This is a story about peaks and troughs...

My story begins exactly 8 years ago, on May 4th 2011. I was the CEO of a profitable startup with prestigious clients paying to use my product. It was my idea, I had designed & implemented the system and I had successfully done deals with big companies. I had just started a TechStars accelerator program in Cambridge, run by Jon Bradford and Jess Williamson, and I was about to meet 46 mentors in week of "mentor madness" which is like speed dating, to hook up startup founders with experienced successful people from the tech industry, who were kindly offering to help 10 lucky teams on the TechStars program, along with my co-founder and I.

I was surrounded by super-smart people in Cambridge. My startup was growing very fast and I had done a great job of getting the company to where it was with very little help. I was hot property - a pin-up for the UK startup scene.

My co-founder was a much more likeable and charismatic guy who once ran a karaoke bar and had a far better temprament for being CEO, but I wanted the glory of having that coveted job title for myself. I emphatically rejected the suggestion that it might be better for the company if we were to switch roles, and I was to take the position of CTO. Fundamentally I'm good at technology, but not necessarily the best people person: I had, for example, already managed to make my co-founder cry in front of a Google executive. As CEO, I was pretty vicious and ruthless, because I was so desperately ambitious.

This particular May 4th, in 2011, was a moment when my potential net worth was at its highest. This was my golden opportunity to make my millions.

This next picture is taken exactly 5 years ago, on May 4th 2014. I had just woken up in the Royal Free Hospital, Hampstead, London. This is the view from my hospital bed. I was surprised to be awake, because my kidneys were failing, my liver was damaged, there was a lot of fluid on my lungs and my heart was not functioning healthily - I had arrhythmias and my blood pressure was dangerously low. I hadn't expected to survive the night, so it was nice to be greeted by such a pleasant view in the morning.

By this point, I'd had to resign as CEO, sell my share of the company that I founded. The company still continued to trade very profitably without me and was getting big-name clients, but I had failed, personally. My co-founder stepped in and did a great job of smoothing things over with our investors and our clients, but my own reputation was damaged and I was heartbroken; ashamed.

I had just gotten divorced and sold my house.

My dreams were destroyed: I lost my company, my wife and my house. I tried to kill myself. That's how I ended up in hospital. I was lucky to survive.

Exactly 4 years ago, on May 4th 2015 it seemed like I was getting my life back on track. I had been doing consultancy work for Barclays, which was very lucrative. Jon Bradford - the guy who ran the TechStars startup accelerator in Cambridge - had written about how I'd "sold out" and gone back to the world of banking and the easy money that was to be made in the Square Mile and Canary Wharf, which was hurtful. I was not happy. I knew I had sold out, but I needed money to pay the bills. I was couch surfing and living in AirBnBs. My life was chaotic. I loved being in London, but it was tearing through my dwindling savings and I was still heartbroken about my divorce and losing my company.

This photo is interesting, because it predates one of the most insane moments of my life. I was so exhausted and sleep deprived, that soon after this photo was taken I started hearing voices and generally suffering a major psychotic episode. My mind completely capitulated and I was lost to madness, briefly. It seems very strange now, writing about it, when I consider myself to have pretty good mental health, but at the time - 4 years ago - I was extremely unwell.

Exactly 3 years ago, on May 4th 2016, I was skimming stones into the Thames on this little rocky 'beach' on the banks of the river, by my apartment. A lucrative contract with HSBC had allowed me to get an apartment with the most stunning views over London and my life was starting to improve.

I had been an extremely passionate kitesurfer, which had taken me all over the world, seeking out the best wind and waves. During my divorce, having to step down as CEO of the company I founded, and the period when I was very unwell, I hadn't been doing any kitesurfing. Living by the river on a part which was tidal gave me back the connection to water which had been missing from my life. A friend came to visit and was even brave enough to kitesurf from this 'beach' despite the Thames being a particularly treacherous waterway to navigate, especially without an engine - the wind was gusty and unpredictable, but he managed to kitesurf on a 'beach' right in the heart of Central London.

Soon after this pleasant evening skimming stones into the Thames, I went away on a kitesurfing holiday to a desert island off the coast of North Africa, and had a very enjoyable time. 2016 was a good year. I made a lot of money and I had some very nice holidays, as well as meeting the love of my life.

Exactly 2 years ago, on May 4th 2017, I managed to trick my doctor into prescribing me an antidepressant combo called California Rocket Fuel. I'd had a rough winter where I nearly died from DVT which caused my kidneys to fail, and consequently I had lost a lucrative contract with Lloyds Banking Group. My life had been miserable, with a great deal of pain from the muscle and nerve damage from the DVT. I hadn't felt well enough to be able to work.

The love of my life was doing amazingly well in her career - in politics - and was appearing on an almost daily basis on TV, while I was limping around on crutches and taking a lot of very powerful painkillers. I was depressed and I wanted the very most powerful antidepressant I could get, which I discovered was "California Rocket Fuel" by doing some internet research.

I have bipolar disorder. People with bipolar disorder are not supposed to take antidepressants without a mood stabiliser. Doctors are not supposed to prescribe antidepressants to people with bipolar disorder. I had to be extremely sneaky to obtain this prescription, and it was rather cruel how I manipulated the poor unsuspecting doctor into seperately prescribing me the two medications, which are combined to create "California Rocket Fuel".

The result was predictable: Mania.

I went incredibly manic and my behaviour became erratic. I broke up with the love of my life.

. . .

That's the end of the pictures

. . .

When I later regained my mental stability and reflected upon what I had done, I realised I'd made a terrible mistake and I tried to get back together with the love of my life, but my behaviour while manic had been so inexcusably awful that I had ruined any chance of that happening. Agonisingly, she said she still loved me and wanted to take me back, but her family, friends and work colleagues would've been apalled that we were back together again. "If you love them, let them go"... it's been devastatingly hard, but I've tried to come to terms with losing the love of my life, and acknowledge that it'd have been very unfair on her to pursue her after what I put her through.

