Every Household Should Have a Budget and needs to tak Personal Responsibility. This series of blogs has addressed each area of personal finance. Bottom line here is the deal, we all make decisions and choices. Many times those decisions or choices will have consequences. Some of the consequences will be more severe than others. It is YOUR responsiblity to adress the issues that arise. Don't pretend it will go away. This rarely happens. You will find it a much better result if you tackle each one in a timely fashion.