You are absolutely responsible for the outcome of your life. You wake up 5am everyday, 6days of the week and you work 9 hours a day, salary is pretty attractive. Truth is if you don't take responsibility to discipline yourself in terms of spending you would end a slave to the above circle. Most people waste money getting what they don't need trying to impress people that don't matter. Dear friend stop living above your income and stop living each day to work an survive! Live each day to make impact! Where u are today is as a result of decisions u made yesterday and where you'll be tomorrow is determined by the decision you make today. Take responsibility and plan to impact and not just to live and impress .