A lesson I have learned on my own is CASH ONLY. I am not, repeat - NOT, a good person with money. I cannot have checks. I will bounce them and overdraw my account. I used to write them a day or two before I got paid thinking it would be ok. It was not. I absolutely cannot have credit cards. I used to max them out and think I would be able to pay them. Something would come up and I would not have the money. Biggest lesson learned; if I do not have the cash to pay for it, it can wait. I do not need it bad enough to put myself in debt again. This has made me make better decisions and prioritize the things I thought I wanted and what I need.