This is a story about the worst of all worlds...

"I'm sorry but this bonus won't be the megabucks you were expecting from your first job in the City of London" my boss said to me. I was 22 years old and I was glad to have a secure job with an old fashioned investment bank - we'd just been through the dot com crash and 9/11. When I was a younger man I erred on the side of caution. I had decided to quit doing IT consultancy and take a permanent job when I was 21 years old, because I could see the storm clouds brewing on the horizon. I sold out.

The first couple of years of my full-time career were extremely frustrating. The speed that things got done at British Aerospace and the Ministry of Defence was painfully slow. I was already a very competent computer programmer before I started on a graduate training program as a junior programmer, so I'd already mastered the art of software development. There was very little to learn and my colleagues were intent on asserting their authority even if they were lacking any god-given talents - they were mostly insecure know-nothing fuckwits; bitter old men who spent most of their time energy trying to foil and thwart me because I was young.

I then spent a year working for a startup before I went into IT consultancy, doing software development as a contractor. Those were exciting times where I learned a lot. However, I was still bored and quite unchallenged a lot of the time.

The problem is that all software is essentially identical to a programmer. It doesn't matter if you're writing a computer game or torpedo guidance software for nuclear submarines... it's all the same damn code. In fact, the best code a programmer is ever going to write is a computer game, because games programmers have to take advantage of the power of a computer to its maximum: sound, graphics and high-performance code which provides an audiovisual entertainment spectacle - a lot harder than anything else that a computer programmer can do.

I'm a polyglot.

That is to say I code in zillions of computer programming languages.

But.

They're all the fucking same.

All computer code compiles down to machine code ultimately, so whatever programming language you choose is just personal preference. There's no point getting hung up about which particular language you have a fetish for, because they're all the same under the hood. It all ends up as the same CPU instructions, at the end of the day.

So.

I decided to quit the rat race. I decided that I needed to get away from the profession which I'd already mastered long before I started my first full-time job.

But the money.

So. Much. Money.

I was earning £470/day when I was 20 years old. I was working in Canary Wharf for Lloyds TSB. The money was transforming my whole identity and life prospects; my opportunities. I had won a golden ticket which admitted me to a socioeconomic group reserved for kids who went to private school and were otherwise bankrolled by their rich families. I'd smashed through the glass ceiling and broken into a world which I shouldn't have been permitted to enter.

Soon, skiing holidays and yachts. Soon, posh restaurants, taxis, fine wines and other accoutrements of the monied set, meant that I was wearing golden handcuffs. How could I give up this lifestyle?

I hated capitalism; banking.

I can't believe how much I hated both enterprise software development AND the financial services industry. I buried my head in books about economic theory and the way the global financial markets operate, and the deeper I dug the more horrified I became by the whole charade. I couldn't believe that the film It's a Good Life portrayed a bank as a benign entity -- lending out a grandmother's life savings so that a sweet little young couple with a baby could afford to buy a house -- when nothing could be further from the truth. Everything I saw was bullshit built on top of bullshit. Plus, I was bored. By then I was a senior analyst/programmer, but I hardly did any analysis or programming - we were just fat lazy capitalist bankers.

Still I carried on, because the money was so good.

I became involved with JPMorgan and the Depository Trust and Clearing Corporation (DTCC) and we processed over a quadrillion dollars worth of credit default swaps a year. 1% of a quadrillion is 10 trillion. So, if an investment bank loses a million dollars, that's only 0.0000001%, which is what we call a rounding error. The numbers boggle the mind.

I live my life by the numbers, despite the fact that it's not much of a life at all.

I earn something like 2.14 pence per second, which means that watching the pennies is a laughable idea. I'd literally lose money if I stopped to pick up a penny.

It's miserable.

It doesn't feel good.

It's inhuman.

At least I'm no longer propping up and assisting some of the main players in the great global con which is capitalism and investment banking, but I'm not very far from ground zero. I'm still pretty close to the feeding trough.

I have no idea what I'm doing, why, who it benefits, how I'd explain what I do to anybody, how I'd justify my existence on judgement day or how I'm able to look myself in the eye and feel good about myself. I don't feel good about myself. I feel like a sellout.

While others live authentic and fulfilling lives where they follow their dreams and pursue their academic fetishes or otherwise find work which is compatible with their identity and personality, I've been a mercenary for as long as I can remember. During my whole upbringing I was taught to value money ahead of everything else and to prioritise my earnings instead of my enjoyment of life, or any consideration of moral and ethical questions. My parents always put drugs and money as their number one prioriries - fuck children, friends, family and other things like that, so I suppose I've followed in their footsteps.

The net result is this unfulfilling and frankly awful life, where I have no identity or set of beliefs which define me. I just do a job for whoever is going to pay me the most, but I don't know why. All I know is that I learned to do this thing - computer programming - when I was a child and now it's both the source of an obscene income, but also seems to be at the root of all evil - banking and capitalism could not survive without data, computers, software and the polyglot mercenaries like me who help them to ride roughshod over humanity.

I keep telling myself: I only need to earn X amount and then I can quit the rat race and go and do something good; something meaningful; something rewarding. That day never comes.

Tags: #banking #capitalism #career

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 working during the summer...

My drive to work this morning was dreadful, despite leaving at the crack of dawn. The roads are clogged again as the little darling children get taxied to school in gigantic 4x4s. There's a notable change in attitude of people now that the new term has started. My colleagues are much more in work mode than holiday mode. The mood is very different.

This summer has been the 4th consecutive year where I've had to work and not take any holiday.

To be honest, I'm really glad the school holidays are over.

I want to visit some friends in Prague, but I didn't want to travel during August, because the airports would have been rammed with holidaymakers. I want to visit friends in Ireland, but it makes more sense to wait until the madness of the school holidays is done and dusted. August is a dreadful month to travel anywhere and do anything, because everywhere's teeming with tourists.

I'm utterly exhausted, but at least I have a huge advantage compared with previous years. 2016 was relatively settled and I had been earning good money for several months. I had a very good chance of getting back on my feet in 2016, but the project I was working on was terminated unexpectedly early. In 2015 and 2017 I had the stress, exhaustion and financial pressures associated with moving house. In 2015 I had to pay thousands and thousands in rent, deposit and letting agent fees. In 2017 I had to put all my stuff into storage and move to Manchester. At least all I have to do this year is keep up my well-established routine.

Seemingly "little" things can have an enormously draining and exhausting effect, because they're very stressful. Travelling back and forth from Wales to London and staying in lots of different AirBnBs took a lot of time, planning, money and energy, at a time when I had very little spare cash. Not having my own place - an oasis of calm - to return to after a week working in the City meant that I was constantly uneasy and unsettled. The demands of being a guest in somebody's home shouldn't be underestimated, if you're similar to me in that you feel like you need to live small, neat, tidy and provide some 'value' to your hosts. It's very different being in your own home, versus being a guest in an AirBnB or sofa-surfing with friends, even if you have 'your own' room.

