Most Helpful Girl
A lot of people go through these things. What you need to do is see them for what they are, just bumps in the road and obstacles to overcome, and when you come out the other side you will a better person for it. You are not a loser, she crushed your spirit, that doesn't mean there is a thing wrong with you. Sometimes people are just cruel. You can see things are bad, so start fixing them. Work towards a person who you are proud to be. Fuck her and what her friends think. Do it for You, and in the back of your mind use her as a motivation to get clean, get out of your parents house, work hard, pay off your debt and get back on track so when your life straightens out again you can give her house the finger with pride as you drive by. But never give up. Don't give her the satisfaction. When things get better, and when you start to feel better you will find love again, and when that time comes you can be proud to present that woman with the man you want to be.
Most Helpful Guy
You’re still young, dude. You have time to fix things. Definitely get your credit & money situation fixed. Also, moving out & knowing you absolutely have to have rent/utilities every month is a big motivator. Your parents could be a crutch to you & doing more harm than good. Don’t even get a roommate when you move out. Better on your own.
Start making long term goals & short term goals and going for them.
And yes, the older you get the more important having money becomes. Love it or hate it... it’s how the world works.