After a morning of constant, productive, hangover free writing (for the 4th morning running), I took a trip to a provincial town just outside London to sign the papers to complete my super sized re-mortgage at a solicitor.
None of the establishments at which I was educated prepared me for the rigours of rolling my debts into one loan by re-mortgaging. It has taken 6 months and cost me thousands.
Indeed, a lawyer was needed, such were the depths of financial woe. In fact, signing in their presence for such a large sum of money brought me out in a cold sweat.
It was one of the moments in life where everything is brought to life in an instant, and I realised in a series of colourful but blurred flashbacks quite how much money i have invested in my endless pursuit of wrongery over the years.
Debt, I am informed by advertising guru friend, is now the single biggest worry for 20somethings everywhere. 1 in 4 20somethings have no conifidence whatsoever they will ever get out of it.
Doctors start work with up £60k of debt! The average law student passes the bar with £15k. Normal people from normal universities brainlessly accrue credit cards and debts before there first act out in the real world - declaring themselves bankrupt.
And your average pisshead bon viveur who can't quite support his lavish lifestyle can get to... well, a hell of a lot, let me tell you. But anyway, my visit to the solicitor sees a new financial era begin, with manageable repayments of all debts including mortgage.
I feel like a new man.
Debt is that most pressing of issues for the 20something.
It is easily passed off as 'an investment in my future', but for many turns into the defining, wretched influence in their life, and is thus written all over their actions and their lives.
The ease with which credit and loans are acquired needs proper examination. Virgin's current advertising campaign, encouraging young people to 'say yes' to credit, is among the most predatory and unsavoury i have seen. It seems to promise a kind of social and fashion nirvana, a complete lifestyle upgrade.
But in reality, the opposite is true. The more grizzled 20somethings amongst us will tell you that debt can bestow an armageddon like feeling on young people.
It's too bad this government seems concerned only with increasing the debts of 20somethings as opposed to helping them make the correct choices in life.
How To Survive Your 20's In One Piece is one book that will be reading the riot act on the current debt scenario for young people everywhere.
I have the government in my sights today.
My book will be so widely read i must not neglect to use it as a proper platform for soical improvements long overdue.
As opposed to a neat outlet for my daily need to distribute toilet humour.
Writing time: 4 hours due to provinical jaunt
Manifestation: 95%
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