This is a story about sonder...

Is it useful to have a realistic appreciation of your own insignificance? Is it useful to correctly perceive that you're not significantly different from any of the 7.6 billion other people on the planet, or the 108 billion humans who lived and died since homo sapiens first appeared as a new species? Is it useful to be conscious of your cosmological insignificance, where the entire human race will be obliterated so completely that it will be as if we never existed? Is it useful to understand the fundmental laws of physics well enough to know that there isn't going to be a technological breakthrough which might allow us to travel to another star when our sun dies? Is it good to know that in the long run, nothing matters, because we live in a godless universe with no afterlife, and we are destined to be forgotten?

Just as we might become aware that every other person has a rich and complex life of their own, we can equally become aware of humanity's wider insignificance.

Warp drives, wormholes, time travel, cryogenics and hypersleep are all lovely sci-fi fantasies, but we can't even solve the basics, such as the fair distribution of wealth so that we can all have clean drinking water and enough to eat. There isn't going to be a colony on Mars. We're as likely to kill ourselves in nuclear armageddon as we are to die because of runaway man-made climate change. Yes, we've made great strides in science and technology in recent years. All those advancements are being used for killing each other in increasingly nasty ways.

The population growth trends are easy to extrapolate, along with predictions about our ability to use the available land to produce food, leading to the unavoidably obvious conclusion that we're going to have mass-starvation of billions of people, in barely a couple of decades. If you like to trot out the tired old lines about what a monster Stalin was, you ain't seen nothing until you've seen what capitalism can do to billions. It's already easy to see what industrial capitalist society has done to the environment, causing all manner of extreme weather events and natural disasters, which are anything but natural, because things are exacerbated by man-made climate change.

It's easy for me to write about the need to show some restraint and forego some luxuries, because I've been lucky enough to have enjoyed those luxuries for quite a long time. What about all those people who haven't yet had a taste of Western imperialist decadence? Isn't it unfair that those who've only ever known poverty and deprivation will never get to live a decadent lifestyle?

Many in the guardian class would prefer it if you just damn well knew your place, and stopped trying to improve your standard of living. How else are the guardian class going to snobbily believe they're a cut above the rest of the society, if every man and his dog is able to have a nice lifestyle? Get back in your place, you proletariat scum.

Thus, we arrive at the new class warfare. We ALL think that we should be at the front of the queue, and we ALL know how to get there, thanks to the internet.

The internet is a humbling place. Where else can you face such an enormous deluge of individual people who all think they're special, unique and different? Everybody's going what they think is an important opinion to share; that they have a voice that needs to be heard. Everybody thinks they're good looking, talented, intelligent. Everybody thinks they're capable of original thoughts and ideas; that they're creative.

It's hard to maintain your own sanity when you see all those social media accounts controlled by all those individuals, who've carefully chosen their name, bio, profile picture, and then carefully creates and curates their own content, according to their personality and the image they wish to project. It's hard to be a homo sapiens with the same hardware that evolved 350,000 years ago, when the population was 99.999% smaller and we didn't have any technology except fire and pointy sticks. Our brains really aren't built to cope with constant reminders that we're an insignificant speck.

We might hope to build up our social media following - our celebrity status - and begin to broadcast ourselves to big audiences, hoping to make ourselves feel somewhat less insignificant, but it's delusional. A judge and jury might convict a person of a serious crime, locking them up for life, but all 14 of those people will die at more-or-less the same time, be cremated or buried. In 4 or 5 generations, those 14 people will be completely forgotten - the criminal will be indistinguishable from those who sat in judgement. For a psychiatrist to diagnose a patient as having delusions of grandeur, is also a delusion of grandeur - both are suffering from the delusion that they have any importance at all, when clearly they are both equally insignificant.

Significance is an invention of the human mind, as a coping mechanism for the increasingly inescapable realisation that nobody matters, nothing matters, we're all dead in the long-run and every piece of evidence that we ever existed is destined to be obliterated some completely, that even alien archeologists with futuristic gadgetry, would never know anything about our entire race; our whole history.

It's pure vanity to think that you're important; that you'll be remembered.

