this listtwinsises   my dad would tell me as a kid that when it costs me ill learn it wasnt really in reference to this area of life i had to pay for bad grades - eyeroll but these things above definitely have cost me it took some time but i definitely have learned a lesson though all of my bills are auto-pay i do not sign up for things unless i absolutely have to and i do not buy perishables unless its for a big meal and people are coming over