This is a story about maintaining equilibrium...

I started the year £52,000 in debt, with no home and no car. I started the year addicted to painkillers and sleeping pills. I started the year in a very dire situation. The odds were stacked against me.

I managed to quit those addictive medications. I managed to avoid bankruptcy. I managed to rent a place to live. I managed to buy a car. I managed to earn and save enough money to repay half my debt.

That's right. I'm halfway there.

In actual fact, I'm being a bit premature. My total outstanding debt is £43,250 and I've managed to save up £23,400, which is more than 50% but I haven't actually made a substantial repayment yet, because I'm terribly afraid that I'm going to get sick. I'm on the brink of having a nervous breakdown. It's been unbelievably stressful and exhausting to get to this point.

Did I mention that I quit addictive painkillers and sleeping pills?

A little over a year ago I was physically addicted to vast quantities of Valium and Xanax, as well as everything else.

How the hell does a homeless, bankrupt, drug addict, with mountainous debts, go from being sectioned in a secure psych ward, to being able to repay nearly £25k of debts as well as renting a house, buying a car and holding down a good job?

Compensation.

To compensate for the horrific withdrawal of all those medications, which caused massive problems with anxiety and insomnia, it has been necessary for me to compensate. To compensate for the stress and the misery of being flat broke and having the threat of bankruptcy, homelessness and destitution hanging over me; the stress of having to work really hard to service debts and save up money to get back in the black - that's required me to compensate.

I've been compensating for the horrendous things going on in my personal life; the incredible stress.

I've compensated by over-eating and drinking too much.

The stress has been off the fucking charts.

My drinking has been out of control.

I've put on weight.

If you think I should eat less, eat healthy, exercise more and generally look after myself, I ask you to re-consider what I just told you. Somehow I've managed to quit 5 physically addictive medications, move house twice, service debts of over £50k, save up £24k, work 3 jobs, please my clients, zoom all over the fucking country and generally live a miserable austere life with no reward for my efforts.

My mealtimes and my alcoholism are all I've got to live for at the moment. Getting fat, unfit and destroying my health with alcohol isn't my idea of a great way to live - it's a reaction to my extreme circumstances, and the horrible suffering associated with the stress of being massively indebted, skint, insecure and withdrawing from very addictive medications.

A lot of people aren't able to tolerate the horribleness of the anxiety, the insomnia and generally feeling like you're going to die, when you stop taking medications like Valium and Xanax. A lot of people will be hooked for life on their antidepressants, sleeping pills, tranquillisers, sedatives, painkillers and other such medications, because they can't stand the withdrawal.

A lot of people are destroyed by their debts. So many suicides are precipitated by financial problems. When you're deep in a debt hole and bankruptcy seems to be like the only option, that's a life-ruining thing to happen, because a bankruptcy is a black mark against your name for the rest of your life. Try renting a place to live as a bankrupt. Try getting a good job as a bankrupt. Try living any kind of life in this modern debt-driven society as a bankrupt.

My way of compensating for the difficulties in my life has been to comfort eat and get drunk.

I hate it.

I'm getting fat and unfit. I'm destroying my health.

It's a race against time.

I need to clear my debts before my unhealthy eating and abusive drinking kills me.

Don't tell me to eat healthy, eat less, drink less, exercise and otherwise make my life any more fucking miserable than it already is. I know what I'm doing to myself and I know what I'd do if I wasn't under such extreme pressure and stress; so distressed and living a life of such abject misery. I'm taking a very calculated but extreme risk, to escape from the trap - the trap of debt, the trap of addiction, the trap of homelessness, the trap of poverty, the trap of mental health problems, the trap of misery and hopelessness.

That I've managed to almost escape so much that threatened to destroy me, is remarkable. The only way I've managed to achieve it is by compensating with over-eating and drinking too much. My health is getting fucked up. My appearance is getting fucked up. I hate everything about my life, but I'm halfway to freedom.

I did intend on writing this once I've finally managed to make a great big £24,000 downpayment on my debts, bringing things down to an amount I can pay back in 3 or 4 months, which seems much more achievable.

I've achieved the fucking impossible.

I had to write this now, because I can't hold on much longer. Every week is unbearable, but every week inches me a little closer to freedom.

Getting to the end of September will be a huge milestone.

October I need to take some well-earned and very overdue rest.

November and December I need to make sure I stay sane and healthy and keep my job.

2019 is potentially the year I turn my whole life around.

Still so far to go.

It fucking sucks.

But there is a glimmer of light at the end of the tunnel.

Tags: #debt #homeless #capitalism #banking #suicide #addiction #medication

This is a story about numbing the pain...

I remember a time when I used to plan my weekends to make sure I was busy and socialising. I used to throw parties, take friends out on my boat, go out for dinner and otherwise ensure that I was engaged in the lives of the people around me. I put a great deal of thought and effort into bringing people together. When I had free time I'd scroll through my list of contacts and phone people who I hadn't spoken to, to maintain the bond of friendship.

I don't do any of that anymore.

My life became chaotic and collapsed, due to relationship breakdown, mental health problems and drug addiction. I was highly embarrassed that my picture-postcard perfect little life had become pockmarked and blemished. I was deeply ashamed that I was seemingly failing; fucking up. As addiction began to dominate my life I was no longer reliable. I bailed out on attending the stag do of one of my best friends, simply because I was too deep in addiction hell. I nearly bailed on my own stag do because I was struggling so much with addiction.

That was a transformative period of my life, from around 2006 to 2012 or thereabouts.

Friends travelled from all over the country for the combined birthday and engagement part of my [now] ex-wife and I. She threw a tantrum, because I had a huge number of great friends and perhaps she was feeling insecure, who knows? She said it was the worst night of her life, so I called a cab for us to go home. She wanted to stay. Why does anybody want to stay at the "worst night of [their] life"? It didn't make any sense to me.

My whole life no longer made any sense. Instead of being the guy who arranged for huge groups of people to come together and travel all over the world; instead of being a socialite who arranged gatherings and generally threw wild parties, I slowly allowed myself to be beaten - quite literally - into submission. I curtailed my gregarious and outgoing nature, in the face of the stroppy tyrant who I was trying to placate.

Of course, I should have walked away.

I was trying to change to please somebody. I was in love and I thought that it was the grown-up mature and sensible thing to work really hard to please the person you love. I thought that hard work would conquer the day. I was wrong.

I tried so hard, sacrificing so much that was important about myself, and becoming more and more isolated and depressed, because she took such objection to the fact that I was generally liked by a lot of people and seemingly able to inspire get-togethers. She threw tantrums about all the things I loved doing: organising group holidays all over the world; arranging to meet up; arranging parties and generally being a social butterfly. She worked hard to socially isolate me and break my spirit, and I let her do it. It was my mistake. I messed up.

I didn't realise that you could just break up with awful people.

I didn't realise that you should just give up on horrid people.

I didn't realise that walking away was an option.

I ignored my friends when they told me to dump the "poison dwarf".

Writing this now, I sound a little bitter and twisted about it. It happend. I can't change it. It's history and there's no point dwelling in the past. I need to move forwards and get on with my life.

