This is a story about having a pity party...

My memory and perception of time are very badly affected by strong medication. Every day ends the same for me - swallowing 6 pills and falling unconscious - and every afternoon and evening the fog clears and I'm overwhelmed with anxiety, due to the medication effects wearing off. The routine is useful because it helps me stay functional and earning a lot of money, but I'm stuck in a loop which only contains working, sleeping and eating. Days are indistinguishable and time passes incredibly slowly.

I write repeatedly about suicidal thoughts because I'm very trapped. I've become physically dependent on medication and the withdrawal effects are intolerable. I struggle to recognise the pattern in my moods, because my memory is impaired. I function perfectly effectively at work because of the monotony of what I do, and the fact I'm using skills I grasped as a child, long since mastered and turned into muscle memory and reflex. Everything in my life is something I've done a million times before. There are no new and novel challenges in my life. There is nothing which I could embark upon as a voyage into the unknown, except for death I suppose.

I think about getting a girlfriend, making friends, finding a new hobby. I think about buying more furniture and generally making my home more comfortable. I think about getting on top of my mountain of administrative bureaucratic tasks. None of these things are new or interesting to me - they're simply chores.

I'm blessed with a large amount of people who I'm in contact with via the internet. I'm never short of somebody to talk to via message or email. Some friends have stayed in contact and I've even made some new friends quite by accident. Perhaps I take all this for granted, but I'm just stating the facts.

I see my situation as unavoidable. I see my choices as so limited that I actually have no choices at all. The claim might sound unlikely, but my analysis is invariably correct. I'm in the process of creating choices for myself, while the world works exceptionally hard to thwart, frustrate, delay and annoy me. I'm not so paranoid that I believe that anybody's "out to get me" but in my lifelong experience there are always setbacks which far exceed a person's capacity to insulate and protect themselves. We live with the constant peril of our car breaking down or some other unexpected financial disaster wrecking our carefully laid out plans.

In other ways, my life is frighteningly random. I was almost bankrupt when a friend recommended me for a job, which rescued me from certain ruin. One year later, that friend killed himself. Another friend recommended me for another job, which has led me indirectly to where I am today. My improving financial situation is entirely a fluke and it's likely to end up in financial disaster at any moment. I've been maximally leveraged for far more years than I care to remember. My avoidance of homelessness and destitution is thanks to blog readers who have offered assistance. These rescuers have appeared in my hour of need, not through any coherent cries for help which I've communicated, but instead through the randomness of life.

Similarly, I expected to die in September 2017. I had planned and premeditated my suicide attempt. I had been systematic. I had done my research and I was sticking to the script. Again, random people off the internet intervened in collaboration with old friends and I was saved... just.

I feel sorry for myself but I can't decide how much of my situation is of my own making and how much was preordained. It certainly seems that whatever I try to do, my life appears to be running on invisible rails. If I try to ruin my life, I cannot, and if I try to improve my life, I cannot expedite or hurry things along.

Every day at work earns considerably more money than I spend. Every month my financial situation improves. However, my risk and exposure are steadily constant. I live with zero security. I live with very real and tangible threats to my home and my income, which also threaten to then cause a catastrophic chain of events that would see me cast from my profession and barred from accessing everything which middle-class people take for granted: bank accounts, mortgages, car loans, house rentals and other things requiring a credit check. Even most jobs with big companies are barred to bankrupts nowadays.

Money ebbs and flows through my accounts. Vast amounts of my wealth is hoovered up by the idle and lazy, who arrogantly expect to be paid money because they already have money. The turnover of money is beyond my capacity to track it. To monitor my accounts would be an exhausting waste of time and energy. Instead I see the vast wastage as preferable to the miserly task of bean counting. At least I know that some of my money ends up in the pockets of people who need it - it flows to me and it flows outwardly again, but at least it is flowing. I have no time or respect for people who cling to money, denying it to the economy.

I've lost count how many times I've lost everything but earned it all back again plus interest. I must have spent several lifetimes' fortunes. The aggregate value of my productivity must be a very big number. I certainly haven't been idle.

