<prompt> Human: I am currently 20 years old and in a bit of a financial problem. I am over 1500 in credit debt just from spending money randomly. I am getting my act together, but I have not told anybody and it is a giant weight on my shoulders. I would love to hear personal experiences of what I am going through; being stupid, spending money, and amassing debt. It would be comforting to hear stories of others and inspiring to hear how they overcame it. I would really appreciate it.  <response>: Theres a million stories out there. They all ultimately come down to one simple but difficult thing. Self Control. Its all about deciding to be deliberate with how you spend your money and pay your debts. Theres no magic bullet that doesnt start with that. Make a budget that has total spending including debt payments being less than your total income. Then stick to it. No reaching for the credit card if your friends invite you out, but you are already at your limit for the month. You just have to say sorry guys, Im busy. Then stay home and watch a movie for basically free. 