money – Nick Grant

Nick Grant

Tag: money

  • Time Poor

    This is a story about keeping busy…

    Coins

    At first glance, it appears that I’m neither cash poor nor time poor. This year, my life has been revolutionised: all the wasted commuting time is now mine, to do with whatever I want, and I will definitely end the year with a small financial buffer, to shield me from any economic certainty. In theory, I might even find myself in the Spring time, with some ‘disposable’ income.

    Of course, I have time and money at the moment, but I would rather use my ‘leisure’ time to make more money, and I want to hoard as much money as possible, because I’m always on the edge of suicide, or at least a nervous breakdown; I can feel no certainty about my future: it contains only death and/or serious illness, both of which will eliminate my income, wrecking my fragile finances.

    Looking back at extravagant purchases over the past few years, I’ve furnished a large house, been on some very luxurious holidays, bought a couple of highly sought-after pedigree cats, eaten in a lot of restaurants, travelled around by taxi, bought a car, bought the latest iPhone and otherwise spent money, without really worrying about it. However, it’s not that money that anybody should worry about. That money is just normal stuff that you buy over the course of a few years, working very hard full-time. In fact, I would say that I’ve spent far, far less than anybody else in my income bracket, who works the same number of hours per week as I do. The lion’s share of my money has gone towards debt, taxes and savings… the latter of which I have precious little, when my health is so fragile.

    On the matter of fragile health, it seems wrong to write about it, when I don’t – to my knowledge – have a life-limiting illness… that is, unless you accept that my depression is so severe that it is life-limiting. I suppose it’s grossly unfair to compare myself with a person suffering from cystic fibrosis, who is battling to be alive and has very few choices, versus me who doesn’t battle at all, and has an infinite number of choices, right?

    That’s right, isn’t it? My choices are infinite?

    Let’s just double check this: I can do anything I want, right?

    Wrong.

    Spectacularly wrong.

    Yes, I am fortunate not to have cystic fibrosis, but that doesn’t mean I have infinite freedom. Imagine if you met somebody with cystic fibrosis who was depressed about having the condition, and resigned to an early death. Now, imagine you are meeting me, with depression so severe that I have also resigned myself to the early death, which will result from the condition. You will say that I am choosing, but the person with cystic fibrosis cannot choose. You’re just plain wrong. If it was a matter of choosing, then I would obviously choose not to have a mental illness.

    It seems inconsiderate of me to make this comparison; it seems distasteful, taboo, and somehow intrinsically wrong; incorrect. However, I assure you, that whether it is an auto-immune condition where the body attacks itself, or a mental health condition where the body attacks itself, there is an underlying pathology, which is ultimately prematurely fatal. The situations are, for the purpose of this thought experiment, identical.

    The fact that I would continue to do what I’m doing at the moment for ‘free’ if I was financially secure and independent, suggests that I’m not complaining about a lack of ‘spare time’ at all. I need my leisure time, with very little to occupy it, because I am so single-mindedly fixated on the outcome of the project I’m involved in. If I tried to do anything extra, I would definitely have a nervous breakdown. Hence, being single and not dating at the moment, for example.

    The fact that I do and say whatever I want, whenever I want, also suggests that I’m not complaining about lack of money either. Of course, if my contract was terminated early, or not extended, then I will very quickly find myself evicted onto the streets, penniless and destitute. The question is how quickly? I expect that I can support myself for 4 or 5 months, without any lifestyle alteration. Of course, I also know what it’s like to spend the best part of two years homeless, sleeping rough for considerable periods… so it’s not something I’m anxious about.

    What I fear more than anything is boredom. I like being busy.

    I do also fear the loss of my home, and more importantly, the stress that would be placed on me, having to downsize from a 3/4 bedroom house with two reception rooms, a garden and a driveway, to a hostel bed or a tent… or worse still, just a hastily improvised bivouac.

    However, more than the fear of the loss of my home, and the associated stress, I fear being trapped as a wage slave; I fear being forced to do a salaried job which I hate more than anything in the world, just to pay the rent or mortgage… locked into a miserable monotonous life, with no option to cut and run from that drudgery.

    Perhaps the day will never come – indeed it never has – where I will be able to finally take a year off work, go travelling, write a novel or two, without having a constant anxiety gnawing at the pit of my stomach, telling me that I’d better get back to work as quick as possible, to replenish my rapidly dwindling meagre pot of life savings.

    I have, now, considerably simplified the whole thing though: I will work hard, now, while there is the opportunity. Then, I will see if I have the chance, for the first time in my life, to pursue a path just for fun and excitement, as more than just a one or two week holiday, as recompense for a miserable boring job, which doesn’t really count. I’ve never had money, health, and freedom from commitments, ever before in my life. I’m not one of the privileged bunch who got to go on gap years and doss about at uni, because there was a magic money tree which meant they could just drift around, reading a few books and chatting to interesting people… all I’ve ever done is work.

