn't called life insurance, but it's the same thing. Just like life insurance, it gets paid in the event of death. In the corporate world, that 'death' can be considered debt default; bankruptcy: when a company can no longer pay back its debts - in default - it's bankrupt, or in other words 'dead'. Likewise an individual will be hounded by debt collectors until their death.

Regular insurance doesn't allow you to insure the same risk more than once, otherwise we'd all just buy a million insurance policies for our mobile phone, and then flush it down the toilet or otherwise deliberately smash it to pieces, then we could claim a million times, and get a million cheques from the insurance companies: instant millionaire!

You would assume that it would be illegal to insure the risk of a company defaulting on its debts more than once, but no such law exists. So, the first thing you should do as a miniature corporation is start borrowing money. Then, you should buy a million insurance policies. Then, all you have to do is stop paying back the debt, and when the company is declared in default of its debt obligations, and therefore bankrupt, you can claim your millions from those insurance policies.

That's just one example.

"Where will I get the money for all those insurance policies?" you might ask. Well, as a corporation, that's really easy: you can borrow it.

The bigger you are as a corporation, the more you can borrow, but even a miniature corporation is governed by the same rules. You only need to borrow £10,000 if the insurance policies cost £100 each. Then, when you stop paying your debt, you will be able to claim £10,000 insurance money 1,000 times.

That's how credit default swaps work.

Want another example?

Let us imagine that you want to make your publicly traded company into one of the most valuable companies in the FTSE-100 - the top hundred most valuable companies traded on the London Stock Exchange - then the process is very simple. Firstly, you find a company on the London Stock Exchange which is virtually worthless, but not bankrupt. Then, you borrow money to buy that company, which will be sold to you very cheaply, because its valuation is so worthless. Next, you borrow even more money, which you use to artificially inflate your turnover: you can use a second company which does something like unscrewing the nuts off bolts, as your main commercial trading partner. The company which has screwed the nuts off the bolts can then purchase a service from your public company, to screw the nuts back onto the bolts. Obviously, the cost of each process charged to each other is the same. Then, to make things more efficient, no nuts or bolts are actually shipped between either company, but the two companies continue to do the transactions electronically: one for 'unscrewing digital nuts off digital bolts' and the other for 'screwing digital nuts onto digital bolts'. This process can continue, thousands of times a day, costing hundreds of millions of pounds per day to each company, but each company is receiving an equal amount of payment for its services.

Now that we have a publicly trading company, which is doing billions of pounds of turnover every year, it can then ask investors for money, to fund its expansion plans. Because the billions of dollars of turnover are very impressive, investors will flock to the opportunity: clearly a company with such high turnover must be very valuable.

The injection of capital into the public company allows it to acquire other public companies, and in so doing, its valuation increases. The process need only repeat, until the company is valuable enough (has a high enough market capitalisation) to enter the FTSE-250 (the top 250 most valuable companies traded on the London Stock Exchange).

At the point that the public company is listed on the FTSE-250, pension funds are mandated to purchase a substantial stake in it. The mandatory purchase naturally inflates the valuation of the company. Using that windfall, more acquisitions can be made, in order to purchase other FTSE-250 companies. Eventually, the company's valuation is enough to rank it in the top one hundred most valuable companies traded on the London Stock Exchange, and pension funds will have to buy even more of it's stock. It's not optional that the pension funds will buy vast amounts of the company... they are duty bound to buy shares in the company, simply because it is in the FTSE-100.

Then, once you have become a FTSE-100 traded company, you will be able to borrow insanely huge amounts of money - tens of billions of pounds - in order to use for the important business of "digital nut and bolt screwing/unscrewing" and for the acquisition of other companies.

Finally, throughout all of this, you will have been able to pay yourself, as the CEO and founder of a FTSE-100 company, many millions of pounds in salary, and many hundreds of millions in valuable shares, plus give yourself a hefty golden parachute and enormous salary, before you leave.

If you thought that your money problems were caused by your own inability to do simple arithmetic: subtracting your household expenses from your wage income, then you were mistaken: you were simply not thinking and acting like a corporation.

