Bipolar? Here’s Something You Should Never Do
Published: Wed, 06/09/10
Hi ,
How's it going?
Hope you are doing well.
I knew of a person who had bipolar once
who made a big mistake.
And this was a common mistake, too.
She took out a short-term loan, because
she felt that she couldn't wait until she
got paid next.
But then she wasn't able to repay it.
Next thing you know, the company is
trying to take it out of her bank account
(which has no money in it.)
That throws her into the negative with her
bank account, but they still bounce it back
and she still owes this company.
Then they threaten to sue her for the money.
Can you see how it could get really ugly
at this point?
She should have never taken out the loan
in the first place, because she wasn't sure
she'd be able to repay it.
But how many times do people who have
bipolar disorder do this?
They get in a problem financially because
of their manic spending, and then they
need a quick fix.
Well, that quick fix isn't so much of a fix
if you aren't able to pay it back.
Have you ever found yourself in that
situation before?
Maybe you have.
Or maybe you're considering taking out a
loan in the future.
If you are, make absolutely sure you will
be able to pay it back.
Otherwise, it could end up coming back
to haunt you.
There are other things you can do to both
prevent yourself from getting into one of
those tight situations, and to handle it if
you do.
Preventing the situation is best.
This can be done by learning to control
your manic spending, and by doing
everything in your power to prevent
future spending sprees.
Sometimes this means taking drastic
measures, like letting someone else have
control of your money temporarily.
Other times it just takes coping techniques.
Another thing you can do to prevent
yourself from getting into those situations
is to prioritize where your money needs
to go.
Obviously, important bills come first.
Less important bills and food come second.
Fun things come last.
I know, it sucks being an adult, doesn't it?
But prioritizing is a necessary part of life.
Here's a trick I've learned that works for
many people who have bipolar disorder
to help them with finances:
Pay the important things as soon as you
get the money to do so.
Don't wait until it burns a hole in your
pocket and you go out and spend it.
This is called responsibility.
Now, if you haven't followed this advice,
and you find yourself in a tight situation,
then there is a whole different set of things
you should do.
To start off with, see if someone can help
you without the requirement of you paying
them back.
This isn't to say you shouldn't pay them
back, but at least if they are not expecting
it then you won't get penalized if it takes
you a while to do so.
Another thing you can do that is at least
a little better than going to a loan company
is to take a loan out from a friend or
family member.
But if you do this, then once again, make
sure you can pay them back, and in the
time you agreed upon!
In some ways this is even more important,
because your relationship with that person
might just depend on whether you pay
them back.
I would suggest avoiding loans altogether
if at all possible.
What are your thoughts on this?
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Well, I have to go!
Your Friend,
Dave
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