I've tried to engineer my life to give myself the greatest chance of success. I stay in the same hotel every week and I have an identical room. I eat in the same gastropub. I wear the same shirts on the same days. I pack the same things in my bag. There's a system and a routine which makes things less stressful and unsettling. I still don't sleep as well as I would in my own bed, because of the unpredictable noises of other guests, although I'm very glad that the hotel is of high enough quality that loud snorers - and there are so many - are not audible enough to make sleep impossible, through the sound-insulated walls. I've chosen a hotel which mostly accommodates business travellers like me, so I don't have the din of a family of 5 all cramped into one room, opening and closing the door and shouting in the corridor for hours every morning and evening.

I'm not one of your "children should be seen and not heard" miserable mean-spirited people, but I have little time and patience for the imposition of other people's lifestyle choices which negatively impact me. I don't mind kids in restaurants and bars. However, I've made a very conscious effort to carefully plan parenthood, so it's not fair that I should have my beauty sleep impacted as if I was simply one of the herd of rutting beasts, mindlessly spawning brats into the overcrowded world.

Most employed people think that the unemployed should get jobs, simply because they have to get up early and go to work, so they can't abide anybody who's not suffering the same miserable slog of the rat race. Perhaps it's like that with me and the holidays - I'm upset that I've had to work all summer without a holiday, so I somewhat begrudge people who've had lots of time off during July and August. Maybe I'm more bitter and resentful than I'm fully aware of.

I'm not going to dwell on my sense of being hard-done-by, because I'm starting to get myself into a position where I have enough financial security and employment security, as well as the freedom of being unencumbered by children, to be able to do pretty much whatever I want. I'm starting to regain my wealth, which means soon I'll be able to have some very luxurious holidays, I hope.

It helps having my colleagues in more of a work-mode. The attitude change is important. I need to be busy. I can't stand being bored.

It's very cool that I've made it to this point and my life is much more stable and secure than it's been in the past, and commensurately my mental health is much improved. Even in 2016 - which I think of as a good year - I was desperately suicidally depressed and struggling a lot more, I think.

I've definitely managed to get myself out of the danger zone yet again, which I'm very good at doing, but my luck usually runs out and I'm quickly plunged back into the red. At least I have critical pieces of the puzzle in place this year - car, apartment, job, cash - and I've got my routine well established. Provided I can keep turning the pedals then I should be able to cement my position. That I was able to withstand an almost disastrous May and June with little lasting ill effects, was a really good test and proof that my recovery is starting to be a little more resilient to life's slings and arrows.

I feel like I'm almost on a level playing field with my peers now - the fun and frolics of the summer are behind them and we all have months of miserable hard work stretching ahead of us. It feels better to be "in it together" rather than jealous of my colleagues jetting off on their holidays. In fact, I even have a slight advantage because I can take my holidays whenever I want - I'm not bound to the school holidays.

It might seem like schadenfreude but I don't care.

Tags: #holiday

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

This is a story about three years of my life...

I was living in an ultra-modern hotel in Canary Wharf and working for HSBC at their head office. I was a member of the team working on the bank's number one IT project. Shortly beforehand I had been living in a 14-bed hostel dorm and I'd narrowly escaped bankruptcy and destitution. I was working 12 hours a day, 6 or sometimes 7 days a week. I was exhausted and the tiredness, stress and unsettled life was driving me literally insane. I was suffering with delusions of grandeur, paranoia and my behaviour was erratic and unpredictable; I was extremely tense and irritable. I was on the brink of having a breakdown.

I rented an apartment on the River Thames near the office. The rent was obscene - £500/week - but I was earning great money working for HSBC and I was working very hard, so it seemed affordable at the time; it seemed like a nice reward for all the hard work. It felt like justice that I'd been able to get myself off the streets and into such a lovely place to live; to have gone from homeless and sleeping rough in a park, to having a luxury Thameside apartment with panoramic views over London.

I was dating a BBC journalist. I was rapidly gaining a Twitter following. I felt like everything was happening for a reason. I felt like it was my destiny to do something important. I was consumed with mania; I was obsessed with the idea of a grand gesture. I had been deeply affected by my homelessness and near-bankruptcy and destabilised by the exhaustion of sleeping rough and in hostel dorms. The IT project was very stressful and I was under a great deal of pressure from HSBC management. My mind was a mess. I was very severely mentally ill.

I woke up one morning and I couldn't go on. I couldn't face the office. I wanted to kill myself. I went to my doctor who sent me to hospital. 13 hours later I was admitted to a secure psych ward. I explained that I was financially distressed and very stressed at work. The psychiatric team recommended I stay in hospital for at least 2 weeks, but I needed to be back in the office if I was going to keep my job, to be able to afford the rent.

I discharged myself from hospital after a week and flew to San Francisco. I figured that if I was going to kill myself I might as well do it somewhere iconic. A friend picked me up from the airport and I borrowed a bike. I cycled straight to the Golden Gate Bridge. Seeing old friends, however, made me change my mind about committing suicide.

I lost my job with HSBC and I "slept rough" in the shadow of the head office skyscraper in Canary Wharf. I thought that this would be the pinnacle of my journey. I thought that having been used and abused by HSBC then unceremoniously dumped out onto the streets to suffer bankruptcy and homelessness - having managed to get myself a job at the bank while of no fixed abode and living in a hostel - would be deliciously poetic. It was, but my journey had barely begun.

I quit drinking for 121 consecutive days. I starved myself. I thought that I would go on hunger strike. I thought that I would sleep rough on Christmas Day. I was really angry and upset with the world. Self harm and substance abuse dominated my life for several months. I got into heaps of debt just staying alive.

I survived the winter. I got another job. My life was OK except for persistent suicidal thoughts. I hated the project I was working on but I persevered because I was in a lot of debt. I loved where I was living - every day in my apartment was like Christmas Day because the view was so awesome. Living by the river was an incredible privilege. I took a holiday and went kitesurfing. My quality of life was improving slowly.

I met somebody very special and fell totally in love. She accepted me for who I was, including the all the bad bits, such as my prior issues with substance abuse. She was the first person I'd been in a relationship with who'd been able to read everything about me on my blog and to understand my flaws. We had a good relationship. The project I had been working on came to an end and I was jobless again. I wrote and published my first novel - she proofread it and helped me with the ending and other ideas. She was very supportive and I was confident I'd find work again easily.

New Year's Eve watching the fireworks over London, sipping champagne on my balcony with the woman I loved - it seemed like the New Year was full of promise, but I was worried about getting another job and I was still in a lot of debt. There was a lot of pressure.

Disaster struck. I got deep vein thrombosis (DVT) in my left leg, which swelled up to twice the size of my right leg. My kidneys failed and I ended up in hospital on a high dependency ward having many hours of dialysis every day. The potassium in my blood spiked to a life-threatening level and I was constantly at risk of cardiac arrest. I was very sick.

My stay in hospital caused me to lose my job. Losing my job caused me to collapse psychologically and become very depressed and despondent. The DVT had caused terrible nerve damage and I had a lot of neuropathic pain, as well as a numb left foot. I started to become dependent on painkillers. I sought powerful antidepressants for my low mood. Pictured on the table are: codeine, dihydrocodeine, tramadol, diazepam, alprazolam, mirtazapine, venlafaxine, dextroamphetamine, zolpidem, zopiclone and pregabalin, which are all highly addictive. Because of this cocktail of prescription drugs I suffered an episode of medication-induced mania - temporary insanity - and broke up with the love of my life.