Tags: #depression #religion #physics #capitalism #politics #climate #economics

This is a story about the perception of time...

Smoke machines, lasers, fountains, stage lights, people in costumes, animatronics and a powerful public address soundsystem combine to create quite a spectacle, for evening entertainment in Turkish Disneyworld. There are lots of magical, surprising and delightful moments in this theme-park, with adjoining hotel, and there's lots to do. Time has passed quite weirdly slowly though.

It struck me that I won't ever relax and enjoy myself, because I'm extremely paranoid that something's going to go wrong and my paint-by-numbers simple plan to restore my life to debt-free, health, wealth and prosperity, is going to be ruined by something unexpected.

I suppose people who have borrowed heavily against their future predicted earnings, so that they could buy a house and a car, have resigned themselves to sleepless nights worrying about losing their job and being unable to make repayments, rapidly causing their entire comfortable existence to crumble and be irreparably destroyed by reposessions, bailiffs and a bad credit score. If you go bankrupt you won't be able to rent a place to live or get a good job, because of credit checks and general employment contract exclusions, discriminating against former bankrupts.

If you imagine that there's a safety net there to catch you, you're naïve. Every property you might hope to rent is not only barred to bankrupts, but also to anybody receiving housing benefit. "NO DSS" every single advert for every single property on the market, quite clearly states. Capitalism and banking are closing ranks, creating an system that goes beyond that of a hostile environment to actively create vast numbers of homeless, unemployable, economic lepers who can't get back into civilised society no matter how hard they try.

Legislation which addresses the rehabilitation of former offenders, is quite strict about who is and isn't allowed to know a person's criminal record. The system of credit checks and your credit file is firmly in the civil sector. The use of credit data is extensively used to discriminate against people. Those who are in receipt of state welfare benefits are discriminated against, wherever that data is available to the rentier class.

We are increasingly corralled into minimum-wage zero-hours contract McJobs, with zero security and insufficient pay to afford a basic standard of living, where every letter which hits the doormat potentially delivers an economically catastrophic blow. While wealthy ignoramuses far removed from the reality of daily life for ordinary people, imagine that the social problems must be due to poor budgeting skills, they simply haven't a clue what it's like to live your entire life not having any surplus money to set aside for unexpected demands for cash. If a person who's in receipt of £73 weekly income gets a £80 parking fine, how are they supposed to pay it?

Of course, I'm clearly far-removed from the struggles of poverty... or am I?

I am lucky enough to be able to survive more than 2 missed paycheques without ending up on the street, when ⅓^rd of UK people are not so fortunate. However, my so-called financial security is due to having access to a good line of credit, which is not the same as having a pot of savings for unexpected expenses. If I suffer another period without income, I slip deeper into debt and my miserable existence continues.

It might seem foolish to spend money on a new iPhone and a holiday, when I'm deep in debt, but I worked for 10 consecutive months without a nice relaxing break. The rewards for my hard work have come in the guise of a place to live and enough money to be able to travel to work, which aren't really rewards at all. The next big reward is going to be the repayment of a significant chunk of debt, which again isn't really a reward. Working relentlessly without reward is not a sustainable situation, so I've chosen to prolong my indebtedness a little bit, because I can't put my entire life on hold, eating cold baked beans and living in a cardboard box, for the sake of getting out of debt a little quicker.

There are many aspects of my attitude and behaviour which seem very vulgar. How dare I talk about poverty and financial distress, when I seemingly have a good job and spare cash? How dare I talk about money worries and the burden of debt? How dare I compare myself with people who are two missed paycheques away from ending up on the streets?

I've been on the streets. I've slept rough. I know how quickly everything can fall apart. I can tell you exactly how I'd end up back on the streets.

Yes, I can borrow to service the interest on my loans, but that only delays the inevitable temporarily. Yes, I'm seemingly quite employable, but there's no point getting a job which doesn't pay enough money to repay my debts. Yes, I seem to have access to enough cash for rent, deposit, car and other major expenses, but that cash comes from my credit facilities, not my savings.

