The main reason I'm sharing this topic is to get your own opinions and advice so that I can do better. I believe it's because of poor financial management that I've fallen to this level. I've been doing things that I now realize were not the right things to do because I don't have any financial stability. Last week, I felt ashamed when people see how frustrated i am because I had bitten off more than I could chew. I'm open to opinions and helpful insights to start again, but this time in a more stable and responsible manner.
Changing our circle of friends can sometimes change our mindset. If we are friends with people who care about finances, how to budget and are also starting to invest, we will usually join in this, now it may seem too late for you because you are facing financial issues, but everything needs to be prepared, including preparing yourself when your finances start to stabilize so that you can maturely respond to how to use that money, and start thinking about investing and spending only on important things unless your finances can afford to buy luxury items.
Get into the habit of only spending the money you actually have, meaning never go into debt or use a credit card because you think you can pay it off in installments because if you get used to it then you will usually get caught up and experience financial difficulties again.