Well, while most other people enjoyed their 4th of July weekend in whatever way seemed fit to them, I was feeling rather miserable with the worst summer cold that I have ever had, courtesy of my wife and kid. We originally thought that I brought the cold home but Heather got sick first and then the baby. I followed shortly thereafter as those two were in full recovery mode. I had two days of work and then on my day off I ended up finishing a project for a friend of ours whose husband is deployed. I thought I was going to die (not really but I did feel really miserable). The rest of the weekend we have done nothing but lay around the house, clean-up a little bit, and grocery shop.
I still have a sore throat but it is 100 times better than it has been and I am looking forward to a solid nights sleep for a change. Heather still has some drainage as well so I guess we are both going to keep drinking whatever fluids we can get our hands on until this “thing” passes.
Back to work tomorrow, to include mowing on the side a couple of times this week. I keep reading about the economy and how it stinks, and how people can’t pay their bills, and people can’t find a job, and blah, blah, blah. I don’t know what I believe about it all. There is always someplace to work, even if you don’t want to be there (i.e. fast food restaurants, mowing lawns, call center operations, pizza delivery, etc…). The other kicker that I don’t get is how folks don’t know how to live within their means. I mean sheesh people, have we really been brain-washed or what?! If you cannot pay cash for it, don’t buy it! That simple. “Well, you don’t know what it is like to have the only car you own breakdown and need $2,000 in repairs that you don’t have because the baby was sick with pneumonia and the doctor’s bill took the last of the savings, and our food pantry only has anchovies in it from last year….” Have you really ever met someone who says these things? I have not. The people that I talk to who are down financially typically have brought it on themselves (that stings a little doesn’t it?). Losing the job doesn’t create the predicament someone finds themselves in. Not correctly managing the funds they were bringing in before put them in that situation.
Hypothetical example using my own life:
Let’s say that I have a non-work related accident right now that lands me in the hospital only to find out that I am no longer able to use my hands for some reason. What would Heather and I do? First off, I don’t have medical insurance outside of the Veteran’s Administration so if they don’t cover the medical bills then I would now be in debt probably around $35K. Secondly, we only have about 1 month of living expenses saved up so the month that I am in the hospital has already wiped that out. Now what? Well, we sell the house, sell my beater truck, sell as many possessions as we can get rid of and still live, start looking at what family members would help us out on the front end as we piece things back together. For “woe is me effect” let’s say we have no friends and family to fall back on. Then we end up in default on our mortgage so the house is gone and now we are possibly looking at filing for personal bankruptcy. We have had to sell almost everything so there is not much left outside of our mini-van and a couple of suitcases. The baby still has insurance through the government but Heather and I are uninsured. Whose responsibility are we? The Federal Government? The State of TN? Our neighbor’s? The church’s? What about the non-profit folks?
I contend that we are nobody’s responsibility. First off, my failure to have insurance that would cover such a situation is what put us in this predicament in the first place. As a matter of fact, now that I have written this scenario one of the first things I am going to do this week is to find a way in our budget to get me major medical private insurance as well as short-term disability insurance. I might have to work another job or two each month in order to make the money to get it but it is what has to be done. It is my responsibility.
What do you guys think? Isn’t the state of the economy really our own fault for how we have allowed consumerism economics to run our lives? The economy needs a rest and so do our pocket books. Me included. I would have rather seen a second Great Depression before seeing the direction that our government is headed with trying to keep a broken free-enterprise system floating.