I left London doubly heartbroken, having lost the love of my life, and leaving the city I've spent most of my adult life in. I love London, but it was time to leave.

Since leaving London, my life has been erratic and unstable at times, but putting the pieces of my broken heart back together again and rebuilding myself to a position of health, wealth and prosperity has been a lot easier than it was in the capital. London placed an enormous amount of stress and strain on me, to generate vast quantities of cash to maintain a high standard of living.

Today, May 4th 2019, I have a fabulous standard of living. Maybe I'm not going to be a millionaire CEO. I've loved and lost a wife and a love of my life. I've nearly lost my life during some very bad medical emergencies. I've nearly lost my mind. However, despite all the adversity, I'm wealthy, I live in a beautiful big house and I'm reasonably successful when I'm dating, so I see no reason why I'm not going to end up with a very enviable life. In fact, I already have a very enviable life.

We expect our lives to take a linear path; continually improving as we get older. My life has been chaotic and unpredictable. My life has been through boom times and and bust in the most extreme way imaginable. I'm 39 years old and I didn't expect to be alive this long. There have been devastating moments, which I thought would destroy me, but they haven't. I thought my bipolar disorder would make my life so unstable that I wouldn't be able to regain control and have a good quality of life, but my life is really awesome and it keeps getting better, although it does take a lot of hard work to maintain stability.

I suppose this overview of an 8 year period of my life, told using 5 pictures, is not going to do justice to the complete story, which is full of hair-raising gory details, as well as some moments of sheer delight, but this brief synopsis does at least give the reader a little insight into who I am, without having to read all the [literally] million words I've written and published on this website.

May the fourth be with you.

Tags: #career #startups #startuplife #london #banking #relationships #bipolar #apartment #medication

This is a story about buyer's remorse...

A large part of my day was spent buying things of a very boring domestic nature. I bought curtains. I bought a vacuum cleaner. I bought an iron, ironing board and washing airer. I bought some plastic bins which organise my recycling into plastics, paper & cardboard and glass.

I got a bit carried away and started buying things which I have no urgent need for. I bought a coffee table. I bought a couple of lamps. I even bought two deckchairs for the garden, because it's been a beautifully sunny day and I thought I should be enjoying the brief period of nice weather in the UK, instead of being indoors.

I bought extra glasses, plates, cutlery and other little things, like nice wooden coat-hangers and some tiny shelves to put my toiletries and things on in my bathroom. I bought a new toilet roll holder, because the suction pad on the old one seemed to have failed completely.

I bought pillows and bed linen.

Who knows how much I spent.

While I was in Ikea I was looking at a sofa-bed which cost £140, which sounded very reasonable to me. I am not a price sensitive person. Whether something sounds "expensive" to me has been shaped by the privileged wealthy existence I've led. More than £20 on a bottle of wine is "expensive" from a wine merchant, but does not seem expensive in a restaurant. My purchases are generally categorised as either approximately £1,000, less than £500, approximately £100, or less than £50.

When buying something for around £1,000 I simply ask myself "is this a valuable thing?". For example, my laptop cost me £1,400, but I bought it without hesitation because I use it every single day and it's a tool of my trade - why would I even think twice about buying the very best available?

When buying something for under £500, I think much more carefully. Generally at this price point I make a lot more buying errors. I bought a £200 vacuum cleaner today, simply because it was a good brand. I have no need for a good vacuum cleaner - I only hoover once a month and I live alone so my house doesn't get very messy - so I could easily have managed with a £60 hoover, but my wonky thinking says "why worry about the £140 price difference? Just get the Dyson".

When buying products for circa £100, I don't make a lot of buying errors. My coffee table cost £90 and it's definitely worth £90 to me. To spend time trying to find a cheaper coffee table I like just as much would have been a waste of time. My curtains cost £90 and they're perfectly good curtains. In fact, the curtains block out the light really well and it was a really simple purchase - they were the right size and I didn't even check the price - I knew that they'd cost somewhere between £50 and £150. Perhaps if I'd got to the checkout and they turned out to be £200 I'd have felt like I made a mistake and should have thought about the purchase more carefully, but at £90 I feel like I'm much happier that I have curtains in one of my guest bedrooms, rather than no curtains - the value is hard to measure, but I'm definitely getting more than £90 worth of value out of the curtains.

Most of my purchases are less than £50, obviously. There are subtle gradations not worth exploring - for example, if I was charged £6 for a takeaway coffee I would think "damn that was expensive I won't go there again" but I wouldn't worry about it too much, but if the coffee was £4.50 then I wouldn't care. Similarly if I bought a sandwich and it cost £4.50 then I would pay the money and not worry about it, but if it was £6 then I'd be thinking "damn that's an expensive sandwich". To think about my price insensitivity at this level is too much detail to write about in the scope of this essay.

So, with the sub-£50 purchases, I spend more time thinking about things than the purchases which are circa £100. If I'm choosing a really nice bottle of wine, I'll agonise over the choices and probably buy a bottle costing no more than £25. Similarly, if I see some bed linen that I like but it costs more than £50 then I'll see it as overpriced and gravitate towards items which are priced less than £50. I bought a set of plates and bowls for £25. I bought a set of cutlery for £25. Comparable items could probably be bought for £10 less - saving me £20 overall - but I still feel like I got value for money. When I was unpacking all the knives, forks, spoons, etc. then I was thinking how much of a difference it's going to make to my life, to have an adequate amount of stuff to fill my dishwasher without leaving myself with nothing to eat with. Every purchase I made today under £50 felt like very good value for money, including an iron which will get very little use. Why do I need a fancy iron and a fancy ironing board, when I do so little ironing? It simply seemed like good value for money that I was able to buy high quality items for under £50.

Cumulatively, I've burned through a ridiculous amount of cash getting myself set up in my new house.

