I haven't written a blog post for a while because, quite frankly, I haven't had the time or the inclination. I've been quietly contemplating the financial ruin of the entire civilised world and wondering where it all went wrong and why I racked up quite so much credit card debt.

The common concensus seems to be that we should blame all those greedy pin striped city fat cats for the turmoil we now find ourselves in. Or is it the Government and the Bank of England for not playing a more leading role in making sure that neither we nor the financial institutions borrow more than we can afford?

For many years it's been possible to live on "plastic" without ever paying interest and the easy credit has been very, very tempting. Now it's crunch time and we're all looking for someone to blame.

Personally I blame myself. I have a bigger TV than had ever been thought of just a few short years ago, two stereos neither of which I listen to, umpteen perfectly servicable mobile phones lying in various draws and the list goes on. I'm a gadget freak. I'm an internet shopping freak. I like clothes, cars and overpriced coffee from Starbucks. I'm in a bad way and it's all my own fault.

Or is it?

Marketers are the easiest people to market to. I'm a sucker for some good packaging or a subtle lifestyle ad.' You can sell me anything if you stick it in a cool box. If it's got an Apple logo on it it's as good as mine. It doesn't matter that I can't afford it, I need it in my life. I'm a marketer but I'm also a marketers dream. I love all this 'stuff.' I loved the process of buying it even more than I enjoy acually owning it and now, like many others, I'm suffering from a bit of a financial hangover. It's the ad' men we should blame and because I am one I'm still blaming myself.

The question is, when we get the money train back on it's tracks will we learn our lesson? Will I pay off my 'Mint' card and be a more sensible, thrifty person in the future? The answer is yes I will.

Until Apple bring out a MacBook Air with a DVD drive...