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If there’s one thing I want you to remember as the holiday demands ramp up and 2015 winds down, it’s this:
Your life is up to you.
It’s so easy to fall into the blame game trap and point a finger at others when things go wrong. But the harsh truth is that no one other than you is responsible for your life and your decisions.
And guess what? That’s awesome!
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You have complete control of . . .
Whether or not you go into debt.
Whether you use credit cards to pay for Christmas gifts.
Whether you take out a mortgage you can’t afford.
Whether you lease a car.
Whether or not you overspend on Christmas dinner.
Whether you take out a student loan.
Whether you travel cross-country to see Aunt Irene, who guilted you into coming.
Whether you save and invest for your future.
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Whether you give generously.
You get to celebrate your successes and accept the consequences of your poor decisions. When you finally pay off all your credit card debt, pat yourself on the back. You did it! On the flip side, if you can’t make the payments on the new BMW you just bought . . . well, whose fault is that?
We all make mistakes. Believe me, I know I have! The trick is to make sure we don’t let that feeling of entitlement creep in—the idea that we “deserve” something just because other people have it.
You can’t wait around and rely on the government, the president, a pastor or a spouse to change your life. Only you can do that.
So, with the holidays here and with a new year on the way, I want you to remember this simple truth: No matter what money mistakes you’ve made in the past, it’s never too late to turn your situation around . . . even during this time of year when it’s so easy to overspend.
Take control and be wise with your money. You’ve got this!
Rachel Cruze is a seasoned communicator and presenter, helping Americans learn the proper ways to handle money and stay out of debt. Her new book Smart Money Smart Kids, co-authored by her dad Dave Ramsey, released April 2014 and debuted at #1 on the New York Times best-sellers list. You can follow Rachel on Twitter at @RachelCruze, online at rachelcruze.com, or at facebook.com/rachelramseycruze.