I'm not a money expert, or a financial planner. These are just some things I think about and try to live by.
I have heard all of these...and I've said them all, too.
But an excuse is not a plan.
How does your spending affect your bottom line? Do you have a bottom line? Do you know where it is?
If you have spent too much on the things you DON'T need, and find that you don't have the resources to pay for what you DO need, you have robbed Peter to pay Paul. Sometimes you are both Peter AND Paul.
Make a budget. A budget is a plan, a map, a blueprint.