    I’m far too old and far too poor to really be thinking about ‘travelling’ in a youthful sense… this is more akin to ‘early retirement’… except my early retirement, through financial necessity, must end with premature death, which is fine by me, because I am very, very, very tired.

     

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  • False Economy

    This is a story about value for money…

    Torn jeans

    I watched a documentary about the manufacture of jeans, and I was surprised to learn that most of the jeans which we buy in our high-street shops come from a handful of factories, in Turkey, Bangladesh and Pakistan. Indeed, almost 80% of the jeans we buy come from nearly identical factories. The premium brand jeans are made in exactly the same factories, using exactly the same method, and by exactly the same machines and people. The only difference between £300 jeans and £30 jeans, is the label, and the style.

    Of course, you might say, style is everything. For sure, I don’t want my jeans to be too heavily faded, too baggy, too skinny… but also too plain. Having a bit of character is what makes a pair of jeans look good – fashionable – instead of being just a plain old pair of blue denim trousers.

    You might think that, knowing the facts that I do, that I wouldn’t be so foolish as to assume that my mid-priced jeans would last longer than a cheaper brand… but you’d be wrong.

    The knee just tore on my premium brand jeans, which cost me about twice as much as I’ve ever spent on a pair of jeans in my life. I suppose I’ve owned these jeans for two years, and worn them almost every day, so in terms of value for money, we could say that they’ve cost me something like 18 pence per day… which sounds quite reasonable, to me.

    The problem with “pre-distressed” jeans is that, although they look ‘good’ from the moment you put them on, they end up looking progressively more and more scruffy, until people just assume that you’re so poor that you can’t afford new clothes; until they cease to be fashionable and instead become part of a dishevelled look, which nobody finds particularly attractive.

    Anyway, I’ve done something which I’ve never done before in my life, which is to purchase clothes without trying them on in a shop. I had a horrible retail experience on Sunday, where I had to queue in the rain to get into the shop, and then queue again to purchase the product I was buying. Also, given that my city is in a second lockdown, it seemed more civic minded to do my shopping online.

    At least I don’t have to be in the office anytime this year, so nobody at work will see me wandering around in jeans with a massive rip in the knee. I literally only ever own one pair of jeans which I love and wear all the time. I suppose I should buy several of certain items, when I find something I like, so that I have a like-for-like replacement when the item(s) eventually wear out. I’ve done that before, with a few things, and it’s a good strategy for somebody like me, who has a very small wardrobe.

    I’m sure you probably came here hoping to read something a little less mundane than a 500 word essay about my worn-out jeans. Sorry.

     

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  • Bad Decisions

    This is a story about getting into debt…

    Bike

    I was desperate for a halfway-decent car when I was 17 years old. The car I had when I first passed my driving test was the most disgusting horrible thing you’ve ever seen in your life, and that was before my mum crashed it, and then a blind man was paid to repair it using household paint of the wrong colour, which was daubed thickly onto the crumpled bodywork, and left to drip and generally look worse than it would have done if somebody had simply lowered their trousers, curled out a shit onto the bonnet, and then smeared the excrement.

    The car, absolutely, was not a gift. In fact, the car was a curse. Firstly it was extortionate to repair, because nobody has a disgusting shit car like that for their first car, so no insurer would offer me an affordable policy. That wiped out every penny I had. Then, it was ruined: my mother crashed it, and it was shit in the first place. It was so old, that basically, it was mechanically fucked in every conceivable way. So, the insurance financially ruined me, then repairing it left me with a gigantic debt to the garage. Then, after all that, it was a hideously ugly shit unreliable horrible, horrible, horrible car.

    So, I was keen to have a car that was not shit.

    I got a bank loan. I got a bank loan to buy a car, which wasn’t a piece of shit, looked like shit, drove like shit… I took out a bank loan to buy a fucking OK-ish fucking car, alright?

    In actual fact, it was a good decision to get that bank loan, because I was happy with my not-shit car. In fact, I was fucking ecstatic to have a car which wasn’t a complete pile of shit, that was financially crippling me.

    Predictably, my OK-ish car was not a pile of fucking horrible ugly shit, and consequently cost me far less in garage repair bills. Predictably, my OK-ish car did wonders for my self-esteem, and I was quite proud of my OK-ish car. My OK-ish car was very enjoyable to drive, and I was very glad that I had taken out that bank loan.

    Of course, I hated being in debt, but I paid it off pretty quickly, especially as the garage bills were a fraction of what they were for the horrible ugly old piece of shit, which was good for nothing but the scrap yard.

    So, where am I going with this?

    Today is payday. Actually, I don’t really have payday, to to speak. I don’t have a salaried job, in any sense that you’d understand. I run my own company, so it’s not like payday is really a thing for me. But anyway, for the sake of simplicity: imagine that today is payday for me.

    I’ve been trying to buy a new bike for a little while. Pictured above is my city bike: designed for zooming through traffic in London. I love that bike. It’s great.

    I don’t live in London anymore. I live somewhere where there’s hills.