There's a whole clusterfuck of stuff to do with my loser druggie parents and their selfish fucked-up selfish shit that they perpetrated agains me, ruining my childhood, that I'm very bitter about. I'm never gonna get to re-live my childhood. It fucking CUTS ME UP that I speak to so many people who fondly remember their childhoods and generally reminisce about things from their childhood that were completely denied to me because my parents are a couple of selfish bullying druggie alcoholic fucktard losers, completely devoid of any sense of responsibility towards their children or otherwise able to act with a shred of human decency. That shit FUCKS ME UP. But, whatever... it was a long time ago. I need to move on. I'll never forgive. I'll never forget. But it's no use clinging onto the bitterness and knowledge that my childhood was unnecessarily and brutally fucked up by that pair of selfish self-centred druggie cunts.

Don't talk to me about personal responsibility.

I take personal responsibility to a level you couldn't even comprehend.

You have no idea how much I lay awake at night thinking about my place in the world and how to make things right and do the right thing. You have no idea how much I deny myself my bestial instincts to rut and reproduce, like the rest of you filthy fucks, not giving a shit about the consequences. You have no idea how hard it is to live a life with as little hypocrisy as you can muster, and the guilt for the hypocrisy that you're fully aware of but is seemingly unavoidable.

The only way to live a life free from the original sin of being born a white man in wealthy western middle-class society, is to kill myself. The guilt I feel because I'm not a starving African paraplegic lesbian, is enough to drive me insane. I genuinely feel empathy for anybody I come into contact with, and I want to make a difference in the world, but I'm also cursed with a rational mind and a kind of brutal pragmatic realism, which means I cynically see every attempt to improve the human condition will be quickly thwarted by the ubiquitous greed and selfishness... but that doesn't mean I don't try really hard, through the avenues which are available to me.

Ultimately, I earn a lot of money which doesn't feel like a fair reward for my contribution to humanity. I'm cursed with cynicism and a realist's depression at the state of the world. I drink. I've drunk for as long as I can remember. My parents are alcoholics, so why the hell wouldn't I drink?

As I puffed and panted my way up the steep hill, walking home with a bag full of bottles of wine, I felt my chest tighten. I know that I'm killing myself.

I drink and it's killing me.

I drink A LOT.

My heart bleeds for the world. I'm a hand-wringing Guardian reader. I'm a lefty-libtard snowflake. I still believe that a better society is possible, and it upsets me that a tiny elite are stopping the will of the people from being realised.

I'm attempting to deal with my mountainous personal responsibilities, while also reconciling my heartfelt values in a world which economically incentivises me to screw everybody else over. Why not sell deadly drugs? Why not work for a bank which helps launder the proceeds of crime? Why not generally sell your soul to the highest bidder?

It. Fucks. Me. Up.

I've tried to be kind and generous, and all that's ended up doing is bankrolling some of the most selfish fucked-up awful people to perpetuate and perpetrate misery-making onto humanity.

It's a messed up situation.

I drink because otherwise I'd kill myself. I drink because it's a long drawn-out way of killing myself. I drink because maybe I don't have the guts to do the ethical thing, and immolate myself in protest at the shit I see all around me.

It seems foolish to injure myself in this way, by choosing to drink so much, but how else am I supposed to cope? How am I supposed to get through the day and suffer the bullshit which I'm all-too-able to perceive with a mind which has been developed into a hyper-rational thinking machine. I see the cognitive dissonances everywhere. The sickening stench of bullshit is overpoweringly strong.

I'm sorely tempted to make a grand gesture instead of allowing myself to be written off as another "natural causes" death, when in fact the truth is that my physical health has suffered dreadfully because of the awfulness of the world I see around me. My mental health is dictated by the bullshit of meaningless jobs and unfair wealth distribution, and the senesless selfishness; lack of anybody who wants to change the world for the better. The suffering directly correlates with the urge to reach for the bottle - why the hell not?

Why the hell not? I see no reason to be miserable, sober and fit. I'd rather be dead.

I can't imagine anything worse than having to face the bullshit of existence without intoxication, and without the hope that I might suddenly drop dead from a heart attack.

I honestly think that I'll feel relieved when I know I'm about to die. Finally some fucking peace.

Tags: #suicide #alcohol #addiction #parents #childhood #divorce

This is a story about hypomania warning signs...

If I was pressed to justify why I have any self-confidence and why I think I add any value to humanity - anything useful or interesting to say - then I could reference a number of achievements which I'm very proud of, indicating that I'm not completely delusional and grandiose. My sense of self-importance and pomposity is not entirely driven by perturbations of my sick mind. There are a few little things which mean I shouldn't think of myself as a complete waste-of-space, I hope.

Of course there are plenty of people in the world who will shout and scream: "YOU'RE A SHITTY WORTHLESS WASTE OF SPACE WHO SHOULD SHUT UP AND MAKE ROOM FOR ME ME ME AND ONLY ME. GET THE FUCK OFF THE STAGE YOU TALENTLESS FUCKWIT AND LISTEN TO ME ME ME. SHUT YOUR MOUTH AND LISTEN TO THE IMPORTANT STUFF I'VE GOT TO SAY BECAUSE IT'S ALL ABOUT ME ME ME".

I've had to endure plenty of these sharp-elbowed puffed-up pompous idiots, in love with their own reflections; quite convinced that they're brilliant people. I'm not exactly the shy and retiring humble type, but there's got to be some kind of middle ground unless you're happy flipping burgers in a minimum wage McJob and otherwise being trampled by precocious little shits; being shouted down by fucking airheads and their entourage of sycophants who believe the world owes them a stage and an audience.

...and breathe...

I realise that an arrogant streak within me rears its ugly head whenever I'm stressed and exhausted; whenever I'm scared and insecure.

I'm feeling very scared and insecure at the moment.

I know that I'm good at my job and I make a big difference to the teams and organisations that I'm part of, but I can see that a nasty side of my personality emerges when I'm under extreme pressure and stress. I can start to believe my own bullshit and see those around me as dead wood. I can start to become irritable and impatient. I can start to treat people unpleasantly. I become horribly arrogant.

It's a reaction to circumstances.

I'm not comfortable. I'm not secure. I'm not happy.

I'm exhausted.

I'm tired.

I'm scared.

At work, I know that I've proven myself yet again. I know that I've gotten to grips with a huge complicated system and a gigantic organisation in record time, and I'm making myself useful. I'm highly productive. I feel needed and I feel like I'm delivering good value. That feeds my fragile ego. My ego is incredibly battered and bruised because of the rollercoaster ride I've been on during the last few years, and because I don't feel at all secure.

I can point to things from the past which hint at my potential and clearly indicate that I'm not an idiot or a nobody, but how far back do I have to go? The picture above of me doing a Dragon's Den style pitch at Cambridge Union Society is about 7 years old. It feels like my life has been a complete mess since then. I feel like a fraud. I feel like a washed-up has-been.

For all my achievements, I've also repeatedly had problems with hypomania, where I've become impatient and irritable and I've spoken to people really badly. My arrogance has raged out of control at times. There's no justifying that behaviour.

