The beginning of a new me....

Ok so right now I'm 25. About $50,000 in debt and have a credit score if 426. I make about $25000 a yr. I'm trying to build a life with my boyfriend of 10 yrs. do I have savings??? Of coarse not! I mean all those years I spent working through college, of coarse the money was spent on clothes liquor and food. I mean everything was paid for in my life, why should I if saved anything??....says the girl who makes $800 twice a month(net) and never seems to have any money and can't pay her debts...and has a grand scheme to buy a home in the future. This shit has got to stop. Fuck it...I'm buying Quiken.