    The new bike I’ve been trying to buy is a mountain bike. I don’t live super close to any mountains – maybe 45 minutes away – but it’s pretty hilly where I live, so I need gears. As it happens, I already have a mountain bike, which I bought on motherfucking credit, OK, motherfucker not long after I got my OK-ish car. My 22 year old mountain bike is brilliant and I love it, but I want one which is better for going up and down hills. I mean, that’s what my old one is designed to do, but I want a better one.

    So, I’m buying something that I don’t need but I want and I can afford because it’s payday. I can pay cash. I don’t need to borrow money or otherwise get it on some kind of credit agreement. I can just walk into a fucking shop, hand over the cash, and walk out with the brand new mountain bike.

    I’m getting one.

    Actually, it looks like I’m getting one which is going to cost twice as much as I had budgeted for… but I don’t care. I want the one that I want, and I want it now… or rather, I want it tomorrow, because the shop needs to build it for me.

    It feels – having been relatively recently homeless, horrendously indebted, and almost bankrupt – to be an incredibly bad decision. Sure, it probably is, but I’ve got the money – surplus – and I’m going to spend it all on this thing that I want; this thing that I don’t need.

    For sure, I’m not spending money that I don’t have; I’m not spending money before I’ve earned it. For sure, this could be the beginning of a spiral back into debt, but I really don’t think it’s going to be. Even if it is, I don’t give a shit. I’ve put up with too much for too long, to fuck around any longer.

    Sorry for the stream of expletives. I’ve had to justify myself and my very real human needs, for far too long. If you ask my dad, you can get a bike that’s just as good as a £30,000 full-carbon Tour de France pro-rider bike, so cheaply that somebody will pay you to take it off your hands, and buy you a fucking house too for your trouble.

    By the way, I am not buying a £30,000 full-carbon pro-rider bike. I am buying a mid-range bike: not the cheapest, and not the most expensive. Mid-priced.

    Okay?

    Happy now?

     

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  • I Will Work Harder

    This is a story about overwork…

    Pound notes

    It occurred to me that most working people use their monthly take-home income to work out affordability. Everything is paid for monthly by most of the wage-slave salarymen and women, across the country. Each month, there’s a rent or mortgage payment, a car payment, a loan payment, a mobile phone payment, a broadband internet payment and myriad other monthly payments. Everything is worked out based on whether those monthly payments are affordable, as opposed to thinking about the value of the thing in question.

    Instead of thinking “I can’t afford a £250,000 house because I only earn £25,000” people think that they earn £1,711 per month, and so that’s the maximum they can pay in monthly instalments. If the mortgage is £1,000, the car is £150, the loan is £100 and the other stuff is £250 per month, then that’s £1,500 total, leaving a balance of £250 disposable income every month. That’s how wage slaves do the maths. That’s how wage slaves calculate what’s affordable.

    I’m a bit weird.

    I own my car. I own my phone. I buy things. I don’t pay monthly.

    If I was to think about my monthly net income – after tax – and then live a lifestyle which was in accordance with that income, then I wouldn’t be driving a rusty 14-year-old bottom of the range old banger of a car. I wouldn’t be living in a rented house. I wouldn’t be worrying about the affordability of things, because my monthly net income is vastly more than my monthly net financial commitments.

    This is, of course, provided that I’m well enough to work.

    My health has proven unreliable. My mental health has been a huge obstacle to steady reliable dependable consistent work, day after boring monotonous terrible day. My ability to work cannot be taken for granted.

    So, I work as hard as I can, whenever I’m able to. I earn as much as I can, while I’m able to.

    I don’t make any financial commitments. I don’t take on any debt.

    This means that I enjoy none of the fruits of my labour.

    I have zero status symbols to remind me that I’m very good at my job, and I’m handsomely rewarded for my efforts.

    Perhaps one day I will buy a house and a shiny new car, but I always think “what if I get sick?”. I can’t stand the thought of having giant financial obligations, such as a mortgage and car repayments, if I’m too unwell to be able to work. My life has enough pressure and stress in it without the added headache of needing to earn a certain amount of cash every single month, lest my home and car get repossessed and my credit rating get destroyed.

    It’s pretty soul destroying, working really hard but feeling, weirdly, really poor. Everybody is zooming around in fancy flash new cars, paid for in monthly instalments, while I pootle along in my rusty banger. Everybody is doing home improvements to the houses that are owned by the banks and building societies, while I’m in a rented house with ugly curtains and in desperate need of being redecorated.

    I suppose I have nothing to complain about, because I’m making very rapid progress. If I’m lucky, then I will start to get on top of everything and my financial situation will improve with incredible speed. I need a load of luck, because my income looks like it’s going to come to a screeching halt at the end of the month, as things currently stand. The demands for my cash skyrocket if I have to leave where I live to go somewhere where there’s more jobs – I will be paying double rent, double bills, and I will have two deposits, all of which drains my limited funds.

