Yeah. I'm guilty of pretty much all those things. Thing is, I used to be really good at managing my money. Then I went off to grad school in an expensive city and suddenly my debt went haywire. I like to say that I had a grad baby since a degree and a baby pretty much cost the same these days. Fortunately for me, I have a dad who tells me he loves me by giving me big chunks of cash, so I'm climbing out of debt at a reasonable rate. $46,000 to go....