Answer:
You must first be held responsible for all your actions or inactions. You must step up and finally admit what it is that is holding you back from developing into the person you want to become. For those seeking better money management, admit your splurges, learn how to control or if possible, eliminate some of them altogether, and then you can accomplish a greater sense of satisfaction at the end of the month, instead of spending time on the phone, making arrangements with creditors because you’ve overspent your budget.