    Because I want my life to be better, I will work as hard as I possibly can to get into a better situation. I’ll work from the moment I wake up until the moment I fall asleep, 7 days a week, if somebody is going to pay me decent money. It’s only because I think it would be detrimental in the medium-term and result in a net loss of earnings, that I don’t work every hour I possibly can. Somebody would query my timesheet and gigantic bill if I started working 100+ hours a week, although I could very much use the money.

    I had this situation in 2015, during the same time of year. I was authorised to work unlimited overtime, so I worked 7 days a week. I burnt out and became very mentally ill. Things did not end well.

    I’ve worked very hard to build a good reputation for myself, and I need to preserve that. I need to hang on to the gains I’ve made. I need to avoid losing my mind. A quick glance at my blog from 2015 tells me that I had a catastrophic breakdown around the middle of October 2015, so I will aim to get to Christmas without incident. I will aim to calm things down. I will aim to look after myself. I will aim to be sensible with how hard I work and how hard I push myself, and attempt to maintain some stability.

    I really need to take a holiday.

    When the clocks change, that’s a terrible time for me. The end of daylight saving is dreadful for me.

    It would be ideal if I could secure my contract so that I know I have a source of income, and I could take a holiday around the time that the clocks go back. That would be ideal. That would be perfect for my health. That’s what I need.

    I don’t think it’s going to be possible.

    I need to keep going.

    I need to keep working as hard as ever.

    I need to work EVEN HARDER because I have to get through this difficult period where my contract is ending. I need to get my contract extended or find a new contract. I need to find some work locally or else move to Bristol or London. I need to keep the money rolling in. I need to keep going.

    It’s been a very long, very hard road. I’m very tired.

     

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  • A Fool And His Money

    This is a story about wartime thrift…

    Paradise

    There are a couple of sayings which really annoy me, because they are untrue and misleading. The first is “if you watch the pennies the pounds look after themselves” and the second is “a fool and his money are easily parted”. The people who quote these sayings most often are terrible advice givers whose own wealth – if they have any at all – has not come from thrift or lack of foolishness. The people who quote these sayings are absolute idiots.

    We can use other common sayings to demolish the idiocy.

    “You’ve got to speculate to accumulate” and “buy low sell high” are both pretty obvious and self-explanatory, aren’t they? These sayings are far more useful than the former ones, but there’s a problem: most people don’t have any spare money.

    I placed a sizeable bet yesterday which looked as if it was going to provide a decent return on my investment. In fact, I lost the bet, but I was able to hedge my position and as such I didn’t lose more than I was prepared to risk. In no way was my betting foolish. In fact, my betting was very smart because I was in a position where I stood to make a considerable capital gain, and my risk was hedged. The main thing we should remember though, is that I was not only able to afford to place the bets, but I was also able to afford to lose the money. Most people do not have the luxury of being able to speculate like I can, because they don’t have the ‘disposable’ income.

    Other things I’ve spent substantial sums of money on in the last year include my house, the furniture within it, a bengal kitten and a lot of cat supplies, a holiday to Turkish Disneyland and a holiday to Tulum in Mexico. I consider none of this money to have been wasted.

    It probably seems pretty whacky for a 39-year-old single man to go on holiday to a theme-park resort, but what the hell is wrong with you if you don’t want to ride rollercoasters, water slides, surf artificial waves as well as enjoy some winter sunshine in a place which was created with precision engineering to bring absolute delight to its visitors? I laughed with joy at so many of the little surprise things on that holiday, including the delightful theme-park hotel which was designed very much for children, but I assure you can be enjoyed just as much by any adult. That whole holiday was perfect, except that I felt a little lonely and out of place as a single man in a family resort.

    My decision to go to Tulum in Mexico was taken on a whim, because my [ex-]girlfriend had told me that she had dreamed of going there for years, but she didn’t possess the financial means for that trip to ever come to fruition for her – she would never have been able to save up enough money to visit one of the most desirable holiday destinations on the planet. The arrangement worked well for me, in that I was able to get some more winter sun and do some kitesurfing, plus all the Mayan ruins and stuff were very cool. Some people might say that I was taken advantage of financially, given her complete lack of monetary contribution, but it was a manyfold times more enjoyable trip because I had her company and I took pleasure from taking her to her dream holiday destination.

    I’ve been spending lots of money eating out in restaurants, getting takeaway deliveries and I just booked another holiday. It’s been over 6 months since my last holiday, so I think I’ve earned it.

    I spend a lot of money.

    Money flows in-between my fingers, as if I was grabbing handfuls of fine white coral sand on one of the beautiful beaches where I sometimes take my holidays. Does it bother me that I spend vast sums of money instead of hoarding as much as possible; living like a miser? Does it bother me that all I have to show for the money I’ve spent is an amazing house, a beautiful kitten and some incredible memories of unforgettable experiences? No. I’m no fool.