Tags: #capitalism

This is a story about strategy...

We might say, unquestionably, our lives are better today than the lives of our grandparents; our quality of life is vastly better than when our grandparents were the same age we are today. Infant mortality and deaths in childbirth are vastly reduced, antibiotics and vaccines have virtually eradicated major diseases, food is abundant, high quality, tasty and nutritious, war is almost a forgotten memory; certainly the horrors of war are long forgotten... the proliferation of jingoistic moronic idiotic imbecilic poppy-shagging flag-shagging brain-dead meathead pillocks, is alarming, and those utterly brainless waste-of-space people think that war is glorious; they romanticise war.... however, there is only a tiny fraction of the war we once had, and that's a really good thing.

Thinking about things a bit more, however, we cannot say that universally life is better. It depends what you value. If you value a job for life, a good pension, community spirit, lifelong marriage, affordable housing, pleasant and rewarding work, beating your wife, beating your children, beating homosexuals, beating Black people, beating Brown people, imprisoning homosexuals, murdering criminals, oppressing women, murdering, beating, and oppressing the native inhabitants of the far reaches of Empire, and other 'old fashioned' values, as well as watching a substantial number of children die before reaching maturity, women dying in labour, masses of people dying from preventable diseases, shorter lifespans... if that sort of thing is more your cup of tea, then yes, maybe life has got worse.

We might consider, on a shorter timescale, whether our own life is getting better or worse. My own situation is mostly unchanged: I would have been able to afford an apartment in very central London as a twenty-something, and I could still afford that same apartment today, but it would swallow a larger proportion of my income, and I would have to cough up a larger chunk of my life savings as a deposit. We might consider the realistic prospect of me retiring: in my early twenties it looked likely that I would retire at age 50, in considerable comfort. Now, retirement at 75 would be possible. I suppose my options have not disappeared altogether, but I am a highly unusual individual; highly atypical.

Perhaps it is my expectations which are wrong?

No.

The range of my expectations includes committing a victimless crime - defrauding a bank or other parasitic organisation out of such a tiny fraction of their exorbitant profit that it wouldn't be missed by anybody - and either netting myself enough money to retire, or a custodial sentence to provide food and lodgings for the rest of my natural life: a win-win situation. At the bottom end, my expectations also include homelessness, and indeed sleeping rough, both of which I am all-too familiar with: they hold no surprises for me; I know what to expect. At the top end of my expectation range, there's nothing more than owning a dwelling of some kind, and having enough money to eat and pay the mandatory minimum bills... better than a prison cell or whatever shelter I could manage, sleeping rough.

This, again, is very atypical.

If we study most of humanity, we see that the strategy is very different. Most people are engaged in the bestial pursuit of making copies of their genes through offspring. Most people are in denial about the decline in living standards, and are attempting to use their sharp elbows to barge their way through the crowd, in the delusional belief that they'll be able to - through sheer willpower - bend reality to meet their psychotic hallucinations. "This will make for a great anecdote during your interview at The University of Oxford, dearest little Joshua" parents will be saying to their children, as they scavenge through a burnt-out supermarket in the shadow of derelict skyscrapers, unable and unwilling to ever accept that thrusting their progeny into the middle of the post-capitalist collapse of global civilisation, was perhaps the most stupid and selfish act ever committed by a supposedly sentient creature.

Conversely, you might think that I am stupid for not having children and shackling myself to a job that I hate for the rest of my life, in the hope of receiving a measly pension in the twilight years of my life, which I won't get to enjoy because of heart disease, diabetes and rheumatoid arthritis. I am prepared to consider that maybe it's me who's got things wrong. Except, you'll have lots of time to think about it, until your dementia sets in, whereas I won't have to think about it at all, because I'll be deliberately dead at my own hand, having avoided my own suffering, and having avoided inflicting life's suffering onto any innocent children.

These are not original ideas, of course, but we would be wise to consider the alternatives to what might appear, at first glance, to be the obvious answers.

Tags: #suicide

This is a story about false advertising...

