I know exactly how you feel. Sometimes it just happens. At least you are responsible enough to know that you did it. My first semester of college, my bank account ended up overdrawn $400 because I was so irresponsible that I didn't balance my checkbook. Yeah I know, but I am much better now. I'm 23 and had over $8000 in credit card debt 2 years ago, and now I only have my student loans (still in college) and car payment (have to have a way to get to college). It will all work itself out. And until then, Ramen noodles and mac and cheese are very filling
