Hi all, I (23m) admittedly have had bad spending habits through college and post-grad, but I am really trying to hone in on this and make better habits moving forward.

With that said, I find it incredibly hard to save money and build up any sort of cushion due to my monthly payments. Between rent, student loan payments, and credit card payments, that takes up about 65% of my monthly net income.

I need advice on where to start. I can’t really go to my family for help since they only make me feel like I am a failure and lecture me about what I did wrong. I know what I did wrong. I foolishly tried living above my means and I deeply regret it, but I want help, not a lecture. I need guidance other than general online help blogs. I’m just hoping some kind people here can help me navigate this situation. I’m very hard working, I unfortunately just am breaking the having of being an even harder spender.

Thanks for taking the time to read and offer advice. I feel a lot of shame for my fin