<prompt> Human: I incurred way too much debt in my 20s. I managed to hit many of the common categories despite my current status of being older than the hills: Music Bars Eating out Convenience foodHere are three things I wish that I had done.1. If you drink alcohol, for once each year go 30 days and just dont. Saves you money. Helps you reset. I do this in middle age and wish Id learned it sooner.2. NEVER, EVER put anything from the top categories above Music, Bars, Eating Out, Convenience Food on a credit card. Thats what I did in my 20s. I am not alone but I am sure that I had some of the most expensive Beer and Burger and Fries with compounded interest in human history.3. How to do this? Take Step 1 and combine it with Step 2. Take a month off drinking, eating out, grabbing convenience food. Cook for yourself. Save your money. Take the money you saved for that month in cash and now thats your Social Money for the next month. Rinse and repeat, and you will always be one month ahead on your bar tab, and will always be the one who can pay with cash. Edit for clarity: you will be saving every month for the next months social money from that point out. Basically, budgeting and avoiding credit cards entirely for some very easy to abuse categories.Bonus: If you take just the finance charges I paid in my 20s and 30s as a result of putting all my social spending on credit cards among other expenses, and instead invested it. I would have had 125,000 at age 40, instead of having residual credit card debt to pay down.  <response>: Spend less, save more. Brilliant. You dont provide any specific justification for your austerity month 