Most people, when they move into an unfurnished home and they don't have any kitchenware or other things like that, will buy things little by little. Most people will spend a lot of time choosing every single thing they have in their house. I'm not like that.

Of course, I'm particular about what I buy. I'm fussy about things. I'm house-proud and I like to think I have good taste. I very much wanted to share photos of all the little things which are slowly turning my house into a lovely home, but that will have to wait for another day - I don't want to spoil the surprise.

The catalyst for my money-spending and nest-making is that I have two beloved friends coming to visit soon, and I'm a house-proud person. I got this gorgeous house because I knew that it would immensely improve my self-esteem to be surrounded by some material representation of the hard work that's gone into getting myself this far in life. It might sound superficial and flawed, but it's very upsetting to be a smart person who's worked hard, but seemingly has little to show for it. If I'm showing off to my friends - that I have good taste - then I don't care. I want to look after them and make them comfortable in my home. I take enormous pleasure from being a host.

I can't stop to think about how much money I've spent getting my life rebuilt. I don't see the value in totalling up all the money I've burned. What use would it be? I could have scrimped and saved a little here and there, but I've not been profligate. Every single stupid domestic item brings me a little bit of joy, even if it's a washer/dryer, a vacuum cleaner or an iron... all these nice things cumulatively give me a nice life, which seems to correspond with the dedication to my career.

I rode my bike to meet a friend earlier in a local park for a picnic - a bike which is worth more than my car - and it brought me such a huge amount of pleasure to ride a bike which has been so heavily customised by me. The bike was one of the last purchases I was able to make before I became totally homeless, and yet I never regretted spending a significant sum of money on it. As I cycled home this evening, there was indescribable joy in the enjoyment of a bike which had spent a long time unused - when I was very sick - but has now been fixed up, and I'm able to use for the purpose I designed and built it for: urban life.

My colleague commented that my bike was "exactly what [he] expected [me] to turn up on" and that's completely the point. My home and my bike, for example, are an expression of my identity, and it's a deeply unhappy situation when we're forced - for example - to wear clothes which don't fit us and are not to our tastes. We should not underestimate the psychological damage that's done when we're forced into situations which clash with our identities.

My burn rate is obscene, but I'm aligning my identity with my surroundings, after a very long period where I was caused a great deal of distress by the economic limitations imposed upon me. Of course, I slept rough, slept in hostels and wore the cheapest clothes I could lay my hands on, in order to be alive today, but we shouldn't underestimate how intolerable that situation was at times. We shouldn't dismiss the self-esteem damage which drives people to commit suicide, as something which we can easily get over by simply suspending our identities and our need to choose our clothing, our home furnishings and decorations, which seem like such superficial things, but on closer examination, I can tell you for certain are vitally important.

I'm sorry if you're on a low income and what I have written seems disrespectful towards money, and indeed towards you and your struggles. Perhaps the money I "waste" is offensive to those who would gladly trade places with me, and would make much more considered decisions about spending... they would spend much more time bargain hunting, scrimping and saving.

I have a very unusual attitude towards money, perhaps because I can tell you precisely what exactly money is and where it comes from, because of my many years working in the banking industry, and of course because I've experienced long periods where I had more money than I needed... but please remember that I've also lived at the other extreme, where I was homeless and penniless. I do know how to live on a very tight budget, and indeed live on no money at all - I've run out of money plenty of times.

I shudder to think how much I've spent recently, but I know that it's been a long time since I made a foolish frivolous purchase. Sure, I have a lot of nice things but all my recent spending has been on very humdrum domestic items.

My approach to live is the same as it's ever been: high risk, high reward. As I slowly recover from years of illness and chaotic life, my surroundings do not look humble and ordinary. Why the hell should they? One slip-up and everything comes tumbling down, so perhaps I shouldn't be splashing the cash, but at the same time, why would I want to settle for mediocrity when I've worked so hard to achieve something special? It would be the most miserable thing, to end up with a life I could've easily had, without any hard work.

Of course, in conclusion, I must add that I know how much of a charmed existence I live. Lady luck has been kind to me. I hope that if you were to really get to know me - what I've been through and how hard I've worked - and you were to see the life I lead, then you'd say that I'm not entitled or spoiled; that my lifestyle is not excessively lavish, luxurious or recklessly profligate.

I've written three times as much as I intended, whilst sipping a glass of red wine from a bottle which cost somewhere between £5 and £35... but I can't tell you how much it cost because I'm pretty price insensitive in that price range.

Tags: #career #capitalism #banking #newhouse #moving

This is a story about borrowing money...

If you speak to anybody on low and middle incomes, they will tell you that debt is bad. Particularly, poor people are made incredibly poor through money-lending practices. Amongst the economic bottom 50% of people, you will hear them say things like "watch the pennies and the pounds look after themselves" and "don't borrow money" and generally disparaging comments about the whole business of going into debt.

Poor people are wrong about debt.

Borrowing money can make you rich.

The problem is that the terms on which poor people are offered borrowing facilities are grossly unfair. The richer you are, the cheaper it is for you to borrow money. The poorer you are, the more expensive it is for you to borrow money. At a certain inflection point, it becomes uneconomical to borrow money, because the terms are so bad. Generally, poor people can only borrow money on such incredibly bad terms, that it's a trap - they shouldn't take those loans, because they'll end up worse off.

Thus, we have a paradox. If you're rich, you should take the cheap loans you're offered. If you're poor you shouldn't take the "credit" that you're offered, because it's always a really bad deal which will leave you worse off.

We are living in an era of ubiquitous legal loan-sharking, where tiny debts can ruin lives and cause suicides.

Small loans - interest-free or at very low interest rates - can make an incredible difference to a poor person's life. The costs associated with being poor are horrifyingly unethical: the poorest in society will have to pay numerous punitive charges and borrow money at extortionate rates of interest, as they desperately struggle to meet very basic day-to-day costs, which would require borrowing facilities of a very meagre amount.