My life is very straightforward. Get the money, spend the money.

The straightforward nature of my life is the root cause of my unhappiness. I feel like a rat who has had electrodes implanted deep into its brain, so that it can stimulate the reward pathways by depressing a lever. It's very easy to press the button and get the thing which I'm supposedly living for. Don't have sex, press the lever. Don't have children, press the lever. Don't eat, press the lever. Don't drink, press the lever. I can press the right buttons and get the things which everyone covets - money, houses, cars, boats... whatever.

When you've been in the situation where you can buy whatever you want, including a lifetime's unlimited supply of drugs, then you have become the rat who presses the lever until it dies, because it doesn't eat or drink - it just presses the lever, because the lever is the best that life can possibly be. If you've ever thought "I could die right now because I'm so happy" that's what the rat is thinking when it presses the lever. Nobody should ever experience that... it's too much to handle.

Ultimately, I have reduced life to its most fundamental and primitive components. I understand mortality. I understand the lever. Life has boiled down to a choice between three things for me: pressing the lever, killing myself, or seemingly interminable boredom and suffering; repetition.

I had to make the choice to stop pressing the lever. I did so because of guilt about not repaying a debt to a friend. I could see that I was going to die of thirst, like the rat pressing the lever, and that I would die with a considerable lack of dignity. I turn 40 this year and it's pure pride that drives me towards confounding all expectations that I should end up a dead homeless bankrupt junkie.

I repeat myself so endlessly, but this is how I keep myself on-track. The speed limit of the universe is maddening, because I can see where I want to end up and I can see the route I need to take, but there's no way I can make the journey pass any quicker. I'm very much wishing my life away because I can picture so clearly where I want to be. I see everything that's not on the critical path as superflous. I've jettisoned girlfriends, friends, hobbies and interests, intellectually stimulating work, social contact and - strangely - drugs and alcohol. My life is austere. My life is brutal simplicity personified.

I wonder if perhaps I am on the autistic spectrum. I have rigid and fixed routines. I wear certain clothes on certain days at work, from a pre-planned wardrobe. I eat the same things. I have a place for everything and everything must be in its place. I follow a sequence for everything. I have routes that I always follow. I have a single unwavering approach to life; a single way of getting money and getting what I want. My life is designed to fit a designated path; everything is controlled down to the level of minute details. I have memorised unusual things, such that my words and actions seem to flow out of me automatically, despite the complexity of a task or seeming impossibility of memorising a sequence of keystrokes.

I blend in well enough now in adulthood. It's been a while since anybody called me a weirdo. In fact, I portray a convincing facsimile of a normal person, outwardly.

For a person with a mood disorder, I appear to be remarkably stable, and all the more so considering that I'm not taking any mood stabilisers. I stabilise myself with self-medication and strict routine. It's hell, but it's an internal hell which I manage to hide from my work colleagues.

It pleases me that I've been able to blend in. It pleases me that I've been able to pretend to be normal for lengthy periods of time, and to prove that I can hold down a job, pay my bills and otherwise conform like a regular guy, for sustained periods. It pleases me that I stop and start drugs and alcohol whenever I want - I can be clean and sober whenever I choose, without difficulty.

Everything is a loop. Round and round I go.

The present loop is one of the most boring and most suicide-inspiring.

Tags: #bipolar #suicide #depression #career

This is a story about losing patience...

I suppose I am becoming acutely aware that there has been a very high cost associated with the ups and downs of recent years. The cost is mostly financial, but that has a drastic effect on every single area of my life. We live in a financially obsessed global economy which is reluctant to forgive debts, and in fact enforces its debts to the point of causing widespread suffering and death.

I borrowed from a friend in order to stave of bankruptcy and total destitution. The financial system would have ruined me and left me for dead. The black mark against my name would have made me unemployable and unable to rent a place to live. The consequences would have been unimaginable, unless you yourself have truly experienced the brutality of capitalism, and the harsh reality of having less than zero money.

