I cringe and change channels when I hear financial advice from self proclaimed experts blaming banks, governments, etc for the financial situations that many people have chosen into.

What am I doing to be responsible for my finances and have impact?

I chose to write a personal finance application that is freely available to anyone who “chooses” to use it. It’s not glamorous, but the effort it takes to enter and track finances does create awareness, http://sourceforge.net/projects/jgnash/. AND, I’m proud of it and the impact it is having on others lives!

– still making sawdust with a goofy grin on my face