I have had a good job for the last 15 years and I am still a broke heifer... from a lifelong tendency to make decisions such as yours. I can be behind on just about everything and spend my money on something completely frivolous, kicking myself in the ass for being so stupid all the way. I do this regardless of where I am at on the endless cycles of my substance abuses. I don't know why I am like this, but everyone tells me that one day I will get tired enough of living this way to start behaving in a responsible financial manner. I am 47, when is this going to happen? I hope that your regret teaches you better than mine did me. It is embarrassing to be my age and have to scrape up loose coins from various places around the house and car to put like $7.68 worth of gas in the car to make it to work