Proposal

So basically I’ve made just about every wrong financial decision you can make. I make a lot of them when I was younger; I made some of them not that long ago.

I read Suze Orman’s 2009 Action Plan. It was not necessarily an eye-opener since I had heard some of it before, but it bought into sharp focus this fact: Credit cards are evil. They may be a necessary evil if you want to rent a car or book a hotel room or order something over the Internet, but if you can’t pay off the entire balance as soon as the bill comes, you are living beyond your means.

Let’s repeat that: If you use your credit card and you can’t pay off the whole balance when the bill comes due, you are living beyond your means, and you need to stop.

Do you want to argue with that? If so, argue with Suze. She has completely convinced me of this. If I use my credit card and can’t pay off the whole balance when the bill comes due, I am living beyond my means, and I need to stop.

So, why oh why are I using my credit card? Why is my balance on that credit card increasing?

The answer is this: To pay my medical bills. It’s the only access to credit I have in the amount I need for my medical bills, but I can’t tell you how much I RESENT having to use it for that.

Obama can win my allegiance no matter what scandal eventually hits his administration -- and there will be one -- if he can lead this nation to affordable healthcare. I am willing to pay for health insurance, but I can’t get it. No one will insure diabetics, not unless it’s on a group policy where they have to take me.

And this is a the result of a bad decision that I made years ago. I was healthy and didn’t think I could afford to have a health plan. I thought I’d get one later. What a foolish thing to do. I may have bankrupted my future by that decision. I’d like to be able to go back and hit myself in the mouth every time I attempted to call and cancel my health insurance.

However, I can’t do that. I have to move on from where I am. So I’ve decided to get married. Yes, that’s right. Married. If you’re single and have a health plan that will cover your spouse, I’m your man.

I’m just kidding.

Sort of.

Look, there have been worse reasons to get married. And some of those marriages doubtlessly didn’t end in murder.

I’m not saying I’d actually do it.

But I’m not saying I wouldn’t either.

Have a great day tomorrow. (And check out those health plans.) Night!

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