The subject matter which my website deals with, is either "living with bipolar disorder" or it's "the world's longest suicide note". In fact, it can be both. The two are not mutually exclusive.

However, I don't tend to write very much specifically on the subject of my life with bipolar disorder, because I've always had it and it's so intrinsic to me, that I find it very hard to imagine life without it. Although bipolar has caused me significant problems in my life, those problems were present before my diagnosis, and I've not found it particularly useful, in recent years, to think about my diagnosis at all: I certainly don't seek 'treatment' for the illness, or otherwise involve myself with quacks, and the like.

I suppose I write about bipolar in a tangental way, given that the mental illness does dominate my life. Suicide, for example, would not be such an ever-present danger, were it not for my bipolar disorder. Also, various behaviours, many of which would not be seen particularly as symptoms of mental illness, are driven by my bipolar disorder.

Pictured above are two books which are on my coffee table at the moment. I thought that this accidental juxtaposition served as a brilliant summary of my state of mind. As my mood plummets into depression, I pick up the book about suicide. As my mood soars into mania, I pick up the book about mountain biking.

The mountain biking is a new thing. I used to ride mountain bikes when I was a teenager and as a young man, before graduating on to other more extreme sports. Since approximately 2013, when my life disintegrated during an acrimonious divorce, I haven't done anything which you might call 'sport'... with the possible exception of riding through London traffic on my bike at top speed, which is one of the most extreme 'sports' that you can take part in; one of the activities most likely to kill you.

I'm sorry if you came to my website, hoping to read more about bipolar, but were left feeling disappointed; let down. Most people - from those who write to me at least - tell me that they wish I would provide an idiot-proof step-by-step guide, in minute detail, of exactly how to commit suicide. I am not going to do that. No. Never. No way.

Anyway, despite winter being just around the corner, which always sends my mood nosediving, and other things which aren't right in my life - I'm single, don't have a social life etc - I am extremely keen to go for another ride on my new mountain bike, as soon as my backside has recovered enough, such that I wouldn't ruin this weekend, for the sake of a short midweek ride.

I don't feel manic, but then, I never do. My bank balance probably tells a different story. I spent three times as much on my mountain bike as I did on my car, for example. I have been spending money like crazy, which is usually a sign I'm manic. Also, I am struggling to sleep. Other symptoms too.

Of course, I'm happy to be happy, but I also need to be careful that my mood isn't getting too elevated. I need to be careful, although many would say that spending a ludicrous amount of money on a bike could only be explained by a mental illness.

Tags: #bipolar #bike #suicide

This is a story about getting into debt...

I was desperate for a halfway-decent car when I was 17 years old. The car I had when I first passed my driving test was the most disgusting horrible thing you've ever seen in your life, and that was before my mum crashed it, and then a blind man was paid to repair it using household paint of the wrong colour, which was daubed thickly onto the crumpled bodywork, and left to drip and generally look worse than it would have done if somebody had simply lowered their trousers, curled out a shit onto the bonnet, and then smeared the excrement.

The car, absolutely, was not a gift. In fact, the car was a curse. Firstly it was extortionate to repair, because nobody has a disgusting shit car like that for their first car, so no insurer would offer me an affordable policy. That wiped out every penny I had. Then, it was ruined: my mother crashed it, and it was shit in the first place. It was so old, that basically, it was mechanically fucked in every conceivable way. So, the insurance financially ruined me, then repairing it left me with a gigantic debt to the garage. Then, after all that, it was a hideously ugly shit unreliable horrible, horrible, horrible car.

So, I was keen to have a car that was not shit.

I got a bank loan. I got a bank loan to buy a car, which wasn't a piece of shit, looked like shit, drove like shit... I took out a bank loan to buy a fucking OK-ish fucking car, alright?

In actual fact, it was a good decision to get that bank loan, because I was happy with my not-shit car. In fact, I was fucking ecstatic to have a car which wasn't a complete pile of shit, that was financially crippling me.