I ran out of money. I had to pay a huge tax bill and I had to go even deeper into debt. I was virtually bankrupt. Out of desperation I was forced to put all my worldly possessions into storage and leave London to take a job in Manchester. The job in Manchester included an apartment as part of the package, which was lucky because I didn't have enough money to pay rent or a deposit - I was totally broke. Moving house and leaving London was incredibly upsetting and traumatic. The new job was extremely demanding and exhausting. I was very lonely and isolated in an unfamiliar city with no friends or family; no local connections.

I tried to commit suicide. I took a massive overdose: I'd been stockpiling my prescription painkillers and I knew that 8+ grams of tramadol was likely to be fatal. I sent a tweet when I believed I was beyond the point of no return. I thought nobody knew where I lived. I thought there was no chance anybody would get to me in time. I was wrong. I regained consciousness a few days later in a hospital's critical care ward on life support. I was later sectioned for 28 days and admitted to a Psychiatric Intensive Care Unit (PICU).

A doctor from Wales discovered my blog and invited me to live on their farm in a converted garage. I had no money, no car, no job. I had nothing.

I almost went bankrupt but a friend got me some work in Warsaw and in London. I was living in AirBnBs and working in the Square Mile from Monday to Friday and living in Wales at the weekends.

I bought a car, I got a local job, a local girlfriend and I rented an apartment. Briefly, I had everything I wanted and needed, although I went even deeper into debt. The pressure, stress and turmoil which I'd endured to get to this point was unimaginable; just to get to a position which most people would take for granted as the minimum acceptable things for a normal ordinary liveable life.

The local project ended and I was jobless again. The relationship ended. I papered over my bedroom windows and withdrew from the world. The journey had destroyed me. I was spent.

An obscene amount of money flows through my hands, but it all ends up in the pockets of those who I owe money to. I'm desperately trying to keep my head above water. The financial pressure is immense; unbearable. The journey has been incredibly long and arduous. There's still a very long way to go before I reach security and stability; before I'm comfortable, happy and content.

In the last year alone, I've managed to move house 3 times, work 4 different jobs, travel to 4 different countries, date 2 girls, survive a suicide attempt, be admitted to 3 different hospitals, quit addictive painkillers, sedatives, tranquillisers and sleeping pills, be arrested and locked in a cell, buy a car, rent a place to live, stay in 17 different hotels and AirBnBs, and somehow stay on top of my mountainous debts, not go bankrupt and even pay some of that crippling amount of money back. My only remaining vice is wine. I'm completely unmedicated and I don't abuse any substance other than alcohol. It's a remarkable journey for just 12 months, but the journey has been much, much longer than that.

In the last three years, I've written and published a million words and connected with thousands of people all over the globe.

To be precise, to date I've written exactly 1,001,020 words and counting, on this blog.

It's the world's longest suicide note.

If you want to understand why I'm suicidal you just have to read it all - it's all written down in exquisite detail. To save you the trouble of reading all 1 million words I've summarised the last 3 years for you right here.

The pressure; the stress; the exhaustion. Where is my reward?

I've travelled so far and I've achieved so much but yet I feel like it's gotten me nowhere. I should be rich but in fact I'm up to my eyeballs in debt. If you want to know where that debt came from, I just explained it to you. I didn't get into debt buying frivolous things and being profligate. I didn't make particularly bad choices. I'm not stupid. Where's the payoff for working so hard? Why did I bother?

My name's Nick Grant and I drink too much but otherwise I'm an ordinary regular guy. I do my job to a high standard and I'm liked and respected by my colleagues. I pay my taxes. I pay my rent and bills. I contribute to society as a productive member. I do ordinary stuff and have ordinary needs.

I'm 39 years old and I have nothing but debt. I have nothing much to show for my 39 years on the planet.

I'm lonely. I live a double life. The person I am in the office is different from the person I am in the comfort of my own home. Nobody at work would ever suspect that I've slept rough, been in trouble with the police, been hospitalised many times, been sectioned and had horrific problems with addiction. Nobody would suspect that my mental health has caused me horrendous difficulties when exacerbated by stressful life events, like divorce, moving house, losing jobs and everything else that's happened to me in the past 5 or so years.

My solution to the instability in my life was to create a backbone that has run consistently through my ups and downs: my daily writing. To have been able to write a million words has been immensely stabilising and has brought me into contact with so many wonderful kind and caring people. I quite literally owe my life to those who've followed me and my blog, especially via Twitter. Without this connection to the world I would be dead.

Today, I've crossed a seemingly arbitrary imaginary finishing line, in having written and published a million words in less than 3 years. It might seem ludicrous and pointless, but if you consider it in the context of the journey I've been on, you can see why I've wanted to document it.

If you've followed me on some part of this journey, I'm really grateful to have had your support. Thank you.

Tags: #writing #career #friends #socialmedia #publishing #homeless #mentalhealth #bipolar #london #suicide #depression #debt #addiction #drugs #nhs #hospital

This is a story about the food of the gods...

It was a spate of sensationalistic tabloid newspaper articles which first alerted me to the fact that you can buy super-strong high purity narcotics on the internet. It seems fairly obvious that the internet would sell drugs, given that pornography and escorts are readily available to anybody who looks online. It's a simple case of supply and demand.

Your average middle-class person normally has excellent life prospects - they're likely to be able to get a rewarding secure job, buy a house and afford to raise a family. Having a nice life is an excellent protective factor against the temptations of drink and drugs, although there are plenty of wealthy people who become alcoholics and junkies. Most middle-class people are afraid of drugs, because their insulated life never exposes them to the reality of recreational drug use and they wouldn't know where to find a drug dealer even if they wanted to.

Making drugs easily available on the internet lowers the barrier to entry. Being able to conduct a frictionless e-commerce transaction and have extremely potent drugs hitting your doormat the very next day, places a whole group of people who'd never normally be able to dabble - because they're insulated - in the position where there's a mountain of choice available at the click of a button.

Addictions don't generally take hold unless there are other social and psychological risk factors present. Being stressed, depressed, unemployed, having no hope, having relationship difficulties, family difficulties, money worries and a whole host of similarly unpleasant things, predisposes a person towards drug addiction - unhappy people are much more at risk of developing a habit, because their lives are shitty.

The first wave of legal highs were not very good - the stimulant drug BZP is a an anthelmintic... i.e. it's a worming treatment given to animals.

The second wave of legal highs was a huge improvement. Meow meow - methcathinone, mephedrone or M-CAT - swept the nation at a time when the average purity of street cocaine was less than 20%. Street drugs were terrible quality because of prohibition and the pressure on dealers to maximise profits, because of the risk to their life and liberty. Legal highs were the obvious solution in a capitalist society driven by supply and demand.

Methylone - βk-MDMA or beta-keto-MDMA - was the legal version of ecstasy, and for people who used to go clubbing in Ibiza when they were younger, it proved to be very tempting for former ravers, including myself. Being able to legally obtain an ecstasy-like drug via the internet, enabled me to resume safe recreational occasional weekend drug-taking, which had no negative effect on me or those around me. This was legal, victimless drug-taking in a capitalist society, where the drug was simply a product being produced in a factory and sold by a vendor to the customer - me - in exactly the same way as people buy Nike trainers.

Then, the government banned meow meow and methylone, along with a whole host of other chemical analogues.

For a while, I didn't care.