In order to dig myself out of the hole I've had to work very hard, but unfortunately the value of the pounds and pence in my pocket are eroded by the capitalist system, faster than I'm able to generate income.

The system is rigged.

I'm well aware of how badly rigged the system is because I was caught on the wrong side of history - I was suckling at capitalism's teet, and I was fed by the biggest fattest pig of them all. I was at ground zero during the financial collapse of 2007/8. I had ringside seats. I was part of the inner circle.

I can't feel sorry for myself, because I've got blood on my hands.

I knew that I was involved in something very corrupt and immoral. I knew that I was involved in something that was completely in contradiction of the needs of society and humanity. I knew that I was seeing the very worst excesses of capitalism. However, I didn't quit until it was too late. I put my pride as an engineer before my instinct to reject what I could see in front of me - I had a system to finish building, and I couldn't stop myself. I concentrated on doing my job, instead of stopping and blowing the whistle.

Did I see anything I could've actually stopped? No.

The complicity is so widespread that nobody can stop capitalism. So many people profit so handsomely and benefit excessively that capitalism's an unstoppable force. As my colleagues counselled me: The only person I'm hurting is myself.

Still though, I know instinctively that only a small segment of global society benefits from capitalism, while most people are exploited, forced to suffer and die.

What's staggering is that I can work very hard for 15 consecutive months and effectively get nowhere. It's remarkable how strongly capitalism has resisted me having a very modest standard of living. I simply want to live a debt-free existence, free from the tyranny of slave-drivers. I don't want Damocles' sword dangling over me anymore. I've worked hard enough in my lifetime to be granted some respite from the pressure, the stress and the exhaustion.

Every year a mountain of expenses are rained down onto my head. These are expenses that have to be paid just to be able to continue to play the game. This is the price of being alive, which is extremely high.

I only feel indebted to my friend. I don't feel like I owe anybody else anything at all.

Once I pay my friend back, I'm not sure what I'm going to do.

At the moment, I'm not sure I can carry on.

It's been too exhausting to get to this point.

Anyway, it's all hypothetical at this stage. I still have another three or more months before I can fully repay the debt to my friend. I have to keep going so at least the trust and faith that my friend had in me can be proven to not be misplaced.

It shamed me to lose my status symbols - like my house - and it was very damaging to my self-esteem. Now, I simply wish to pay back a friend so I can die with some dignity.

I'm being a little melodramatic. I could have paid my friend back a long time ago, but I've been trying to make life feel worth living. I had a couple of very nice holidays in the autumn and winter of last year. It did feel momentarily nice to enjoy the fruit of my labour, but the choice to do that has delayed the day when I'm debt-free again.

Perhaps my mood will improve as the weather improves. The clocks spring forward at the end of the month and the days are getting longer. Warmer weather will lift my spirits. Perhaps I will even have a pleasant summer.

My weekend has been full of chores like grocery shopping, installing my washing machine, doing laundry and getting my hair cut, but perhaps I'm a little grateful that a couple of major pieces of the puzzle - my job and my home - are in place, even if there's an enormous amount of work ahead of me.

I toss ideas around in my head, like starting dating again, or getting a kitten. I'm not completely depressed and suicidal. I can picture a more pleasant and bearable life in the not-too-distant future, but it's going to be stressful to get hold of what I want.

Why shouldn't I have everything I want right now, I sometimes ask myself. Why haven't I got everything, when at some point in my life I've had all the things, which cumulatively add up to everything I want. Why hasn't everything come together at the same time?

It's a bit spoiled brattish and unreasonable to expect to get everything, but I always compare effort and suffering with payoff. Where the effort and the suffering don't result in any payoff, then I question what the point of being alive is.

I know there are lot of people in the world who don't seem to be getting a fair payoff for their effort and suffering, but still they carry on. Some of them are happy. Good for them.

I suppose I'm unhappy being exploited and I'm unhappy doing the exploiting, which puts me in rather a difficult position. How does a person avoid either?

My assumption has always been that one day I'll see an opportunity to live my life free from exploitation, but increasingly I've come to recognise that it's impossible, except through suicide. Perhaps my outlook will change if I fall in love or find some purpose, but at the moment I'm just sitting and waiting, and I don't like what I see happening all around me.