Imagine if we gave every poor person a £1,000 interest-free overdraft facility, for the purposes of cashflow. Of course, the worry is that people would borrow that money and spend it frivolously - on consumables - but if we study the behaviour of the poorest members of society, we can see that they are incredibly economical with their money. It's amazing how the poorest can make so little money go so far, and generally when they get into a financially distressed situation, the sum of money which has tipped them over the edge is pilferingly small.

How we stop people from using their £1,000 borrowing facility to buy themselves a stupid gadget, or spend it on drugs and alcohol, is not a question I think we need to answer. I think that we are all equally capable of being financially reckless and irresponsible, and the answer to the risk of a few, is not to impose a horrible life on vast swathes of society.

It angers me that the richer I get, the more money I can borrow, and the cheaper it is for me to borrow it. It's unjust. The poorest segment of society is being harshly punished for no good reason, except they're unfortunate enough to be poor, which is not their fault.

In fact, being able to borrow enough money to live for 2 months without a salary, and pay rent and deposit on a new place to live, would allow people who are trapped in low-paid jobs in deprived parts of the country to be able to relocate. A temporary bridging loan to cover those expenses, while the person has a gap in their earnings and extra expenses, would allow people to move, who otherwise are completely trapped because they can never miss a paycheque, and they can't afford to save up the rent and deposit necessary to move from one home to another.

Debt made me rich, because I've been lucky enough to go into debt while pursuing financial opportunities. Through borrowing, I've been able to move to find well-paid work. Without credit facilities, I'd have been bankrupted and therefore unable to work through any temporary dip in my earnings. On average, my earnings are great, but once you're in the situation where each monthly pack packet is immediately spent on rent and bills, you are completely trapped and it's impossible to escape.

Debt is dangerous, for sure, if you're using your credit cards to live an unsustainable high-roller lifestyle, but I doubt that many people are so foolish as to do that. Should so many people be made to suffer a horrible existence, because we're so afraid that people will be financially reckless if we give them the freedom to move around and get better jobs? It seems as though it's another example of capitalism not being efficient at all - people are not free to sell their labour to the most competitive bidder, because they are so horribly trapped.

Tags: #debt #capitalism #banking

This is a story about acting unconscionably...

I'd like to tell you that I had an enjoyable evening picking out a sofa and a bed, which I need for the house I'm hoping to rent soon. Certainly, I visited IKEA and I did photograph a couple of items of furniture which I liked, and I lay upon two or three different mattresses, plus I sat down a couple of times to see how comfy some particular sofa cushions were. However, I was mainly visiting to purchase a chest of drawers, to replace one in my current rented home.

How the white IKEA chest-of-drawers came to be discoloured is something of a mystery to me, but there's a noticeable yellowish tinge which I'm certain was not there when I rented the place, roughly a year ago.

I'm not happy to hand the keys back to the landlord, and leave it up to him to replace the chest-of-drawers.

Technically, it's wear-and-tear. Technically, my landlord should expect to have to do a certain amount of property maintenance each year. Technically, it's not at all clear whether I'm at fault for the discolouration of the chest-of-drawers, or perhaps it was some manufacturing fault.

Whatever. I feel responsible. I feel like it's my responsibility to hand back the keys to the place in more-or-less exactly the same state that it was rented to me.

I've been a good tenant.

I always kept the place pristine.

I've always paid my rent on time.

I've always fixed any problems I found, not wanting to hassle the landlord.

I've hardly lived in the place, having spent most of last year in hotels and AirBnBs.

The manner in which I conduct myself brings people of different kinds into my life. One flatmate left owing me £7,000 in unpaid rent and bills, without a care in the world - he felt he was entitled to help himself to a vast amount of my money. One of my blog readers lent me some money, which allowed me to avoid bankruptcy and rescue my business, which is my livelihood and a source of stability.

I was ashamed to have to borrow money from a real person, rather than a faceless profit-making bank, but that shame serves as a litmus test, for me. Those who feel entitled to spend other people's money, and never repay it, despite having the financial means to do so, and who act without a conscience, are at one end of the spectrum. At the other end of the spectrum are the people who play by the rules - a debt is a debt, and a debt to a friend or a good samaritan is something that should be treated with respect - their conscience is troubled while that debt remains outstanding; they are anxious to pay back those who have been kind and generous.

It occurred to me that I might be asking for it.

I have a friend who regularly asks to "borrow" money. I have tried to employ this friend. I have offered to gift him money, instead of "lending" it to him. I have offered to purchase the things he needs as gifts, instead of "lending" him money. He knows I can often afford to lose the amounts of money he asks to "borrow" and I know he can't afford to pay me back. That's our arrangement, and I don't begrudge him, even though some might see him as taking advantage of me. Once I was briefly angry when he didn't show up to do the work I'd paid him in advance to do, but merely because of the inconvenience of having to find somebody else to do the work, when I was stressed and really didn't need the hassle.

The ex-flatmate who owes me £7,000 didn't ask to borrow that money. He simply didn't pay his bills or his rent. When I told him that he would have to leave, he accused me of intimidating him, harassing him and suggested that I might be in breach of some law, by refusing to let him get further into arrears. His mother is wealthy and owns a very large house, which he visits regularly. His lack of money was a symptom of his idleness; his sense of entitlement. In short: he's a spoiled brat.

I have a friend who I fell out with over money, a couple of times. I lent him £10,000 so that he could become a stock market trader. The loan was only supposed to be for a year, but after 4 or 5 years of not seeing a penny back, I decided to press him to repay what he owed. He acted as if I had done something wrong; as if it was my error, not his. Some years later I asked him for some help to find somewhere to live, and with the administration of my business. He saw that I was earning a lot of money at the time, and set about spending a very large amount of my cash on "us" which I later resented, because the division of labour didn't seem to justify the rewards he felt entitled to.

