Debt is depressing.

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.