I'm acutely aware that I wrote a very boastful blog post yesterday, and that I'm starting to become quite irritable by the amateurish stuff I have to deal with in my day job. I have to try very hard to avoid being harshly critical of my colleagues' work, which is perfectly mediocre and acceptable in the humdrum corporate world. I have to frequently remind myself that although I'm right it doesn't matter; although I could build a much superior system and do things so much better, I'm just one team member on a big project in a huge organisation. I need to recognise that I'm prone to the cyclical pattern of being smashed to smithereens and ending up destitute, only to get back on my feet and able to become high productive again with unbelievable speed. I need to stop being so dazzled by my own remarkable ability to pull myself up by my own bootstraps, because it's horribly arrogant.

There's a mountain of evidence that proves I can achieve exceptional things, but there's also a mountain of evidence that shows that I can become a right pain in the ass and I can be thoroughly unpleasant to deal with, when I'm consumed by hypomania. I need to remember that it'll be beneficial for me and everybody who I work with if I can rein in my arrogance, keep my lip buttoned, be kind, be patient and be as humble as I can possibly be.

It doesn't help that two people who I very much admired and respected have left my team, leaving me as the de-facto top dog, but I work with smart people and I need to work as part of a team or else I'll burn out. I need to get into the habit of learning to be more tolerant of the mistakes which people have made and the "varying abilities" in a diverse team, which is diplomatic double-speak for learning to put up with dullards. It's an essential skill in the workplace I think, to accept that there are more people who are undoing your good work and generally thwarting your ambitions to build utopian perfection, and to recognise that there are a huge amount of advantages of being a member of a big team of people who really don't care too much about the gigantic heap of useless crap they're very handsomely rewarded for fucking up. Striving for perfection has really messed me up very badly in the past.

So, I need an attitude adjustment. I need to acknowledge that when I've been given carte blanche - a clean slate - I've been lazy and sloppy and cut corners. I need to recognise that even though I have single-handedly built great big complex systems and profitable businesses from nothing, it's always fucked me up and burnt me out. On balance, it's the same net result - the tortoise and the hare.

I want to work really hard. I want hard work to accelerate me forwards. I want there to be a direct relationship between how hard I work and how much money I earn, but there isn't. No matter how brilliant and ingenious I am, I'm basically paid for being bored and keeping my mouth shut. The more dumb and numb I am, the more I get paid and the more people love me at work.

It's a really tricky time, because my mood viciously see-saws between suicidal depression, extreme boredom, insecurity about my value as a human being and a mountain of evidence that I'm very capable and competent at pulling off death-defying stunts and overcoming very difficult challenges, which clearly hints at a kind of troubled brilliance... although I'm not wanting to pat myself on the back too much or otherwise pump up my already excessively over-inflated ego.

If I'm going to make it through the coming weeks and months without disaster, I need to remind myself of past mistakes and attempt to curtail my arrogance; I need to recognise the cyclical pattern of my mental health and remember that it's always disastrous when I start getting impatient, intolerant, irritable and generally full of myself.

I need to keep my arrogance in check.

Tags: #bipolar #career #cambridge #startup #computing

This is a story about being thwarted...

If I was prone to paranoia, I could swear that I've had more than my fair share of bad luck while trying to get back on my feet. Things should have panned out for me several times, but I've so far been thwarted by some asshats.

In September 2014 I was beginning to sort myself out after my divorce. I took a quick holiday before starting a new job. I was making good progress with the new project, but a couple of asshats took offence to me getting ahead and conspired to screw me over. Mercifully I took 'em down with me, although it was a hollow victory.

In September 2015 I'd had an eventful summer but I'd achieved a lot and proven myself to be a valuable member of the team on the project I was working on. It was a friend who rather unreasonably expected me to help him get a job and get out of the dive he was living in, which pushed me beyond my limits and made me unwell. There was also excessive pressure on me at work, but I could have coped if I'd have had a more settled personal life, such as having a secure place to live and some financial assistance.

In September 2016 I was starting to believe that I was finally going to get back on my feet, but the project I was working on was cancelled unexpectedly. With hindisight I suppose it was obvious that the project was going to get cancelled and that it was a dead-end job. It's my own fault for taking my eye off the ball. It's my own fault that I didn't immediately attempt to get another job, but I'd been so bored and miserable, and I felt like I'd been de-skilled by all the time off work I'd had. I hadn't learned anything, gained any new experience or developed at all on the project, so my self-confidence was at rock-bottom.

In September 2017 I was sacked because I was in a coma on life support and the asshat I was working with thought that unconscious people are able to make telephone calls to phone in sick. He still owes me a lot of money. Obviously I had a lot of different problems that year, but successfully delivering software projects was not one of them - never has been and never will be.

I've been working for 10 consecutive months without a holiday and I've delivered two software projects successfully into production. I got sick in May, but I was given the benefit of the doubt because I'd proven myself to be a valuable member of the team, like I always do. I was sick in January/February time and barely limping along, but because I'd already completed my project in record time nobody much cared. That's the way I work - I'm blazing fast when I'm well, but I get sick too. You don't get to have me only on my good days - you've gotta take the rough with the smooth - although I don't charge my clients for the days I'm not productive.

Even with all the gaps in-between projects and time off sick, I've still delivered a hell of a lot of software in the last 4 years and I've impressed a lot of clients and colleagues. I've achieved a huge amount, despite not being very well. What I've managed to do in the workplace is all the more remarkable when we consider that it's set against a backdrop of homelessness, near-bankruptcy, drug addiction, mental health problems, hospitalisations, being sectioned and kept on locked psych wards, suicide attempts, moving all over the country, being estranged from family, social isolation and a whole host of other things which are toxic to a person's chances of succeeding in life.

I don't want to pat myself on the back too much, but I deserve a break. It's time I made a breakthrough. It's time I'm allowed to make a breakthrough.

Every time I get close to making a breakthrough, something goes wrong which is beyond my control.

It's making me paranoid.

If I can get to the end of the month, I'll have hopefully proven my worth sufficiently with my colleagues on my current project, such that I'll be able to relax and take a holiday in October. It would be incredibly cruel and unlucky if something went wrong, such that I'm not able to go away on holiday and relax, knowing I've got a job to come back to. That's what happened to me earlier this year, when I'd booked a holiday in June but then my project ended and I found myself looking for work again.

It's good that I've been able to work for 3 different organisations on 3 different projects this year, without any asshats screwing things up, yet. Not having huge gaps between projects has been crucial to my recovery. Also, it's important to note that this year I haven't - yet - been screwed over by anybody and I've been recognised for my talents and experience which I have to offer. It's nice to feel confident in my own abilities and to feel like I have proven myself to be reliable and dependable, beyond any doubt.

Obviously, I'm very exposed - my colleagues have seen the semicolon tattoo behind my ear and must have wondered if and when I'm going to get sick, but hopefully they've now started to see that I'm very capable and productive; hopefully they're enjoying working with me and they value me as a team member. However, if I need to take any time off work sick, it will obviously raise doubts again about whether my mental illness makes me a useless loser who should never be allowed into civilised mainstream society or permitted the dignity of getting back on my feet.

I'm probably pushing things too hard for too long. I should probably have a holiday sooner rather than later, before I have a breakdown; before I burn out. However, I also want to get to the end of the month, because it's a significant milestone and it puts enough cash in the bank to leave me safe from any unexpected bumps in the road. I'm so desperate to get back to a position of security as quickly as possible, having been on this agonisingly drawn-out journey with so many dashed hopes.

Everything is set up very well for me to be able to continue working and improving my life, but I'm paranoid that something's going to go wrong and screw everything up.