I've been battling a toxic combination of ill-health and mountainous debt for far too long. I'm starting to feel like it's an unwinnable battle. Of course, capitalists, bankers and the rentier class don't want you to be able to escape your economic fate - they want you to be insecure, so that you'll accept a minimum wage zero-hours contract McJob and kindly donate 100% of your income in the form of rent, bills and interest on loans, to those who really don't need the money.

This week has gone really slowly.

This year has gone really slowly.

As it stands, there's a plan in place which will dig me out of the hole I've been stuck in for far too many years. It's heavily reliant on better luck than previous years. I really don't need anybody throwing a spanner in the works. I really don't need to find myself unexpectedly looking for work again, as has happened far too often in the past.

If it seems like I'm unaware of my good fortune - unable to get things in perspective - then it's due to the present discomforts. Of course, I may look back upon this time and be unable to understand what I was complaining about so much. Unpleasant memories always fade faster than pleasant ones. I'm sure I'll look back with some regret, that I didn't enjoy myself more along the way; take more pleasure in the journey.

It's hard for those who've gotten used to having money to relate to those who've gotten used to living in fear of the letters hitting the doormat, the phone ringing and the doorbell. It's hard for those who've gotten used to regular income, to relate to those whose unreliable health has meant that financial planning is hard, and regular mortgage payments have become a tyranny; fear of getting into rent arrears and facing eviction being a constant nightmare. It's hard for those who don't have mountainous debts to relate to those who know that their entire lives could be destroyed in the blink of an eye; how quickly a small debt can become a ridiculously huge sum of money once legal fees, court fees and recovery costs have been added on. Money - or lack thereof - can destroy a person like nothing else.

Yes I could have saved myself some money here and there, but the thing that's going to save me from my dire situation is not economising and budgeting... it's oodles of cold hard cash. The thing I need is for the coming months to go as planned, so I can keep working and keep earning money. You can economise and budget as much as you want, but 100% of nothing is still nothing. If you earn nothing, it doesn't matter how great you are at financial planning, you're in deep trouble.

One big variable is my health. My health could scupper my plans to work hard. Hence the holiday. Hence the rest.

It might seem wasteful to have spent 5 out of 7 days in bed, but I needed to recharge the batteries.

It might seem wasteful to have spent so much of the last year miserable, but I needed to pay off my mountainous debts.

If I could go to sleep and wake up next March, with no recollection of the intervening months, then I'd absolutely love to do that. I'd gladly give up all those many months of my life, to be able to press the fast-forward button and skip the anxiety-inducing and super-stressful, boring, monotonous and unrewarding bullshit in-between then and now.

Yes, I'm wishing my life away.

Tags: #holiday #debt

This is a story about biting the hand that feeds me...

This colleague of mine was holding an object which looked so much like a sex toy that I was compelled to take a sly snapshot. Trying to be as subtle as possible and not arouse any suspicion, meant that I did not compose my photograph as well as I could have done, but I offer you the cropped image below so that you're better able to imagine what I saw.

Is that any better? Attempting to photograph a colleague waving around a dildo-like object while filling a bottle from the water-cooler in my office, was somewhat hampered by the fact I spend my days on a secure campus with high fences and guards manning the gates, in a building which you can't gain entrance to until you've been through various in-depth background checks, to ensure you're the right sort of chap.

I'm sure there's something somewhere written in a contract or a code of conduct I've signed, which could be twisted and misinterpreted to mean that I shouldn't irreverently make light of my privileged position in the world.

People tell me I have a "good job".

People tell me to watch my step and button my lip, because "they" are monitoring my electronic communications and every word I speak and write.

We are well aware that GCHQ's mass-surveillance invades millions of law-abiding UK citizens' presumed automatic right to privacy, in the name of national security. We are all well aware that the police are using undercover officers to infiltrate groups of UK citizens who intend to exercise their right to unionise, strike and demand better pay and conditions. We are all well aware that the police share dossiers of intelligence with private companies, black-balling individuals, preventing them from being able to work in certain industries, because they are labelled as 'agitators' who are likely to attempt to turn the tide of worker exploitation by wealthy capitalists in favour of a fairer society. The oppression of the 98% by the 2% is state-sponsored, as proven by an overwhelming number documents compiled and paid for by the UK taxpayer.