    I’ve ploughed money into seemingly lost-causes, such as donating small sums of money to a friend who I’m trying to financially support through a difficult period of his life, to the point where he can hopefully be self-sufficient. It’s damn hard escaping poverty. I feel as though it’s my duty to spread the wealth. I feel as though it’s very unfair that I can make lots of money because I already have plenty of money. Those who have the most money make the most money. The rich get richer and the poor get poorer. That’s unfair.

    I think it’s victim-blaming to say that the poor would become rich if they were more careful with their money, and I find that kind of thinking very offensive.

     

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  • Domestic Bliss

    This is a story about basic human needs…

    Tiny kitten

    For a very long time I’ve been complaining about how slowly life has been progressing. It has been a source of immense boredom, frustration, annoyance, irritation, loneliness, unhappiness, dissatisfaction, exasperation, exhaustion and a general waste of my limited mortal lifespan, to have to sit around waiting for the hands of the clock to move; for the grains of sand in the hourglass to fall one-by-one through the narrow opening, at an agonisingly slow rate.

    I’ve viewed life’s core problems as fourfold: work, money, love and home. I can survive without a job, but I’m on borrowed time – eventually my savings and credit will be exhausted and I’ll become destitute. I can survive without money, provided some good Samaritan is kind enough to offer food and lodgings for free. I can survive without love, but without it life seems pointless and unpleasant; not worth living for. I can survive with quite primitive shelter, but it’s immensely damaging for my sense of wellbeing and self-esteem to be sleeping rough in Kensington Palace Gardens, for example.

    Getting a job is probably the easiest of all the problems to solve. I’ve always been very employable and I command a high rate of remuneration wherever I am. My skills can be put to good use almost anywhere, mercifully.

    Getting money follows as a natural consequence of getting a job. So long as I’m well enough to work, money will quickly follow. Mercifully, money flows in at a rapid rate, which can relatively quickly replenish my depleted savings and enable me to spend money on other things which are very cash-hungry, such as housing.

    Getting a nice house is a little bit trickier sometimes as I’m occasionally classified as “self employed” and expected to prove to an unreasonable degree that my earning potential is far in excess of my financial obligations. I’ve previously been asked to pay an entire year’s rent in advance, which is particularly unreasonable. To tie-up an entire year’s rent in a single lump-sum payment poses significant cashflow problem, even for a high earner, especially if there is furniture to purchase and other moving-related expenses. To furnish my house with just the basics has been expensive and exhausting, and my bedroom still lacks a wardrobe and a chest-of-drawers. There is a long way still to go with furnishing my house.

    Getting love seems like the final hurdle. I have very low self-esteem if I’m not working, earning, able to spend money and living somewhere lovely. So many people will ask “what have [I] got to offer anybody?” and tell me that I should be single, but those people are wrong. Sure, it might be a mistake to be in a bad relationship purely because of being too afraid of being alone, but it’s so often those who have been happily married for years, who have forgotten how truly awful it is to be lonely, who offer the unsolicited advice that being single must be brilliant fun. It’s not. I hate dating.

    There are two important things I need to write about.

    Firstly, I can settle for temporary relationships of convenience and turn a blind eye to red flags. I can make things work with a person who ultimately I can see I have no long-term future with. However, I never take my eyes off the prize. I know when I meet somebody very special – an incredibly rare event – and I know the difference between love, lust, temporary infatuation, and comfortable relationships which are only marginally better than being single. I’m quite capable of having a lovely time with somebody – something casual – but I have always maintained the hope of meeting somebody I’m really well matched with, who hopefully I can have a much more serious, loving relationship with. I have only been in love twice in my life, with a third time which was very promising but was never able to come to fruition – we’ll never know what might have been. I use the word “love” very carefully and sparingly. When I say “I love you” or suchlike, a lot of thought has gone into what I’m saying, and there are deep feelings behind those words; those words are not said cheaply or easily, without a great deal of thought and scrutiny of my emotions.

    Secondly, breakups do cause me a lot of distress, but I am not the kind of person who’s unable to handle a breakup without it threatening my safety. Indeed, I very actively avoid the situation where I feel as though my world would be destroyed, leaving me suicidal, if I lost the love of my life. It’s extremely unwise to over-invest in something so fragile as a human relationship, even if it appears to be fully reciprocated. I’ve been through divorce, so I know that even the most solemn of vows and binding of legal contracts, with the lengthy preceding relationship, is not enough to give any guarantees of security. I don’t like unpleasant sudden surprises which will cause my life quality to be massively adversely affected, hence why I was so shaken by the events of last week, but even somebody who I’m totally in love with is not duty-bound to stay with me, for fear of me committing suicide. I would never say “if you leave me I’ll kill myself” or commit suicide in direct response to a breakup.

    Last week, my job was going incredibly well, my finances were in great shape, my house was looking amazing and my romantic relationship was awesome. I had a long weekend planned, which was going to begin with getting a kitten, and be spent in a state of domestic bliss, with the girl of my dreams, in an amazing home, loads of money in the bank, brilliant job and with a cute little fur baby scampering around.

