At Ardent Mortgages, we prefer hurtful truths to comforting lies. And the truth is a lot of Canadians have a victim mentality when it comes to their financial situation.

Personal responsibility feels like it’s at an all time low right now and people are looking for someone to blame, but playing the blame game isn’t going to make things any better for you.

Victim Mentality

Ultimately, the ownership for your life comes down to you and how you react to what is happening. You may not be able to control the details of everything that could possibly impact your life, but you can control how you react to them.

The government may increase the interest rates in the near future and make your adjustable rate mortgage payment untenable. If that’s the case, you can complain about the fact that the government has actively reduced your ability to pay for your mortgage and how unfair it is. But responsibility for your life and your family’s life comes down to you.

What are you going to do about the new reality of the situation?

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Are you going to be the victim and give up your power to change things for the better or are you going to be the victor? The kind of person who takes ownership over their life and chooses to be proactive, to make improvements, to be a winner. Your mindset is a choice, a choice that you have to make constantly.

The Tale of Two Wolves

A grandfather is talking with his grandson and he says there are two wolves inside of us which are always at battle. 

One is a good wolf which represents things like kindness, bravery, and love. The other is a bad wolf, which represents things like greed, hatred, and fear.

The grandson stops and thinks about it for a second then he looks up at his grandfather and says, “Grandfather, which one wins?”

The grandfather quietly replies, “The one you feed.”

So the question is “Which one are you going to feed?”