I also have a best friend, who gave up a very lucrative job and left his pregnant girlfriend behind on the other side of the country, to run a company with me. Then I was extremely unpleasant towards him for 3 months, during a startup accelerator program. I was a very driven man at the time - as CEO - and the way I spoke to my friend probably deserved a beating in return: I was asking for it, one might say. That friend must certainly have lost money versus his earning potential if he'd stayed in his well-paid job, but he knows I love him dearly and we both enjoyed the adventure, at times. He also knows how guilty and bad I feel about everything that didn't go so well; everything I did wrong.

The friend who's "borrowed" a couple of thousand pounds from me over the years thinks I'm asking for it because he considers himself a "have not" while also considering me a "have". I'm not sure whether he sees himself as Robin Hood, per se, but his justification is not entirely unfounded, hence why our friendship persists to this day. He is certainly a very disadvantaged young man, versus my own seemingly charmed existence.

People hear the way I speak - with a posh English accent and a wide vocabulary - and they assume that I had a privileged upbringing. They assume that I went to private school. They assume that my parents paid for me to go to university. They assume that my parents funded me through unpaid internships, so I could get into investment banking. They assume that I'm the person I sound a little bit like.

The problem with sounding a little bit like a privately-educated investment banker from a wealthy family, is that you're asking for it.

Maybe I should tone down my accent, wear jogging sweatpants and sneakers, use more slang. Maybe I should pretend to be ignorant of things which are generally the preserve of snobby elites, and narrow my field of interest to popular sports, soap operas, reality TV and celebrity gossip.

Maybe I shouldn't wear make-up, a short skirt and a low-cut top, with high-heels, and go to a place where people frequently hook-up for sex, because those things are avoidable, right? It's my fault that people feel entitled to greedily grab my money, because I'm asking for it. I'm asking to get ripped off. I'm asking to get used. I'm asking to get raped.

The comparison I'm making is unpalatable; perhaps unspeakable.

There it is. I said it.

Tags: #money #debt #friends #rape

This is a story about hacking...

How do we reconcile the concept of privacy, and our supposed desire for it, with the moden practice of sharing images of ourselves and our loved ones and publishing intimate pieces of information about ourselves and our identities, so publicly on Instagram, Twitter and Facebook?

Some people choose to maintain several versions of themselves. They have decided how they wish to present themselves - digitally - for different audiences, and they presume that the computer systems they use have sufficient privacy safeguards so that those worlds will never collide. Incredible trust is placed in those who build those computer systems and guard that data.

Those of us who are living double lives, or perhaps even triple, quadruple, quintuple or more lives, must have a shape-shifting and highly demanding existence as they constantly context-switch between their different identities.

How do they remember the different lies they've told to different people? Which parts of their life are common to all their identities, and which parts belong only to one distinct segment? How must it affect these people - psychologically - to maintain so many alter-egos, avatars and characters that they have created, which add up to a life with extra pieces left over if they were all combined into a single identity? Which are the pieces that don't fit? Which bits would that person have to give up if they were forced to unify themselves into a singular entity?

I can speak only for myself.

At work my identity is an open secret. Any of my colleagues can quickly and easily find this website, which contains every bit of information that most people would consider worthwhile keeping private. We generally don't want our colleagues at the office knowing about the less flattering things which have happened to us in our lives. We generally seek to avoid the prejudice which is still prevalent in a society where we live with the mistaken belief that our data is held safe and secure in computer systems, and the foolish notion that secrecy is assured.

Secrecy is not assured. Quite the opposite.

My knowledge of the limits of what is possible with a computer system, in terms of keeping data safe, comes from the place which society would deem most important: the bank vaults where all our money is kept. Capitalism's biggest fear is that a hacker could penetrate the inner sanctum of the banking sector and annul all our debts. The banks quite literally have all the money in the world to keep that money 'safe' which means they have manyfold more resources than any would-be bank robbers or philanthropic debt-erasers, keeping everybody out of their vaults.

I often wonder if my stance is due to the fact that the man who has nothing, has nothing to lose.

However, the origin of my exhaustive efforts to document the most private details of my life, came from when I had a lot to lose. In fact, the fear of loss is what nearly drove me insane. I realised that the threat of the dreaded event - losing my money and damaging my reputation - was sufficient to create a great deal of paranoia, which was impossible to control because of the insatiable appetite of people around me for the gory details of my private life. I became a human interest story and the only solution I could see was to take control of the story by writing it myself.

Writing a little bit isn't going to help.

Writing your version of events isn't going to help.

Writing the story of your life isn't going to help.

I decided that the only way that I was going to regain my sanity and my dignity was by making myself into a publicly accessible resource. I have emptied the contents of my brain into the public domain, but this is an ongoing process. Unfortunately, I can't just upload everything in my head to the cloud. I have to type it. Even if I typed until the day I die, there will still be things that die trapped inside my head, but at least I tried.

The more I have gone along with this journey of emptying out my head onto the pages of a public document, the more I have seen the benefit of doing so. The more honest and open I have been, the more candid and frank, the more comfort I have felt knowing that the greatest amount of data generated which pertains to me and my life, has come from my brain via my keyboard.

Before I started to write this blog, the bulk of my private intimate personal data was held by private companies and government institutions, who knew where I spent my money, where I travelled, who I spoke to, what I went to the doctor about, what medications I took, what my credit score was, where I had lived and where I was living and an enormous amount of other things too, such as how frequently I visited websites, what kinds of things I looked at on the internet and just about every single word of communication ever exchanged between me and another human being.

This sounds like paranoia. This sounds like insanity.

All I know is that I'm glad that I live a single life with a single identity and I've made myself publicly accessible. I'm glad I've published all my so-called secrets. I'm glad I've put my unflattering side into the public domain. I'm glad that those who would like to quickly and harshly judge me, so that I could be easily dismissed and cast aside, have a repository of all the dirt they'd ever possibly want to find, if only they weren't so lazy and stupid as to not bother to think to look in the most obvious place for it.

