International Happiness Day

Self improvement guru, lecturer, and author of How to Win Friends and Influence People Dale Brekenridge Carnegi once said, “It isn’t what you have or who you are or where you are or what you are doing that makes you happy or unhappy. It is what you think about it” and today, on International Happiness Day, I could not agree more.

Once devastated to the point of ill health I am relieved to say I am no longer the woman who could once be found underweight, completely bald from stress and cowering in her soon to be repossessed home. Police officers from the Armed Response Unit do not now frequent my drive to discourage angry tradesmen from laying siege and the threat of a claw hammer to my husband’s head is not what I think of when I hear a knock at my door. No more do I endure the involuntary stomach flips which used to go hand in hand with a glimpse of the postman approaching my house and neither do I answer each and every phone call with the trepidation of a woman braced for the onslaught of hard line debt collectors and their verbal abuse.

It has taken almost five years, upwards of three hundred and fifty letters, forty or more debt counselling consultations, three full blown Financial Ombudsman Service investigations, one hundred and fifty five blog posts, twenty thousand two hundred and ninety four page views,  one thousand nine hundred and ninety six tweets,  an inordinate amount of political and economic reading,  numerous phone calls, countless comments on facebook together with thousands and thousands of man hours to discover that although happiness is not dependent on what I have, where I am or what I am doing, happiness is definitely about having something to hope for.

American author and essayist Elizabeth Gilbert once said, “Happiness is the consequence of personal effort. You fight for it, strive for it, insist upon it, and sometimes even travel around the world looking for it. You have to participate relentlessly in the manifestations of your own blessings. And once you have achieved a state of happiness, you must never become lax about maintaining it. You must make a mighty effort to keep swimming upward into that happiness forever, to stay afloat on top of it” and although financially our circumstances have remained unchanged, I am very pleased to report that by fighting, striving and insisting I have not only discovered that I have been a victim of mortgage fraud but I have also found someone who investigates financial fraud on behalf of clients trapped by the wrongdoing of lenders and their associates who is prepared to take my case.

Because of this I now most definitely have hope and it is for this reason, today on International Happiness Day, I feel truly happy!

Unlevel Playing Fields

Philosopher, lawyer and political theorist Marcus Tullius Cicero once said, “When government becomes powerful it is destructive, extravagant and violent, it is a userer which takes bread from innocent mouths and deprives honourable men of their substance, for votes with which to perpetuate itself” and using austerity measures to redress the fraudulence of the banks and the greed of the corporate elite does precisely the same.

Those who would have us believe “we are all in this together” insisted,

• Bank bailouts would protect shareholders, help home owners and preserve jobs
• Bankers would use tax payers support to bolster the economy
• Official enquiries would hold those responsible to account
• Government guidelines and financial regulation would protect the vulnerable

However, during almost five years of economic crisis,

• Bailouts continue to save the bankers and not their customers or the economy
• Taxpayer investment provided funds for mis-selling reinbursement and rewards for failure
• FSA investigations held no-one to account bar a few insignificant fines
• Job losses and austerity measures reduced the incomes of the vulnerable and left them stripped of their homes

Before the crisis of 2008 those daring to suggest deregulated, reckless lending would come home to roost were labelled incompetents and lunatics. Four years later, as a direct result of bailout related austerity measures, cut backs dictate my eighty six year old mother cannot receive an attendance allowance unless she has been unable to manage her personal care for more than six months and her GP tells me he is unable to admit her to hospital unless he can secure funding for her treatment with ultra sound evidence for which the waiting list is six to eight weeks. Struggling to address her medical emergency along with her future care while unsuccessfully pressing HBOS to investigate my long overdue complaint, it beggars belief to find our banksters, who to date have remained largely unchallenged, are once again deliberating over how best to pocket obscene rewards for their gargantuan failures while the vulnerable and the innocent pay the price for years to come.

For the vast majority David Cameron’s “aspiration nation” is far from a shiny new goal for our economic future but instead a harsh and painful consequence of our bankers wicked past. After decades of unregulated pillaging, banks have bequeathed us a legacy of cut backs and cover ups and because of this, a few much loved but often fanciful aspirations are all a great many of us now have left. Marcus Tullius Cicero also said, “If the truth were self evident, eloquence would be unnecessary” and despite what some would have us believe, the playing field in this financial crisis is definitely not level however eloquently it is portrayed.