Reckless spending is getting you into trouble. It's time to stop going to expensive restaurants. Lavish outings and luxurious vacations are also out of the question. Your friends will wonder why you're no longer willing to accompany them. Be honest about your situation. Someone who is adept at money management can help you create a sensible budget. They might also be able to help you find a job that allows you to pay your bills and start a savings account.