If all this advice fails, fuck it. Go broke. People give you credit for a reason (normally to buy big-ticket items you can't afford), but maybe that Junya Watanabe cardigan or those En Noir leather sweats are the perfect justification to build up the never-ending pile of debt. Hopefully, the clothes you purchase will attract a new girlfriend (who buys you everything), or the employer that will pay you the big bucks.