I went back to my drug-free existence.

I wasn't addicted.

But.

18 months later, I was incredibly stressed and I was having horrible relationship problems. I was depressed and suicidal. I was at risk of addiction.

I went onto a legal high website that I'd used 18 months previously and I looked for a product that was similar to methylone; similar to ecstasy. I wanted to feel better. I wanted something to lift my mood. I didn't know it, but I was very vulnerable to addiction getting its hooks into me.

I bought the number one bestseller on that website.

It was called "NRG-3".

I had no idea what it was.

I'm not stupid, so I did my research. I was away from home a lot because I was trying to raise investment for my startup. I researched this "NRG-3" stuff and it sounded horribly dangerous, so I decided to throw it in the dustbin as soon as I got home - it was sitting on my dining room table in the padded envelope it had been delivered in.

I went to a wedding.

I had an almighty row with my partner.

I decided I was going to kill myself.

I drove home from the wedding in the middle of the night, trying to build up the nerve to drive my car into a concrete bridge pillar at 100mph+. I had turned off the airbag in my car. I wasn't wearing my seatbelt. I figured I'd die instantly if I crashed at that speed into an immovable object.

I got home. I wasn't dead, but I was still suicidal.

There was the envelope.

...

The rest as they say, is history.

...

But what is "NRG-3"?

In America they call it bath salts. Sometimes it's sold as Ivory Wave. Now it seems to be called monkey dust, in the UK. There are also nicknames like flakka, gravel and zombie drug. It's all the same stuff. I call it supercrack.

The reason why I call "NRG-3" supercrack is because I don't really want to write anything online that makes the connection. I've written at length about how potent supercrack is, with a dose of 15mg lasting circa 18 hours, which means that 1 gram of supercrack is 67 doses. This drug is so ridiculously strong and so incredibly cheap that it seemed irresponsible of me to inform anybody of what exactly it is. This drug messed me up so badly that I didn't want anybody else getting curious and falling into the trap that I did.

The active ingredient in monkey dust is alleged to be a chemical called MDPV, but this seems very unlikely given how effectively the Chinese and UK customs have cracked down on the laboratories and supply chain, such that MDPV does not exist in the wild anymore. When the newspapers report that monkey dust is MDPV, they're just plain wrong.

Another chemical called a-PVP - α-PVP or alpha-PVP - is so similar to MDPV it's almost indistinguishable. When the Chinese shut down all the labs producing MDPV, they simply switched to producing a-PVP. Now, a-PVP has gone the same way as MDPV and it doesn't exist in the wild anymore.

There are zillions of analogues of MDPV and a-PVP, so monkey dust could be anything, but it's certainly related to MDPV and a-PVP. Monkey dust is not MDPV, as misreported by the newspapers, but it certainly has all the same effects, such as inducing stimulant psychosis - users hear voices and hallucinate. The psychosis is so powerful that people climb buildings and run through traffic to get away from the monsters in their head. The psychosis has lead to a number of grizzly deaths, hence why the tabloid newspapers have decided to run sensationalistic stories about the crazy escapades of monkey dust users.

The trend towards ever more powerful and ever cheaper drugs is a natural consequence of capitalism and drug prohibition. I'm definitely not pro-legalisation given that it does increase the risk that vulnerable people will become addicts if they have easy access to any drugs they want, but we have created a situation where those with crack, heroin and crystal meth addictions are beginning to realise that there are cheap alternatives, and the new drugs from the Chinese labs are incredibly pure.

Carfentanil can be bought via the Dark Web, which is a synthetic opioid so powerful that an amount the size of a pin head is enough to cause respiratory failure and death. Carfentanil is so powerful that it's considered to be a potential weapon of mass destruction, were it turned into an aerosol and sprayed in a crowded area. The Russians famously pumped carfentanil into a theatre full of Chechen rebels and hostages, killing at least 170 people.

The combination of Bitcoin, the Dark Web, Chinese factories, late-capitalism, austerity, prohibition and drug policies based on vote-winning and public opinion, instead of risk and good science, is creating a perfect storm where increasingly powerful drugs are becoming ubiquitously accessible at an increasingly cheap price. The situation is so bad that the US President has seen fit to declare a state of emergency. Emergency workers in the UK have declared the use of monkey dust as "an epidemic"

The synthetic cannabinoids - sold as Mamba and Spice in the UK - have ruined countless millions of lives and are used by almost the majority of homeless people and prisoners. The ubiquity of these psychosis-inducing cannabis replacements seems unaffected by the New Psychoactive Substances Act, which makes possession in a prison illegal, as well as criminalising the supply of the drugs. In such a depressed economic climate and with the dismantling of the welfare state, of course there will be countless millions who will become addicted to something which has proven far more addictive and destructive than the cannabis it was invented to legally replace.

All the trends point towards an ever-increasing proportion of society struggling with drug addiction, alcoholism, mental health problems, suicide, money worries, insecure jobs and insecure housing. Homelessness rates are soaring, living standards are declining, death rates are climbing and life expectancies are falling. It's a scandal. It's a disaster. It's a tragedy.

I struggle with addiction problems, although I've been 'clean' for a couple of months. Knowing that drugs are always readily available at the click of a button, but a secure job and a place to live are not, it seems obvious that the odds are stacked against people like me who are struggling. What's the best a person can hope for in such a dreadful economic climate? If you're suicidally depressed, of course drugs are going to seem more attractive than the life that's pushed you to the point of killing yourself. Drugs are simply a more protracted and drawn-out form of suicide, and most addicts know exactly what they're doing; they're choosing to kill themselves with drugs, because there's no better life on offer.

I read in the tabloid rags that a small bag of monkey dust can be bought for £2. I used to pay £27 for 2 grams of "NRG-3" which would last me anywhere between 2 and 3 months, so I imagine that a £2 bag of monkey dust lasts for 4 or 5 days, which - in an addict's mind - is incredibly good value for money, even if it's causing them to suffer powerful stimulant psychosis.

I've got a huge scar on my right leg where I fell through a glass roof in a classic monkey-dust story. I hid 80 feet up a tree with a massive shard of glass protruding from my leg, before descending and hiding in a bush in very unsanitary conditions. It's a miracle that I didn't bleed to death or subsequently die of septicaemia, shock or infection. It was exactly as the newspapers describe: superhuman strength, feeling no pain, hearing voices, hallucinating and being wide awake for days and days, with accompanying paranoia and strange delusional thoughts.

That I've been able to recover is only due to the fact that I've been able to somehow continue to work doing very highly paid jobs and the money I've earned has conferred considerable advantages. I've been very lucky to have had a guardian angel looking after me, helping to smooth over the enormous and virtually insurmountable difficulties associated with breaking the habit, detoxing and getting rehabilitated. Unleashing a powerful drug like monkey dust onto impoverished people is consigning them to an incredibly awful fate with little or no hope of escape. It's no wonder our emergency services, social services, police and mental health services are over-stretched, dealing with an avalanche of people who're using drugs like Spice, Mamba and monkey dust, because their lives are so shit, depressing and hopeless.

