In my 20s I managed to rack up over $10,000 in credit card debt -- on a salary that was below 35K. I had to move back home with my parents because I couldn't manage my **** anymore, and had to borrow money from them for rent. I was incredibly, incredibly lucky to have there support, but I totally know how you feel.

A year and a half ago I finally finished paying off that debt and slowly started saving once my boyfriend and I started to seriously discuss moving in together (I was still living with my parents). I am definitely guilty of reckless spending and poor money management, but actually managed to save about $2,000 from June 2013-May 2014 (which I know sounds pathetic, but like I said, reckless spending...). I was a bridesmaid in a wedding in May, spent money there, and then for some reason just couldn't stop dipping into my savings over the summer. And then I was a bridesmaid in another wedding in September.

A couple weeks after that wedding, my boyfriend gets notice that he has to leave his apartment in October b/c they're moving a nurse in for the landlord (he had no lease). So, it was time for us to move in together, and I had about 200 bucks in my savings. I had to scramble to save up enough to split first and last month's rent, and the realtor's fee. My boyfriend was not amused.

So, I'm sorry that was a long story, but I totally know how you feel. I'm trying to figure out right now how to turn the urge to spend into the urge to save. It's very, very hard.