You’re broke because you choose to be

The title of today’s post may be a little harsh, but I’m not one for sugarcoating. If you have been in a coma for the last two years, you may not have noticed the economy is not in the greatest shape. There is no denying many Americans have been affected by the economic downturn, but I get pretty frustrated with people that always point the finger at someone else.

I am going to punch a baby in the face (figuratively speaking of course)  if I hear another person complain about how broke they are. Don’t get me wrong, I don’t have a problem with broke people, I only have an issue with those that complain about being broke, but have no plan to become un-broke (is that a word?).

Don’t tell me you can’t get ahead when you have an 800 channel cable package, an unlimited cell phone plan, and a fridge full of beer and soda. Wanna know something? You’re not broke, you’re stupid. Ya gotta change your mentality. You have to accept responsibility for your situation and quit pointing the finger at someone else (even if it really is someone elses fault).

Maybe you worked really hard, made a decent salary, used your credit cards responsibly, but fell victim to some shady business practices from your lender. Oh freakin well. Last time I checked, bitterness wasn’t a key to success. Bad things do happen to good people, but what really separates the winners from the un-winners (losers sounded too harsh) is the drive to consistently better themselves.

If you have found yourself strapped for cash, don’t sit idly by and wait for someone to fix your problems, it’s on your shoulders. That means you might have to say goodbye dining out, adios Nordstrom, and ::GASP:: farewell tall-non-fat-caramel-macchiato-upside-down-with-a-whip-a-grip-and-a-kung-fu-twist from Starbucks. Please do not tell me you aren’t sure how you are going to pay your credit card bill if you haven’t canceled your cable. Change starts with you (and your spending habits).

Yes my tone may be slighty harsh, but sometimes people need a good swift kick in the a$$. My assumption is most of my readers are either financially secure, or at least have a plan to become financially secure, and therefore this message does not really apply to you, but it’s still an important message nonetheless. Do you have any good stories from people whining about their finances when they have done NOTHING to correct the issue? Is it possible that I simply lack compassion and am actually a terrible person for being so mean? You can call me mean, but I like to think of myself as…well…honest 🙂