Payday Loan Victims

I read the following post about payday loan victims on All Financial Matters and I have the following comments to his views:

I agree! One thing I talk a lot about a lot in my Personal Finance 101 class series is that YOU are the only person who cares about your money and YOU are the only person who is responsible for the decisions you make regarding your money. Way too many people these days blame others when realistically the problem was caused because the person was uneducated and did nothing to change that situation. Education, or lack thereof, is a personal choice but again, it's typically blamed on others.

Personal responsibility is something that is definitely missing from today's society and I see it everywhere from the cashier at CVS to my co-workers.

The only advantage is that for those of us who are responsible, we stand out above the crowd and more doors open for us.

So what it comes down to is: take responsibility for your mistakes. Admit that you made bad choices, figure out how to change things going forward, and move on with your life. It'll take time and effort and, probably, sacrifice, but it'll be worth it in the long run.