Somehow, while paying my bills — which takes so much longer than it would if I had more money — but I digress . . . I started thinking about debt and sexually transmitted diseases. Don’t ask me why. So, here, without further ado, is a list of how debt is like an STD.

1. You’d rather people not know about it.

Really, no one starts a date with reaching under the table to scratch and saying, “Sorry, but I really itch down there. It’s supposed to stop in a few days.”

or

“Can you pay if my card gets declined? I think I have enough left on this card, but if I don’t, they might confiscate it. But it’s probably cool.”

2. Both can, literally, drive you crazy.

Untreated Syphilis can lead to dementia.

Stress from debt can lead to depression, heart attack, stroke, and even sometimes suicide.

Seriously, it’s not funny.

3. Both could have been avoided by a some self-control and pre-planning:

Don’t do it with anybody or everybody or buy anything or everything just because they are just sooo cute.

Use the available precautions, like stopping at the store to buy condoms before screwing, or checking your balance before swiping.

Or . . .

Ask a simple question, “How much is this?” or “What is that sore?”

4. Treatment can sometimes take a while

STDs may require a course of antibiotics, then retesting, sometimes a change in medications, and retesting, etc. Rinse, repeat.

It can takes weeks, months, or years to climb out of debt, one payment at a time. Pay, Rinse, repeat.

5. Both conditions require a period of abstinence.

Keep your pants on (and mouth closed) until further notice.

Keep your shopping cart empty and put your plastic away. Step away from the mall.

In other words, keep your ass home and offline and enjoy simple pursuits — like pain-free peeing and going to mailbox without breaking into a cold sweat.

6. You can get both from people you love.

You can make an informed decision to be intimate within a loving, monogamous, trusting relationship and SURPRISE! Your Bae has crabs!

You can, after careful consideration, co-sign on a loan with a trusted friend, lover, relative and SURPRISE your friend / lover relative never had the ability or intention to make the payments.

Bottom line: You can get screwed by your loved ones resulting in a angry rash or low credit score.

7. You can inherit both an STD and Debt.

Sadly, a baby can be born with an STD if the mother had one.

Thanks, Mom.

Sadly, a spouse can die and leave you with his or her debt.

Thanks, Babe.

8. STDs and Debt can force you to have uncomfortable conversations.

“Um, I tested positive for chlamydia and um, you should be tested too. Kthxbye.”

“Um, I didn’t make the payments and um, they took our car last night. I am so so sorry.”

9. I doesn’t matter how you got infected with an STD or fell into crippling debt,you have to do something about it or things could get uncomfortable, or downright ugly.

Antibiotics don’t judge. You might need them because you were a indiscriminate, stupid, dirty whore who decided that the open sores, puss, or little bugs on your married lover you met in line at the clinic were cute, or, you could be a faithful, loving, devoted husband or wife who got screwed (literally and figuratively) by your healthy looking cheating spouse who happens to be infected with — something.

Same with debt. You might be in deep debt because you stupidly indulged a shoe fetish or like to hang out at the race track or casino, or, you could be conpletely innocent but gotten divorced, sick, fired, ripped off by a stranger or family member.

Either way you have to do something about it to clear your record. Now.

I think that personal finance folks should back off the blame train and offer concrete ways to deal with a situation without too much talk about how you got there, because debt is like an STD, if you have it, you don’t like it, and you don’t want again.

People are more likely to seek help or advice for lifestyle changes faster for personal credit card debt — or gonorrhea — if they don’t risk being reprimanded, scolded, or ridiculed for suffering from a condition they already do not enjoy. Sure, offer tips to avoid a repeat exposure, but do so with the assumption that the person doesn’t want to deal with this again.

Lesson has likely been learned once you experience that first itch or open sore in a private place, or get that first red letter in the mail.

Ignoring either problem can get ugly. Go ahead, Google Images for Syphillis, Gonorrhea, and Homelessness.

I dare ya.

Just Me With . . . a debt comparison.

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