Predictably, my OK-ish car was not a pile of fucking horrible ugly shit, and consequently cost me far less in garage repair bills. Predictably, my OK-ish car did wonders for my self-esteem, and I was quite proud of my OK-ish car. My OK-ish car was very enjoyable to drive, and I was very glad that I had taken out that bank loan.

Of course, I hated being in debt, but I paid it off pretty quickly, especially as the garage bills were a fraction of what they were for the horrible ugly old piece of shit, which was good for nothing but the scrap yard.

So, where am I going with this?

Today is payday. Actually, I don't really have payday, to to speak. I don't have a salaried job, in any sense that you'd understand. I run my own company, so it's not like payday is really a thing for me. But anyway, for the sake of simplicity: imagine that today is payday for me.

I've been trying to buy a new bike for a little while. Pictured above is my city bike: designed for zooming through traffic in London. I love that bike. It's great.

I don't live in London anymore. I live somewhere where there's hills.

The new bike I've been trying to buy is a mountain bike. I don't live super close to any mountains - maybe 45 minutes away - but it's pretty hilly where I live, so I need gears. As it happens, I already have a mountain bike, which I bought on motherfucking credit, OK, motherfucker not long after I got my OK-ish car. My 22 year old mountain bike is brilliant and I love it, but I want one which is better for going up and down hills. I mean, that's what my old one is designed to do, but I want a better one.

So, I'm buying something that I don't need but I want and I can afford because it's payday. I can pay cash. I don't need to borrow money or otherwise get it on some kind of credit agreement. I can just walk into a fucking shop, hand over the cash, and walk out with the brand new mountain bike.

I'm getting one.

Actually, it looks like I'm getting one which is going to cost twice as much as I had budgeted for... but I don't care. I want the one that I want, and I want it now... or rather, I want it tomorrow, because the shop needs to build it for me.

It feels - having been relatively recently homeless, horrendously indebted, and almost bankrupt - to be an incredibly bad decision. Sure, it probably is, but I've got the money - surplus - and I'm going to spend it all on this thing that I want; this thing that I don't need.

For sure, I'm not spending money that I don't have; I'm not spending money before I've earned it. For sure, this could be the beginning of a spiral back into debt, but I really don't think it's going to be. Even if it is, I don't give a shit. I've put up with too much for too long, to fuck around any longer.

Sorry for the stream of expletives. I've had to justify myself and my very real human needs, for far too long. If you ask my dad, you can get a bike that's just as good as a £30,000 full-carbon Tour de France pro-rider bike, so cheaply that somebody will pay you to take it off your hands, and buy you a fucking house too for your trouble.

By the way, I am not buying a £30,000 full-carbon pro-rider bike. I am buying a mid-range bike: not the cheapest, and not the most expensive. Mid-priced.

Okay?

Happy now?

Tags: #money #debt #bike #childhood #car

This is a story about dreams...

Here is money. Don't spend it all at once. A starving African child would be grateful to have this money. A boomer could buy a house, go out to the cinema, get a taxi home and still have change left, from this money.

A conversation I keep having with a friend who also suffers from existential angst, ennui and general loathing of the rat race, is what I'd do if I was free from the tyranny of rent/mortgage and career considerations. My friend thinks that things would be no different, except perhaps I would be bored. I disagree, but I don't have an easy answer. I have no burning desire to re-train as a landscape gardener or a vet. I have no desire to swap one career - profession - for a different one.

Having had a 23 year long career, and previously - as a child - suffered the consequences of my parents being lazy loser drop-out druggie bums, who refused to get a job and stop scrounging off their parents. My childhood experiences certainly made me want to go a very different way with my life: to be a valuable, productive member of society; to make a contribution; to have a career and a profession. Now, I want to drop out. I want to drop out of the rat race. I want to be a bum; a tramp even.

The time I spent homeless was chaotic, traumatic and stressful at times, but I have very fond memories of a lot of the time, where I connected with people, community; I had a social life. Life was enjoyable. Now it is not.

The friends who I have, who are free from the tyranny of a bullshit job which they can't afford to lose, lest they lose their home, their money, their credit rating and their dignity... they are not bored. They are busy. They spend time talking to people, about stuff other than how horrible the commute to the office is, and other job-related stuff. They find people they like and they hang out with them, instead of being coerced into spending the vast majority of their waking hours, corralled together with people who are equally resentful about having the prime years of their lives robbed so cheaply.

