This is interesting. Liz Pulliam Weston says that if you're having financial troubles, it's your fault. She's a highly read financial columnist, and she's listed the many excuses she's been given by people in financial binds. Less overtime, higher unplanned expenses, divorce, bad economy, credit cards, mortgage, bad parenting, or you're just plain bad with numbers. She's heard them all and she's having none of it.
Ultimately, it's up to you to spend less than you earn.
Ms. Weston lists a few fairly common and fairly easy to follow ideas to identify, fix, and leave behind your financial problems. While she does say that your problems are of your own doing, she does understand the various difficulties people face. Those issues, whether caused by government, corporations, credit card companies or health care, can and should be discussed and improved. However, Ms. Weston writes, "But first make sure your own house is in order. Don't leave your financial well-being to the whims of others. Taking charge, taking responsibility and finding solutions is what empowers us and what ultimately lead to financial freedom."