I think I'm deeply depressed, which is understandable given the stress and the trauma of recent weeks.

Tags: #suicide #debt #capitalism

This is a story about prostitution...

It is fashionable to describe a female prostitute as a victim, which is a claim we should examine more closely. Certainly, few of us would choose sex work instead of a so-called dream job but what would that dream job need to look like, in order to fit the bill?

The bill.

How is a person supposed to pay for a crack, meth and/or heroin addiction on ordinary wages? How is a person with the chaotic lifestyle of a drug addict supposed to be organised enough to travel to work, arrive on time, and be presentable enough for a regular job?

Turn tricks. Score. Get high. Repeat.

If we examine the behaviour of an average low-income law-abiding productive member of society, we can see the same pattern of behaviour: Work a job which is thoroughly unpleasant, get paid at the end of the week, immediately spend the money on a binge drinking session, and then start all over again.

If we examine the behaviour of a high-income professional in a so-called 'good' job, we can see the same pattern of behaviour: An entire career which feels like a dead-end bullshit job, getting paid at the end of the month and immediately spending all the money on status symbols - the house, the car - in a never-ending cycle of performance reviews, pathetic promotions, job interviews and pitiful pay-rises.

"Do something you love and you'll never work a day in your life" is more applicable to heroin addiction than it is to the pursuit of a dream job that doesn't actually exist.

What did those saintly Oxfam charity workers - who were presumably working in their dream job - infamously end up spending the charity's money on? Prostitutes.

Did we conveniently forget that sex work is well paid with flexible hours? Did we conveniently forget that somebody without academic qualifications can do sex work without having to attend a job interview? Did we conveniently forget that those who have criminal records or other black marks against their name, such that they would find themselves excluded from conventional employment, are able to earn money doing sex work?

Also, do we wish to disbelieve all the very many sex workers who tell us that they choose sex work of their own free will?

Women choose to be prostitutes for very many reasons, but some of the reasons we choose to ignore include the gratification, the reward of the job. Just as a chef likes to delight diners with gastronomic creations, and takes great pride in their work, can the same not be said of prostitutes: That they like to give pleasure? Should we simply forget the fact that sex is a biological imperative, which carries pleasurable rewards: It feels nice to fuck. We get a dopamine hit from having sex, just like eating, drinking, smoking, drinking tea & coffee and all the other vices.

Of course, it's true that if sex is your job, sometimes sex isn't sex... it's just work. We are all very familiar with those times that work isn't pleasurable. In fact, work is often unbearable.

"Oh but prostitution is so unbearable" I hear you cry. It's so relatable, the idea of an ugly fat, sweaty, smelly man, with bad breath, doing something so intimate with us - "to us" - that we struggle to imagine anything worse, short of painful torture. And yet we must confront this truth: You get a lot of buck for your bang.

If we examine every way of making money, we find an relationship between how much we get paid and how much exploitation is involved. The more unethical and exploitative something is, the more lucrative it is.

A company boss might earn a thousand times more than his employees, but this is because he or she is prepared to inflict misery and suffering upon everyone who toils on his or her behalf. A software engineer developing artificial intelligence might earn a very high salary, but this is because he or she is prepared to ignore the potential negative consequences to society. A university professor might enjoy a very intellectually stimulating life, but this is because he or she is prepared to turn a blind eye to the exploitation of the developing world, and its economic enslavement, to support a life of such incredible privilege.

We must distinguish between the slaves, the exploiters, and those who sit somewhere in-between.

We must acknowledge that, in the majority of cases where a man pays a woman for sex, she exploits the fact that he wants more sex than he can get for free, while he exploits the fact that she wants money to pay for drugs, sold by disadvantaged drug dealers who exploit the only money-earning route available to them. The drugs come from countries that are desperately impoverished, deliberately so that the labour and natural resources of those countries can be exploited by the men, who exploit the man, who exploits the man, who exploits the man, who exploits the man who's eventually managed to save up enough of his money to pay a woman for sex.