I spend a lot of time thinking about the consequences of a work colleague discovering my blog. I wonder if I might be the architect of my own destruction by writing this. There's nothing here that's unprofessional though. I'm not naming my client or divulging confidential details about the project I'm working on. I'm not guilty of misconduct of any kind.

As you can see from the screenshot above, I've been trained to be paranoid. I've been trained to keep my mouth shut and pretend like I don't have any problems. Despite the walls of the office being plastered with posters which proclaim "it's OK to talk about mental health problems" they really don't mean ME. I'm expected to be faultless. If and when my faults are ever revealed, it will be the end of me. The tiniest blemish is career-ending for those of us who work in the corporate world, where we must maintain a fake professional façade of perfection at all times.

If I'm feeling optimistic I like to think that my valuable contributions would outweigh the stigma and shock of realising that my colleagues have been working with a homeless, junkie, alcoholic, bankrupt with mental health problems all along - I should never have been allowed to get past the gatekeepers and rub shoulders with those who inhabit the fit-in-or-fuck-off corporate world.

When I'm feeling paranoid I feel like I'm only tolerated because I'm reasonably good at pretending to be a regular guy - any hint of who I really am and what I've really been through, and I'll be swiftly ejected onto the street to suffer destitution and homelessness.

It's so frustrating right now, because I've almost but not quite got enough money to complete my transformation from homeless, junkie, alcoholic, bankrupt with mental health problems, back to somebody who's indistinguishable from any other corporate drone. I'm so desperate to prove that it can be done - to get back on my feet from a terrible situation. It'll crush me if I'm thwarted.

Keep your fingers crossed for me. The next few weeks are crucial.

Tags: #career #computing #divorce #homeless #mentalhealth #bipolar #depression #alcohol #addiction

This is a story about hopelessness...

2017 was an annus horriblis like no other that I've experienced. I can't imagine as many issues conspiring to swamp me ever again. Despite being extremely mentally unwell, my rational analysis was correct: there was no hope of me escaping my dreadful circumstances.

There are many inescapable traps in life. Addictive drugs and medications, debts, social isolation, abandonment, stigma and suchlike exert such a powerful gravitational pull that no person - dumped by society - would ever be able to escape their fate without a miracle.

I don't believe in miracles.

That I had become hooked on prescription painkillers, sleeping pills and tranquillisers, due to nerve damage, kidney failure, lengthy hospitalisation and job loss, was something I had no hope of dealing with on my own, especially when then compounded by financial distress and having to leave my home city for the first job I could find, which didn't pay enough to deal with my financial woes. I wasn't even managing to tread water - I was drowning.

I'd had some help from crisis teams and home treatment teams - care in the community - but all they could do was bring me medication. My problems were more to do with hopelessness in the face of insurmountable odds. I was haemorrhaging cash and in danger of being evicted; losing everything. I was too sick to work. However, the home treatment team at least managed to force me to hand over some of my stockpile of prescription opiates, which I was planning to use for an overdose - that one small thing probably saved my life.

To expect me to put all my possessions into storage, move to a city I'd never foot in before, live in an apartment I'd never seen inside and work a demanding job, was too much pressure to place on a sick person in crisis. To expect me to deal with all my problems on my own and with inadequate support, was signing my death warrant. I was set up to fail.

I managed to withstand a few setbacks, such as a new relationship not working out. However, a second breakup - and the loss of the social group which came with it - was the straw that broke the camel's back. I knew I wouldn't have the energy to pick myself up and try again. I was too lonely and isolated. I was too vulnerable. I was to stressed and exhausted. I knew deep down that the numbers just didn't add up: I wasn't earning enough and I was working too hard. There was no escape. Suicide was the only option.

Of course, suicide was one of two options. I could have become homeless. I could have allowed myself to be abandoned by society and marginalised; demonised. I could have allowed myself to be ejected from the mainstream, never to be allowed to return because the stench of poverty would have seeped into my clothes and coated my skin. I could have accepted the labels which people were quick to slap on me: loser; unemployable; waste-of-space; unreliable; shady; untrustworthy. I could have lived out the rest of my days in a shop doorway, sleeping on a piece of cardboard in a dirty sleeping bag, begging.

I'm a realist. I'm pragmatic. I knew that I'd had my chances but they hadn't worked out, and I was highly unlikely to get any more. Time to die.

I got a pint glass from the kitchen and a box of white wine. I emptied out hundreds of strong opiate painkillers into a makeshift tumbler and tipped the capsules and tablets into my mouth, washing them down with alcohol. There was no hesitation; no regret; no self-doubt.

I set a countdown timer on my phone. I knew that the medications would hit my bloodstream in roughly 40 minutes time and I would soon begin to have seizures and lose consciousness. I presumed that the blood-plasma concentration levels of the medications would peak after 60 to 90 minutes and no amount of activated charcoal or gastric lavage would be sufficient to save my life. I thought that provided the alarm wasn't raised during that brief window, I would definitely die. I'd calculated the lethal dosages and I'd amplified the effects by combining with alcohol.

When the timer went off I was feeling very dizzy and disoriented, but I was able to find my phone and send 3 tweets. An old schoolfriend saw one of my tweets and replied. I replied back:

"I'm sorry Ben. I was looking forward for seeing you in November"

Those were my last words.

We lead lives of quiet desperation and we've been scattered to the four corners of the earth. I have school-friends from Oxford and Dorset, but I've spent most of my working life in London. What was I doing in Manchester? There were no friends or family anywhere for hundreds of miles. I'm cared for by people all over the world, but what can anybody do when we're only connected through cyberspace?

I thought nobody who cared about me knew where I lived.

Online friends raised the alarm. Emergency services got to me and took me to hospital in enough time to save me. I regained consciousness in intensive care on life support. It's quite miraculous that I'm alive today, writing this - the prognosis was not good at all.

The things which pushed me to suicide had eminently practical solutions: housing, employment, finances, social, intimate. There was no reason I had to die, except for the way that our society has become an "every man for himself" barbaric struggle. Our communities have collapsed and we live lives of isolated quiet desperation, where we don't feel like we have the time, the money, the energy, the space, the resources or other very practical things, in order to help the needy.

In the absence of a stable and secure life in the so-called "real world" I've maintained relationships which aren't disrupted by moving around geographically. I maintain relationships which follow-the-sun: I talk to people in all different timezones at different times of the day. My online presence has allowed me to keep a toe-hold in the world of the living, thanks to others' willingness to be part of an online community too.

My "real world" life is not much different today than how it was a year ago, but my situation is much improved. The suicide attempt brought the help I needed - albeit seemingly too late - and I've been able to break free from addictive prescription medications, stabilise my mental health and get myself into a financial situation where there's light at the end of the tunnel. I'm able to work, sleep, eat and generally function with independence - a life which is mostly tolerable. My lack of "real world" social life and romantic relationship is made more bearable by the vast amount of care and support I receive from my many friends who I'm in regular contact with online.

Things are far from perfect, but they're vastly improved versus a year ago, and at least I feel like I've got a fighting chance. I at least have the dignity of being able to work my way through recovery and get back on my feet.

To those who took an interest during that fateful night of September 9, 2017 - thank you.

Tags: #suicide

This is a story about the money multiplier...