I enjoy living my life in plain sight. I enjoy having open secrets. It gives me pleasure and a sense of security.

I'm in the process of migrating my website and all my 1.1 million words to a new home, which will hopefully be a seamless transition for my readers - I've decided to utilise my technology skills to cement my digital legacy. I hope that I can move what I've written to a place where it can be easily migrated to newer technology platforms as and when they emerge, much like old cine films were transferred to VHS tapes and then transferred to DVD discs, to preserve those memories for posterity.

It might seem horribly arrogant and conceited to think that anybody gives a damn about what I've written, and that my writing should be preserved, but there it is: The modern age, where we take photographs of our food and share them with the other 7.6 billion people on this planet via the internet.

I've found the internet to be a place of friendship and connection, and of people who do care about what I write, so it's with little embarrassment that I admit to my efforts to preserve my own legacy.

Tags: #computing #writing

This is a story about unorthodoxy...

This time last year I saw my old friend from JPMorgan in Warsaw. He'd just gotten me a job. I was almost bankrupt. Some years ago we had been propping up the bar at 4am, the last remaining men standing after all-day-drinking to celebrate me leaving the investment banking world... temporarily. We have the same attitude and approach to life: Everything to excess.

I'm writing this with a little haste, because I'm in a compromised situation.

I need to tell my friend not to kill himself - having received a number of worrisome messages and a call recently - but I can't do so in a direct manner, because it's barely more than a year ago that I tried to take my own life. I know that nobody could have talked me out of it. When I communicated, I did so to ensure that my intentions were clear: I did not want misadventure or an open verdict to be recorded by the coroner.

But.

This is not about me.

This is about a friend who sounds like he's about to end his life.

I have no idea what the emergency setup is in Poland. I have no idea whether a person can be located by their smartphone. I have no idea what the crisis intervention services are like. I have no idea what it's like to be 'sectioned' or otherwise interred for your own safety - 'committed' one might say - in Poland, and whether I might be unwittingly unloading a whole unwanted extra pile of shit on my friend's head, by raising the alarm.

I'm not ungrateful to those who contacted the emergency services on my behalf, who undoubtedly saved my life, but I'm aware that my decision-making power was taken from my hands. In fact, I clearly said at the hospital that I didn't want any medical intervention, but they decided I didn't have the capacity to make the decision to refuse treatment.

Does my friend have capacity?

He says he's drinking 2 or 3 bottles of vodka per day. I'm a borderline alcoholic, and I'd say that my judgement is pretty impaired when under the influence. I doubt I'd have so readily swallowed all those tablets during my suicide attempt last year if it wasn't for the Dutch courage of a gutful of booze.

It's easier to make the final decision when intoxicated.

Perhaps this gives me the moral authority to intervene and save my friend from himself. Perhaps it's my duty to inform the emergency services, such that my friend can sober up and then see how he feels about killing himself once he's got a clear head. How's he going to feel about being forced to sober up and face the decision to go on living in the cold light of day, with a dreadful hangover?

I can tell you all the answers to these questions.

I can tell you exactly how it feels to regain consciousness when you had hoped you'd be dead.

So can my friend.

I can't patronise him. I can't talk him out of what he wants to do. I can't approach the subject.

Strangely, I hope he has capacity enough to read this.

If he does - and I might try to prompt him into reading it - then what do I want him to know?

He needs to know that almost exactly one year ago, I was convinced that my life was totally beyond any hope of salvaging, but he salvaged my life. He got me a job, which rescued me from certain bankruptcy. He got me a job in the nick of time. He saved my bacon.

What can I do for my friend?

I remember he told me how buoyed he was by all the support I get via social media. I remember how emotional it made him feel, reading the comments section on my blog.

I want him to feel that outpouring of love from all four corners of the globe. I want him to feel anchored by connections.

My friend and I tend to value our sense of self-worth by the number of dollars, euros or pounds that somebody will press into our sweaty palms for a day's labour. My friend and I both feel valued when we're paid a lot and a company is chasing us for our skills.

It's disturbing to me that my friend knows that he can get a highly paid job in any investment bank in the world. He knows that he's needed and wanted in the corporate sector. It's worrisome that he knows that, but it's somehow not enough. I can relate. I know what that feels like.

I don't know what to offer him.

To remind him of his value and how much he's cherished is a cliché. I can't patronise him by talking about how much he'd be missed and what a huge hole he'd leave in all the lives he touches.

We're talking about the man who quite literally reversed my fortunes, exactly 12 months ago - from bankrupt to bankrolled; from rags to riches.

What can I say, except that I've written these 900 words with as much speed as I can manage, because from the tone and content of my last phonecall with my friend, he's in a very bad way. I'm very worried about him. I'm acting as swiftly as I can, in an unorthodox fashion, because I want to do something to interrupt and disrupt his behaviour, which looks to be on collision course with disaster.

I know that if anybody said to me that I lacked capacity, or was so patronising as to believe that they know better, and I should be relieved of the decision-making power to end my own life, then I would become doubly stubborn and bloody minded. I'd kill myself just to prove you wrong. Of course I would.

What can I say? I need to publish this, urgently.

I hope my friend reads this. I hope my friend - who helped me get back on my feet almost exactly a year ago - is somewhat moved by my desperation to try something, anything to move the conversation towards positive exciting plans for the future, and our next adventures.

I haven't been writing regularly, and of course I tend to be very self-centred, but I hope that I can continue to write, and include my friend as a living member of the tiny little world in which I inhabit. There are quite literally only two people who I speak to on a regular basis, one of whom is threatening to make an early departure from the party.

He might feel a little uncomfortable that I've made references that almost made him identifiable. Good. I'd rather have him angry and upset with me, than having missed an opportunity to get his attention. I'm being deliberately disruptive and provocative.

