Blameshifting: The American Pastime.

In my primary career as a motor officer, I hear lies excuses all the time.  I have grown to affectionately refer to the experience as “blameshifting”.4520266264_ddec56bf04_m

Blameshifting is the subtle art of transferring responsibility to someone else.  Hear are some highlights I’ve heard:

  • Why didn’t you stop the person in front of me that was going the same speed?
  • Why can’t you stop those kids from racing up and down my street?
  • Why didn’t you stop the guy behind me that was so close I was forced to speed up?
  • Why, oh why, won’t you stop the “real criminal” instead of me?

My answer to them all tends to be eerily similar.

Take responsibility for your actions.

Guess what?  The same applies with your finances.

In the last five years of our financial journey, both personally and leading Financial Peace University, I’ve heard a bevy of financial excuses as well.  Here are some highlights I’ve heard:

  • I’m glad it works for you, but I just don’t understand money very well.
  • I could never live without my credit cards.
  • The holidays are approaching.  We’ll get serious after Christmas/Birthdays/Arbor Day.
  • I don’t have a regular income, so your plan won’t work for me.
  • I have a big trip/medical issue/wedding/made-up-reason coming up and it’s just not convenient for me now.

Have you seen a pattern yet?  Guess what my answer will be.

Take responsibility for your actions.

Stop making excuses about why now is not a “convenient” time for you to begin a financial plan that will literally change your life and the lives of those that you love.  I am not blowing smoke here.  I am dead serious.  This. Will. Change. Your. Life.

How do I know?

Because I did it.

Know what the difference between starting now and starting a month from now is?  Another month without a plan.  Another month of drifting aimlessly, spending more than you make (either by omission or simply due to the lack of a plan), more interest to your creditors, more stress, more fights with your spouse/significant other.  It’s another month of wondering how you’ll meet all your obligations.

Do you want to face that again?  How are you not sick and tired of feeling that way?

Let me explain something.  I’m not facing those things and I’m sick and tired of it just from writing it all down!  I used to feel that way.  I had those experiences and I don’t miss them in the least.

Take the opportunity to stop making excuses.  Take responsibility.  Take a step toward gaining control of your finances.

It’s time to turn the corner.  It’s time for a plan.  It’s time to navigate from where you are to where you want to be.  With the right guidance, you can create a plan that works for you and your situation.  We can work together to create a plan with intentionality and purpose that will give you the upper hand for which you have longed.

[Tweet “Blameshifting is over. It is a thing of the past. You are better than that.“]

…and I’m here to help.

Coming soon, I will be partnering with Sean Eddy from in a new podcast project in which we focus specifically on First Responders and their money.  We aren’t investment gurus, but we know a thing or two about getting out of debt and creating a budget that will make you feel like you get paid more than you do and give you a new-found sense of freedom and control!

In conjunction, you can also be on the lookout for a new eBook from me dealing specifically with the issue of budgeting for First Responders.  Here are some of the things you can look forward to:

  • Learn how the Wife and I got a $500/month raise with little effort
  • Learn how to take applicable steps to seriously reducing your debt
  • I will walk you through creating your own specific budget one line item at a time
  • I will teach you to identify the difference between a “Need” and a “Want”
  • By the end, you will know how to create a realistic budget based on your income

I’m excited about the impact the podcast and eBook will have on the lives of my fellow First Responders!  (By the way, the principles apply regardless of your vocation…I just have a special place in my heart for those of us that put our literal necks on the line day in and day out.)

Stay tuned for more information coming soon!  In the meantime…

Question: Do you avoid budgeting? If so, why? What prevents you from doing a budget? You can leave a comment by clicking here.

Coming Soon! Subscribers will receive a FREE copy of MC's upcoming eBook including never-before-published posts!

Feature Image courtesy of Flickr and brett jordan


Please note: I reserve the right to delete comments that are offensive or off-topic. Snark is encouraged. Being a prat is not.

One thought on “Blameshifting: The American Pastime.

  1. MC, you’re absolutely right. You have to suck it up and accept responsibility for your financial life that is rapidly circling the drain. All my life I was one of the blameshifters until I hit the wall. Bankruptcy, embarrassment, etc. That was many years ago, and it was a hell of a lesson. I learned how to live without credit cards, not buy anything unless I couldn’t pay for it on the spot, and above all — I started keeping a monthly list of my bills — the important ones that had to be paid before everything else, be it food, gas, or haha lottery.

    And guess what. Things got better. Fast. Yes, OK, you could say that bankruptcy wiping out all those old debts was more than helpful, but I still regret stooping to that and having to carry that knowledge in the back of my head while worrying that my family will find out about it.

    No, I’m not related to MC and no, he’s not making me write this. I’m being totally honest. It has brought me to a much better place in life. I am comfortable, I don’t get collection calls, I have nice things, and believe it or not, once you start being more careful about your cash, you tend to spend less on unimportant things like Taco Bell or gas station hotdogs. And living without credit cards at first was scary, but over time it was no big deal and it was one less evil sitting on my financial shoulder.

    Keep up the good work, MC. Love the e-mails.

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