The social decay that we see and the conspicuous addiction and mental health problems that are putting such a strain on our first-line services, is a direct result of the collapse of our living standards and demise of any opportunity to work hard for a better life. The prospect of becoming crushed by spiralling debts, working zero-hours contract McJobs and not being able to afford rent and bills, is not something I'd wish upon my worst enemy. Of course people are going to become dysfunctional addicts when they're treated so appallingly, and there's so little hope of them ever owning a house and being able to afford to raise a family; there's so little hope of ever having the dignity of earning enough money to feel happy and secure.

Monkey dust is a hell of a drug, but there's no point in me warning people not to use it, because it's toxic circumstances that corral people towards addiction, not bad life choices or bad character.

Tags: #addiction #supercrack #monkeydust #nrg3 #drugs #mentalhealth #homeless

This is a story about the end of summer...

The days are getting shorter, the nights are getting longer and the hot sunny weather is being replaced by grey skies and rain. It won't be long before the shorts, T-shirts and flip-flops can be stored away again until next year, because it'll be too cold for summer clothes. It won't be long before the 9-month long miserable British winter is back.

Of course, I'm worrying about tomorrow's problems today. I should be enjoying the last of the summer, but I need to make hay while the sun shines. My health has been OK during the first month of my new job, but I never know when it's going to let me down. I need to earn as much cash as possible as quickly as possible, before I can relax and loosen the purse strings. I daren't take a holiday until I'm in a more secure position. I needed to make a good first impression at work and earn the trust and respect of my colleagues.

I wanted to go to Prague to see friends, but I'm postponing it until the summer holiday madness has died down. I wanted to go to Ireland to see friends, but I'm postponing it until I've got more energy for travelling. I need to have at least a 1-week holiday of rest and relaxation, somewhere peaceful with a pleasant climate. Everything has been put on hold while I re-establish myself and slowly refill my depleted savings.

The seasons can affect me horribly, but I haven't felt at all lifted by the summer months. I suppose I've had a whole series of summers where I've had horrific stress and upheaval, so I don't see summertime as a time to enjoy myself. Looking back over the past 3 Augusts, I've been working myself to the bone during each one, in a desperate attempt to gather enough cash to get through the dreadful winter months.

This year is unusual, because I've been working non-stop since December and I've got relatively secure income until next summer. In theory, I could relax a little bit, given that I now have a secure place to live and a small financial safety net. In practice, I'm so heavily debt-laden, exhausted and downtrodden from the demands of the past few years, that I daren't take my foot off the gas pedal for a single second - it's flat out all the way to the finish line, which is still a long way away.

I suppose if my health holds out until December time, I'll feel a lot of regret that I didn't enjoy the summer months at all, but if I manage to get to December without a major incident then I'll be quite comfortably financially secure, so I can take a luxury foreign holiday. It's hard to balance the needs of today with the huge prize of financial freedom, provided I can cling on by my fingernails for long enough.

I've worked full-time for 9 consecutive months without a holiday, and 25 consecutive months if we include periods where I was sick and unable to work. The relentless stress and strain of dealing with having to move house, change jobs and keep working, is taking its toll - my physical health is deteriorating. My skin is pale, I've put on weight, I'm unfit and I'm tired all the time.

September is a tricky time for me. In previous years I've attempted suicide, been hospitalised and lost jobs. It would be great if I could get through September without a major incident. I desperately want to jet off somewhere, but I think the most sensible thing to do is to keep up the rhythm and routine and try to break the curse. I successfully made it through Jinxed January this year, so I should be able to use my momentum to carry me through September.

On September 6th, I celebrate my 3-year blogging anniversary. On September 9th it'll have been a year since my most serious and near-fatal suicide attempt. On September 10th it's World Suicide Prevention Day. On September 19th it's my sister's birthday. If I can get through all of that without incident, and reach the end of the month, then I'll be really pleased.

In October the clocks go back and it really starts to feel like winter. I think it'll be impossible for me to get to the end of the year without a holiday, and I'll desperately need one by October. I might be stretching a little too far to manage to last that long without a break, but it would be amazing if I could have a 1-week break in late-October to lift my spirits and carry me to the end of the year.

November's just crappy. I've got nothing good to say about November.

The build-up to Christmas in December does improve people's mood, and things slow down at work - although that's not necessarily a good thing - but the festivities should hopefully carry me until the day when I can leave the country for a couple of weeks, in search of winter sunshine.

If I can reach December, I'll have been working full-time for a whole year without totally screwing up. I think it's important to know I can manage to work for an entire year without my health getting so bad I'm unable to work. Having more money means more security and less stress, so hopefully things will get easier and easier, although I'm dreading the worsening of the weather.

The important thing is to keep moving forwards and not to stop, because if I stop then I will lose my gains incredibly quickly. In the blink of an eye I'll be back in a financially distressed situation. In the blink of an eye all the hope and possibility will disappear. It's remarkable how hard I've worked and how much cash I've generated, but how little of it seems to have actually stayed in my pocket - it's all been hoovered up by debts and living expenses and otherwise greedily devoured by the vultures who prey upon me. I've got to run just to stand still.

Sure, the skies are reasonably blue outside and it's relatively mild, but I'm acutely aware that there are very tough times ahead.

It might seem churlish to complain when I've had enough fortune to find myself still in a position to be able to potentially recover and return to a pleasant life in civilised society, but I've worked my ass off through yet another spoiled summer, and I'm going to be working very hard for the foreseeable future. It's hard to get excited about the prospect of yet more months of hard graft, with very few things to look forward to. Obviously, everything is super fragile and I'm very anxious that one little thing going wrong could spell disaster.

Things don't feel sustainable or realistically attainable. I feel sick and tired.

Tags: #depression #SAD #suicide #homeless #debt #mentalhealth

This is a story about anhedonia...

I'm not under house arrest. I'm not in prison. I'm at liberty to do whatever I want. I don't have to spend my evenings and weekends alone. I don't have to spend my working day in the office. The reasons for my choices are too subtle for anybody who makes a lazy appraisal of my life to discern.

My attention span and ability to concentrate during periods of extreme boredom is very poor. My perception of time is warped to the point of being unbearably and agonisingly slow. I just want it to be December already. I want to press the fast-forward button and skip all the monotonous bullshit between now and then. I know where I'm going and I know how to get there, so there's absolutely zero enjoyment of the journey; in fact it's pure torture.

My summer has been spent at a desk, in a hotel room, or lying on my sofa. My whole year has been characterised by endless suffering in a desperate attempt to get back on my feet financially. I'm out of the danger zone, I bought a car and rented an apartment. Those are the highlights of my year. Now I'm just going through the motions until I have enough cash to clear my debts. I'm well paid and my financial position is improving rapidly, but my perception of the passage of time is so messed up that it doesn't feel like I'm getting anywhere. When I do the maths and work out how far I've still got to go, it seems ridiculously far away considering how much suffering and sacrifice I've gone through to get to this point. Suicidal thoughts are back.

It might seem like I've got the leisure time and the money to do anything I want, but I would never have survived as well as I have done if I hadn't had periods where I suffered. It's the suffering that equates to cold hard cash. Do you think they pay 6-figure sums of money for doing work that's fun? Do you think you get rich by doing stuff that you love? That's a fantasy for rich spoiled brats. Most of us have to suffer if we want to make a quick buck. The more you suffer, the more money you make.

