Let me explain: I love feeling good, no matter the cost.
(I am going to be 29 years old in less than a month. I work an "okay job") I live on my own and have "cheated" the system (atleast in my eyes) for money by going to a bank account that only charges interest if you go into negative numbers as long as you don't go more than a $1000 for 3 months in a row, the problem: I need to start saving darn it, my "backup plan" is there isn't one!!. Anyways...here are a few examples:

I love alcohol - even "IF" i know I don't have the money to finance it I will buy a case of beer - even though I know payday is 2 weeks away and I only have $100 in checking and I know full well it will put me into debt I still do it.

I love fast food so I will spend for ONE MEAL $30 just because I have to have it!!

I will spend $60 on phonesex!

I will spend $200 on groceries and never use them

I can only imagine what would happen if an actual emergency happened for money (afraid to think about)

Long story short: I will spend money at impulsive times for what I am feeling at that one point in time; only to regret it later - knowing i should be saving. I would say out of 30 days of the month....I'm in debt on average atleast 20 out of the 30 (I mean I can go in debt $300 for 2 weeks and only pay $.60 - tempting right?).

I know I should stop spending money and start saving (I did finances I am on average $4-500 free per month if I am "good" - the problem: I think to myself "that $400 should be able to go towards x because hey I "want" it - screw logic, only to spend it....and regret it when I look at my checking account the next day)

I have tried a few things to remedy the situation: mostly - "trying" to leave the debit card at home - thinking if I put it in the safe the night before I won't spend it stupidly....the next morning I unlock the safe and take it to work with me to spend it on vending machines - even though I packed a lunch.

I know this can't go on forever, and I know I need help - can anybody point me in the right direction!! Its as if I have two people in my head - the "want to be adult" and the "child" and am at war with myself.