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  • FIRST POST
    • kikikaito
    • By kikikaito 11th Jul 17, 10:16 AM
    • 2Posts
    • 2Thanks
    kikikaito
    Advice for newbie on being bipolar and having lightbulb moments!! <3
    • #1
    • 11th Jul 17, 10:16 AM
    Advice for newbie on being bipolar and having lightbulb moments!! <3 11th Jul 17 at 10:16 AM
    Hello to all you hardworking peeps,

    I found this forum after being directed to the Money Saving Expert document on mental health and debt problems, it wouldn't let me post the link but just google 'money saving expert mental health' if it's relevant to you, dear reader!

    I found out this year at the age of 28 that I am bipolar, after years of mental health crises and existential wanderings. Things are pretty good right now - I live in a lovely flat in Hackney with my cat and another freelance writer. However when I read that document yesterday I cried a lot, realising just how much debt I have managed to accrue during what I now know to be manic episodes over the last few years.

    It currently stands at £12,359.91, I had no idea it had gotten so high until I added it up in a spreadsheet just now.

    I took out a £3.5k bank loan with Sainsbury's in October without even thinking about it. I had this big idea about visiting my brother in Vietnam with the money, but in the end I was so ill with depression/psychosis I couldn't even make it to the embassy to get a visa, let alone travel to south east Asia . All that debt adding to all my other debts, all for a holiday I was too unwell to even go on is a bit depressing, but I see it as part of a bigger picture of learning to understand myself and change my attitude towards money!!

    I've always been a spontaneous, generous and impulsive person, bipolar or not.... and also I'm very conscientious about borrowing money which has actually backfired....My friends are incredibly generous with making personal loans to me because they know I will always pay it back when they ask for it! I've resolved for starters to stop borrowing completely, I've read on these forums how much of an important first step that is.

    I'm desperate to stop this cycle of borrowing, panicking, guilt, hyperventilating with stress. I'm thrilled that this community exists - adding my current debt to my signature is the first time EVER i have taken an honest look at my finances and actually added up what I owe.

    The time to take the plunge is now! I'm a self-employed freelance writer, so what I earn is totally up to my own levels of motivation and my attitude. I've had to admit that I've been stuck in a vicious cycle where I've been depressed about my financial affairs and dependency on loans and people around me, which affects my ability to focus on my work and earn more!! However I am READY to break this pattern by asking for support and taking a good look at my business and financial affairs, and believe that they can be massively improved.

    Any tips from other bipolar sufferers, other freelancers, or any of you at all who I have seen work so hard to get debt-free would be greatly appreciated!! Any support or advice I will take wholeheartedly!!

    P.S. I also design great value and attractive Wordpress websites, so if any of you need a website to get a business/idea going I'm your girl And it'd be going straight off my debt total too

    All the best to anyone who reads this,

    Anna
    Keeping up a positive mental attitude despite all the odds.... and the figures!

    Lightbulb moment: 11th July 2017 Starting Debt: £12,359.31
Page 1
    • Chandelier.
    • By Chandelier. 11th Jul 17, 10:27 AM
    • 490 Posts
    • 1,321 Thanks
    Chandelier.
    • #2
    • 11th Jul 17, 10:27 AM
    • #2
    • 11th Jul 17, 10:27 AM
    I've bipolar.. but I don't see myself suffering it. I see it as part of who I am. It's great you got a diagnosis though and I bet it's a huge relief for you.

    In regards to tips, alot of it is organisation and routine for me.

    Line up all your balances along with interest rates from highest to lowest and put them into what's called the snowball calculator. It should give you and idea of what to pay off first.

    Also feel free to post a SOA regarding your income/outgoings. That way people will be able to comment on ways/areas to cut back on.

    Are you under a MH team? There's a course I did called mood on track which is available those with Bipolar disorder or other closely related disorders which I found rather helpful. It educates you about the condition and creates awareness about highs and lows and ways to tackle these. It also focuses on medication, ways to cope/manage stress and things such as budgeting etc.

    I always make sure I have enough sleep each night and my meds allow this. I am definitely more productive and the highs/lows become lesser as time goes on.

    Although debt I have isn't impulse spending as such, it was down to me having great ideas to move things around to make it cheaper for me. I am obsessed with numbers.

    I hope you manage to get hints and tips enough to help. Maybe start a diary, quite a few of us have them.
    Check out my Diary
    • kikikaito
    • By kikikaito 11th Jul 17, 11:47 AM
    • 2 Posts
    • 2 Thanks
    kikikaito
    • #3
    • 11th Jul 17, 11:47 AM
    Thanks for being my first reply on this forum :)
    • #3
    • 11th Jul 17, 11:47 AM
    You're so right, I don't see myself as a 'sufferer' either! It's a rubbish word, I'm going to stop using it

    Bipolar feels more like a very helpful model to understand myself, I've always been this way! It's good to understand why sometimes I'm such an extrovert ball of self-belief and energy, and other times it's hard to even get out of bed.

    Still during the last manic episode a lot of good stuff happened including gaining some great clients, and writing and performing stand up comedy for the first time!!

    I was feeling really hopeless about the help available out there a few weeks ago. However since then I finally went to the GP who was so lovely, and referred me to a specialist psychiatrist. I've also started counselling arranged through MIND, and they've also signed me up to an AMAZING spoken word therapy class, absolutely loving it.

    Got really supportive friends, family and kitty too. Building more structure into my days with a morning routine (exercise, diary writing, meditation). This financial 'lightbulb moment' feels huge. It's a pathway towards dealing with the entire picture: more self awareness, more planning and structure, and hopefully in the end my debts will translate into savings!!

    I will post a SOA soon! As a freelancer and generally chaotic person this is all very new to me, but gonna do some scouring of my bank account this week.

    Thank you!
    Keeping up a positive mental attitude despite all the odds.... and the figures!

    Lightbulb moment: 11th July 2017 Starting Debt: £12,359.31
    • Chandelier.
    • By Chandelier. 11th Jul 17, 2:39 PM
    • 490 Posts
    • 1,321 Thanks
    Chandelier.
    • #4
    • 11th Jul 17, 2:39 PM
    • #4
    • 11th Jul 17, 2:39 PM
    Can you create a SOA based on your minimum income/ worst case scenario? Or have an average income for the month? I suppose this is where it is hard if your freelance.

    I am currently just doing bank work and know how many hours I need to work each week to ensure bills are paid.

    Its great that you've accessed these services so quickly.

    I'm sure more will be on the way to add their input.
    Check out my Diary
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