This is paternalism in action.

Don't be distracted by the "patriarchy" BS - that's a clumsy, flimsy, pathetically obvious attempt to divide and rule. If there's one thing that the Brits are good at - empire builders - it's dividing people up into groups using arbitrary and imaginary lines. The British civil servant who drew the borders of Iraq and Kuwait had never visited the Middle East in his life.

Civil servants have decided that you're not allowed to privately own a snowplough; they've decided that an ambulance is not allowed to have an electric engine. Why?

Why the fuck are civil servants making these rules?

The Great Game.

It's all a great big game for a highly educated bunch of toffs who've had their egos massaged their whole lives and been told they're destined for greatness, but ultimately what they're left doing is creating a massive and impenetrable rulebook of totally arbitrary made-up regulations, which exist for no other reason than justifying the existence of a bunch of paper-pushing desk-jockeys, meddling in the affairs of every citizen of the kingdom.

I actually think the civil service is somewhat of a benevolent dictator for life; mostly harmless and well-intentioned.

I'd be a bit gutted if I was kicked out.

[Please note, that this is not an admission of where I work, who I work for, what I do, or any other overt statement which might tie me to my employer or client]

Even though it's not a real job, making up rules for other people to follow, enforcing those rules and generally policing other people's behaviour - perhaps even on spying on private law-abiding citizens - it's a little bit hard to argue the contrary position, that we don't need the organisations and the huge number of people who keep the country running. I'm not as much of an anarchist as I claim to be. I live a very happy sheltered secure wealthy life because I'm the right sort of chap and they tend to see me as one of their own and assume I'm on their side. Everyone assumes I'm a well-behaved conformist patriotic stand-for-the-national-anthem Queen-saluting fully-indoctrinated and sufficiently economically incentivised member of the paternalistic guardian class, such that I'd never be so insane as to step out of line and bite the hand that feeds me.

Do I plan to make mischief? Do I plan to commit sabotage? Do I have treasonous intent?

No.

You got me there.

I am a humble servant of Her Maj.

To connect my name with search terms such as "civil service" and "government" is recklessly stupid, one might say, but on careful inspection - by reading what I've written more closely - you can see that I have not revealed for a single instant who I work for and what I do for a living, specifically.

Meanwhile, I promise you that every single day I give dedicated service, to the very best of my professional abilities. I care about what I do. I want to make a difference.

For Queen and country. Ich dien.

Tags: #career #computing #work #capitalism #privacy #socialmedia

This is a story about misanthropy...

On this day 5 years ago, I tried to help a homeless alcoholic called Frank. I made a lot of notes. As my divorce disrputed my attempt to get my life back on track in London, dragging me back to Bournemouth to empty and sell my house, it destroyed my fragile new life and plunged me into the very world of homeless hell, which I had usefully compiled notes on. I did manage to help Frank, but ironically crosssed paths with him later on - as I was descending into hell, he was well on his way to recovery.

On this day 4 years ago, I got myself off the streets, out of the 14-bed hostel dorm, and back into banking. I went to Barclays, which quickly dug me out of debt and restored some long overdue health, wealth and prosperity to my life.

On this day 3 years ago, I went to HSBC and repeated the same magic trick of managing to get myself back off the streets, out of the hostel, into a lovely Thameside apartment, and out of debt. Feeling like my life was going well, I went to a hackathon to create technology solutions to the refugee crisis.

On this day 2 years ago, I was lying to my girlfriend and my guardian angel, because the project I'd been working on had ended prematurely and I hadn't bothered to get another contract. Instead, I had tried to treat my own depression with medication prescribed by an online pharmacy, destabilising my mental health - inducing hypomania - and causing a subsequent relapse.

On this day last year, I woke up as a resident of Wales for the first time since being born here. The day before, I had been discharged from a psych ward in Manchester, England, following a suicide attempt which was very nearly successful.

