Skip to main content
 

Swapping Sanity for Solvency

7 min read

This is a story about looking after yourself...

Timesheet

I'm an incredibly calculating person. When I take a risk, it's a calculated risk. If you want to be a sailor, a rock climber, a mountaineer, you've got to be able to weigh up multiple factors. You look at the difficulty of the route or passage. You look at the weather conditions. You look at your equipment. You think about your crew, your rope party. You consider your own abilities. Failure means falling to your death, or drowning.

Let me give you an example.

I was at a petrol station, and I was paying at the counter when a car that was on fire was driven up to the pumps and then abandoned by the driver and passengers. They fled for their lives. The car was there, going up in flames, right next to the petrol pumps.

What would you do?

There didn't seem much point in standing around waiting for the fire brigade. There certainly didn't seem like a moment to lose, as there were passengers sat in their cars, waiting for the drivers to pay for their petrol and come back to their vehicles.

Selfishly, the best thing to do would have been to stay where I was, at the counter where I was paying, or to flee out the fire exit at the back.

I didn't think "I want to be a hero". I thought "can I put that fire out?". I decided that I could.

I went out onto the forecourt and shouted for everybody to get out of their cars and get the fuck away from the petrol station.

Then I picked up a couple of fire extinguishers and went and put out the fire. It wasn't unbearably hot because the whole car wasn't yet on fire. The whole engine compartment was on fire, but with the wind behind me, it carried the smoke away from me, along with some of the heat. I managed to direct most of the foam from the extinguisher into the engine compartment, and the flames were quickly put out.

That was a calculated risk.

I'm currently working a job that is destroying my mental health. It was a 6 month contract, and I calculated that in that time I could reach financial security. Financial security is an important component in wellbeing, given how shockingly appalling the welfare state is. It's more important that I'm able to support myself financially, than it is that I suffer 6 months of depression, putting me at risk of suicide.

My assumption is that when I have reached the point of financial security, I can have a mini nervous breakdown, and then start to recover without sinking back into financial hardship. If I have financial security, I can recover without becoming homeless and destitute again.

If I have learnt anything about my mental health to date, it's that I can recover from almost anything, given enough time & money.

It's sad to see lives thrown away because we treat them so cheaply.

If I can do it, I will have proved that it's possible to plumb unimaginably awful depths and recover, if only we would take the chance and invest in people. If only we trusted people. If only we respected people.

So many people get written off as if they're as good as dead, and that's disgusting.

It should be a collective stain on our conscience that we prefer to prop up the ideas of the "lost cause" and to discriminate against people because of the mistakes of their past, rather than looking at their potential.

Instead of chucking me into some "care in the community" bucket as an incurable madman, or kicking me into the gutter as a hopeless addict, I'm looking forward to proving what an injust death sentence that is. My parents are reprehensibly disgusting people for abandoning their own son when I was vulnerable and alone. My parents had insisted that they would help, only to renege on their promises at the vital moment.

I've done nothing but try to improve the lives of others. I'm not a thief, a liar. I'm not a violent man. I'm not even a criminal.

My dad's a criminal. My dad has a criminal conviction for his drug offences. The police have seen fit to caution me 4 times for various things, but the police have seen that there is no criminal intent with me that would warrant prosecution. My dad has broken the law and he has a criminal record. Why would he treat me like a criminal? Why would he treat me as if I've committed crimes, when it's him who has the criminal record?

I suppose we judge people based on who we really are. If you're a bad person, you see bad in other people. I've always given people the benefit of the doubt. I've always helped people, and even forgiven them when they've screwed me over.

I don't think I'm necessarily a good person, but I try to be. I try to help people. I try to see the best in everybody. I try to invest in people's potential.

It's a calculated risk, being nice to people. Sure, I've lost loads of money as people have taken advantage of me. I doubt anybody thinks I'm a mug though. I doubt anybody feels proud or pleased that they profited at my expense.

One of the best ever moments I can remember was when a young addict couldn't believe that I'd forgiven him for - as he saw it - scamming me out of a load of money. In actual fact, my risk was hedged. It was a calculated gamble. I just hope that he benefitted in some way. My life certainly wasn't any the worse off.

Anybody who says "don't give money to an addict or an alcoholic because it'll do more harm than good" is simply wrong. If you're poor and you steal from the rich, you don't feel guilty about it. But if somebody is kind to you and trusts you, and you betray that trust, it eats you up inside like crazy.

By helping people to be solvent you can help restore their sanity. For many people who live lives of poverty, this can be surprisingly cheap. I could get my friend Frank a hostel bed so that he wasn't living on the street for £120/week. I could help get Frank a room in a shared house for £500. Nobody had taken that kind of chance on him before.

Fixing my situation has been more expensive, because I'm more leveraged. When my parents fucked me over, I borrowed what I could on credit cards, bought Bitcoins, and made 1,200% profit. That was a calculated gamble. When I was homeless living in the park, looking for a well paid IT consultancy contract, I was using my creditworthiness to stay alive and get back into lucrative work: that's leverage. The peaks and troughs of my debt and my solvency are erratic and stressful, but you'd be a fool to bet against me.

Obviously, the idea is to link two lucrative contracts back to back, or have one last long enough to give me a financial cushion to at last be safe from homelessness and destitution. I desperately need a break from these boom and bust cycles. I desperately need a run of good luck.

The luck is not forthcoming, as my 6 month contract has been terminated 2 months early, but I have a little time to rest before the stress and torment of having to find a new job.

If you put all this into the context of relentless depression, suicidal thoughts, threat of homelessness, bankruptcy, destitution, reputational destruction, and everything else that threatens to consume me, I'm surprised I'm still standing.

All I know is that I'm able to just about make a swap for my mental health and sense of wellbeing, for a chance at financial security. It's a calculated gamble.

 

Tags: