Nobody But You by Bro. Malloy Cabahug

Hmmm...for those who knew the song might have already been singing the tune. I can even sense someone is dancing while singing the tune. What comes to your mind upon reading the title might be the famous danceable song by a Korean girl group, wonder girls.

I may have been singing and dancing with this song the last couple of days with my daughters and in front of my wife. However, a deeper meaning of the phrase kept bugging me for the past week.

I have been consistent with my articles on personal finance every week for quite sometime now. It have been a fixture in the daily newsletter of our church, Word International Ministries - Al Ain (WIN-Al Ain). Some online friends had even featured some of my articles in their weblogs. And a number of personal messages I have been receiving are very encouraging to continue on to come up with more articles about personal finance.

My articles, as well as those of the famous authors and bloggers out there are very encouraging. There are even a lot of books and other multi media materials available out there that will fix your financial woes--that will, as they say, reveal the secrets to become rich and being debt free. But, mind you, these are all inutile if these are only read and not taken to heart.

Taking to heart all these materials available means that you should realize that an overhaul of oneself is necessary to make these materials effective.

This piece you are reading right now is especially addressed to those who are deeply in debt. You may have been seeking for somebody whom you could ask for help, in terms of advice or financial help. There are so many people who are willing to help, but their efforts to help will only aggravate your situation if you will not address the real problem, YOU; and not the lack of money.

I may sound so mean here. But, let me pose these questions:

• who caused you to be deeply in debt?
  
• who used that plastic money called credit card?
  
• who decided to buy a luxury car instead of an ordinary one that could still serve the same purpose?
  
• who bought those unecessary and expensive stuffs that is way beyond one's income?
  
• who went to some place as tourist using credit cards as the means of paying that luxurious vacation and having nothing in your account to payoff the bills after 45 days?

Those list could go on and on and the resounding answer is one and the same. And you answered it correctly. YOU.

The real source of the problem is your attitude towards money and the way you spend it. Hence, there will be no amount of advice, tips and techniques on how to free from debt to take effect without first dealing your attitude.

If you are in debt right now and badly needs help, be it counseling or financing, or a combination of both, please humble yourself and accept the fact that the real problem is not your debts. Not your neighbor. Not your brethren.

Then who? Nobody, but YOU.