    Then, things looked like they were going to get ruined.

    It’s not that I was going to lose the relationship which was the sole reason why I went from on-top-of-the-world to suicidally depressed, but that the accompanying awfulness was too much to bear, as a sudden shock. Of course, I wouldn’t have lost my money, my house or my job, but the approaching weekend – which I had been looking forward to so much – had a completely different complexion, as a suddenly single man.

    What actually happened was that my girlfriend and I drove to pick up my little kitten, full of excitement and anticipation, drove the delightful little furball back to my amazing house, had delicious wine and Chinese takeaway and spend an amazing evening with my playful affectionate new pet. We woke up with a purring fur baby in bed with us. We spent the weekend on the sofa, eating delectable food, sharing our passion for similar cultural entertainment, and making a fuss over the cute little kitten… the most perfect weekend imaginable.

    The difference between what actually happened and what could have happened might not seem great enough to have prompted the decision to not get a kitten and to hang myself, but we must be aware that it has been a very long hard journey from sleeping in a bush in Kensington Palace Gardens – utterly destitute – to get to this point.

    Breakups have caused me a great deal of trauma in the past, with my divorce being the most extreme example, which tore through my life destroying nearly everything, myself included. However, I know what love is and I know what kind of life I want. I know the core elements that will make my life pleasant, liveable, sustainable and full of joy. I’m no fool: I know what I’ve got to do, and I’ve been patiently rebuilding my life, choosing very carefully.

    As I write this, I have my little kitten peacefully napping on my chest, as I’m lying on my chaise-longue in a parquet-floored period home, with huge high ceilings and massive bay windows. I’ve had a great day at work and I’ve earned a lot of money. I have a beautiful girlfriend who I think is amazing, who will be coming to see me later. My life is exceptionally awesome.

    How will I react if the relationship ends? Who can say? What I can say with certainty though, is that I’ve dealt with exceptional adversity in my life and survived, and of course I am incredibly unlikely to hurt myself while I still have the energy to keep fighting and patiently battling to achieve a decent quality of life.

    Given some medical emergencies which have nearly claimed my life, and becoming totally destroyed by my divorce, perhaps I should be happy to live in a dumpster, in rags, with no love at all; perhaps I should just be happy that I’m not dead. No. I’m not content to merely be alive. I want it all: love, money, job and house… and a little kitten.

    I hope that things work out with my girlfriend and I. I think she’s amazing and I think we’re really well matched, but who knows how things are going to pan out in future. Of course, I hope that she’s “the one” but it’s early days. If things don’t work out, that’s life – I still get to keep my great job, my great house and I still have the love of my little kitten.

    This might sound quite different from how I sounded last week, but you have to understand the massive disappointment that I was facing. I would be disappointed if things didn’t pan out with my girlfriend, but it doesn’t have to be so devastating and shocking and sudden. Life is usually a little more stable and predictable.

    Anyway, I had a great weekend of domestic bliss.

     

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  • Victim Blaming

    This is a story about acting unconscionably…

    Lime sofa

    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.

     

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  • I’m Sick of Moving

    This is a story about putting down roots…

    Cardboard boxes

    It looks like the smartest short-term decision for me right now is to go back to London. Third time lucky, maybe.

    London was amazing the first time, so I guess third time lucky is not really accurate.

    London was pretty amazing when I went back, but my damn acrimonious divorce and evil ex-wife conspired to disrupt and destroy my chances of re-establishing myself back in the capital. I’d reconnected with lots of old friends, incorporated a company and had started doing business. The last thing I needed was the distraction of the divorce, so I went and sold my house to a cash buyer – I had the sale organised within a few hours, and should have completed with cash in the bank in about 6 weeks…. except my evil ex-wife sabotaged the whole thing and put it back on the market with the worst estate agent she could find, and accepted an offer – for the same amount as I’d already agreed with the cash buyer – from some clueless idiots who were part of some horrible chain.

    Said same evil ex-wife then tried to screw me over with the division of the house sale proceeds, which was a more than fair and reasonable 50:50 split. The contracts had been exchanged and the deposit had been paid. I was quite happy to have us both get sued if she wanted to drag things on any longer… she’d already delayed everything by 3 or 4 months. My final signature was needed for completion and if I didn’t give it, we’d have breached our contract. So, I didn’t give it until I had it in writing that she’d take her 50% and let me get the hell on with my life. She’s an idiot, because I’d have gladly paid more if she’d just let me get on with rebuilding my life in London.

    So, that changed the complexion of my second jaunt back to the capital completely. Gone was the momentum of my new business. Gone was my new girlfriend. Gone was a holiday I’d been planning on treating myself to. Gone was every bit of optimism and energy, wasted on worrying about cashflow and legal wranglings with one of the most thoroughly unpleasant individuals I’ve ever had the misfortune of dealing with.

    I never quite caught up. You need a lot of money behind you if you’re going to get ahead in London. If you haven’t got the working capital – the comfortable financial cushion – you’ll never be able to handle the challenges of the city AND fret about money.