Let us imagine for a moment that I manage to obtain a banking license and start a brand new bank, but I don't have any money. In this hypothetical example you want to buy a house valued at £100,000 - for the sake of easy maths - and you have a £10,000 deposit. Further, let us imagine that there are lots of people who would be glad to take out personal loans, overdrafts, credit cards and other kinds of borrowing, and pay high rates of interest. Let us set the central bank lending rate at 0.5%, the mortgage rate at 5% and the unsecured lending rate at 20%. With me so far?

What I seek to prove to you is how capitalism is rigged so that those who control the money in the economy - the bankers and other capitalists - can make as much money as they want and not work at all, while the rest of us pay double. We pay with everything we earn and we pay again because we pay with our time and labour, which all ends up in the pockets of the capitalists.

Here's how it works.

You go to your bank with your £10,000 deposit. You give the bank your hard-earned cash.

Then, here comes the magic trick.

Your £10,000 is a liability on the bank's balance sheet. That is to say, if you were to deposit £10,000 the bank would be liable to pay you back as and when you demanded to have your money. However, the banks can do a little trick to turn a liability into an asset: It's called the money multiplier.

Banks only need to keep about 5% - or less - of the money that's deposited with them. So the bank can lend out £9,500 of your £10,000.

Then what happens?

Well, that £9,500 comes back into the bank in the form of a deposit. Let's say that our bank is paying a very generous 0.25% interest on their deposits. So, the bank has a £10,000 liability on one side of its balance sheet and a £9,500 asset - in the form of a loan - on the other side of its balance sheet, plus £500 in its reserve account. The loan brings in interest of 20% and the deposit attracts interest at 0.25%. The net monthly income for the bank is therefore £158.33 and the net monthly cost of interest payments is £19.79, yielding a very healthy £138.54 of profit every month for doing nothing.

So that's almost £140 profit every single month - £1,662 per annum - for doing absolutely nothing! But the best part is that it doesn't end there.

Because the bank now has a deposit of £9,500 it can now lend 95% of that. The bank can lend £9,025, making sure it keeps 5% in its reserves. The bank then has assets of £18,525, liabilities of £19,500 and reserves of £975. Somehow £18,525 has appeared out of nowhere.

The two loans yield £3,705 a year, while the deposits only attract interest of £463, giving a net annual profit of £3,242.

Three thousand quid a year for doing nothing!!

Yes.

That's right.

But it doesn't end there.

The bank keeps on lending money that it doesn't have.

A loan of £8,574, a loan of £8,145, a loan of £7,737, a loan of £7,351, a loan of £6,983... and so on.

Eventually, the bank has made loans of nearly £190,000 from an initial deposit of only £10,000. The bank also has deposits of almost £200,000, but these attract very little interest. The annual interest payable on the loans is £38,000 and the interest payable on the deposits is only £5,000, so the bank has an annual profit of £33,000 for doing nothing.

Now what?

Well that person still wants to buy that house so the bank is going to need some money. Where's it going to get the money? Well, no problem - it will borrow it from the central bank.

The central bank will want some collateral as security against the loan, but that's no problem because the bank has assets of almost £190,000 worth of loans bringing in £38,000 of anuual income, so it's clearly a creditworthy institution. The central bank is happy to lend the bank £90,000 at interest of 0.5%. The bank can then use that money to buy the house, which it adds to its balance sheet as an asset.

Now the bank owns a loan book of £190,000 worth of loans, cash reserves of almost £10,000 and a house valued at £100,000. It's very important to note that the person who wanted to buy the house does not own the house - it's the bank's property!

The bank now signs a mortgage contract with the house buyer for 25 years at 5% annual interest for a loan of £90,000. This loan will yield £4,500 per annum in interest payments for the bank, but it only costs the bank £450 a year in interest which it has to pay to the central bank, netting it a profit of £4,050 per annum, in addition to the £33,000 of other profit it makes from its loan book.

Now the bank is making a total annual profit of £37,050 and they are doing nothing.

Nothing.

Meanwhile, the person who bought the house needs to earn at least £6,312 a year to pay their mortgage. The person who bought the house no longer has the £10,000 they saved up. The person who bought the house has not only handed over their savings and committed themselves to having to pay a large amount of money every month... now they have to go and get a job from the capitalists or else they're going to be homeless! Remember, the bank owns the house, not the person who pays the mortgage - the witless idiot is now enslaved by capitalism.

Also, there are more than 100 people who took out loans, credit cards, overdrafts, store cards and other forms of unsecured personal debt, who now have to work hard to pay off the loans at 20% interest. People have become indebted by an additional £190,000 because one person wanted to buy a house, but they didn't realise they were going to get conned along with the rest of working-class society.

The magic trick that gets used by the banks is called fractional-reserve banking, which it allows a very small group of capitalists who have a banking license to economically enslave the whole of society in debt-based indentured servitude.

When loans are necessary to purchase basic survival needs - such as shelter - then there's no other word for it except for slavery. Shelter is not a luxury. Shelter is not an optional nice-to-have.

Insecurity about our shelter drives us into the open arms of the exploitative capitalists, who benefit doubly, because they earn money from us in the form of interest on loans and mortgages, and they have us right where they want us as an insecure workforce who desperately need to keep our regular income lest we be evicted and have our homes repossessed. The workers own nothing and the capitalists own everything. The rentier class have all of the wealth and do none of the work. Capitalism is the greatest crime ever perpetrated on humanity.

I hope you've been able to follow along the basic maths, and you can see how rigged the game is. It's quite simple to explain this horrific scam.

Tags: #capitalism #banking

This is a story about secret identities and alter egos...

I'm Nick Grant and these are my glasses, which are my cunning and infallible disguise to protect my real identity. It would be a disaster if anybody found out my real name - Nick Grant - because this blog is pretty unflinchingly honest and contains a lot of very unflattering things about me. I'm pretty damn exposed, hence why I wear my disguise.

Today I'm celebrating 3 years of blogging. I've been writing every day for 3 whole years, with only a few gaps due to sickness and near-catastrophic events in my personal life, which have threatened to see me bankrupt, evicted, homeless, penniless and destitute. To have kept writing regularly throughout all the ups and downs of the past 3 years is a huge achievement.

To date, I've written and published 1,013,091 words in that 3-year period.

