When it comes down to setting your budget, saving your money, spending your money, and acting responsibly with money overall, you are your own worst enemy. You and only you are responsible for keeping your self-made goals. There are tools that you can use to help yourself, but the only enemy that you need to worry about is yourself.
Your spouse is not responsible. Let’s assume for a minute that you don’t have a spouse that is running around buying up all the $700 pairs of shoes in town. Stop blaming your spouse. He/She is not responsible for the debt that your in, your blown budget, and your lack of an emergency fund. Your spouse, however, is an excellent tool to use to overcome all of those problems. Get on the same team as your spouse. Your spouse can keep you accountable better than anyone else. Discussing the finances with your spouse is a good thing. Get them on your side.
The Credit Card companies are not responsible for your debt and the lack of paying it off. They may hold the note on that debt and encourage you to use your “credit”, but ultimately, it is you that uses it. And it’s you that chooses to sign the receipt. And it’s you who chooses to continue to carry that plastic in your wallet. If you can’t use credit cards responsibly as a tool, get rid of them. No Excuses. Everytime you sign the slip, you accept responsibility for the damage you’re doing.
You have taken responsibility for so many of the things in your life from feeding yourself (I assume) to cleaning yourself (assuming again) and even to dressing yourself (yep, assuming.). Why, then, do you blame everyone else for your financial woes? Would you blame them if you fed yourself cardboard? If you tried to bathe with sewer water? Or if you forgot to put your shoes on and walked on sharp stones? No, you wouldn’t. Stop trying to pass the blame for your monetary faults to someone/something else. Your actions are directly responsible for where you are. The moment you take responsibility for those actions and their results is the moment you are free of their bindings. It’s the moment you can begin to feel free of them and can begin to correct them. And once they are corrected and you have broken those old habits, you will be free to develop new habits that will set you free from that old life.
Take responsibility. Change yourself for the better.