    Out of pride and stubbornness, I tried and failed and tried and failed again. I kept almost but not quite reaching the point where I was financially comfortable, only for the stress and effort of it all to finally scupper me, plus some bad luck too. I lost a contract simply because I refused to kiss the arse of one guy who thought he was indispensable. They terminated my contract, and then the guy who did it got the sack for getting rid of me. Another time, I was just too exhausted from living in a hostel while working on one of the most demanding projects – and indeed important projects – I’ve ever worked on in my life. I got myself out of the hostel and into my own apartment, but the stress and exhaustion of it made me very unwell. I tried to get myself sacked while I was on holiday in San Francisco, so I could stay for longer, but they didn’t take the bait – I got sacked as soon as I walked back into the office, which I knew I would.

    I took a shitty contract in a shitty part of Greater London. That was awful, but I did it out of necessity.

    Finally, I got a great contract, great team, great project, great company… then my kidneys failed and I was on emergency dialysis on a high dependency ward for weeks. DVT in my leg. Nerve damage. Unbelievable pain.

    That was me done for. Broke. Game over. I was lucky to escape bankruptcy.

    Now, I’ve had a little taste of small town provincial life, and it’s OK. I liked it when I could drive to work and walk to my girlfriend’s house. I liked it when my income was 20 times as much as my rent, and I was living like a king… or at least I’d have been able to if the gravy train had continued to run on it’s scheduled timetable.

    There’s no opportunities here. It’s a small place. I was lucky to have a few months when I had it all, but I always knew that when it came to an end, there wouldn’t be anything else here for me that’s comparable.

    No girlfriend. No job.

    Gone off the place a bit.

    I had a look at what London has to offer and I’ll be increasing my already obscene income by 50% if I go back there. Make hay while the sun shines. Get rich quick, or die trying. The number of jobs I’d be a perfect match for was quite staggering… so reassuring to know that I’ve got the right skills that still command such high remuneration.

    There’s nothing round here. At least, nothing for somebody who’s trying to get ahead. I’m sick of being behind. I’m sick of playing catch-up.

    If I go back to London and keep this Welsh seaside town as my primary residence, I can live on expenses – my rent, meals, travel… all that will be reducing my tax bill as well as giving me a lovely lifestyle. No more shitty AirBnBs and pot noodles. I can have my own little central London apartment and eat takeaway every night. I can take black cabs everywhere and even reclaim the expenses of having my suits dry cleaned, shirts laundered and shoes shone. What the hell am I doing, having to cook, clean and do laundry, in this sleepy seaside town where I don’t know anybody except for my ex-girlfriend and some of her friends, who all hate me.

    I can go on Tinder and there will be gazillions of drop-dead gorgeous highly educated well travelled professional career women, who are pretty up-front about what they want. Tinder in this Welsh seaside town has 15 identical looking Snapchat filter photos of women who look like they’ve put make up on with a trowel and can’t string a sentence together, and then that’s it – you’ve swiped them all left, and there’s no more to swipe.

    I shouldn’t do the place down, because it makes sense if you’ve got your wife & kids sorted and mortgage paid off, plus a big fat wedge of cash in the bank, but it makes no sense at all for me to be here, single and still struggling to get back to a position of financial security.

    So, at some point I’m going to push the button and the calls will come flooding in and the contract negotiations will start, and before I know it I’ll be on the train back to London, except I’m not slumming it this time.

    When I sign on the dotted line for my third attempt at making things work in London, I’ll be going to live in a serviced apartment, and I’ll be living there for the duration of the contract. I’ve got my little seaside retreat – my second home – where I can leave most of my stuff, but I’ll also have a permanent base in the capital, where I can leave my suits and shirts and smart shoes and everything else I need midweek.

    If I hesitate, I’ll just burn through all the cash I’ve managed to tuck away during the last 6 months of nonstop hard work. If I hesitate, I’ll lose all the ground I’ve gained. If I hesitate, I’ll lose momentum. If I hesitate, self-doubt will creep in and I’ll dither and dawdle.

    I might be sick of moving, but as long as I’m able to keep on sending my invoices every month, and every month my net worth moves rapidly from the negative to the positive, there’s a tiny glimmer of light at the end of the tunnel. I might be sick of proving myself over and over and over again, and having the stress of yet more reference checks, security vetting, credit checks and criminal records checks, but in London if one contract doesn’t work out, there are literally hundreds of others. If one relationship doesn’t work out, the London is literally jam-packed with mind-blowingly beautiful intelligent women who have dedicated themselves to their careers, and are making themselves known to be single via the Tinder app.

    I have friends in London. I know my way around. There’s a drinking/socialising culture, instead of the “going home to the wife and kids” culture of the provinces. What am I doing here in this place where I suddenly feel so out of place?

    In the blink of an eye, I’ll be available again – back on the market.

    In 2 or 3 weeks, I’ll be meeting my new team and learning about my new project; my next opportunity.