"You can do anything you want. Follow your dreams" people say to me. It's not true. I have responsibilities and moral obligations. I'm trying to make things right and that requires a great deal of suffering. There are plenty of people who'd run away from their problems, and I'd know about that because I'm owed thousands of pounds by people who seem to think that it's OK to pick my pocket. I'm trying to do the right thing. I'm trying to do the honest and honourable thing. I'm doing things the hard way.

I have enough money at my fingertips to live a life of profligate luxury, but all that money is accounted for. I'm not living in a hovel on bread and water, sure, but I'm certainly denying myself a lot of lifestyle choices which would seem like just reward for my suffering. The whole point of doing a job that you hate is because it earns you a lot of money. One simply has to choose between a rewarding and fun career, or work that's extremely lucrative, and usually requires a high living standard to justify the awfulness of putting up with the dreadful day job. You can be a penniless artist, or you can sell your soul to the devil: that's the choice we all have to make.

Perhaps my job and the work I do is not wholly objectionable, but it jars with my psychological make-up. There's zero excitement and creativity; nothing is novel or interesting; I'm not challenged. The challenge is simply in withstanding the boredom and the monotony. I live with unbearable amounts of dread: I dread the intolerable boredom. I dread the endless waiting. All I seem to be doing at the moment is just waiting; killing time.

I feel momentarily excited by the prospect of spending a bit of money. I want to buy a microwave and a dehydrator for the kitchen. I want to buy some more wine glasses. I want to want to buy stuff, but I know that I'll feel buyer's remorse, so I rein myself in. That's unusual for me.

I try to get excited about how much money I'm able to save each month, but it's not exciting at all. Each day is such a struggle that I end up feeling depressed about how little I'm earning, even though I earn an obscene amount of money. I should be happy about how quickly I'm managing to dig myself out of the hole, but instead I'm depressed about how slow time is passing and how long it's going to take. December seems like an eternity away.

The problem is that I'm solving problems I've already solved. I'm doing things I've already done a million times before, so there's no doubt that I'll be able to do them again. I already invented very successful strategies for becoming rich and successful, and it irks me that I'm having to start my life over. I feel like I already won - which I did - so somebody should just give me my damn gold medal already, rather than making me run the marathon again.

Of course, I pissed away a huge fortune. I had the enviable pleasure of going on a total rampage for years, doing whatever the hell I wanted. I bought whatever I wanted, travelled wherever I wanted, never had to wait for anything and generally spent money like it was going out of fashion. Arguably, I've had the fun so I should now pay the price.

In fact, most of my financial woes come from a very miserable and mundane period of my life, where the money was spent on nothing more than general living expenses: rent and bills etc. When I've splashed the cash with gay abandon, I've always had a lot more of a memorable and exciting experience, than simply lining the pockets of the capitalists. My impulse purchases have always brought an amount of pleasure that was commensurate with the price tag. Whenever I get excited about something, there's usually an angle which is financially beneficial.

My life is austere. I'm not excited about anything. I'm saving a lot of money, but I'm thoroughly miserable.

My last big spending spree was buying everything I needed for my apartment - plates, bowls, saucepans, cutlery, kettle, toaster, kitchen knives, utensils and the myriad other things which are essential for daily living. There was little joy in it, because I already had a house that was packed full of everything I'd ever want or need. I was repeating something I'd already done and there was no pleasure in it. You'd be surprised how hard it is to start over from a completely blank slate. You take for granted so many little things you've accumulated over the years.

My life is hyper-efficient. I'm living the minimum viable life. If I break or lose something it's fairly catastrophic, because I have exactly as much as I need, and nothing more. Sure, my apartment is ludicrously large for my needs. Sure I could use public transport instead of owning a car. Sure, I could live even more frugally, but I don't think you're talking about a viable reality. There are homeless people who struggle to even protect a single backpack with some precious belongings, and they manage to survive. Sure I could survive with a single backpack, but it wouldn't be compatible with other parts of my life, such as working a full-time job in an office. If you're a homeless person sleeping rough, that life isn't compatible with civilised society. Society expects me to have fresh socks every day and a crisply ironed shirt... although I've managed to avoid buying an ironing board and iron so far [I use the one in the hotel].

I've temporarily halted any attempt to have a social life. I took some time out from dating and relationships. I'm estranged from my family, except my sister who I exchange a handful of messages with each year. I've put everything on hold until I'm in a better position.

I hated it when I was dating earlier this year, and I was being pummelled with questions about what car I drove and whether I owned a house. At the time I was living in somebody's converted garage, effectively homeless. At the time I was carless. At the time I was virtually bankrupt. Every question that was designed to tease out whether I'm rich and successful - and a good provider - was in fact a dreadful reminder that I'm not yet a secure member of civilised society. In the blink of an eye, I could be back on the streets.

Pride and self-esteem are at stake, but also people just can't cope with the idea that somebody's been through rough times and lost everything. People would think there's something wrong with me and I wouldn't be able to get a job or get laid. How many times have they hired a homeless person where you work? Never. I've survived because I've been sneaky enough to never let on that I've had incredibly awful stuff going on in my personal life, and nobody would ever suspect a thing because it just doesn't happen - no homeless person would ever be so audaciously brazen as to apply for highly paid jobs, as if they're a regular ordinary person.

This protracted pantomime, where I'm having to pretend like everything is A-OK in my personal life when in actual fact I've been one tiny slip-up away from begging on the streets for the whole goddam year, has been indescribably exhausting and trying. You might think that I'm being too proud, but I really promise you that my personal life problems would not go down well in the office; my run of financial fortune would be quickly curtailed if anybody knew how desperate I am.

I'm stuck indoors and it looks like a choice, but it's not a choice. Nothing in my life is a choice. It's all carefully calculated and necessitated by circumstances. My circumstances dictate my behaviour, and the constriction and constraint affects more than just my decision about where I work and what kind of work I do. The circumstances dictate my mood, and my mood is every bit as miserable and depressed as you'd expect of any slave and prisoner.

At least you can win a race. I'm not part of the rat race; I'm just trying not to lose.

Tags: #career #depression #suicide #stress #homeless #debt

This is a story about marathon running...

I'm quite pleased that I have this blurry photo capturing the moment when a stranger borrowed my iPhone charger in an airport. That stranger became my accountant and he's been on the journey with me, from a newly incorporated business to the point where I'm now turning over a 6-figure sum of money and making decent profits. My accountant has been one of the few constants in my life during a period which has been extremely wild and erratic.

Another particularly notable feature of the 5-year journey which has brought me - finally - closer to the point of getting back on my feet, is that I've never stopped moving. Through frantic and frenetic activity I've managed to avoid death, bankruptcy and a million and one other dreadful fates. By persevering with a very simple plan - to earn a lot of money as a consultant - I've managed to weather some pretty dreadful storms.

I admit that I did try to have myself declared unfit for work and to obtain the state welfare support I'm entitled to, but most people I meet seem to quickly form the opinion that I'm perfectly fine and healthy. Most people think I'm entirely capable of rescuing myself from even the most diabolically awful situations. It's pretty obvious that I haven't been enabled by anybody, although I'd be dead as a dodo if it wasn't for my guardian angel, who helped me move from London to Manchester, then Manchester to Wales, as well as being there for me during various hospitalisations and wotnot. To say I've arrived at the point I'm at today all on my own is not true at all. Of course I wouldn't have lasted 5 minutes without help and support, but I haven't received any of the help and support from the government that you'd think would be available to a vulnerable person - the safety net simply doesn't exist.