Do you really know what the company you work for is up to? Do you really know where the money in your paycheque came from?

If you follow the money, you'll see that most of the so-called economy is a massive money-laundering scheme, involving banks, accountancy firms, law firms and numerous shill enterprises, funded with dirty money, which originated in weapons, war, slavery and waste of natural resources. If you're not a slave - working for nothing - then you're probably an exploiter, so who are you to say who is doing the most exploitation?

Those who have the luxury of time to sit around pointing the finger and wringing their hands about 'victims' they know nothing about, are probably the ones who are the biggest beneficiaries of human exploitation, for how else did they achieve their opportunity for such idle talk?

Wouldn't we all dearly love to idly pontificate in some revered institution, and get paid for our trouble? Wouldn't we all choose to think, write, talk and create art, instead our daily toil, if we were given the choice?

I respect the prostitute. I respect anybody who has figured out how to get money and get what they want, by exploiting the minimum number of people. Give me your money, here is your sex. It's a simple transaction of two-way exploitation: No victim, both are slaves.

We're all junkies and prostitutes, in one way or another.

Tags: #sex

This is a story about sustained effort...

I like to concentrate on one thing at a time. I like to be hyper-focussed and blinkered, and to devote all my energy and attention towards achieving a single goal. I like to live my life in an artificially simplified way, by aggressively cutting away anything which seems superfluous; a distraction from my main task.

Unfortunately, I have several concurrent tasks:

• My work
• My debts
• My writing
• My love-life

There are more - such as friends, family, health & fitness, hobbies etc - but I'm not listing those, because I've deemed them temporarily nonessential.

In fact, I had deemed dating to be nonessential, but my life had become too lonely and austere to be bearable. I was torn between investing in my [nonexistent] social life and looking for love. I chose the latter, because of how long it had been since I'd hugged or kissed anybody. Intimacy is important.

My work is arguably a task which will never be completed, but my debts have almost been dealt with. The sum total of my savings is £30,000 and the sum total of my debts is £29,000, so I'm finally 'in the black' although it will be some time before I'm able to release the money and free myself from the bonds of usury. Then, the question is how much money do I really need to live a happy life? I have to decide about this thing people call "work-life-balance" which I always thought was a myth. Without the millstone of debt around my neck, suddenly I gain enormous freedom of choice.

My writing has been the casualty, of late.

Hypomania was rearing its ugly head, threatening to destroy all my hard work building a good reputation in the office. I got a cold and my brain was horrendously sluggish. I suffered alcohol abuse, bad diet, lack of exercise and general neglect of everything in my life, because I was so single-minded in my mission to pay back my debts. My mind was telling me how brilliant I am, that I've managed to rescue myself from a dire situation, successfully deliver some software projects, impress my colleagues, work hard and generally function in society pretty well. I've been getting up early and going to the office. I haven't been taking time off sick. I haven't had much time off on holiday. I've just worked and it's paying off, but I'm so exhausted that I'm going a little crazy. It's hard to deal with the reversal of fortunes; my boom and bust real life triggers psychological problems.

During 3 years of writing my blog almost daily, I never start writing a blog post on one day and then finish it on another. My mind races so much and my feelings change so violently that the tone and content of what I'm writing can veer from one extreme to another, faster than I can pour out words onto the page. One reason for writing so much so quickly, is to capture the variety of my moods and give myself a fighting chance of being able to spot more general trends. In fact, I rely heavily on my regular readers to spot those trends - they're a far better judge of whether I'm swinging into a high or low episode, than I am myself.

To have skipped days of writing really upsets me. I feel really bad when I neglect my writing and my readers.

I have no idea where my writing will take me, especially when I suffer major setbacks such as a sudden loss of thousands of Twitter followers. These things shouldn't matter, but they're psychologically damaging. My digital identity does serve as a substitute for a lot of the things which are presently missing in my life, such as a group of local friends, social engagements and a healthy relationship with my family.

