I have this problem too. I always say to myself "oh I'm just a poor college student" until I remember that my savings account, which I have had since I was a little kid and had more than $1,000 in it when I got to college... I drained it in about a month. Thinking about that makes my stomach drop. Right now I am in college and I am lucky that my parents would not ever let something drastic happen to me (like getting evicted or starving) although of course they would be angry at me. But I graduate soon and these behaviors have not gotten any better, and I will have no way of protecting myself from... myself. I have zero impulse control, whether I'm depressed or manic, and I don't know how to fix it.