You would think that all your taxes which you pay would give you some kind of insurance, so that you wouldn't be penniless and homeless if you couldn't work. You would think that all that tax would mean that you'd be looked after if you were incredibly sick and vulnerable. Unfortunately, the welfare state is not at all kind to anybody who appears - with a lazy glance - to be of sound body and mind. Despite letters from GPs, psychiatrists and social workers, there are gatekeepers who are so compassion-fatigued and have so few resources to dispense to so many needy people, that there's no safety net at all.

Early intervention would have saved me a lot of near-death experiences, hospitalisations, contact with the police, wasted money, wasted time, wasted energy and health damage. Early intervention would have been far more cost effective than dealing with the consequences of assuming - incorrectly - that I'd cope just fine if I was simply left to my own devices; made homeless and otherwise abandoned by a nanny state which always promised to protect me, in return for the vast sums of taxes I've paid. I wasted a lot of time and effort on the mistaken middle-class belief that the welfare state exists for the sole purpose of protecting the vulnerable members of society. I thought - as so many middle-class people do - that I simply needed to ask for help from the relevant services charged with doling out lifesaving support and I would received what I needed.

It turns out that the UK operates what can only be described as a hostile environment for anybody who falls on hard times. It turns out that vast swathes of the civil service - with a mission statement to supposedly to help society's most vulnerable - are actually acting as gatekeepers and making it almost impossible to access any kind of help or support. Instead, the rigmarole is intended to frustrate, annoy and exhaust until you become disillusioned, disheartened, discouraged and generally lose faith in a government which promised to look after you in the event of an unfortunate turn of events, in return for a hefty portion of your income. The safety net turned out to be a lie and you'd better not waste too much time being angry and disappointed, because you're still broke and homeless... you have to find your own way to survive. No wonder so many people in the UK grow and sell cannabis or peddle other drugs - the black market economy provides much needed cash to society's most vulnerable, impoverished and desperate.

I suppose the argument would be that I could walk into a job quite easily, but that's pure stupidity. It's impossible to get a job and keep it if you're homeless and you have severe mental health problems. It's impossible to get a job when you're hamstrung by addiction and alcoholism. It's impossible to get a job and keep it when you're flat broke. It's a catch 22 situation. There are plenty of people who could theoretically get back on their feet, but they'll never be able to without some initial help and support - they need somewhere to live and some money; they need treatment for their addictions and alcoholism; they need time to stabilise their medication and get counselling for their mental health issues. Allowing people to become homeless - destitute - and to commit suicide is barbaric. Yes, it might seem to the wealthy ultra right-wing conservatives like it's some brutal form of social justice - survive or die; fit in or fuck off. Personally, I want my taxes to be spent on people who can't work, even if it means that I have less money to selfishly spend on myself. I want to pay into a national insurance scheme which creates a safety net for the most vulnerable and impoverished members of society.

In the second half of 2014 it dawned on me that I was wasting my time asking for help from the state, so I complied with exactly what the hostile environment was designed to do: I tried to go back to work. Naturally it was a disaster. You can't force sick people to work. Sick people can't work.

I've struggled along working for 4 hit-and-miss years. I've had a rollercoaster ride. I have periods where I'm working out of sheer desperation, which of course makes me incredibly sick, so I crash and burn every time. Because I seem blessed - or cursed - with the appearance of a man who's got his shit together and is doing just fine, I end up quickly embedded in huge organisations doing very important project work. Because of past achievements I'm given responsibilities which nobody in their right mind would dream of giving to a homeless, bankrupt, alcoholic junkie with mental health problems. The projects are hard enough, without also having to worry about where I'm going to sleep, whether I've got enough money to survive from day to day, and of course dealing with my mood disorder and all the of the problems associated with substance abuse.

Imagine doing an opiate, benzodiazepine and alcohol detox while working a full-time job. Imagine doing drug rehabilitation while working a full-time job. Imagine undergoing psychiatric treatment for severe mental health problems while working a full-time job. Imagine living in a 14-bed hostel dorm while working a full-time job. Imagine not knowing whether you'll be able to afford to keep travelling to work until payday - the ultimate catch 22, where you can't even afford to work your full-time job. That's been my life.

Some of the practical difficulties have been eased in the short-term with vast quantities of debt. I've borrowed heavily to be able to make my living and travel arrangements more compatible with working. I've gone deep into debt on the presupposition that it will enable me to earn enough money to dig myself out of the hole. In addition to the hard problem of working when seriously unwell, I've also had mountainous debts threatening to destroy me.

All of this is exactly what the government wants. The government wants us all to be heavily-indebted wage-slaves who live incredibly insecure lives, so we're easy prey for the capitalists. The government doesn't want us to get fat, happy and lazy. The government doesn't want us secure enough to be able to demand fair and reasonable working conditions and remuneration commensurate with the value of our labour.

I've worked incredibly hard, especially so during the last 9 months. I've earned a lot of money, but none of it has flowed into my pockets - it's all gone to pay the capitalists for their loans, which was the only way I could stay afloat and keep playing the game. If I'd declared bankruptcy I'd never be able to earn a decent wage ever again, rent an apartment or buy a house. The system's set up to screw you whichever way you go; you're forced to become a slave.

With gritted teeth and dogged determination it's been possible to struggle through 9 dreadful non-stop working months and get to the point where it looks as if I'm getting on top of things. I've had a period of what appears to be stability. You could be easily fooled into thinking that forcing me to work when unwell has actually proven the right-wing ultra-conservatives to be correct - that it's OK to economically enslave people; that it's OK to tell society's most vulnerable that they have to choose between starving on the streets, or a minimum wage McJob which won't even cover the cost of incredibly frugal living.

It might not look like it but I've actually done an incredible marathon run and I'm doing a sprint finish. It might not be immediately apparent but it's quite remarkable that I've survived what I've been through and I'm still going. I need to keep going. If I can't keep going then all I'll fall back into the hole as soon as I collapse exhausted in a heap. Every time I'm forced to push myself beyond the point which is sustainable and healthy there's always a price to pay. There's a price to be paid for forcing vulnerable needy people into work.

It might not seem like things have been very hard for me if we extrapolate backwards, but we need to think about where I've come from and what I've been through, not what my current situation and prospects are. My current situation is still pretty dire - there's a long way to go before I can retain my gains permanently; I'm a long way from escaping the debt trap and being free from tyranny. My health is not reliable. My future is incredibly uncertain.

I'm having a difficult time adjusting to the present paradigm. My brain and body are built for crisis mode. I'm able to deal with an endless precession of catastrophic events and survive disaster, but I'm struggling to adjust to the present situation, where I simply need to coast along now that I've re-established myself somewhat. I'm finding it incredibly hard now that I'm no longer in the danger zone - I'm on high alert and super tense, but the worst of my troubles seem to have passed. It's been a living hell but I've beaten the odds. However, I have absolutely no ability to cope with ordinary pedestrian, plodding, slow-paced and hazard-free life. I don't think I'm able to deal with boring daily routine, because my life has been in non-stop crisis for so many years.

So, I'm sprinting to the finish line. I never manage to find steady sustainable consistent marathon pace.