    It’s actually quite exciting. It’s a fresh start in a place I already know and love. It’s another opportunity to stick two fingers up at my ex-wife for ruining my chance to have a clean break and rebuild my life back in London. It’s another roll of the dice – maybe I’ll be lucky this time and I’ll prove I can make it work. I’ve certainly tipped the odds massively in my favour.

    I’m sick at the moment, of course. My mania must be plain as day to anybody who has any dealings with me. My colleagues kindly and patiently indulge my endless stream of ideas and words, delivered so fast they can’t keep up, but it’s good timing: things are late and everybody’s stressed. To the uneducated eye, it just looks like I care a lot about the end of the project, as opposed to being in a fully-blown manic episode in the middle of an office full of mild-mannered civil servants, who normally move at glacial speed, as is the way of the public sector.

    I’m sick, but I haven’t pissed anybody off or burnt any bridges yet. I’m sick, but I do remember to shut up and try to act normal once in a while. I’m sick, but I obviously made enough of a good impression that I’m being given the benefit of the doubt.

    I’m sick and I’m sick of moving, but move I must. I must move and I must maintain momentum.

     

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  • Payday

    This is a story about triggers…

    50 pound notes

    Having money burning a hole in your pocket is thought to trigger relapses, but I think it’s the period of poverty that precedes it that causes the problems. Flush with cash after such a long struggle trying to make ends meet and not go bankrupt, who wouldn’t be flooded with relief and be significantly affected by such a rollercoaster ride? Our boom and bust, feast and famine world is highly destabilising to our mental health.

    Back in September I found myself jobless, homeless and without enough cash to afford to rent a place to live and support myself for long enough to get to payday. Mercifully a friend managed to get me a job in Warsaw in the nick of time, and I was just barely able to afford to be able to live in AirBnBs until I got paid – I escaped bankruptcy with just £23 left in my bank account the day before my pay finally started to arrive.

    Back in February I had to buy a car so that I could get to my new job, tax it and insure it. That nearly wiped me out.

    Back in March I had to rent a place to live, and paying the first month’s rent, deposit and letting agent fees again nearly wiped me out.

    I’ve spent April praying that nothing goes wrong – that I don’t lose my job and that my car doesn’t break down. I couldn’t afford any unexpected bills – I’ve been running on fumes, although it wasn’t quite as bad as when I got down to my final £23.

    My financial distress dates back to December 2016, when the Christmas and New Year period delayed me from getting back into work, and by the time January arrived I was very unwell – I spent 3 weeks in hospital on dialysis and promptly lost the job I’d just managed to get. Things got worse and worse, peaking in July when I had a very large tax bill to pay and I had to leave my apartment in London because I could no longer afford the rent. Out of desperation I took a job in Manchester, which turned out to be disastrous – I didn’t know anybody in Manchester and my entire life was in the hands of a company which ended up treating me very badly indeed. I tried to commit suicide.

    Working in Warsaw and London during December, January and February, meant I was incurring a lot of expenses, with flights, hotels, train travel, AirBnBs and the other costs of living out of a suitcase. I tried to live off pot noodles and other things that can be prepared without a kitchen, but economising can become impossible when you have to travel around from place to place – I had to re-buy all the things you generally keep in the kitchen cupboards, or carry food around with me without the contents of the open containers leaking and turning everything into a horrible mess.

    Finally, I managed to rent an apartment but it didn’t have a single saucepan, plate, glass, mug, utensil or cutlery item, let alone all the other myriad things which make a house a home, such as toilet brushes and a million other things you take for granted.

    To go on the journey from having less than nothing, to re-entering civilised society and having enough money to keep the wolf from the door, has been extremely stressful and exhausting. I’m still in the process of setting up my standing orders and direct debits so that the council tax, TV license, gas, electric, water, sewerage, broadband and all the other various utilities can be paid regularly every month. I’m still in the process of re-stocking the cupboards with all the things that are needed for daily living.

    Yes, my situation seems to be rapidly improving, but there’s still so much work to do and I’m still a long way from being comfortable and having a financial cushion in case there are any unexpected problems – there are many more sleepless nights ahead.

    I don’t mean to moan, because I’m very lucky – things have gone my way and finally getting paid some of the money I’m owed today has a big positive impact on my life. I can loosen the purse strings a little, although I still have to be very careful.

    There is of course an impulse to go mad now that I’m a bit more financially comfortable, but that’s a reaction to the relief I’m feeling, after so many months of having the threat of bankruptcy, homelessness and destitution hanging over me. My main impulse is to draw the curtains and not get out of bed for a month, because I’m so exhausted and emotionally drained after such a horrible rollercoaster ride.

    Because of the way I get paid, I’m not expecting another payday for another couple of months. If I can make it to the next payday it’ll be a huge milestone and I’ll very definitely be on the road to recovery, but I still have a very challenging time ahead of me.

    I hope you don’t think I’m moaning. It’s always a good day when you get paid.

     

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