The last 36 months could be summarised thus:

• September 2015: working for HSBC, living in a hotel, dating a BBC journalist. Rent an apartment on the River Thames.
• October 2015: working for HSBC. Suicidally depressed. Hospitalised. Fly to San Francisco.
• November 2015: fly back to the UK and deliberately get sacked from HSBC. Dating a PA to one of the directors of a major investment bank. Meet my guardian angel.
• December 2015: protesting against bombing Syria. Sober for 100 consecutive days. Relapse back into abuse of legal stimulants and benzodiazepines.
• January 2016: self harm and drug abuse. Start drinking again. Destroy my bed.
• February 2016: abuse of sleeping pills and tranquillisers
• March 2016: poly-drug abuse, combining legal highs and medications
• April 2016: holiday to Southend with my guardian angel. Start dating again
• May 2016: working for undisclosed major multinational organisation, with 660,000 employees worldwide. Replace destroyed bed.
• June 2016: working. Suicidal. Bored.
• July 2016: holiday to Fuerteventura for my birthday with my guardian angel.
• August 2016: working. Suicidal. Bored.
• September 2016: project cancelled. Meet love of my life. Minor relapse. Lies. Antidepressants and tranquillisers.
• October 2016: in love. Mini-break to the New Forest. Weaning myself off tranquillisers.
• November 2016: in love. Drinking a lot. Writing my first novel.
• December 2016. in love. Christmas with her family. Eating and drinking a lot.
• January 2017: DVT and kidney failure. Hospital and dialysis. Working for Lloyds Banking Group. Neuropathic pain from nerve damage. Taking tramadol, codeine, dihydrocodeine and pregabalin for the pain. Abusing large amounts of Valium and Xanax. Lose contract
• February 2017: fully-blown supercrack relapse. Completely addicted to prescription opiates.
• March 2017: supercrack. Abusing sleeping pills and tranquillisers. Quitting prescription opiate painkillers. Drinking. Still in love.
• April 2017: supercrack. Still in love.
• May 2017: attempting to quit supercrack by staying at girlfriend's and taking dextroamphetamine. Not succeeding
• June 2017: drug and insomnia-induced mania, paranoia and general insanity. Break up with love of my life. Regret
• July 2017: run out of money. Get a job in Manchester. Put all my stuff into storage. Leave London. Fling with girl from work.
• August 2017: working for a startup in Manchester. Dating a different girl. Still physically addicted to painkillers, tranquillisers and sleeping pills.
• September 2017: breakup. Suicide attempt. Hospitalised. Sectioned. Locked up on psych ward.
• October 2017: move to Wales.
• November 2017: writing my second novel.
• December 2017: working for undisclosed bank in Warsaw and London.
• January 2018: working for same undisclosed bank in London. Dating a Welsh girl
• February 2018: bank. London. Girl.
• March 2018: working for undisclosed government organisation. Rent an apartment in Wales.
• April 2018: successfully quit all drugs and medications. Job, girlfriend and apartment all in Wales and very close.
• May 2018: relapse. Breakup.
• June 2018: government project finished. Mini-break to Faro, Portugal to see old friend.
• July 2018: working for another undisclosed government organisation. Living in a hotel.
• August 2018: government. Hotel. Single. Depressed.
• September 2018: still working for same government organisation. Dating again.

By my calculations, 27 out of 36 months have been relatively OK, but 9 months in the past 3 years I've been a complete and utter train-wreck. The damage that's been done in that quarter of the year where I've been struggling with addiction, has been enough to completely screw up my life the rest of the time, but not quite bad enough to lead to me becoming unemployable, bankrupt and homeless - I always find a way to bounce back.

Somehow I've managed to fit 5 serious girlfriends and 5 major IT projects into the madness of my day-to-day existence, as well as 3 hospitalisations for major medical emergencies, being sectioned, two psych wards, an arrest, two evictions, moving 5 times, 6 cities, 5 countries, 13 powerful prescription medications, 5 street drugs, 121 consecutive days sober, 56 consecutive days sober, 799 blog posts, 1 million words, 14 thousand Twitter followers and a couple of hundred thousand pounds... and all I've got to show for it is this poxy blog.

The story of Nick Grant and his ups and downs might be a bit repetitive, but I'm sure it's not boring. I would argue that it's pretty remarkable that I'm still alive and kicking, and able to string a sentence together. It's remarkable that I'm reasonably mentally stable and I'm working full time on quite an important project. It's remarkable that my colleagues don't suspect a thing. It's remarkable that I haven't made myself unemployable or otherwise ended up excluded from mainstream society. It's remarkable that I'm unmedicated and yet quite functional and productive.

Along the way, I managed to lose my original pair of glasses, but I had a new identical pair delivered today, which I'm wearing now. I had no idea when my replacement glasses would be delivered, because they were being hand made to order, so I find it deliciously wonderful that they were delivered on the day I'm celebrating the 3-year anniversary of starting this blog.

When I think back to my very first blog post 3 years ago - Platform 9.75 - it's amazing to reflect on the journey I've been on and marvel at how effectively my daily writing habit has functioned as a stabilising influence. I very much doubt I'd have been able to recover and continue my journey without the huge amount of help and support it's brought me. I feel really proud of what I've achieved, which gives me some all-important self-esteem in the times when I need it most. I'm sure I'd have killed myself long ago if it wasn't for the people who've engaged with me and what I write, and encouraged me to keep going. I feel loved and cared for even during some very dark and dismal days.

Obviously what I've written is not particularly palatable or compatible with dating and my professional life, but they'll never be able to find me - Nick Grant - because I've been so careful to disguise my identity and make sure that nobody could just Google me and find out all my closely guarded secrets. Nobody will ever be able to make the connection.

My next objective is to get through September 9th - the anniversary of my most serious suicide attempt - without incident. I plan on phoning a couple of the people who managed to get the emergency services to rescue me in the nick of time, to thank them for saving my life.

Tags: #writing #secrecy #privacy #nickgrant #socialmedia #blogging #career #addiction #bipolar #hospital #homeless #alcohol #drugs #sex #relationships #london #startup

This is a story about marketing yourself...

The image I present of myself online is thoroughly incompatible with my professional life and my aspirations to meet a girl and start a relationship. I speak my mind and I'm very honest about some things I've experienced which are taboos. It's not very common in our society to talk about our failures and other unflattering things which might paint us in an unfavourable light. I would attract a lot of stigma and prejudice if I was up-front about unpalatable things from my past.

Half-naked photos of yourself and presenting yourself as an all-round faultless great guy - a real man's man - is not a particularly successful strategy. I include the image above ironically. Unsolicited dick pics don't work either, but there are a lot of men who seem to think that they do.

For a brief time I had included the fact that I'm a writer on my online dating bio, but I realised that my blog doesn't exist in a particularly sanitised form and I would hate to be writing with hesitancy, thinking about how my words would be received by an online love interest who's just getting to know me. I'm very exposed in a way that most people usually aren't. You almost never have the opportunity to peer deep into somebody's psyche and read about all their deepest darkest secrets.

Earlier in the year I tried dating with my blog offered as part of the package of information presented. Usually the information we have when dating is a name, age, a few photos, a very short bio, then after some discussion we know what a person does for a living, whether they have kids, whether they have pets, where they studied, where they've travelled and a few other details which actually tell us very little about that person's character. It's not a lot to make a decision about whether it's promising enough to warrant an actual in-person date, but we have the writing style - from text message chat - to gauge whether a person is intellectually stimulating and easy to converse with or not. Subtle language cues tell us whether we're of a socioeconomically similar group, which is important not least for reasons of insecurity and feelings that we were hard-done-by in some way. Nobody likes feeling poor in the company of somebody who's enjoyed wealth and privilege, or feeling stupid in the company of somebody who's been lucky enough to enjoy a great education.

The problem with having my blog as part of the information bundle, is that there's an almost unlimited amount to be consumed and processed, which is available anywhere, anytime. It's tempting for almost anybody with even a casual interest in other people's lives, to dig and dig, and it raises troublesome questions which would normally never come about in the course of a relationship, because we don't usually have access to the inside of somebody's mind.

I'm quite comfortable with friends and the general public having access to the entirety of the dark recesses of my mind, because I've found that most people are sympathetic and kind, and they've used the information for purposes which have been very beneficial to me. I get messages of support. I make connections with people, and that feels good. I feel that people care about me.