Tags: #homeless #debt #career #mentalhealth #bipolar #politics #capitalism #depression #suicide

This is a story about declining health...

My mental health can be tracked reasonably well by thinking about the periods when I was so extremely unwell that work became impossible, there are gaps in my blog and there's photographic evidence that I was having an episode of stimulant psychosis and sleep-deprivation induced insanity. The evidence of my naturally fluctuating bipolar mood is very obscured by other major events, including job loss, money worries and periods of relapse and addiction. There, however, periods when I've been functioning well enough to start getting back on my feet, although these have been quite short-lived and usually occur at some point between May and October.

I suffer from Seasonal Affective Disorder (SAD) as well as bipolar, so my tendency towards mania has started to become linked to the summer months. As my life became more chaotic and unmanageable, depression and drug abuse started to appear during the peaks and troughs. I've suffered winter relapses and summer relapses. I've also spent endless months with seemingly unshakeable and relentless anxiety and depression, which has been unbearable while working boring bullshit full-time jobs.

Through all the difficulties of divorce, selling my house, moving to London and attempting to get back on my feet - getting a new place to live and new job sorted out - I've suffered a whole series of seemingly catastrophic events which have always threatened to destroy me, but somehow every year I managed to do some good work and earn plenty of money.

By the time I arrived in hospital for the umpteenth time, I was completely burnt out by the demands of getting myself off the streets, into my own apartment and working on an extremely high pressure project for an incredibly demanding client. However, I was remarkably fit and healthy. My blood pressure and my resting heart rate both indicated an excellent level of fitness.

I suppose I knew I was fit. I had been lugging my luggage all over London, from hostel to hostel, because I was homeless. I cycled everywhere and I cycled very fast and aggressively - I loved the buzz of weaving through London traffic on my bike with handlebars sawn to the exact width of my shoulders. When there was a tube strike, I cycled all the way from North-West London to East London through the horrendous traffic jams. Cycling anywhere took me less time than it would have done by any other means of transport, with the possible exception of helicopter.

Even when I stopped cycling regularly I still did a lot of walking. To commute to my job in the City required a fairly long walk to my nearest Docklands Light Railway station, and a couple of times a week I had to visit a client in South London, which required even more walking. Seeing friends meant more walking. Going to the supermarket meant more walking. Seeing my girlfriend meant more walking. I maintained a reasonable standard of fitness through 2016, although not quite matching the preceding years.

In 2017 my health completely failed me and I was in hospital on dialysis for ages. Psychologically, I wasn't able to recover from the setback. I watched my savings dwindle depressingly quickly and I knew that I was going to end up evicted from my apartment; bankrupt and homeless. I knew that I couldn't face the exertion of pulling myself up by my bootstraps and getting back on my feet, yet again. I'd had a remarkable 2014, 2015 and 2016, where those years had horrendously bad periods, but also periods when I was productive and earning a lot of money. I hadn't been able to reach escape velocity at any point, and get myself back to a position of financial and housing security, with a dependable source of income. It had been an almost relentlessly shitty 3 years in terms of having the gains I had made smashed to smithereens. I had tried hard to make things work in London for a long time I'd run out of road - I had to leave to avoid total destitution.

I've amended the graph I made a short time ago to include 2015, so it can be compared and contrasted with more recent years. Every year used to look like 2015. It's quite plain to see how 2017 and this year are not showing my usual summertime boost at all. I'm having a terrible time in terms of fitness and physical health.

My brief stay in Manchester - August 2016 - was too short to say whether it could have been healthy, but I very much doubt it would have been. I didn't want to be there. The place was not inspiring.

Wales - as the data clearly shows - has not been a healthy move for me at all. The air quality is worse where I live than it was in Central London. There's little reason to walk anywhere - my local job was too far to walk and it was too easy to just drive everywhere. I live on a very steep hill, which is somewhat of a disincentive to walk to the beach, the shops or the pub, knowing there's such an uphill struggle on the way home. For 3 months I was commuting from Wales to London, which of course meant I was doing a lot of walking and carrying a heavy bag - I was starting to get fitter. The chance to work closer to home was too good to turn down, but when my mood wobbled and I had a rough patch, I've been very inactive since. I hardly left my apartment for the best part of two months.

My lifestyle now involves hardly any walking at all. I jump in my car on a Monday morning and park outside my office. I drive to a hotel where I stay 3 nights a week and I always eat in the pub next door. I drive home and I don't leave my apartment, except to walk to the nearby corner shop to buy wine and unhealthy snacks.

What people don't realise about London is how far you have to walk to get around. Walking to the tube station, then walking up and down the steps and through the various passageways that connect the different lines. I would always be prepared to walk further to get to my preferred places to eat and buy groceries. Dating in London always seemed to require quite a lot of walking. I'm not particularly inspired to socialise, date or in any way engage with the place where I live in Wales. I just stay at home, drinking wine and watching TV.

I've made a concerted effort to cut down my drinking to 3 nights a week or fewer. I'm changing a lot of things all at the same time, which is very intense and hard to deal with, but I think I feel a bit of improvement. When I started my new job 4 weeks ago I was having panic attacks and hating most of the time I was in the office. I felt like walking out and killing myself. I was drinking a bottle of wine or 4 pints of beer every single night, and twice that amount on Friday and Saturday nights. I was abusing prescription painkillers and sleeping tablets and tranquillisers, in a desperate attempt to cope with the stress and anxiety.

Now I've stopped taking the sleeping tablets and I've stopped drinking midweek. I've managed to get through a couple of weekends where I've limited my drinking to less than a bottle of wine each night. It might still sound excessive, but it's a huge positive change from where I was.

I went out for a walk a week ago, and this weekend I went for a longer walk and I socialised with friends. That's a big change from a few weeks ago, when I hated the idea of leaving the house for any reason except to buy another bottle of wine from the closest shop.

In London I stayed fit and healthy simply because of the amount of walking I had to do to get to my job and drag my groceries home from the shops. In London I stayed fit and healthy because of the intensity of the place; the buzz I got from travelling around the place.

I had feared that I'd completely slumped recently, and I was destined to become a fat blob of a couch potato. My drinking had gotten out of control and I didn't want to do anything other than lie on the sofa getting drunk.

I don't exactly feel motivated to join a gym or start doing sports, but we have to consider the relative improvement. Things are a lot better than they were.

I have my cerebral preoccupations. I work with my brain not my body and I have my writing to do every day after work, which is surprisingly exhausting. I hope that when I reach my million-word target in a couple of weeks, I'll be more relaxed about my writing. I'm starting to regain my confidence at work and I'm getting more relaxed. Hopefully I'll be able to have a holiday or two in the coming months, without too much worry about jobs and money - hopefully I now have reasonably secure income for the foreseeable future.

I'm going to have to take some more pro-active steps to get fit and healthy than I'm used to. In London I got fit just doing the things I needed to do, like getting from A to B.

In theory, I should have more time, money and energy to spend my leisure time being fit and active, because people work fewer hours outside London and the cost of living is a lot less. In practice, I'm struggling to re-adjust.

I know that getting fitter will be hugely beneficial for my physical and mental health. Baby steps though - it's important not to try to do everything all at once.

Tags: #health #fitness #london #SAD #depression #bipolar