<prompt> Human: Id like to start out by saying, this is a damn cool subreddit.I have been living ridiculously and I will explain that in depth the past year and a half, and would like to start living to my actual potential.Let me start by providing some background info: Graduated 1.5 years ago with Bachelors in Accounting Got my first job as an Accountant IMMEDIATELY out of school, compensated at 48k pre-tax, and I have been working for 1.5 years. Around 30k in untouched Student loans Will have Masters Degree in Accounting in exactly one years time, student loans will be closer to 40k and they will begin to ask me for repayment. Live at home, with an entire floor to myself no rent, I am one of the lucky ones My Monthly expenses are 500 dollars Car payment, Insurance, Cell phone Here is the storyproblem:So around the time when I got my job, I got into a very serious relationship. The type that usually results in marriage. I have never made anywhere close to the amount I make now even though it is not that much, but I consider it quite the amount for a person directly out of college living at home. I started spending every single dollar and even more that I made, and I cannot stop. I received 2 credit cards, and although I never miss a payment and always have a very low balance, I started spending my paychecks carelessly and charging even more on the credit card.I am not going to lie, being this the first time I actually made some money, and the first time I received a credit card in my life, I wanted to have fun.I developed some horrible habits. It seems all of my money goes to restaurants, clothes, and things for her. I like to think of myself as an intelligent person who is goal oriented. I would like to have my own business, own my own home and live comfortably.To give you guys more of an idea how bad this is, and how horrible I am at managing my money, I think I spent close to 3,000 on Christmas gifts this year.I literally have lost any perception to the value of money. 3 Dollars a day on coffee, random things, buy lunch, buy dinner, go out with the lady on the weekends, and barely 0 out my Balance and pay my monthly expenses when all is said and done.How do i get onto the path of managing my money. I have no savings, no emergency fund, all I have is a nice car and a fun life. It seems carefree in the moments, but when I actually think to the future it seems...ridiculous. I havent even thought of my student loans and I know that it will be a huge obstacle once I receive my Masters. At the rate I am going, It will be impossible.EDIT: Thanks to all for the great advice. To the few who asked what the hell I was doing, I would not have come here seeking some guidance If I thought I was doing things correctly. I also admitted that I noticed the issue at hand, and I havent frequented the subreddit this is my first post here.  <response>: I want to echo the idea of sitting down with your girlfriend and having a serious discussion about money. If she cant be supportive of you living within your means she is not the kind of person you want to date, much less marry. rpersonalfinance often crosses into rrelationship_advice because for many of us, the two are inextricably linked. I would argue that you cant have a healthy relationship with a person who is unwilling or unable to have a healthy relationship with your money. 