Please, mate, don't put me in this position!

Don't make me decide whether I have to call the emergency services or not!

This sucks!

Tags: #suicide #friends #alcohol #banking

This is a story about radio silence...

On June 20 of this year I attempted to write my life story from 2011 onwards, covering the happiest, most successful period of my life and the pinnacle of my career - doing a tech startup accelerator program in Cambridge with a cohort of incredible people - and the subsequent reasons why I stepped down as CEO, separated from my wife, sold my house and settled my acrimonious divorce.

I wrote 10,000 words in a non-stop brain dump. Once I started I couldn't hold back - the words flooded out onto the page.

It was supposed to be succinct. It was supposed to be a simple set of bullet points.

It turned out to be a lot harder than I thought, to write down even the first part.

Part two has a lot to cover:

• Homelessness
• Hospitals
• Police
• Drug addiction
• Psych wards
• Suicide attempts
• More banking jobs
• More IT projects
• Moving to Manchester
• Moving to Wales
• Several relationships and breakups; love and loss
• Psychosis
• Self medication
• Alcohol
• Depression
• Anxiety
• Boredom
• Financial problems
• Near-bankruptcy
• Salvation

I'm not going to write part two in the same way that I wrote part one.

That was 6 months ago. This is now.

A lot can happen in 6 months.

As a quick recap, here are the problems I've been trying to tackle this year:

• £54,000 of debt
• Homeless
• No job
• No car
• Single
• Addicted to prescription drugs: sleeping pills, tranquillisers and painkillers
• Alcohol abuse
• Depression, anxiety and bipolar disorder

As if those problems weren't enough, in June I had relapsed onto supercrack. I'd been working but I'd lost my job - through no fault of my own - and I was in no hurry to get another one, because my addiction had returned with a vengeance. I was in a place with no family and only a handful of friends, none of whom were equipped to deal with my clusterfuck of issues. I was more-or-less alone, except for the people who I try to connect with on a daily basis through my blog, Twitter, Facebook and other digital means.

I came up with the title "No News is Bad News" because it's usually true. I came up with that title, because a period of silence on my blog is usually cause for concern. It's usually time to start phoning round the hospitals to see if I've been admitted. It's usually time to start worrying if I'm dead or dying.

Back in June - 6 months ago - the title was very apt, because I hadn't been online for a while. Losing my job had completely destroyed my hopes of dealing with the mountain of issues I was facing. Losing my job had wrecked my plans for recovery.

Today, my world looks very different.

I can't tell you too much - because it's private - but I'm writing from the comfort of my girlfriend's bed. Her bedroom is very pink and girly. She just brought me a plate with a generously buttered thick slice of toast and a glass of orange juice, which I am eating in bed. I'm getting crumbs in the bed and greasy finger-marks on my laptop.

I'm no longer living out of a suitcase in a hotel and eating in the same gastropub every night, sat at a table for one. I'm unofficially co-habiting. We only met a few weeks ago. The relationship is going fast. Too fast some might say.

I kiss my sweetheart good morning and wish her a good day as I depart for work. My journey takes no more than 15 minutes when the traffic is kind to me. I'm finding it easy to get up in the morning. I don't dread lonely evenings in a bland hotel room. I don't dread the unsustainable interminable monotony of miserable days in the office, and miserable evenings spent alone.

I'm going too fast though.

I'm working too hard.

It takes vast quantities of alcohol, sleeping pills and tranquillisers to prevent me from working 12 to 14 hour days. It requires a huge amount of effort to stop myself from working at the weekend. I'm desperate to achieve results as quickly as possible, because the finishing line is within sight.

It could be months before I'm well-and-truly out of the danger zone and enjoying some long-overdue financial security. It's definitely going to be a long time before I get truly settled at home and at work. I need to decide where I'm going to live and what I'm going to do for a job, on a more long-term basis. At some point, my good luck is going to run out and I'll be forced back into living out of a suitcase, maintaining a long-distance relationship, and having to face the anxiety and stress of proving myself in a new organisation, with a new set of work colleagues.

Mania has arrived. There's no doubt about that.

My manic energy has been ploughed into my day job, instead of my new novel. I worry that my work colleagues have noticed that I've completely obsessed by my project. I worry that the undesirable accompanying behaviours - irritability, rapid and pressured speech, arrogance and delusions of grandeur - will become so hard to hide in the office that I might be forced to disclose my bipolar disorder to my colleagues, in the hope that they'll be sympathetic.

My blog has been neglected, along with my friends.

I work too hard. I'm moving 'too fast' in my new relationship - the "L" word has been used and she has given me a key to her place. We're going on holiday together. All my original problems are still there, to some extent. I need to decide where to live, pay off my outstanding debts, drink less, quit the sleeping pills and tranquillisers, get my mania under control.

What else can I tell you?

I can't try to tell you too much all at once, even though I desperately want to. I want to sit down and write 10,000 words without taking a single break. I want to pour my heart out onto the page and tell you everything, but I'm trying to pump the brakes a little bit. I'm trying to be a little bit sensible, even though I'm clearly going too fast.

It feels like the week-long hiatus from blogging was not bad news. Perhaps it's good news? No. It's not good news. I'm not looking after myself. I'm not managing my bipolar very well. I'm allowing myself to become manic, for the purposes of achieving 'great' things at work. It's exciting to be manic after so many months of depression and misery.

It would be a good idea for me to resolve to resume my daily writing, but I'm wary of making unrealistic promises. Today, I'm coming to terms with the fact that my 3rd novel remains unfinished, when I had hoped to have completed it yesterday.

That, ladies and gentlemen, is my present situation in a nutshell.

Tags: #bipolar #relationships #debt #homeless #addiction #medication #alcohol #writing

This is a story about brainwork...