That my life is so damaged should come as no surprise when you consider the magnitude of the tasks which I've been set. Divorce, drugs, alcohol, homelessness, debt and all the accompanying loss of status, stigma and family estrangement - the sense of failure, disappointment and "letting everyone down" - can each be fatal on their own. In combination, those things are a toxic whirlpool; a quicksand which nobody could ever hope to escape from. I could be very upset and depressed about all the things which are broken in my life, but instead I struggle not to get carried away with the minor miracle which has happened: I've bounced back and re-entered civilised society, seemingly without any permanent damage.

So many parts of our society are set up with the optimistic presumption that people are capable of turning their lives around and being rehabilitated, but it very rarely happens. While those who work with addicts, criminals and the debt-laden are very keen to see lives transformed for the better, the reality is that most of the stories do not have happy endings. Most of the stories have sad predictable endings, which are quite tragic.

I'm terrified that I'm going to hit a glass ceiling soon. I will have a mental illness until the day I die. I will always suffer from social jet-lag and a personality which is incompatible with the rat race. I can't change the past - the stigma of addiction and the paper trail which got left in my wake, during an unfortunate period of my life, will follow me around forever. There is no limit on what the organisation I'm presently involved with is able to see: they have access to a vast database of unflattering things, which can never be deleted. My mistakes can never be expunged from the archives.

I could delete this blog, but then where is my reply to the opinions of me expressed upon records kept by organisations who I unfortunately came into contact with?

I would be so much more vulnerable to stigma, prejudice and discrimination, if I allowed other people to lazily sum me up in a few short sentences. Human lives are so much more messy and complex than any amount of words on a page could ever possibly express. It seems like the most natural reaction to being pigeon-holed, to do something like this: to create a document so large that it doesn't even fit in a goddam pigeon hole.

It might seem obvious that I'd be quickly identified as a nut; a crackpot; a madman. That seems like an easy label to attach to me.

However, my long and successful career, the vast sums of tax I've paid, the wealth I've generated for the economy, the tangible products of my labour and intellect - all of these things contradict any attempt to lazily dismiss me as a ranting madman, of no use to anybody, who should be quietly nudged towards the fringes of society until I'm completely marginalised.

My writing is the only thing in my life I have complete control over. I can write as much as I want. I can publish as much as I want. Every act of writing and publishing is an act of rebellion - a protest at the excessive burdens of life - as well as an addition to a growing cache of proof of my productivity and usefulness. I write because it will frustrate and contradict any attempts to write me off.

On paper, I was a write-off.

Nobody would touch me with a barge pole.

If you were presented with a list of all the unflattering things about me - my mistakes; my debts; my problems - as a bullet-pointed list, then you'd have dumped me straight onto the "no hope" pile.

Technically, I don't exist, because my existence is too improbable; my problems were too insurmountable. I should not be alive. I should not be debt-free. I should not be clean. I should not be working. I should not be housed. I should not have money. I should not be out there in the big wide world, walking around like I'm a regular normal member of mainstream society.

I could place put my faith in those who have sworn to make decisions without prejudice or discrimination. I could entrust my whole future - my happiness and my livelihood - to people who've never met me, who will judge me based on a few bullet points. That seems pretty risky to me though.

This is what I anticipated would happen. I knew that sooner or later, if I kept telling my story, I'd reach a point where the rags-to-riches-to-rags-to-riches-to-rags cycle would either conclude - in my suicide - or else I would finally get a chance to have a liveable life. This document contains a vast number of mistakes and unflattering things about me, but it also charts the course of a stupendously unlikely journey, which was almost certainly doomed to failure. If somebody in a position of power is going to thwart me, I want them to do so with a guilty conscience, because they were too lazy to consider all the available information. I'm so much more than a few bullet points on a page. I cannot be dissected with a 66-page form.

Of course, it's terribly teenage angsty to think of myself as a misunderstood character. It's horribly conceited and arrogant to think I'm special and different. I try not to concern myself with such judgements and instead to concentrate on my continued efforts to produce tangible things: to create.

