I have made mistakes, but not ones that were not recoverable.
Some things that have helped…
1 – I have a savings account that is really hard to access (internet only, no card, I have to request a transfer or check be sent to access the money) that auto-deducts from my daily use account. Prevents impulsivity from emptying the account.
2 – Mint or another financial program that allows you to sync all of your financial transactions and review your spending habits in a nice hard to argue chart.
3 – Accountability to someone else. There is a sense of shame, but a quarterly check-in to someone else forces you to address issues before the issues address you.
The longest journey starts with one step.
Take a step.