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Old Feb 15, 2016, 08:11 PM
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ComfortablyNumb5 ComfortablyNumb5 is offline
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Member Since: Sep 2015
Location: Michigan
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My BP never caused me to impulsively spend more than like $100 at a time (even though that adds up!) but it's made me ignorant when it comes to bills. More often in times of deep depression. There are times on and off when I was unmedicated and too ill to care or to see that I had to work. I would spend months drinking and stuffing bills in drawers when they came. I'd even stop getting the mail. A few times the mailman put an "unoccupied box" notice in my mailbox. I wouldn't care until the lights got turned off and I'd have to borrow money or take from my inheritance. Now I am grateful and lucky my mother left me money when she passed and I have invested towards things but honestly it's also a curse. And to make things worse, my bf (who isn't MI) is the same way. Head in the sand! Often our cable gets turned off inbetween paychecks ect.

Well I went back to work about 2 months ago after a deep depression and getting back on meds but it's a little too late. Among these bills that I hid away were my property taxes on my house. This will be the second time my house almost went into foreclosure. We are about to go into a payment plan with the county treasury but our current taxes must be paid. Big problem. We have nothing saved. We don't make much money as it is. We are going to have to ask family for help. Who knows if they even will. I blame my own self. The other night I broke down to my dad (who is aware of our situation) and told him we are also behind on condo fees. I cried like a little baby. Even though it felt good to get it out, it doesn't fix things.

I blame myself, my depression, my carelessness, my BP and probably even my BPD. I have a job now and I'm playing catch up. But the money goes as fast as it comes.

Anyone else been affected by their BP and their poor financial choices?

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  #2  
Old Feb 15, 2016, 08:50 PM
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BipolaRNurse BipolaRNurse is offline
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Member Since: Mar 2012
Location: Western US
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I spent myself and my family into bankruptcy not once, but TWICE. I failed to file tax returns for several years and am now paying them a little at a time out of my disability checks. We also lost our home and our way of life because I got to the point where I could no longer work. Now I live with my son because I can't afford my own place. Yes, I'd say BP has affected my finances a bit.
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  #3  
Old Feb 15, 2016, 09:04 PM
SingDanceRunLife SingDanceRunLife is offline
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Member Since: Nov 2007
Location: Minnesota
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I have almost 2k in credit card debt from hypomanic spending. I got the card to buy groceries and immediately pay off to build credit, but instead, I just bought anything and everything and ruined my credit
  #4  
Old Feb 15, 2016, 09:12 PM
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fishin fool fishin fool is offline
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Location: New Jersey
Posts: 11,872
This is a deep question and now looking back over my life I can see how BP
hurt me financially. Its a little tough to explain it right now so I will think
it through and get back to you.
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  #5  
Old Feb 15, 2016, 09:13 PM
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gina_re gina_re is offline
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Member Since: Jun 2012
Location: East Coast
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I ran up over $20K of unsecured credit card debt. I can barely remember what all that was spent on. I ended up filing for bankruptcy because I couldn't afford the payments anymore. I've been living off of only cash since. I'm nervous to go back down that road again.
  #6  
Old Feb 15, 2016, 09:18 PM
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YMIHere YMIHere is offline
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Member Since: Aug 2015
Location: Florida
Posts: 324
I have BP and ADHD and I'm a financial mess.

When something happened and I couldn't pay bills, I just wouldn't pay ANY of them. Mind you I have a son who lives with me who helps with the bills now - we split pretty much 50/50, but anything else - medical, credit cards, etc. has been a mess since I got my first credit card at 18 in college. Actually that's not true. I signed up for a stupid career school that threw me out and I still owed them money. For that reason I cut my nose to spite my face and I REFUSED to pay them. It finally got paid off a couple of years ago and I'm 45. They took my tax returns for a few years which is what paid it off.

I like having a roof over my head and the lights on so I tend to keep that going, but I so desperately want to buy a house - it would be CHEAPER than renting - but NOBODY is going to give me a mortgage.
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WARNING! I have ADHD. Expect long winded, off topic responses. Your understanding is appreciated.
  #7  
Old Feb 15, 2016, 09:27 PM
hopeless2015 hopeless2015 is offline
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Location: USA
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I'm in the process of filing bankruptcy now, o cannot and do not manage my money, my paycheck goes into my mom's account and I have her write a check to my husband for bills and I get an allowance. Gambling, running up credit cards and didn't pay bills. BP definitely effected my finances. My husband and I will probably never have joint accounts

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  #8  
Old Feb 15, 2016, 09:59 PM
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raspberrytorte raspberrytorte is offline
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Member Since: Mar 2015
Location: USA
Posts: 6,607
Right now our debt is medical bills from my last three hospital stays. It's a lot.
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  #9  
Old Feb 15, 2016, 10:16 PM
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BlueInanna BlueInanna is offline
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Member Since: Dec 2011
Location: Colorado
Posts: 4,624
oh gosh ouch I'm in a horrible spot financially. Some impulse spending, but even more are medical bills. And honestly most of the problems are from depressions where I didn't even check the mailbox for weeks
I can barely keep up with the late fees and high interest rates.
Sending good wishes for tons of money & prosperity for all of us here!
It sure could help solve some problems.
  #10  
Old Feb 15, 2016, 10:18 PM
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Nammu Nammu is offline
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Member Since: May 2010
Location: Some where between my inner mind and the solar system.
Posts: 76,527
How do you calculate lost income and low income from being under employed? The thousands spent on pills and hospitals and doctors?

I do the same thing when depressed, never get my mail. Thank god for electronic banks, during my last depression the postal service stuffed a note in my box to pick my mail up at the P.O. because it was months before I bothered to get the mail, I would sneak out around 2 am(when no one could see me{I know, paranoid much} take a bag and dump all the mail in it and then dump it in a corner of the house) I would manage once a month to sign on and guessamate my bills and pay on line. When I'm manic I'm too engrossed in whatever occupies my focus to bother with trivial things like bills, my mania doesn't last nearly as long as the depression tho, 2 months is the longest I can think of.
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  #11  
Old Feb 16, 2016, 02:58 AM
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Imah Imah is offline
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Member Since: Oct 2014
Location: United States
Posts: 397
1. Switching jobs repeatedly affects pay/insurance.
2. Moving locations spontaneously.
3. Spending outside of budget, impulse, not keeping check ledger, putting off bills due to impulse buying.
4. Not owning anything but luggage until age 24. Bankruptcy + huge lifestyle change in late 30's (I still miss the pool). Car repossessed in late 40's.
5. Now on SSI. Zero savings, no credit, rating in the 300's, can't afford to repair credit or get new car. Just slowly riding the road of life on a bicycle on the side of the road.
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  #12  
Old Feb 16, 2016, 08:08 AM
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Woolly Bugger Woolly Bugger is offline
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Member Since: May 2015
Location: New England
Posts: 587
I could have been a spectacular success many times over if it hadn't been for BP. Instead, I just muddle along in mediocrity. At least I'm stable, debt-free, happily married, and own my own home. But am I happy? It's hard to say.
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