When somebody who I have a romantic interest in starts to read my blog, however, it can make me somewhat paranoid about being judged negatively. Indeed, many people have a very negative view of those who do online dating, believing the online world to be a hotbed of murderers, rapists, sadists, perverts, pedophiles and other unsavoury characters. If you're looking to find out something bad about me, and you're hoping for your worst fears to be confirmed, then there's a lot of material here which can be twisted by the mind of a sad, miserable, negative and mistrusting person, who has no ability to perceive their own flaws and less-than-perfect personality. I make a leap of faith every day by choosing to expose myself and make myself vulnerable, sharing my innermost thoughts and feelings as honestly and candidly as I can. To abuse my trust by twisting my words and turning me into a monster is not very nice, but it's what a lot of people do, because they're looking for reasons to reject, not reasons to connect.

Similarly, prospective employers are looking for reasons to reject, and this is the reason why my blog is not at all compatible with my professional life. There's an unwritten rule in the corporate world, which is that you never talk about your flaws and failures. It would be career-ending if I was to include a link to this blog on my CV or LinkedIn. The contents of this blog is gold dust to the gatekeepers who very much want to see me penniless and destitute; unemployable.

I need companionship and intimacy. I need a job. I have to play by the unwritten rules of society, so that means keeping certain parts of my life under wraps. It would be too much for your average small-minded square to process, and it's almost too much for even the most kind and compassionate, to get beyond the usual knee-jerk reaction which is to reject anybody atypical.

There's nothing I need to tell anybody per se. I don't have any secrets particularly. I'm not trying to cover up a drug habit or pretending to be something I'm not. I'm not trying to pull the wool over anybody's eyes. I'm not withholding important or relevant information.

To mistreat people by treating them with suspicion and mistrust is a self-fulfilling prophecy. If you think somebody's going to let you down or do something bad, you're increasing the likelihood of that happening, because you're ostracising and persecuting that person, just like so many others do too. If you're expecting bad things to happen and you're withholding trust and commitment - refusing to take a leap of faith - there can only be one outcome, ultimately.

I think the decision to have this open document is the right one, but I still need to get laid every now and again.

Tags: #dating #sex #socialmedia #writing #privacy

This is a story about being observant...

I don't get out much. Working away from home, living in a hotel, then trying to cram all my chores into the weekend, I don't explore my local area very much. I don't know much about where I live.

I was walking up the steep hill from the town centre, back home, and I noticed a load of orange plastic things on the ground. On closer inspection these turned out to be safety caps for hypodermic syringes. There must have been 30 of these things scattered around the entrance to a kind of alleyway. I didn't look too carefully but I couldn't see any of the syringes. There was a police van with a riot shield covering its windscreen parked not far away. Smelling cannabis in the street is very common and hardly worth noting, but seeing the obvious detritus of heroin use is more telling about the character of an area.

In Manchester last year, I would overhear homeless people shouting to each other: "you scored? What did you get?" and "two Bs and a white" which means two bags of heroin and a rock of crack cocaine. I saw people standing in the middle of the pavement in a comatose zombie-like state because they'd been smoking Spice or Mamba - brands names of synthetic cannabis sold before the New Psychoactive Substances Act (2016) made it illegal to sell almost anything psychoactive.

Homelessness and drug abuse is less conspicuous here than in Manchester and London, although there are far fewer people living here.

In London earlier this year a female crack addict ran up to me and asked me for money. I said "sorry" and then she started verbally abusing me. She must have been "rattling" pretty badly but she kept up the pretence that she was "starving" and wanted money for "a hotel". I started to explain that I'd been homeless myself and she shot back that I should be more sympathetic, but she was simply enraged that I wouldn't immediately give her the money she was demanding quite menacingly, abusively and aggressively. She didn't waste any time finding somebody else to harass for money. We didn't converse. Literally the only words I managed to say were "sorry" and then "I've been homeless" before she decided that I was a waste of time in her frenzied attempts to gather enough money for her score. I saw her again subsequently having a blazing row with a homeless man about the fair division of the drugs they'd scored.

Recently, when walking somewhere with a friend and on another occasion with my ex-girlfriend, we passed people begging and they questioned why I didn't give them money. The presumption was - again - that I should be more sympathetic, given my prior experience with sleeping rough and being no-fixed-abode. I was almost rebuked for being callous and uncaring, which is a kind of stupidity reserved only for small-town small-minded idiots. I've seen enough Brasilian favelas, slums in India and of course spent enough time sleeping rough on the streets of London, and have attempted to help a few individuals. I know better than most people exactly what kind of a difference it makes.

To be clear, I do give money to alcoholics, junkies and the homeless, but I do it in a very targeted and considered way. If some guy with a dog is right outside a supermarket, sheltered by a doorway or a bus shelter, and I happen to be walking past, I'm very unlikely to give money to that person in prime begging position. If it's raining and somebody is getting soaked to the skin in the middle of winter, it feels like a more exceptional circumstance, so I'll sometimes walk to a cashpoint and get out enough money to pay for a hostel bed. If I see somebody suffering really badly with delirium tremens (DTs a.k.a. the shakes) then I'll get them a drink or enough money for them to buy one. If somebody asks me nicely for money for drugs, I tend to look at that more favourably than being abused for saying "sorry".

I worry that I'm a "have" and others are a "have not" and perhaps it's simple logic to say that the "haves" should and must give to the "have nots" if and when they demand it. I worry that I'm a gatekeeper. I really don't want to become part of the paternalistic patriarchal sneering guardian class, who will dole out what people need provided the misfortunate wretches put themselves through the degrading experience of begging and portraying themselves as a worthy needy cause. It's not fair or right that I should sit in judgement over my fellow men and women. Believe me, it's not like that.

As a proportion of my wealth, I've given away an enormous amount. I've been extremely philanthropic. Indeed I've been so charitable that I've put myself into a financially distressed position. Anybody who thinks I'm cold and callous doesn't know what the fuck they're talking about, they can fuck off, and they're no friend of mine.

Ultimately, I spend a great deal of my time thinking about the fair division of wealth, lack of opportunities, how the welfare state should operate, and humanity's general attitude towards the less fortunate members of society. I'm no Mother Theresa but we should be wary of those who do style themselves as such, because it's very much in the interests of the ego of a person who proclaims that they "do a lot of good work for charity". Clearly, charity has had its opportunity to solve the vast social problems of the 21st century, and it's failed abysmally, except for making a bunch of wealthy twats feel very smug with themselves.

I'm greatly moved by what I see all around me, but not such that I give 50 pence to a person who I just happen to be passing, because that'd be buying off my guilty conscience very cheaply. It's only right and proper that those who have been fortunate in life should feel guilty about their luck, and that guilt should drive us to enact real and meaningful change to the whole of society... not just chucking some pocket change into a begging bowl and feeling good about ourselves for the rest of the day. The guilt is something we should live with while the grotesque problems in society are allowed to persist.

It might look to the casual observer as if I'm living a luxurious life on my 6-figure income, but in fact I live in a very precarious situation. It frustrates me very much that I'm in too much of a fragile position to be able to jeopardise my own recovery trying to help others. I tried that and it was a welcome distraction from my own problems, but it was also excessively costly to my own survival prospects - it nearly cost me my life. I think it's quite fair and reasonable that I should put on my own oxygen mask before helping others.

