Being poor sucks. Really sucks. And I don’t mean poor as in you can’t afford
to go out as often as you’d like, you’re not having a holiday this year, you’re
not earning enough to justify a haircut.
I mean poor as in you’re getting red letters from all your creditors, you
weigh up every bus fare against buying bread and milk, you really don’t know
how you’re going to pay your household bill this month, next month, every
month. And knowing that part of the reason you’re so poor is because you have
an illness that takes away your ability to manage any kind of personal care or circumstances
really sticks the knife in.
Like work and depression, alcohol and depression,
relationships and depression, finance and depression can feel like a chicken
and egg never-ending circle. Did I get
in debt because I am depressed or is my depression causing me to get further
into debt as I don’t have the emotional strength to get a handle on it?
I’ve never been that good with money (Savings? Huh?) but I’ve always managed to keep on top of any
debt I had until now. I’m unemployed after being forced in December
to resign from my job due to an investigation into claims I was faking
depression. It’s a long, sorry tale which I’ve blogged about before so I won’t
go into the detail here. Suffices to say, I’m out of work and no one seems in
any way keen to interview me.
I’ve just had my Job Seekers Allowance cut because I missed
an appointment. I missed an appointment
because I got four days’ work for which I will get paid about £600 at some
point in the future. I did try and inform the Jobcentre by email of the
circumstances (I couldn’t phone as it was a Bank Holiday weekend and I was working
15 hour days) but nevertheless my allowance has been taken away. This means that my monthly income is £320
Housing Benefit which is for my rent (it obviously doesn’t cover it) and £8.71
per week Council Tax Benefit. I’m not going
to disclose how much I owe to the red letter senders – frankly it’s none of
your business! – But clearly, they ain’t getting paid any time soon.
Because I’ve been so ill with depression, my natural
tendency to keep a grip - albeit a tenuous one - on my finances has gone to
pot. It’s not been so much burying my
head in the sand as being so out of focus with things that they have just not
even registered. My memory is terribly affected by depression. I just don’t
remember to do stuff. And now I’m surrounded by letters and getting
the dreaded 0845 phone calls and I don’t quite know where to start. Having my JSA cut has knocked me right back; I’ll
be honest, I could have sorted it out a couple of weeks ago but I was already
slipping, I’m having more and more frequent depressive symptoms. I am terrified of going back to where I was
at the end of last year but the curse of depression is that I just don’t feel
able to do anything about it. And so we’re back to the chicken and egg.
I can imagine that to some people this just reads like a
list of excuses for being crap with money; it’s really not. Depression plays
Russian roulette with your mind. It takes a wrecking ball to your sense of
priority and gives your memory a right old kicking. When leaving your room to go to the toilet is
Mount Everest, than having to interact with people you feel over-burdened with
guilt about owing money to becomes an impossible mountain to scale.
This morning I have been looking on the website
www.nationaldebtline.co.uk and I
think it might just be the thing that will help me get a handle on things, so
that is a step in the right direction. I
am going to look into getting an advocate to help me contact the companies I
owe money to. I can’t do this alone. And
for once I am going to ask for help, which as any depressive knows, is often
the hardest thing of all.