To the roommate who can't seem to keep from getting in to financial obligations which are above his means. You love to skate so much and yet you just HAD to get that thing. It's your business what you do with your money, that said, since that time I've started noticing a pattern of recklessness and deceit. This behaviour is costing you friendships, dude. I'm worried as hell - not about the money, but about the psychology of a guy who in his mid twenties never accepts responsibility for his mistakes and is still calling his parents mummy and daddy, especially when you're taking that much shit from them on the phone. You're not stupid. You're actually really perceptive, and always live in the moment. It's too bad you don't even think you're smart enough to read a calendar or ride the fucking bus. It's time to move forward and take steps to expand your boundaries. Everyone's got challenges they must face in life, but you need to finally take control and be a man, for eff's sake.