The bulk of consumers who experience financial woes say it was their own fault, according to a new poll by the National Foundation for Credit Counseling.

Sixty-three percent of those polled said their financial problems were self-inflicted rather than the result of events beyond their control.

"The poll results are encouraging, as the first step to correcting a problem is recognizing it," said Gail Cunningham, spokesperson for the NFCC.  "Taking ownership of financial problems empowers consumers, putting them in the driver's seat to affect change."

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