Your life could use a little bit more structure to it: flying by the seat of your pants might be exciting, but it usually causes quite a bit of chaos with your friends and wastes quite a bit of everyone's time. So take some time to get things more organized today. A smart thing would be to review your budget: and if you don't have a budget, then today you need to make one. Your spending isn't too bad, but it could be a lot better. Build up that rainy day fund.