Lots of people have written lots of novels, journals, diaries, blogs, newspaper columns, magazine articles and all the very many other works of printed words. There are quite a lot of prolific writers, who have churned out vast quantities of prose. Does that mean I shouldn't bother? Does that mean I shouldn't even try?

I haven't been very productive during the past couple of weeks, but it doesn't matter because what I've produced is cumulative. Every little effort is slowly adding up to create some big achievements. It's painfully slow, but the progress appears to create sudden overnight success. Nobody really notices all the hard work and nobody can see where it's headed, until one day a huge milestone is reached and everything all makes sense.

The relief of having more-or-less reached one of my most important goals, is highly destabilising and is triggering hypomania: it's hard not to get carried away with the perceived magnitude of my achievement. It's hard not believe my own bullshit - that I'm invincible and that I can overcome any obstacle. It's tempting to act recklessly, believing that I'll always be able to rescue myself from disastrous situations. It's hard to keep reminding myself that my luck will run out eventually, if I keep tempting fate.

I've missed this blog and I've missed writing. I've been destabilised, but I'm going to force myself to continue with my routine, because I think it's very healthy and stabilising for me.

Sorry for the gap in my regular writing.

Tags: #writing #debt #career #privacy #socialmedia #relationships #sex #alcohol #addiction #drugs #homeless #bipolar #suicide

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 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 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 screen time...

The button to silence my smartphone has broken so I leave it permanently in "do not disturb" mode, which suits me just fine. Hardly anybody ever phones me except for agents and other cold caller sales types. My time is mostly spent in the 12 apps pictured above. Perhaps I'm not on my smartphone all the time, but essentially I'm context-switching non-stop throughout my waking hours, so I thought that warranted a little examination.

Starting with my 35,225 unread emails, my inbox has gotten rather out of control. Email has become such a victim of its own success that no IT professional I know even uses it anymore - we're all on Slack. Most communication is entirely transient and there's no need to have a record of anything except some kind of chat transcript to catch up on - anything old can be archived and forgotten. I spend all day every day chatting to my colleagues on Slack, including colleagues from organisations where I don't even work anymore.

Messages comprises SMS messages - mostly telling me about voicemails I haven't listened to - and a handful of iMessages from people who aren't using WhatsApp for some reason. WhatsApp deserves special note though, because of the group chats. I was removed from the only group chat I was a member of - discussion between cryptocurrency enthusiasts - and I was usurped by a guy who screwed me over last year when I was on my deathbed, which is kinda besides the point but it galls me.

Instagram I don't actually use very much. I live in a text-based world and the photos I take are in 4:3 or 3:2 aspect ratio, not 1:1. I don't take very many selfies.

Facebook Messenger is my most active chat app, but I only use it to chat to one person - my guardian angel - and we mainly exchange memes about suicide, mental health problems and the ruined economy. Facebook messenger also makes calls - as do many of the apps - and I occasionally speak to a friend in Poland, which is about the only time I speak to anybody on the telephone.

Recently I've been using Tinder and Bumble in an attempt to meet girls. It adds additional complexity to my context-switching life.

I'm not really sure what I use Facebook for. I do browse through the feed once a day - not on my smartphone - and I occasionally like and comment on things which are especially noteworthy, but I generally try to avoid over-investment in that particular walled garden. I used to share a lot and indeed I've managed to rather make a fool of myself in front of all my friends and scupper my chances of ever working in some organisations, because I dragged my own good name through the mud. I don't put my dirty laundry on Facebook much, only for it to be conspicuously ignored. Instead I write over a million words on my blog and broadcast my ups and downs to thousands of followers and anybody who does Google searches.

I don't use Twitter properly. I don't generally retweet stuff and I don't spend enough time reading the tweets of the 6,000+ people I follow. How anybody could sift through it all I have no idea - Twitter is a pretty noisy place. Generally I just look to see if anybody I know is tweeting about any of the trending topics, and I otherwise rely on an email I receive in the morning each day, which tells me what my favourite people have been up to. I must admit, it's sometimes a struggle to stay on top of my notifications and DMs and then I turn turtle and hide for a while until things quieten down.

