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Black Bear

At Black Bear, we share informative articles and personal stories about struggling with mental health and substance use disorders.

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My Mental Health Depends on the Money I Make

7 min readJan 20, 2025

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A closeup of a five pound note rolled up.
Photo by on

My mortgage payment was due in two days, and I didn’t have the money. I was going to start the New Year by losing my home.

The fear had been rising all month. It was distant and peripheral at first, but it crept closer with each food shop or present I bought, sucking air through my teeth at the audacity of the prices. Each day of work missed for illness or festivities worsened the dread until it was an all-consuming despair.

It felt like I was lacking. Although my writing is my main source of income, I also place so much of my identity on being a writer. Because my income is based on the quality and quantity of my work, my self-worth became measured by the numbers on my bank statement, and I wasn’t worth enough.

The glut of Christmas intensified my feeling of failure. I couldn’t contribute to the merriment, the gifts, or the feasting because I knew my mortgage was about to default.

I couldn’t lose my home, not just for my sake, but for the family we were building.

Beginning a new life

My partner Abi and her daughter planned to move in with me in March this year. We met while I was walking the coast of Great Britain for a…

Black Bear
Black Bear

Published in Black Bear

At Black Bear, we share informative articles and personal stories about struggling with mental health and substance use disorders.

James Lloyd
James Lloyd

Written by James Lloyd

Writer, Artist, Photographer, Hiker Writing a book about my transformative year long hike around the coast of Great Britain.

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