I'm pretty upset that divorce was such a destabilising distraction at a time when I desperately needed a clean break, and I'm struggling to forgive and forget my ex-wife and parents sabotaging all my hard work; destroying my chance to follow through with well thought out plans which were subsequenty proven to be correct and successful.

I can blame the Barclays thing not working out on a couple of idiots who got fired for trying to screw me over, but in all truth, I wasn't very stable. I was too outspoken. I didn't keep my mouth shut. I made mistakes in my personal life. I had lapses.

I can blame the HSBC thing not working out on the sheer pressure and workload of working on their number one project, while also dealing with homelessness and cripling debt. I can blame a friend who asked me to help him get a job. I can blame a few loafers who benefitted from my hard work. But, again, I was too outspoken. I wasn't at all stable. I was so exhausted and stressed that I was very strung out and very manic.

I can blame not wanting to immediately get another contract 2 years ago on the fact that the project had been so mind-numbingly spirit-crushingly boring, and I'd been so de-skilled, that I'd lost all self-confidence. I really couldn't face any more of the same awfulness without taking a break. However, it was still my so-called 'choice' to relapse and I knew the consequences were likely to be dire, although I kinda "got away with it" that one time.

I can blame attempting suicide and nearly dying on the fact that I knew instinctively that I was in deep trouble. The contract in Manchester didn't pay enough to get me out of debt. I knew I was going to get shafted by a very unpleasant and immoral wannabe Labour MP, who embodies none of the values of socialism. I was working too hard for too little reward, but I also made bad so-called 'choices' such as getting mixed up with a social group who mostly bonded over recreational drug abuse. There was no way I was going to be able to quit physically addictive sleeping pills, tranqulisers and neuropathic painkillers, as well as working a very demanding job which didn't even pay enough to make any kind of dent in my debts. Suicide was my choice, in the face of overwhelming odds stacked against me.

So, here I am in Wales.

What's going to be different this year?

I'm in approximately the same financial position that I've been in all those previous years. My mental health seems to be the same, swinging between suicidal depression and mania.

Just gotta keep my mouth shut.

Gotta make sure I don't go on any crusades, trying to save anybody.

Put on my own oxygen mask before helping others.

This year is different because I've been working for 10 consecutive months without a major fuck-up. Of course, there have been fuck-ups, but they haven't caused me to lose my contract or otherwise let my client down. I've delivered a couple of projects quite successfully, to the great satisfaction of my clients.

This year is different because I've had an affordable place to live of my own since March, and I don't have anybody mooching off me or otherwise trying to ride my coat tails. I don't have anybody pressurising me to subsidise their laziness and inability to make good on their financial commitments. I don't have anybody using my gas, electric, water, sewerage, council tax and broadband, and running up thousands of pounds worth of rent arrears.

This year is different because I've had contract extensions and managed to have consecutive contracts, such that I've hardly stopped working at all.

This year is different because I've been working on my skills and making myself more confident and employable. I've felt increasingly capable and good at my job, without getting too deep into the territory of delusions of grandeur.

This year is different because the pressure is markedly reduced and the stress levels are more manageable, despite crushing mountainous debts. There have been really awful times - such as renting a place to live - but I seem to be well established in a good routine now, such that I just need to keep turning the pedals.

I drink too much. I'm unfit.

However, in the space of 11 months I'll have managed to buy a car, rent an apartment, pay off £21,000 of debt, and save up enough money to pay a hefty tax bill. I don't enjoy living out of a suitcase, but I'm not slumming it anymore. I've been able to take a weekend break to see old friends in Prague and I have a week-long holiday to Turkey booked, which will be my first proper holiday for over 2 years. I stay in a nice hotel midweek and I eat in a gastropub. This is the self-care aspect, which didn't really get taken care of in previous years. There's no point working as hard as I do unless it's delivering some quality of life; I might as well just kill myself if life's going to be an unrewarding slog.

