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Little Bit of a Personal Responsibility Rant

April 19th, 2011 at 05:40 pm

I don't know. Sometimes I have a hard time dealing with people who aren't willing to take responsibiliy for their own actions. As someone who accrued a lot of debt (most of it for medical, but some of it not), I know and my husband knows, that we are responsible for paying off that debt because we incurred it. Yes, I may hate the evil credit card companies, but I don't blame them for the fact that we chose to use them. I don't blame them for the fact that we are in debt. I don't blame them for our decisions. We made them. We live with them. It is not their fault we are in the debt we are in. It is clearly ours.

I guess what is getting to me is that there was a post in the forums today. Someone wrote in about how they had been late paying their credit card a few times and eventually their credit card got closed by their credit union. Because of this their credit union "messed up" their credit. This really irked me. Umm...no, their failure to pay their credit card on time more than once messed up their credit. It doesn't matter if they were never more than 30 days late on a payment (justification), late is late is late. Why is any of this the credit union's fault? It's not. They did it all on their own. Take some responsibility. Own your choices. Don't blame your situation on others.

End Rant.

2 Responses to “Little Bit of a Personal Responsibility Rant”

  1. Amber Says:

    I agree, I incurred these expenses on my CC living above my means and I am responsible. It drives me crazy when people say the bank are at fault.

  2. ceejay74 Says:

    I'm with you, for sure. I try to be patient and I don't know everyone's story; their background, upbringing, coping skills, etc. But I never considered getting out of any of my debt. I probably had the kind of debt load that would cause some people to turn to bankruptcy, but it just honestly didn't occur to me. I did it; I had to answer to it. Medical disasters may be one valid reason, to me, depending on circumstances; extended unemployment despite one's best efforts another. But if it's just poor planning and general waste, like my debt, there was no excuse not to deal with it myself.

    That said, I don't think people realize they're sounding entitled and misguided. I think they genuinely feel that out of control of their finances, that when things like this happen it feels like victimization. So I do have some sympathy because it's not really people's fault that they just can't comprehend it.

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