You are a dumbass.

If you are here, it's because you don't have enough common sense to know what and where to be frugal with your income. That's ok, not everyone has common sense and needs to be told in plain terms what they should be doing. The important thing is that you are here.

So just accept that you are a dumbass and need someone to tell you what most people already innately know. Acceptance of your problem is half the battle of winning over it.