The gap-year-university-I-built-a-school-in-africa-yah-boo-jolly-hockey-sticks brigade are perhaps happy with their lives, because they had pleasant privileged upbringings, in private or selective schools, surrounded by other socioeconomically advantaged kids at all stages, including when they went to university, which continued into first jobs... marry the girl of your dreams and you've always got plenty of money for a house, car, holiday, and school fees for the next generation to carry on doing what you've always done - the best of everything, always.

We must consider that I never went travelling and I never went to university. Couldn't afford it.

I enjoyed a bit of the London young professional scene, but it's quite an uphill battle if you don't have your group of university buddies as a social group.

I found a group of kitesurfers, who became my social group, which was wonderful.

But it all went wrong. They've all got kids now, but I'm divorced. The childless man, who doesn't fit in anywhere. People have moved on with their lives.

Being homeless was great. Homeless people are a community. It's important to be part of a community.

Obviously I don't aim to be homeless, but I am considering it. Such is the extreme level of my misery, that I feel like I'd be happier homeless; cut loose from the tyranny of capitalism, rent/mortgage, career, salary, job, office, commute and all the rest of it, which makes no sense when none of the rewards are there - I'm not supporting a family, I'm not raising children, I'm not benefitting from any work-related social life.

What next? Seriously, I just want to drop out, and to find other drop-outs; other people who couldn't stand the rat race so much, that they ditched their mortgages/rent, careers and other things which are like a miserable trap, unless you are coerced into that system, because you need to provide a decent home for a child to grow up in, which my parents never did. I can be a nomad and at least I won't be fucking up any children's lives.

Tags: #career #homeless #capitalism #friends

This is a story about writing...

To date, I have written and published 1,357,076 words on this blog. Today is the 5 year anniversary of me starting this blog. I have published 1,086 blog posts, which is an average of 4 per week. I think many writers would be pleased to write and publish something at least 4 days a week. I'm quite proud of my achievement.

Here are some facts about the past 5 years, in chronological order:

• I was homeless when I started, on September 6th, 2015
• I was £21,000 in debt when I started
• I rented a super cool apartment by the River Thames in late September, 2015
• I was locked up for a week - voluntarily - on a secure psych ward in October 2015
• I flew to San Francisco to visit the Golden Gate Bridge, at the end of October 2015
• Hospitalised for a few weeks with kidney failure, caused by DVT, January 2017
• Moved to Manchester in July 2017
• Suicide attempt on September 9th, 2017. Hospitalised in a coma in intensive care
• Sectioned and held involuntarily on a psych ward, waiting for an appeal for 12 days
• Won my appeal, but stayed on the psych ward voluntarily for another two weeks
• Became homeless again
• Moved to Swansea in October 2017, still homeless
• Lived in a load of AirBnBs in London midweeek, due to work
• Debt reached its peak of £54,000. I only had £23 left to spend.
• Rented an apartment in Swansea with lovely panoramic sea views, in March 2018
• Moved to Cardiff in March 2019
• Suicide attempt on December 18th, 2019
• Hospitalised with kidney failure for almost 3 weeks - discharged January 2020
• August 2020 my peak of £54,000 debt is fully repaid. I am debt free.
• I have £300 of savings, having subtracted all taxes and other monies owed

Here are some other interesting facts about the last 5 years:

• I've worked 44 months out of 60 (73% of the time)
• I've earned £530,000
• I've paid £240,000 in tax
• I've paid £83,000 in rent
• I've paid £50,000 interest on debt

The numbers are actually pretty impressive, for somebody who's been so sick, homeless and generally suffering a very chaotic stressful life. I'm surprised I've been such a generous contributor to the economy, actually. I've philantropically handed out vast sums of money to banks, governments and landlords. I am, truly, a ragged-trousered philanthropist.

Tags: #homeless #debt #career #capitalism #banking #hospital