I recently moved into my first ever, pay-your-own-bills, MY apartment. It's a tiny little place that's old and apparently terribly energy inefficient. I got my first electric bill and it was OUTRAGEOUS, like the price of 2 Imperial Raiders I was going to preorder on MM. And I realized...
I might not be able to get the Imperial Raider EVER. At least not for a while... Is this adulting? I don't like it.
Is this life advice time? It feels like life advice time!
First: you are never going to marry the most awesome woman in the world, because I already did.
Turn the lights off in rooms you're not in. And the heat doesn't need to be higher than ~65. And Air Conditioning costs even more than heating does. Also: your drier is freaking expensive to run. Holy chao is it expensive! If you have a desktop PC, turn that off also, when you're not using it.
Debt: debt is how people own your soul. Debt is ok, if you can actually cover all your debt with cash on hand, but as a rule, debt is a monster that will perpetuate itself.
Don't kid yourself about how effective Torpedos are. They offer a terrible ROI.
Last: She may say "oh honey don't worry about it, I'm already on birth control"... never, EVER, take their word for it!