As this story progresses, you'll see a change in what I'm up to and where my focus is, but right now sadly I have to focus on digging myself out of the hole. This is not selfish - it's what I have to do if I'm going to remain alive.

It is frustrating that I don't have spare capacity or any money to help others, beyond what I already try to do by sharing my story, but that's just the way things are going to be for the next 6 months or so.

If you think I should be volunteering or working for a charity, you're an idiot. My life would collapse in a domino-like chain of events which would see me bankrupt, evicted, penniless and destitute in the blink of an eye. I myself would become one of the very people I aim to ultimately help. You have entirely failed to grasp the gravity of my situation and the difficulty of dealing with everything I've been dealing with, and indeed still am dealing with.

I find the kinds of comments from my former friend and former girlfriend about giving money to the homeless vastly more insulting than the crack addict verbally abusing me for not immediately giving her the money she demanded, although all have missed the obvious point: that I have the first-hand experience, and I'm the one who's doing what I can, rather than telling others how they should act.

Homelessness and heroin addiction are a huge problem in my local area. I'll do my bit to help as and when I can.

Tags: #homeless #addiction #drugs

This is a story about late capitalism...

Having been part of the JPMorgan team who built a system to process more than a quadrillion dollars of credit default swaps per annum, and also the system to find out who was holding the pass-the-parcel when the music stopped, only to discover it was full of dog shit, I feel pretty responsible for the credit crunch and financial crisis, which has plunged us into a global recession many times worse than the Great Depression of the 1930s. I'm pretty disillusioned with capitalism.

I've had front-row seats for most of the insanity of the past 25 years - dot com, Y2K, 9/11, credit crunch, financial crisis of 2007/8, Bitcoin etc. etc. - and I was a fully paid-up subscribing member of the 2% profiting handsomely from others' misfortune with my snout deep in the trough.

By 2008 I was sickened by the way I'd turned a blind eye and ignored my moral compass, because I enjoyed the wealth and privilege. I was able to buy a house, a yacht, a speedboat, sportscars and go on enough luxury holidays to help me set aside my misgivings about what the investment banks were doing to the global economy, by creating fabricated securities such as derivatives, which were somehow valued at a vastly greater sum of money than the aggregate value of all the precious metals, gems, land, property, cattle, food, commodities, industrial plant, machinery, companies and cash that exists on the whole planet. I was shackled with golden handcuffs - who in their right mind would give up their trophy wife and pull their kids out of private school, to slum it with the hoi polloi?

I decided that I was sickened by the bullshit synthetic world of digital securities and digital bank balances, and the global computer network with all its software and data, which actually doesn't create anything real or tangible. It seemed like the infamous tulip speculation bubble in the Netherlands during the 1600s. It seemed like utter insanity to place so much importance on a bunch of binary ones and zeros which exist nowhere but as a tiny magnetic bump on a disk platter, an electron in a memory chip or a photon in a fibre optic cable. The entire weight of the internet is estimated to be about the same as a golf ball, if you add up all the electrons. It's madness to think that any of our digital scorekeeping - i.e. your bank balance - will matter at all when global warming really starts to bite.

I quit my investment banking IT job at JPMorgan and I retrained as an electrician. I wanted to build real and tangible things with my hands. I wanted to learn a trade which couldn't be outsourced or automated. I wanted to escape the virtual realm of high finance and software and into a field which could make a real difference in people's lives. Try living for a day without your lighting, heating, hot water, power shower, cooker, dishwasher, washing machine, tumble dryer, kettle, toaster, fridge, freezer and the myriad other electrical appliances which you don't even notice are there in your life, saving you untold time and physical labour.

It turns out, we don't value tradesmen as much as we value bankers.

I could've scraped a living, but it was hard work with little reward. The work was dangerous and dirty and the general public expected to get everything for virtually nothing. I didn't much fancy working my whole life with the threat of bankruptcy and my home being repossessed, never having enough spare money to enjoy what little leisure time I had. Economically, it wasn't viable to be a tradesman, except as a kind of break-even hobby. It made no economic sense to use 100% of my brains and brawn, but receive so little reward.

Subsequently, I've returned to making software systems for banks, doing so as a consultant and getting paid even more. I've been a leech on a leech, and the cash has poured in.

Throughout this journey my priorities have completely changed. Instead of aspiring to acquire and accumulate vastly more than I would ever need, and fantasising about buying bigger and better houses, yachts and other material possessions, my fantasies have taken on a completely different guise.

I've been fantasising about quitting the rat race, and having secure housing. I've been fantasising about having enough money to read books and write. I've been fantasising about having time and being free from the tyranny of the alarm clock and bullshit jobs.

I'd live in a Soviet-style apartment and have beige products - no consumer choice - if I could be intellectually free. I'd travel on the bus and give up exotic foreign holidays if I no longer had to play along with the charade of late-capitalism, where we are all commuting too far, working too many hours, and living under constant threat of losing our jobs, losing our homes and subsequently being made destitute. Given the choice, I choose equality of outcome, not equality of opportunity.

It seems pretty obvious that the equal opportunities experiment has run its course and it would be inhumane to continue. Free markets are efficient, but they are only efficient at stripping away people's security, happiness, dignity and any hope of ever feeling content or satisfied. Capitalism is - by its very nature - a force which will price gouge humanity for the basic essentials, such as food, housing, transport, healthcare, medicine and to some extent education.

Our poorest 50% struggle to afford the basics, while even the very rich are miserably struggling to attain the academic qualifications which will allow them to compete, lest they be trampled by the struggling masses, desperate to realise their opportunities. The competitive element of capitalism has turned us into slaves. Our lives our wretched and appalling.

I desperately want to drop out of the rat race, but to do so would see me persecuted. I wouldn't even be allowed to sleep rough and beg for food without being arrested and locked up. Society offers me no ability to house, feed and clothe myself, with any degree of security or quality of life. Working a zero-hours contract McJob is not going to earn me enough to pay rent and bills, buy food, travel to work and have any kind of life worth living. The theft of our time and freedom is an awful crime perpetrated against most of society. The chance to stop and smell the roses is denied to us when we do not have secure food and housing.

The only viable solution that I can see is universal basic income (UBI). I just don't see how else we're going to be able to stop the terrible decline in living standards and save humanity from the tyranny of exploitation by the capitalists. It seems like we're at breaking point when even the middle class children are becoming slaves to the capitalists, with enormous loans for their education, which might win them a low-paid job in a completely unrelated field from their university degree if they're lucky - the unlucky ones end up unemployed.

It's a sad state of affairs when our fantasies revolve around basic needs, such as secure housing.

It's not my idea of a good time, sitting at home smoking cannabis and playing computer games, but I don't see any reason why it's not morally acceptable or right to allow people to do that, and not threaten them with homelessness and starvation if they don't get a bullshit McJob and otherwise comply with the tyranny of late-capitalism.

The idea that we live in a land of opportunity and that hard work will bring rewards has been proven to be a lie, and ever more-so during each passing year. It's time to let people live lives of quiet dignity, rather than frantic futile desperation.

It's time to just give everybody enough money to live in peace.

Tags: #economics #banking #computing #politics #debt #capitalism