I have always had a small problem with money—in that I always had something to spend it on. In college it was paying tuition, as soon as I got a paycheck, I turned around and paid off part of my semester bill. This worked well until I graduated from graduate school, got a job and had to move. There I quickly spiraled into debt, even though I had a budget set up. Moving home after the job was loss, helped me get the debt down, but not totally eliminated.