I sometimes can't believe what comes out of my mouth, in terms of the fucking rage which is somewhat pent-up inside me. This is a summary of the many false starts I've had, and nearly-but-not-quite moments, where it looked like I was going to make a breakthrough and get properly back on my feet. It's incredibly frustrating to repeatedly do the impossible - quitting addictive drugs, getting off the streets, out of the hostels and back into mainstream civilised society, while also dealing with a major mental health problem - and to see that there's nothing wrong with my approach per se. On paper, everything should go perfectly and quickly restore me to health, wealth and prosperity, but it does require a run of good luck, and that luck is very much dependent on the co-operation of other people.

Who do I want to blame? Capitalism? Banking? Bad bosses? Wimmin? Parents? Even friends?

I spend a lot of time writing very aggressive angry stuff.

I can't believe what I write.

Maybe this year won't be any different, because I'm a spoiled overprivileged vile bitter old man, who doesn't take any personal responsibility; I'm too quick to blame others.

We shall see. The story continues.

Tags: #frank #homeless #hostel #friends #banking #london #wales #capitalism #debt #career #addiction #alcohol #recovery

This is a story about pride and self-esteem...

At the start of December last year I was thrown a lifeline. A friend recommended me for a software project with an investment bank and I was awarded the contract. I flew to Warsaw using the last of my available credit. I ate sandwiches made in my cheap hotel room, spreading mayonaise on the bread with a shoe horn. The expenses of my business travel exhausted what little money I could lay my hands on, but I knew that it would eventually be a profitable gamble, even though it left me temporarily penniless. To be precise, for a whole month I had exactly £23 left available to me, having maxed out all my credit cards, my overdraft and my other borrowing facilities. I was flat broke.

We don't really talk about our debts.

Men regularly commit suicide because of their financial problems.

It's such a shameful thing, to be in debt.

It's so destructive to our self-esteem, being in debt.

The only reason why I've started to talk about my debts is because I see light at the end of the tunnel. Illness had reduced my average earnings to a pitiful level and the interest payment to service my loans was enormous, further compounding the problem. If you were to owe one penny at the time of the birth of Christ, with interest payable at 5% per annum your debt today would now be £9×10³⁸. Nine quadrillion quadrillion pounds is only £9×10³⁰ and there's barely a quadrillion dollars worth of 'stuff' in circulation, which is only £1×10¹⁵. To be precise, if we added up the value of all the banknotes, gold, silver, diamonds, houses, cars. factories, livestock, land and everything else which is supposedly tangible, it only adds up to £183,000,000,000,000, which is 1.83×10¹⁴.

This is why civilisations need to forgive debts, lest those civilisations collapse. Every civilisation that refused to forgive its debts collapsed.

When we start needing to use quadrillions and powers of ten to express sums of money, and the very best science, technology, engineering and mathematics graduate brains are all diverted into the time-wasting exercise of counting all those imaginary beans, it's time to wipe the slate clean.

I have a debt to a friend which absolutely must be repaid, because it's personal. That money was loaned without interest and was lent at considerable risk, as a vote-of-confidence in my abilities, and my friend's faith in my trustworthiness to make good on my promises and act with integrity.

The remainder of my debts serve as a barometer of how near to collapse our civilisation is. When our ordinary populace has to take on enormous amounts of debt just to live a normal life, it's a bad sign. When those debtors struggle to repay their debts, then the collapse of civilisation is imminent. There's no point repaying debts which are about to be scrubbed because money and the so-called economy have become surreal and ridiculous. There's no point repaying debts which weren't borrowed from anybody.

The vast majority of money which has been borrowed is not secured against any tangible asset. Most money was simply invented out of thin air. It's been a long time since we abandoned the gold standard: your banknote's promise to pay the bearer on demand no longer has any meaning whatsoever. The idea that not repaying your debts is somehow robbing a pensioner of their life savings is a dirty lie perpetuated by capitalists and bankers, which is simply not true.

It keeps me awake at night, worrying about how I'm going to repay my guardian angel, but I'm now at the point where I have saved enough money to clear my debt.

The shame of owing that money was killing me.

I couldn't write about my financial distress, because I couldn't see any way out.

I'm one of the lucky ones. I've been able to work off my debt. Most people who have huge debts will never be able to afford to repay them, no matter how hard they work.

