Adults take responsibility for their lives. They pay their bills and do the things they say they're going to do.
To anyone who whinges "ooh, what if I forget to pay my bills. It would be so sad. But I shouldn't be held responsible."
Please.
Maybe that flies with mommy and daddy, but to anyone else it comes across as immaturity.
To those folks I say, "Grow up and pay your bills. What? Are you 12?"
If you can't or won't, that's your fault.
Is that a good enough explanation for you?