In 2008 I became suicidally depressed. I'd been part of the project which had been at the centre of the global financial crisis: namely the trading of quadrillions of dollars worth of credit default swaps (CDS) which had grown in notional book value to be manyfold greater than the aggregate value of all the tangible things, such as precious metals, rare gemstones, property, factories, oil, gas, coffee, coins, banknotes and anything else which you could point at and say "that's worth something".

The world had lost its mind.

I knew it was coming of course. I had bought gold in 2005. I had negotiated a great mortgage in 2007 knowing there was a credit crunch on the horizon. In some ways I had tangible proof that I had been doing something valuable because I owned property, cars, boats and other things, as well as considerable amounts of liquid assets. In short: I was rich.

I got rich from data and software. I got rich off the back of investment banking and derivatives contracts. I got rich off a whole lot of nothing.

In 2008 it really felt like I'd presided over the most awful crime ever perpetrated against humanity.

I'd worked hard and I'd done my job very effectively. I thought about the bigger picture and I knew - deep down - that what we were doing at JPMorgan was wrong, but I'm an engineer and I like delivering engineering solutions. If somebody asks me "can you do this?" then I want to be the problem-solving can-do guy who comes up with the solution and delivers a working system. Often times I stop and take a step back, and think about the context of what I'm doing - I consider the ethics - but that's not really my job. I just design and build software systems.

The whole "I just work here" or "I was just following orders" thing is how the Nazis managed to kill 6 million jews, so I'm not going to hide behind that flimsy defence.

I know what I did was wrong.

So, I decided to completely ditch investment banking. I decided to do something that was the polar opposite of investment banking. I retrained in the building trade.

Instead of working in an office, I worked in customers' houses. Instead of working to devise arcane and impenetrably complicated ways of moving imaginary wealth around the globe, I helped build houses for people to live in. Instead of working for a massive faceless global corporation, intent on destroying the worldwide economy and plunging us all into the deepest and longest recession in history, I worked for myself - I was a sole trader; a man with a van.

I discovered that what I'd always suspected was true: I work hard.

It's hard to prove that you work hard, when all your hard work is hidden away behind the scenes. You have no idea how hard it was to build all the websites and apps that you use every day. You completely take for granted all the facets of the modern world, where you can speak to your phone and express your unique special snowflake personality on social media. The geeks and the nerds are derided as autistic-spectrum weirdo scum, who are all potential paedophile predator perverts who deserved to have a miserable childhood getting bullied at school.

While we celebrate the doctors, nurses, firemen, policemen and suchlike, because their contribution to society is conspicuously obvious and easy to understand - like a game of cops & robbers - questions such as "what is the internet?" belie the hideous complexity of that innocuous 4-word question. If you're looking for a convenient Google-provided soundbite synopsis that you can parrot to other people, in the vague hope of sounding intelligent, you're doing a disservice to those geeks and nerds who you persecuted at school, who are the architects of the fourth industrial revolution.

It's very hard for me to prove to you that I've been working very hard during my 21-year full-time career. You're quite likely to accuse me of not working very hard at all, because there are people out there who do a lot more physical labour, and what they produce is a lot more tangible and more easily understood in a childlike brain.

It was immensely frustrating to me that I had no easily understood empirical evidence to prove how hard I work; to prove that I'm a busy bee.

I started to write.

I've written the equivalent of 22 novels over the course of 3 years.

Of course a lot of what I've written is manic rantings, but one should be mindful that during the course of the 3 years I've also written a lot of software, and software doesn't work if it's wrong. One missing semicolon in millions of lines of code and the whole thing will be kaput. You should consider the fact that it's a facet of my profession to write with coherence and attention to detail, because my editor has zero tolerance for mistakes: the computer can't handle errors.

It pleases me that I've produced 1.1 million words in my spare time as proof that I'm not an idle drug addict loser. It pleases me that I have a tangible asset, which vastly exceeds the length of the King James Bible.

Would you accuse an author of a bestselling series of novels, as being unproductive and not working for their living?

I say again: I've been writing in addition to my full-time day job.

It's true that sometimes I find my day job very easy and unchallenging, but there are other days when there are gremlins in the incomprehensibly huge and complex computer software systems, and those problems are very hard to diagnose and fix. Manual labour is governed by a simple and well understood set of physical laws: the energy requirements to lift and move heavy objects is quite easy to calculate. The amount of brainwork required to fix a problem with one of your beloved apps or websites - to give a facile example - which might affect millions of people, is not an easy calculation at all. If you think what I do is unimportant, you should see the public response every time Instagram stops working or Snapchat introduces a major change.

My motivation for writing this is, of course, insecurity. I struggle with feelings of inadequacy and guilt. Imposter syndrome asserts itself and I wonder what the hell I've been doing with two decades of my life, with nothing to show for it except a lot of crummy software which almost nobody is aware even exists. I would struggle to explain to either of my grandmothers what I do for a living, especially now they're dead.

I exist in a strange part of the world. I'm a 'tame' geek who can speak plain English. I don't surround myself with other technologists and I'm cursed with a bleeding-heart liberal streak and an inquiring mind, which causes me to question whether I'm part of the problem or part of the solution.

Because of my guilt, work ethic and insecurity, I feel like I have to create a very conspicuous and public display of my productivity, which can be easily understood. Here's the headline: 1.1 million words in 3 years.

I write because I'm afraid that you'll write me off as a lazy junkie waste-of-space loser who doesn't do anything productive or useful. I write because I don't see much other evidence that I ever existed or did anything notable; that I ever contributed to society.

"Use your talent and energy for good" I hear you say. Yup. That's working out really great for the oppressed workers, isn't it? I'm so glad that charity has been so successful that it's made itself completely redundant as a concept.

I write because I haven't decided what else to do, but I'm still thinking, of course. You might think that thinking is useless, but what is writing except for thinking on a page?

Tags: #writing #philosophy #career #work #economics #banking

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 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