Accountability is the Key to Freedom
It cost me dearly to learn this very valuable lesson: Accountability is the key to freedom. This is a principle you must accept on faith. It is true, believe me. The absence of accountability in my life led to unbearable financial bondage. I became hopelessly buried by a mountain of killer debt. I couldn’t be bothered with saving for the future. If it felt good, I did it, and spending money felt darned good. I became addicted to always spending more than we made. I had no idea where all the money went and it was a rare occasion indeed that I would even record the checks I wrote. But no one told me what to do! No sirree. No one, that is, except the bill collectors, the IRS, the mortgage holder, the county tax collector, and the utility companies.
— Mary Hunt, The Cheapskate Monthly Money Makeover




