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Making a Bipolar Budget: Because Money Can Buy Happiness   Leave a comment

Whoever said money can’t buy happiness is delusional.  Obviously you can not walk into the supermarket and pick up a box of happiness, roll up a dollar bill and smoke it for instant happiness, or even just hold onto a big wad of cash and suddenly be awash in the warm well being of happiness.

But if you are underwater with your credit cards and about to lose your home, winning the lottery will make you happy.  Or if you’re tired of looking like a park ranger driving that fifteen year old hand-me-down Subaru Forrester, and you get a big bonus at work, buying a 2013 Lexus is bound to make you extremely happy.  Even if you’re depressed, simply knowing money is not one of your problems has got to make you a little happy.

When you’re bipolar money plays an even more significant role in your life.  If you don’t have it it’s one more thing to be depressed about.  Paying for your doctor and your medications are as important as your rent.  And if you don’t have enough for both, you have to decide whether you want to be functional but homeless or have a roof over your head while you wallow without medication in misery.

If you’re of modest means, experiencing bipolar depression and have credit cards, you might use them to bring you comfort; keep all your movie channels, make sure you have unlimited texting, if you’re feeling miserable you can order your favorite delivery every night and hire a cleaning lady twice a week for your studio apartment since cleaning stresses you out.  Although depressed, the credit cards have brought you a degree of happiness until you reach your limits and have to declare bankruptcy.  Then you are really depressed as the well hath run dry.

And if you are manic, money for sure can bring happiness.  You can take your friends out to dinner, order the best wine, change luxury cars like you change your socks, live in a great condo, have a fine Swiss watch for every day of the week and everything else that comes with wealth… However if you’re manic sooner or later you are going to bust out.  And when you are no longer big man on campus and have to start selling the things that brought you so much happiness, they leave you with only depression.   You end up writhing in pain for what you had, how you squandered it and your new lot in life as an ordinary schlump.

So you see,  money does buy happiness.  But the one caveat is it all depends on how you use it.  However if you are in deep bipolar depression or in lofty mania, your judgement is skewed on how to properly disseminate your loot.  If you don’t have cash on hand, borrowing it could cause your money to turn around and attack you when it comes time to start paying it back.   Then come the harassing phone calls from collection agencies making sure you feel like a deadbeat, the repo man taking your car so all your neighbors will think you’re a deadbeat, and the trip to the bankruptcy attorney when you yourself realize you are a deadbeat.

Whether your bipolar comes with mostly depression, mania or hypomania, you have to be extra vigilant with how you handle your finances.  Remember, if money buys happiness, then having none brings just the opposite; misery.   If you don’t have a lot, put together a workable budget when you are feeling well.  If you suffer a deep depression, stay on that budget.  You can trust it to work even when your mind isn’t.  Feel secure in the fact you have a plan that works which will take care of you in your time of illness.  Simple financial security for even the poorest of the poor is very comforting when going through a significant bipolar depressive episode.

The same goes for bipolars who’s illness manifests itself in mania.  Even if you have financial resources, you still need a budget.  Otherwise you’ll overspend, start using credit and end up losing it all when you can’t pay it back.  Then you’ll take the same walk of shame to bankruptcy court.   If you have money, there is no reason why you can not have nice things.  But budget how much you can spend on non-necessities vs what you need to comfortably pay your bills. Again, if you do have a manic episode, stick to the budget no matter what you think you can afford.  If you are positive something is a good move within your financial means, it will still be a good move when you come back down from your manic episode.

Our entire society and reward system revolves around money.  And Bipolar Disease causes its sufferers to have issues with depression, mania and self-worth.  In a society where money can ease depression and increase self-worth, its interaction with bipolar people can be profound.  Furthermore, unless we become a society without currency, which does not exist anywhere even if we’re talking about trading chickens and cows in Africa, people with Bipolar Disease have to make a conscious effort to budget and stick with it.  Especially when they are in a state of depression or mania and not thinking clearly.  A budget will get them through the hard times without escalation.  Otherwise, bankruptcy will be one more ugly aspect in their bipolar basket of a broken life.