I don't bother with LinkedIn much. I don't struggle to find work. I don't much see the point in ploughing much time and effort into my corporate image - I've got a perfectly professional CV and LinkedIn page, and otherwise I rely on my contacts, skills, experience and references to be able to get work when I need it.

I wake up in the morning and I quickly scan through my notifications - mostly Twitter - to see if there have been any comments, which I make a mental note to reply to later in the day. When I get bored around mid-morning, I have a glance at my inbox to see if there's anybody demanding money with menaces or otherwise harassing me. Approaching lunchtime, I might kill a bit of time with Facebook, but I don't want to get too engrossed in my phone when I'm at work. If I'm having a really dreadful day, I might reach out to a couple of friends via Facebook Messenger and WhatsApp and see if I can get them to send jokes, memes or anything that might provide a moment's distraction from the boredom. After leaving the office and generally before my evening meal, I write a blog post. I often scan through my website analytics to see if there's anything notable going on. If my mind is busy and distracted I frequently find myself flipping between half-watching something on Netflix and several tabs in my browser - a mix of Facebook and Twitter. Sometimes I read the news, but I find that I spend less and less time engaging with current affairs at the moment, because I've been stressed out of my mind with basic survival. A new part of my routine is chatting to girl(s) via the dating apps and if I'm ever lucky enough to get a phone number, then chatting on WhatsApp.

The amount of context switching is pretty remarkable. In any given day I might have to switch between fully professional mode, with colleagues who I want to present with a squeaky-clean corporate-friendly version of myself, and a more relaxed but still guarded version of myself which allows a little bit of my personality to show, but hopefully keeps my bad not-safe-for-work (NSFW) stuff hidden. I might be chatting to somebody who I've known for a long time online who's in a different timezone - ahead or behind - and they'll know an incredible amount of personal stuff about me and we'll be talking very frankly and honestly about everything and everything... then I'll be talking to a girl who I've just started chatting to who doesn't know me at all... then I'll be chatting to work colleagues who I spend 40 hours a week in close proximity with and they think they know me but they don't [and I don't want them to know everything]. Then, there's the image I present and the interactions I have via my blog and social media. and all the people who I have frequent and infrequent contact with, and the different ways I know people. Facebook is a particularly weird melting pot, where former work colleagues mingle with people who I know through kitesurfing, my startup days, the time I was homeless and living in parks and hostels, people who I've just randomly friend requested when I was mentally unwell. Facebook is kinda the worst, because I never know which guise I should be in, so I'm probably too honest and I'm tarnishing my own reputation and good standing that I once had with friends.

My brain has to switch between survival mode - where I've been worried about money, housing, addiction, alcoholism, transport, sex, isolation, suicidal thoughts, self harm, depression, anxiety and odds that have been very much stacked against me - and professional mode - where I'm expected to perform at a very high standard and navigate extremely complicated large organisations and know all the ins and outs of massive and complex software systems and the infrastructure they're deployed on, plus all the many teams and the zillions of people and the processes and procedures - and my digital identity which I'm cultivating - which needs me to compose a blog post every day and stay on top of any replies, messages and emails, and generally keep in touch with an ever-growing list of friends who I've never met in person, but who've been amazingly kind and supportive during rough times - and Mr. Eligible Bachelor mode, which requires me to present myself in the correct sequence, so that I can be understood without at the same time being overwhelming and off-putting.

To some extent my life looks quite simple. I have a job and not much else - I don't socialise and I'm not in a relationship. To the casual observer, all I do is move between my home, the office and a hotel, and I'm always in front of my laptop, tapping away at the keys quite furiously.

I suppose my life is quite simple, if we imagine that my fixation is the screen and the keyboard, but the screen time is a red herring - it's a window to an unimaginably gigantic and complex world of thousands of interactions with people all around the globe.

The context-switching is pretty hard though. I've struggled to stay on top of everything during the last couple of days.

Tags: #socialmedia #privacy #writing #friends #career #computing #dating #sex

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 marathon running...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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