We are at an inflection point. People are slowly realising that all their hard work does nothing except line the pockets of idle bankers, who invent money out of thin air, devaluing our currency to the point where the vast sums of so-called money in the economy is incomprehensibly vast except inside the electronic mind of a computer. Do you even know how many zeros there are in a quadrillion? It's a madness which has got to end.

This is a part of my story which is far more shameful and embarrassing than my homelessness and my drug addiction. To write about my debt is harder than anything I've written about to date.

Tags: #debt #banking #capitalism

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 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 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 daily habits...

The average amount of time my readers spend on my blog per visit is 3 minutes and 12 seconds. The average number of words in one of my blog posts is 1,318 and an average reader reads at 200 words per minute, so I'm writing double the amount that people want to read.

I'm lucky enough to have had a handful of very dedicated people who've actually read everything, from start to finish. It should be noted, however, that at least two of them were people who read as part of their profession, and they can probably read at about 1,000 words per minute.

The average casual reader doesn't want to read a 10,000 word blog post which was written in a state of sleep deprivation and mania, and published with very little editing.

Less is more.

People also want to read stories not rambling nonsense. When I was live-publishing a chapter of my first novel draft manuscript every day, my readers were hooked. During that period of November 2016 my blog became 'sticky' - visitors came and then stayed; they kept on reading because there was a story being told.

I've gotten into dreadfully bad habits during the past 25 days because I was so fixated on word count. Also, I've lost my way a lot this year, not really knowing what I was writing about, for whom and why.

I keep a list of writing prompts, which are generally just titles of future blog posts serving as an aide memoire of topics I want to write about. The topics are quite eclectic but usually revolve around social issues. Anti-capitalism, pro-socialism, anti-organised-religion, anti-natalism, anti-psychiatry and generally liberal and left-leaning sentiments are themes which often recur. I often write defensively about how people with mental health and addiction issues can participate positively in society and shouldn't be stigmatised, demonised or thought of as flawed or weak. I write a great deal about my frustration with the great futility and inefficiency of working doing bullshit jobs until the day we die. I often despair aloud about the total absurdity of wasting our finite mortal lives on utter nonsense. I can't hide my anger at being denied the opportunity to be an artist; to be creative. I feel trapped; I do not feel free at all and my resentment of the prison bars always seems to bubble to the surface.

I'm a writer. I create another little piece of my artwork every day. How could I possibly not feel free? Why do I want something I've clearly already got?

In fact, I'm an irrelevant commentator who's not even on the fringe, let alone participating in any political, social, artistic, creative, journalistic, literary or academic movement. I'm just a reclusive lonely isolated man who writes in obscurity, mostly unnoticed and unheard. I'm fighting what feels like an unwinnable battle, to have a say in my own life.

I'm practical and pragmatic enough to realise that art and writing is never going to pay the bills. I'm realistic enough to see that everybody is trying to get noticed and to promote themselves, with the hopes of being heard. I'm cynical and pessimistic enough to believe that there isn't a newspaper column, book deal or 'viral' event which would ever have enough of a life-transforming impact for me to be able to quit my day job. There's simply not enough room at the top for everybody who wants to be a bestselling author, award-winning journalist, entertainer, commentator, influencer, politician or otherwise have some impact on people's daily lives and a pleasant and rewarding career in the creative arts.

So, in my infinite frustration with the ways of the world, I'm taking what I want. I'm doing what I want to do anyway, even though it's costly to me and doesn't appear to benefit me in any obvious way. I spend my precious spare time writing, editing, proofreading and publishing my creative efforts, and giving away what I write for free. In many ways, I am an enemy of those who have enough trust fund money and inherited wealth to be able to be artists, because my contributions must surely devalue the commodity.

I write because there's only one thing I can possibly get: exposure. If I write enough, slowly but surely I get noticed. Writing and publishing a million-word suicide note is a ludicrously hard thing to do, so it's notable.

Have you ever noticed how overnight successes actually take very many years to perfect?

My next challenge is to try to make my readers feel that it was worth their while visiting and reading.

Tags: #writing #socialmedia